International Major Medical PIU

Comprehensive Coverage, A.M. Best Rating: A
Lloyd's of London

International Major Medical PIU is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for a traveler's temporary stay outside of their home country. The coverage duration is available from 10 days to 330 days. While in the U.S, after the deductible is satisfied within the First Health PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Learn more about how International Major Medical PIU works.

International Major Medical PIU does not offer coverage for COVID-19.

International Major Medical PIU does not cover Pre-Existing medical conditions. Please review International Major Medical PIU policy documents for complete coverage and exclusions.

How International Major Medical PIU Works

100%

In Network

100% up to policy maximum See How International Major Medical PIU Works.

100%

Out of Network

100% URC up to policy maximum

Key Travel Medical Insurance Benefits

COVID-19 Excluded

Cancelable

PPO

Medical Evacuation

Urgent Care

Medical Coverage During Travel

Comprehensive Coverage Plan

Coverage from 10 days to 11 months

How COVID-19 is Covered Under International Major Medical PIU

COVID-19 is not covered under this plan.

Eligibility

Coverage duration options up to 11 months
Not Extendable
For non-US citizens traveling to the USA
Coverage is available for those up to the age of 84

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Benefits

COVID-19 Coverage: Included
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 100% of eligible medical expenses up to the policy maximum
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Dental Coverage
Emergency Eye Exam Coverage
Prescriptions/Medication
Pre-Existing Conditions: No Coverage

Eligibility

For non U.S residents and non U.S citizens traveling to the U.S
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 364 days in a policy period
Extendable for up to 364 days

Purchase Restrictions

Not Available for the following Destination Countries: Belarus (BLR), Cuba (CUB), Iran (IRN), North Korea (PRK), Russia (RUS), Syria (SYR) & Ukraine (UKR)
Not available if Home Country/Country of Residences are: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Syria (SYR), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
Not available for Citizens of: Cuba (CUB), Iran (IRN), Myanmar (MMR), North Korea (PRK), Puerto Rico (PRI), Ukraine (UKR), United States (USA) & Virgin Islands (USA) (VIR)
Not available to individuals who are physically located in the states of: Maryland (MD), New York (NY) & Washington (WA)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.
Not available to individuals who are physically located in the country of Australia (AUS) & Canada (CAN)

Plan FAQs

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Benefits

COVID-19 Coverage: Included
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter.
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Eye Exam Coverage
Emergency Dental Coverage
Prescriptions/Medication
COVID-19 Test Benefit: At least 30 days of coverage must be purchased prior to departing the home country
Quarantine Indemnity
Influenza (flu) shot
No Cancellation Fee
No Extension Fee
Pre-Existing Conditions: No Coverage

Eligibility

For non U.S. residents and non U.S. citizens, while traveling to the United States and for incidental trips to Canada, Mexico, Latin America, Bahamas and South America
For Ages 14 days to 79 years
Coverage for minimum of 5 days up to 365 days
Extendable for up to 365 days
Must purchase a minimum of 30 days of coverage prior to leaving the country of residence to be eligible for the Public Health Emergency Screening (COVID-19 Test) benefit.

Purchase Restrictions

Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Puerto Rico (PRI), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA), Puerto Rico (PRI), Sierra Leone (SLE), United States (USA) & Virgin Islands (USA) (VIR)
Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.

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Benefits

COVID-19 Coverage: Included
After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 80% of eligible medical expense up to $5,000, then 100% thereafter
Acute Onset of Pre-Existing Condition Coverage
Emergency Medical Evacuation
Urgent Care Visits
Emergency Room Services
Emergency Eye Exam Coverage
Emergency Dental Coverage
Prescriptions/Medication
Pre-Existing Conditions: No Coverage

Eligibility

For non U.S residents traveling internationally, including the USA
For U.S citizens living abroad and visiting the USA for a short trip
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days
Extendable for up to 365 days
Temporary coverage for green card holders visiting the USA for a short trip

Purchase Restrictions

Not available if Home Country/Country of Residences are: Botswana (BWA), Cuba (CUB), Gambia (GMB), Ghana (GHA), Iran (IRN), Kosovo (XKX), Niger (NER), Nigeria (NGA), North Korea (PRK), Sierra Leone (SLE), Syria (SYR), United States (USA), Venezuela (VEN) & Virgin Islands (USA) (VIR)
Not available for Citizens of: Botswana (BWA), Gambia (GMB), Ghana (GHA), Kosovo (XKX), Niger (NER), Nigeria (NGA) & Sierra Leone (SLE)
Not Available for Purchase from the Following U.S. States/Territories: Maryland (MD) & New York (NY)
Note: These U.S state restrictions are only applicable for purchase. The policy will still cover travelers visiting and temporarily staying in these U.S states.

Plan FAQs

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.