Parents visiting USA Plan Details
Insurance Provider
WorldTrips
Plan Underwriter
Lloyd’s of London
Plan Rating
A.M. Best Rating: A
Plan Category
Premium Travel Medical Insurance
Plan Eligibility
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 $20,000 overall maximum limit.
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
Maximum per Injury / Illness
Age 80 or older: $20,000
Age 65 to 79: $50,000 or $100,000
All others: $50,000, $100,000, $200,000, $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
The plan pays 100% of eligible expenses after the deductible up 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 $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
Lost Checked Luggage
Up to $2,000 – not subject to deductible
Additional Coverage Options
Natural Disaster - Replace Accommodations
Up to $500 a day for 5 days – not subject to deductible
Terrorism
Up to $50,000 lifetime maximum, eligible medical expenses only
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