Plan Details
Insurance Provider
WorldTrips
Plan Underwriter
Lloyd’s of London
Plan Rating
A.M. Best Rating: A
Plan Category
Travel Medical Insurance
Plan Type
Comprehensive Coverage
PPO Network
United Healthcare PPO Network
Plan Eligibility
Eligibility
For international travelers travelling anywhere outside their home country.
U.S. citizens and residents are not eligible for coverage within the United States
Age for Coverage
14 days to 99 years
Coverage Duration
Minimum of 5 days to a maximum of 364 days
Policy Maximum, Deductibles & Medical Coverage Limits
Overall Maximum Limit
Age 80 or older – $20,000; 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
Deductible Options
$0, $100, $250, $500, $1,000, $2,500, or $5,000 per certificate period
Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
Up to the overall maximum limit
Emergency Coverage
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)
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
Out-Patient
Urgent Care
$15 co-pay (deductible waived) for urgent care and walk-in clinics. For each visit, you shall be responsible for a $15 co-payment. Co-payment is waived for members with a $0 deductible
Physical Therapy
Up to $50 maximum per day. Must be ordered in advance by a physician
In-Patient
Hospital Room
Average semi-private room rate, including nursing services
Hospital Intensive Care Unit
Up to the overall maximum limit
Dental Coverage
Acute Onset of Pain
Up to $300 (not subject to deductible)
Travel Coverage
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)
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 $150,000, 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 $15,000 (not subject to deductible)
Loss of checked Baggage
Up to $2,000 (not subject to deductible)