Age Eligibility

Available to non-US citizens from ages 0–89 who live outside the U.S. and are traveling outside their home country. Age-based limits apply.

Who can buy

Available to anyone residing outside the U.S. and under the age of 89. This is short-term travel medical coverage.

Trip length

Coverage is available from 5 days to 364 days. Benefits for covered illness/injury can continue up to 180 days.

Policy maximum options

$25,000, $50,000, or $100,000 per policy period (varies by age).

Deductible

$0 for most travelers under age 70. Small deductible options available for older travelers.

Co-insurance

No co-insurance. Once deductible is met, eligible expenses are paid as per the benefit schedule.

Hospitalization

Covers room and board, ICU, and nursing services up to daily and overall limits.

Surgery

Scheduled benefits for surgeon, assistant surgeon, anesthesia, and facility charges.

Doctor and specialist visits

Fixed amount per visit for new covered sickness or injury.

Urgent care / walk-in clinic

Visit limits apply depending on age and policy.

Emergency room

Covers ER treatment for serious illness or injury. Extra deductible may apply for non-admission cases.

Tests and diagnostics

Helps pay for X-rays, labs, CT, MRI, or PET scans up to plan limits.

Prescription medicines

Limited coverage toward prescription drugs per illness/injury.

Local ambulance

Ground ambulance to nearest suitable medical facility, up to plan limits.

Acute onset of pre-existing conditions

Limited coverage for sudden flare-ups of stable pre-existing conditions. Not available after age 70.

COVID-19

Covered like any other illness up to your medical policy maximum.

Well doctor visit

One wellness visit per policy period, covered up to $250 (conditions apply).

Physical therapy

Short-term physical therapy when prescribed by a physician.

Dental injury

Limited coverage for emergency dental treatment from accidental injury.

Orthopedic equipment

Coverage toward equipment like wheelchair or prosthetics after a covered injury.

Emergency medical evacuation

Up to $100,000 for medically necessary evacuation to nearest suitable facility.

Medically necessary repatriation

Up to $25,000 for transportation home for continued treatment.

Emergency reunion

Covers a family member’s travel to join you if hospitalized after evacuation.

Return of minor children / traveling companion

Pays to send minor children or companion home if you cannot travel.

Repatriation of mortal remains / local burial

Covers returning remains home or for local burial/cremation.

Accidental death & dismemberment (common carrier)

Lump-sum benefit up to $25,000 per person for covered accidental death or serious injury as a fare-paying passenger.

Incidental trips outside the U.S.

You remain covered for short incidental trips outside the U.S.

Home country coverage

Limited coverage for incidental visits to your home country after 30 days of continuous insurance.

24/7 travel assistance

Help locating doctors, hospitals, coordinating emergencies, and general support.

Non-insurance support services

Medical monitoring, referrals, and admission guarantees through assistance providers.