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Minimum Stay |
5 days |
5 days |
Maximum Stay |
364 days |
364 days |
Eligibility by Age |
0-64 years |
0-64 years |
Medical Expense (Accident and Sickness) * |
$500,000, $1,000,000, or $2,000,000 |
$500,000, $1,000,000, or $2,000,00 |
Deductible |
$0, $250, $500, $1,000, and $2,500 |
$0, $250, $500, $1,000, and $2,500 |
Emergency Room Co-pay |
$250 (Waived if admitted to hospital) |
In addition to deductible, $250 co-payment for each use of an emergency room for an illness unless admitted to hospital. No co-payment for an injury. |
Urgent Care Co-pay |
$25 co-pay within the U.S. |
No co-pay outside the U.S. |
Coinsurance (Claims Incurred in the U.S.) In-Network Payment |
100% after deductible, up to the overall maximum |
100% after deductible, up to the overall maximum |
Coinsurance (Claims Incurred in the U.S.) Out-of-Network Payment |
Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount. |
Emergency Medical Evacuation |
$1,000,000 |
$1,000,000 |
Acute Onset of Pre-existing Condition** (Excludes chronic and congenital conditions) |
Age 60-64: $20,000 Under age 60: $200,000 |
Age 60-64: $20,000 Under age 60: $200,000 |
Accidental Death and Dismemberment✝ |
$50,000 |
$50,000 |
Emergency Reunion |
$100,000 |
$100,000 |
Repatriation of Remains |
$50,000 |
$50,000 |
Trip Interruption |
$10,000 |
$10,000 |
Terrorism |
$50,000 |
$50,000 |
Political Evacuation |
$100,000 |
$50,000 |
Checked Baggage Loss |
$500 |
$1,000 |
Stolen Passport/Visa |
$100 |
$100 |
Emergency Dental Pain |
$1,000/$100 for pain relief |
$2,000/$200 for pain relief |
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World Wide Assistance Services |
INCLUDED |
INCLUDED |
Covid-19 Coverage |
INCLUDED The Medical Expense benefit includes coverage for eligible Covid-19-related medical expenses. Testing for Covid-19 will be covered if deemed medically necessary by a physician. |
INCLUDED The Medical Expense benefit includes coverage for eligible Covid-19-related medical expenses. Testing for Covid-19 will be covered if deemed medically necessary by a physician. |
Recreational Sports |
INCLUDED |
INCLUDED |
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Enhanced Accidental Death & Dismemberment |
Available |
Available |
Intercollegiate/Interscholastic Sports |
Available |
Available |
Hazardous Activities |
Available |
Available |
Crisis Response |
Available |
Available |
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Additional Accidental Death and Dismemberment: For $0.60 per day, you can add an additional $100,000 to your benefit.
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Intercollegiate/Interscholastic Sports: An Intercollegiate/Interscholastic Sports Rider is available for those participating in intercollegiate or interscholastic sports during their visit for an additional $1.25 per person per day.
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Hazardous Activities: For those planning to participate in hazardous activities, an additional rider is available for purchase for an additional 20% of your premium. Only medical expenses related to hazardous activities are covered under this benefit. Click here for the full list of hazardous activities.
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Crisis Response: Provides coverage for kidnap, ransom, natural disaster evacuation and expenses associated with crisis response. Offered at an additional $1.40 per person, per day.
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* Benefit limits may apply to certain conditions. See the Description of Coverage (Inbound) or (Outbound) for details.
✝ AD&D Benefits are based on age, and are as follows: Under 18: $5,000; 18-64: $50,000.
**A Pre-existing Condition is any condition for which medical advice, diagnosis, care, or treatment was recommended or received within 18 months (6 months for individuals whose travel does not include the U.S.: Outbound plan) prior to your effective date of coverage which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 18 months (6 months for Outbound plans) prior to your effective date of coverage that existed (with reasonable medical certainty) with 18 months (6 months for Outbound plans) prior to your effective date of coverage, whether or not it was known to you.
An Acute Onset of Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions are excluded from coverage.