Choice America is a limited Travel Medical insurance plan that provides pre-defined amounts for medical coverage and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration available is from 5 days to 365 days. While in the U.S, after the deductible is satisfied within the First Health PPO network, the insurance company will pay up to the stated amount in the policy document for each covered treatment or service. ChoiceAmerica can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.

Key Highlights:

  • COVID-19 Included
  • Extendable & Cancelable
  • PPO Network
  • Medical Evacuation
  • Urgent Care
  • Medical Coverage During Travel
  • Basic Coverage Plan
  • Coverage from 5 days to 365 days
Key Highlights

Best Suitable Plan For

Parents visiting USA
Non-US Citizens visiting USA
B1/B2 Visa Holders to the USA
Plan Details

Insurance Provider

International Medical Group (IMG)


Plan Underwriter

SiriusPoint Speciality Insurance Corporation


Plan Rating

A.M. Best Rating: A


Plan Category

Travel Medical Insurance


Plan Type

Limited Coverage


PPO Network

First Health PPO Network

Plan Eligibility

Eligibility

For non U.S residents and non U.S citizens, traveling to the United States, Mexico or Canada


Age for Coverage

14 days to 79 years


Coverage Duration

Minimum of 5 days to a maximum of 365 days


Extendable

Yes, up to 365 days

Policy Maximum, Deductibles & Medical Coverage Limits

Maximum Coverage

Plan A: $50,000 per certificate period
Plan B: $100,000 per certificate period
Plan C: $150,000 per certificate period


Deductible ($0 deductible not available for ages 70-79)

Plan A: $0, $50, or $100 per certificate period
Plan B: $0, $50, or $100 per certificate period
Plan C: $0, $50, or $100 per certificate period

Pre-Existing Conditions

Pre-Exisiting Conditions

Plan A: Optional Add-on: Physician’s visit $150, 3 visits max Lab & X-ray $1,000 ER & Hospitalization $1,500 Prescription $100
Plan B: Optional Add-on: Physician’s visit $150, 3 visits max Lab & X-ray $1,000 ER & Hospitalization $1,500 Prescription $100
Plan C: Optional Add-on: Physician’s visit $150, 3 visits max Lab & X-ray $1,000 ER & Hospitalization $1,500 Prescription $100


Emergency Coverage

Emergency Local Ambulance

Plan A: Up to $650 per certificate period
Plan B: Up to $650 per certificate period
Plan C: Up to $650 per certificate period


Emergency Medical Evacuation

Plan A: Up to $50,000 per evacuation
Plan B: Up to $50,000 per evacuation
Plan C: Up to $50,000 per evacuation

Out-Patient

Outpatient Physician Visits (Includes Urgent Care Clinics and Walk-in Clinics)

Plan A: Up to $65 per visit, 10 visits per certificate period
Plan B: Up to $90 per visit, 10 visits per certificate period
Plan C: Up to $90 per visit, 10 visits per certificate period


Hospital Emergency Room

Plan A: Up to $400 per visit
Plan B: Up to $600 per visit
Plan C: Up to $800 per visit


Prescriptions

Plan A: Up to $350 per certificate period
Plan B: Up to $350 per certificate period
Plan C: Up to $350 per certificate period

In-Patient

Hospital Room & Board

Plan A: Up to $1,400 per day, 30-day maximum certificate period
Plan B: Up to $2,000 per day, 30-day maximum per certificate period
Plan C: Up to $3,000 per day, 25-day maximum per certificate period


Intensive Care

Plan A: Up to an additional $700 per day, 8-day maximum per certificate period
Plan B: Up to an additional $1,000 per day, 8-day maximum per certificate period
Plan C: Up to an additional $1,500 per day, 8-day maximum per certificate period

Dental Coverage

Dental Accident

Plan A: Up to $700 per certificate period
Plan B: Up to $700 per certificate period
Plan C: Up to $700 per certificate period

Travel Coverage

Return of Mortal Remains to Home Country

Plan A: Up to $7,500 maximum or $5,000 for local burial or cremation
Plan B: Up to $7,500 maximum or $5,000 for local burial or cremation
Plan C: Up to $7,500 maximum or $5,000 for local burial or cremation

Additional Coverage Options

Adventure Sports Rider

Plan A: Up to $50,000 per certificate period (Maximum limit varies by age)
Plan B: Up to $50,000 per certificate period (Maximum limit varies by age)
Plan C: Up to $50,000 per certificate period (Maximum limit varies by age)

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