HOP! Advantage is a schedule-of-benefits insurance plan offering defined protection for international travelers. Coverage extends to medical services, including benefits for pre-existing and acute onset conditions, and non-medical protections such as quarantine lodging, trip cancellation, and baggage loss.

The plan supports direct billing with in-network providers and provides 24/7 claims and emergency travel assistance. INF’s global team manages claim processing, coordinates with medical providers, verifies eligibility, and oversees evacuation and repatriation services.

Eligibility is open to travelers ages 0–89. Policies must be purchased before the departure date, with durations ranging from 1 day up to 364 days.

Plans must be purchased before arrival at the destination country. Not available to residents of the USA, Syria, Iran, Russia, North Korea, Cuba, the United Kingdom, Gibraltar, or the European Union.

Key Highlights:

  • Defined coverage for a broad spectrum of medical needs
  • Dedicated limits for pre-existing and acute onset conditions
  • Includes non-medical protections: quarantine lodging, trip cancellation, baggage loss
  • Worldwide coverage for travel, medical, and personal assistance
  • Direct billing available with in-network providers
  • 24/7 claims support and emergency assistance accessible globally
  • Comprehensive claim processing, provider coordination, eligibility verification, evacuation, and repatriation services
  • Available to travelers ages 0–89 traveling outside their home country
  • Coverage duration from 1 to 364 days
  • Must be purchased before the trip start date and before arrival in the destination country
  • Not available to residents of USA, Syria, Iran, Russia, North Korea, Cuba, United Kingdom, Gibraltar, and the European Union
Key Highlights

Best Suitable Plan For

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

Administrator

ISC


Coverage Type

Fixed


Plan Underwriter

SPA

Policy Maximum & Deductibles

Maximum Limit per Period of Coverage

Option 1 : $25,000 per Insured Person, as indicated on the Declaration of Insurance
Option 2 : $50,000 per Insured Person, as indicated on the Declaration of Insurance
Option 3 : $75,000 per Insured Person, as indicated on the Declaration of Insurance


Pre-Existing Conditions

Pre-Existing Conditions

For Outpatient Services
Option 1 : $1,750
Option 2 : $2,500
Option 3 : $4,500


Out-Patient

Surgical Room and Supply Expenses

Option 1 : $950
Option 2 : $1,000
Option 3 : $1,050


X-rays, laboratory procedures

Option 1 : $275
Option 2 : $400
Option 3 : $525


Hospital Emergency Room

Option 1 : $275
Option 2 : $350
Option 3 : $425


Prescription Drug Expenses

Option 1 : $75
Option 2 : $100
Option 3 : $125

In-Patient

Room & Board Charges

Option 1 : $2,700
Option 2 : $3,900
Option 3 : $4,750


Doctor Surgical Expenses

Option 1 : $2,000
Option 2 : $3,000
Option 3 : $4,000

Travel Coverage

Emergency Medical Evacuation Benefit

$10,000 Maximum Limit per Period of Coverage. Must be approved in advance and coordinated by the Claims Administrator.


Repatriation of Remains Benefit

$15,000 Maximum Limit for return of the Insured Person’s Mortal Remains or ashes to Country of Residence or
$2,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s Mortal Remains at the place of death.
Must be approved in advance and coordinated by the Claims Administrator.



Additional Coverage Options

Accidental Death Principal Sum

Option 1 : $5,000 per Insured
Option 2 : $7,500 per Insured
Option 3 : $10,000 per Insured

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