MCIS Flexible Travel Insurance - Including USA

Plan Detail

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

Acute Pre-Ex Coverage


Acute Onset of Pre-existing Conditions

Available only for non-U.S. residents

under age 70 traveling outside their home country up to $50,000 per person per Period of Coverage.

(Ages 70-79, up to $15,000, Age 80+, no benefit)

Up to an additional $25,000 per person per Period of Coverage for Emergency Medical Evacuation related to an Acute Onset of a Pre-Existing Condition

Acute Onset of a Pre-existing Condition

If You are a non-U.S. resident under age 80, traveling in the United States, you are covered for an Acute Onset of a Pre-existing Condition(s) as defined in PLAN DEFINITIONS. This benefit does not apply to insureds age 80 or older. To be considered a Covered Expense under this benefit, the expenses for an Acute Onset must be incurred in the United States and must be a result of an Acute Onset which occurs in the United States. 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 (1) acute episode per Pre-existing Condition. Coverage is available up to the maximum stated in the SCHEDULE OF BENEFITS for Eligible Medical Expenses. In addition, coverage is provided up to $25,000 for Emergency Medical Evacuation. Please see Medical Benefit Exclusions, exclusion #1(b) for details.

shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms and requires urgent care. The Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the Certificate. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition that is a Congenital condition or that gradually becomes worse over time will not be considered 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 Effective Date of coverage. Pre-existing Condition

shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36 months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosed. This specifically includes but is not limited to any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the 36 month period immediately preceding the effective date of coverage under this policy.