Plan Detail

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

• Eligibility: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and excluding USA.
• Coverage Length: Min 5 days up to max 365 days.
• Policy can be Extend up to 364 days, then can be renewed up to 2 times - only for non-US citizens traveling outside the US
• 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: After deductible is paid by insured, plan pays 100% up to policy maximum.
• PPO Network: Provides Equian Internation Provider Network.
• ID Card & Visa Letter comes in email instantly.
• Note: Not available North korea, Iran and Cuba.
• Members cannot be located in the following locations at the time of purchase: Maryland, Washington, Canada, New York.

Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions) (only available to members under age 80)	Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation

PRE-EXISTING MEDICAL CONDITIONS

This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits.

Pre-existing Condition means any

1. Condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the

2. 2 years immediately preceding the certificate effective date; 2. Condition that had manifested itself in such a manner that would have caused a reasonably prudent person to seek medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) within the 2 years immediately preceding the certificate effective date; or

3. Injury, illness, sickness, disease, or other physical, medical, mental, or nervous conditions, disorder or ailment (whether known or unknown) that, with reasonable medical certainty, existed at the time of application or within the 2 years immediately preceding the certificate effective date. For the purposes of the Complications of Pregnancy coverage offered hereunder, pregnancy will not be included within the definition of a pre-existing condition

ACUTE ONSET OF PRE-EXISTING CONDITION YOU ARE COVERED:

1. Charges for a sudden and unexpected outbreak or recurrence of a pre-existing condition(s) which:

a. Occurs when you are under age 80; and

b. Occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms; and

c. Is of short duration; and

d. Is rapidly progressive; and

e. Requires urgent care. YOU ARE NOT COVERED unless you fulfill the following condition:

1. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

YOU ARE NOT COVERED IF:

1. The Acute Onset of a Pre-existing Condition(s) occurs before the certificate effective date; or

2. The pre-existing condition is

• a chronic or congenital condition; or
• a complication or consequence of a chronic or congenital condition; or
• a condition that gradually becomes worse over time; or

3. The charges are for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the certificate effective date; or

4. Expenses arise directly or indirectly from anything in the General Exclusions.