Parents visiting USA Plan Details
Insurance Provider
WorldTrips
Plan Underwriter
Lloyd’s of London
Plan Rating
A.M. Best Rating: A
Plan Category
Travel Medical Insurance
Plan Eligibility
Should you make a change to the location of your home country during the certificate period, you are no longer eligible for coverage in the new home country except as provided under home country coverage as of the date you establish the new home country.
Individuals age 65 to 79 as of the certificate effective date are subject to a $100,000 overall maximum limit or less. Individuals age 80 and over as of the certificate effective date are subject to a $10,000 overall maximum limit.
Policy Maximum, Deductibles & Medical Coverage Limits
Overall Maximum Limit
Age 80 or older: $10,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $250,000, $500,000,$1,000,000 or $2,000,000
Maximum per Injury / Illness
Age 80 or older: $10,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $250,000, $500,000,$1,000,000, or $2,000,000
Deductibles
$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Coinsurance
We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit
Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
Up to the overall maximum limit
Up to $25,000 lifetime maximum for Emergency Medical Evacuation
Emergency Coverage
Emergency Room Co-Payment
Claims incurred in the U.S.
You shall be responsible for a $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital.
There will be no co-payment for emergency room treatment of an injury
Claims incurred outside the U.S.
No co-payment
Local Ambulance
Usual, reasonable and customary charges, only when covered illness or injury results in hospitalization as inpatient
Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum, except as provided under Acute Onset of Pre-existing Condition
– not subject to deductible or overall maximum limit
Out-Patient
Outpatient Physical Therapy and Chiropractic Care
Up to $50 maximum per day. Must be ordered in advance by a physician
Urgent Care Center Co-Payment
Claims incurred in the U.S.
For each visit, you shall be responsible for a $15 co-payment
– co-payment is waived for members with a $0 deductible
– not subject to deductible
Claims incurred outside the U.S.
No co-payment
In-Patient
Hospital Room and Board
Average semi-private room rate, including nursing services.
Hospital Intensive Care Unit
Up to the overall maximum limit
Dental Coverage
Emergency Dental (Acute Onset of Pain)
Up to $300 – not subject to deductible
Travel Coverage
Repatriation of Remains
Equal to the elected overall maximum limit – not subject to deductible or coinsurance. This limit is for this benefit only
and is not included in or subject to the overall maximum limit.
Emergency Reunion
Up to $100,000, subject to a maximum of 15 days – not subject to deductible
Return of minor Child(ren)
Up to $50,000 – not subject to deductible
Trip Interruption
Up to $10,000 – not subject to deductible
Lost Checked Luggage
Up to $1,000 – not subject to deductible
Additional Coverage Options
Natural Disaster - Replace Accommodations
Up to $250 a day for 5 days – not subject to deductible
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
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