Plan Detail

Plan Administrator: WorldTrips | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

• Eligibility: Non US citizen age at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
• Coverage Length: Min 5 days up to max 364 days.
• Renew Online: Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
• Acute Onset of Pre-existing Condition: Under age 70: Up to the overall maximum limit, Age 70-79: Up to the overall maximum limit or $100,000, whichever is lower.
• Co-Insurance:
  In Network:After deductible is paid by insured, plan pays 100% up to policy maximum
  Out-of-Network:After deductible is paid by insured, plan pays as per URC 100% up to policy maximum
• PPO Network provides United Healthcare PPO Network.
• ID Card & Visa Letter comes in email instantly.
• Note: Not available for North Korea, Syria, Iran and Cuba.
• Members cannot be located in the following locations at the time of purchase: Maryland, Washington, Canada, New York, Australia.

Cancellation

Article 5 – Conditions Precedent

The following are conditions precedent to Underwriter’s liability under this insurance:

Premium

1. Rates: Rates shall be as set forth in the exhibit attached hereto.
2. Payment: Payment of the required premium shall be remitted to Underwriters on or before the member’s certificate effective date or the continuation date (if applicable).
3. Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.
4. Premiums may be refunded after the certificate effective date subject to the following provisions:
a. A $25 cancellation fee will apply for administrative costs incurred by us; and
b. Only the unused portion of the plan cost will be refunded; and
c. You cannot have filed any claims to be eligible for a premium refund.
5. Premium is considered to be paid on the date the payment instrument is received by Underwriters, provided such instrument provides immediately available funds.

Misrepresentation and Fraud

1. Application:

We rely on the statements made by you on the application in connection with the making of the application in determining whether or not the individual(s) included on the application meets the eligibility requirements and the underwriting requirements for insurance hereunder. Any misstatement, concealment or fraud in the participating organization’s application or the member’s application, or in relation to any statement or warranty made by the participating organization, the member, or their authorized representative, whether in writing or otherwise, to us or our representatives, on or in connection with the application shall render this insurance null and void and all claims hereunder shall be forfeited, in addition to any and all other remedies available to us.

2. Claims:

We rely on the statements made by the member on the claimant’s statement and in connection with the submission of any claim hereunder in determining whether or not and to what extent benefits under this insurance may be payable. Any misstatement, concealment or fraud in the making of any claim hereunder shall render this insurance null and void and all claims hereunder shall be forfeited, in addition to any and all other remedies available to us. If any claim under this insurance shall be in any respect fraudulent or if any fraudulent means or devices are used by the member or anyone acting on their behalf, this insurance shall be null and void and all claims hereunder shall be forfeited, in addition to any and all other remedies available to us.

Waiver of Rights

Our failure to enforce or require compliance with any provision herein will not waive, modify or render such provision unenforceable at any other time, whether or not the circumstances are the same.

Trade Sanctions

This Master Policy does not apply to the extent any trade or economic sanctions, or other laws or regulations prohibit us from providing insurance, including, but not limited, to the payment of claims.