This plan is available for non-U.S. citizens aged 15 days to 99 years traveling outside their home country.
OSK Protect America
OSK Protect America
The OSK Protect America plan provides medical coverage for travelers outside their home country, covering unexpected illnesses and injuries such as hospitalization, doctor visits, and emergency care. It focuses on medically necessary, non-elective treatment during international travel.
The plan offers flexible coverage limits up to $1,000,000 with deductible options ranging from $100 to $5,000. After the deductible, it pays 100% of eligible expenses for in-network providers and 50% for out-of-network services.
It also includes coverage for acute onset of pre-existing conditions and urgent care visits with a $25 co-pay, helping travelers manage sudden medical needs during their trip.
Additional benefits include emergency medical evacuation, trip interruption, repatriation of remains, border entry protection, and 24/7 telemedicine services. Coverage is available for up to 364 days and applies only while traveling outside the home country.
Key Highlights
- Comprehensive travel medical protection
- Coverage up to $1,000,000
- Acute onset of pre-existing conditions included
- Border Entry Protection up to $500
- Covers unexpected illness and injuries
- Emergency medical evacuation benefits
- Worldwide emergency support assistance
- Flexible deductible selections
- Telemedicine with $0 copay
- Trip interruption protection
- Affordable and traveler-friendly coverage
- Easy claims assistance process
- Designed specifically for international travelers
Note:
Please review OSK Protect America policy documents for complete coverage and exclusions.
Plan Details
| Insurance Provider | Skybridge Risk Holdings LLC |
| Plan Underwriter | Skybridge Risk Holdings Bermuda |
| Plan Category | Travel Medical Insurance |
| Plan Type | ACUTE-ONSET Coverage |
| PPO Network | United healthcare PPO |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Prescription Drugs / Medicines | $500 Note : Medical Benefit Sub-limits per Person, per Period of Coverage after UHC Repricing Benefit between 20-90% |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | Covered Condition: Up to $20,000 Acute Onset of Pre-Existing Conditions: Up to Maximum Benefit |
| Surgical Treatment | Up to Maximum Benefit $15,000 Note : Medical Benefit Sub-limits per Person, per Period of Coverage after UHC Repricing Benefit between 20-90% |
| Hospital Intensive Care Unit | N/A |
Emergency Services
Hospital emergency services (certain limits may apply).
| Emergency Room | Emergency treatment resulting in admission of less than 24 hours, up to $4,000 for Pre-existing Conditions Up to Maximum Benefit $4,000 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $25,000 Must be approved in advance and coordinated by the Claims Administrator. Repatriation of Remains : $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 |
| Return of mortal remains | $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 |
| Trip Interruption | Economy Ticket up to $2,500 Due to death/Illness of Immediate Family or disaster at home. |
| US Border Entry Protection | Up to $500 per terms and conditions |
Life Coverage
Life coverage
| AD&D | $25,000 per Insured |
Support
Support
| 24-Hrs Emergency Assistance | 24/7 Telemedicine : $0 Copay | Registration Provided in Fulfillment |
Other
Other types of coverage not mentioned above.
| Cancellable | Yes |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Acute onset Pre-Existing Condition | Up to Maximum Benefit |
OSK Protect America FAQS
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Who is eligible for OSK Protect America plan?
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Does this plan cover pre-existing conditions?
Yes. The plan provides limited coverage for acute onset of pre-existing conditions subject to policy terms.
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Is emergency medical evacuation covered?
Yes. Emergency medical evacuation coverage is available up to the policy limit and must be pre-authorized.
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Does the plan include telemedicine?
Yes. 24/7 telemedicine access is included with $0 copay.
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Are adventure sports covered?
No. Adventure sports and high-risk activities are excluded under the policy.
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Can I cancel the policy?
Yes. The policy can be cancelled before the effective date with applicable cancellation fees and conditions.
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Is there a waiting period for coverage?
If the policy is purchased after arriving in the host country, sickness coverage becomes effective after a 7-day waiting period.
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Does the plan cover hospitalization?
Yes. Eligible hospitalization expenses including room, board, and medically necessary treatment are covered.
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What is the maximum coverage available?
Coverage options are available up to $1,000,000 depending on the selected plan.
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Is coverage available inside the home country?
No. Coverage is only available outside the insured person’s home country.
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Can I extend my policy?
Yes, coverage may be extended up to a maximum total coverage period of 364 days, subject to eligibility and approval. Each extension is treated as a new insurance contract.