Travel Medical Insurance Plan for international traveler travelling outside the home country .
Travel Medical Basic - USA(A.M. Best Rating: A) is a comprehensive travel medical insurance plan that provides dependable medical coverage for visitors traveling to the United States. It combines comprehensive medical benefits, emergency travel assistance, and access to the UnitedHealthcare PPO network, making it an excellent choice for travelers seeking quality protection at a lower premium than higher-tier plans. Coverage is available from 5 days to 364 days.
While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the selected policy maximum. Outside of the PPO network, the plan will pay 80% of the first $10,000 in eligible medical expenses, then 100% thereafter, up to the selected policy maximum.
Travel Medical Basic - USA does not cover pre-existing conditions. Travel Medical Basic - USA includes acute onset coverage of pre-existing conditions after a 7-day waiting period: up to $75,000 ($50,000 for cardiac/stroke) for ages 14 days–69, up to $7,500 ($5,000 for cardiac/stroke) for ages 70–79.
Review the Travel Medical Basic - USA policy documents for complete coverage details, exclusions, and limitations.
After the deductible, plan pays 100% of eligible medical expenses up to the policy maximum within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $10,000, then 100% thereafter
Acute Onset of Pre-Existing Condition Coverage
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Up to $25,000 for those up to 69. For ages 70-79, up to $2,500
Emergency Medical Evacuation
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Up to $250,000
Urgent Care Visits
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The copay is $30. The plan pays URC up to the policy maximum. Subject to Deductible
Emergency Room Services
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$100 co-pay; URC up to medical maximum. Subject to Deductible
Emergency Dental Coverage
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Up to $250. Subject to Deductible
Prescriptions/Medication
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URC up to medical maximum
Trip Interruption
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Up to $2,500
Incidental Trip to Home Country
COVID-19 Coverage: Included
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Treatment for COVID-19 is covered if contracted after the policy effective date. Testing for Covid-19 is covered only if ordered by a physician. Vaccination/Boosters are not covered.
Pre-Existing Conditions: No Coverage
Emergency Eye Exam Coverage: No Coverage
For international travelers traveling outside their home country to the USA
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 364 days
Extendable for up to 364 days
Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
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If your school/university does not have specific health insurance requirements to meet, this plan can offer short-term health insurance coverage.
Plan can be purchased after arrival at the destination
Not Available for the following Destination Countries: Bahrain (BHR), Burkina Faso (BFA), Central African Republic (CAF), Congo, The Democratic Republic of (COD), Cyprus (CYP), Jordan (JOR), Kuwait (KWT), Oman (OMN), Pakistan (PAK), Qatar (QAT), Saudi Arabia (SAU), Somalia (SOM) & United Arab Emirates (ARE).
Not available if Home Country/Country of Residences are: Australia (AUS), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR), United States (USA) & Virgin Islands (USA) (VIR).