MCIS Flexible Travel Insurance - Excluding USA

Plan Detail

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

Pre-existing Coverage


Optional: Illness Coverage Rider

Adds Base Medical Benefits and Services coverage for Eligible Medical Expenses due to an illness.

Acute Onset of Pre-existing Conditions Available only for non-U.S. residents under age 70 traveling outside their home country. The benefit covers up to $50,000 (Ages 70-79, up to $15,000, Age 80+, no benefit).

Up to an additional $25,000 for Emergency Medical Evacuation for an Acute Onset of a Pre-Existing Condition.

Optional: Benefit Enhancement Rider

Increases In-network Coinsurance to 100% and increases Acute Onset of Pre-existing Conditions.

Acute Onset of Pre-existing Conditions Available only for non-U.S. residents under age 70 traveling outside their home country. This benefit adds an additional $25,000 in medical coverage. (Ages 70-79, up to $15,000, Age 80+, no benefit) The benefit adds an additional $50,000 for Emergency Medical Evacuation for an Acute Onset of a Pre-Existing Condition.

Acute Onset of Pre-Existing Conditions for Non-U.S. Residents Younger Than 80 Traveling in the United States

We pay up to the stated amount for an acute onset of a pre-existing condition if it occurs during your coverage period while you are in the United States, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence. Coverage is provided until the earliest of: 1) The condition is no longer acute; or 2) You are discharged from the hospital. This benefit covers one acute episode per pre-existing condition. In addition, we provide up to the stated limit for emergency medical evacuation. An Acute Onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms and requires urgent care. A pre-existing condition that is a congenital condition or that gradually becomes worse over time will not be considered an acute onset. A pre-existing condition will not be considered an acute onset if during the 30 days prior to the acute event you had a change in prescription or treatment for a diagnosis related to the acute event. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to arrival in the United States and prior to the coverage start date.

Optional Benefit Enhancement

Increases in-network coinsurance to 100% and increases the limit for acute onset of pre-existing conditions.

Acute Onset of Pre-Existing Conditions Increase – Limits are increased as shown in the schedule.