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Premium Comprehensive Travel Plan

Underwriter: Crum & Forster, SPC
Comprehensive A.M. Best Rating: A
Comprehensive A.M. Best Rating: A

Premium Comprehensive Travel Plan is an A+ rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration available is from 30 days to 180 days. While in the U.S, after the deductible is satisfied, the plan will pay up to 100% of eligible medical expenses until the policy maximum is reached. Learn more about how Premium Comprehensive Travel Plan works.


Premium Comprehensive Travel Plan can cover COVID-19 like any other covered medical condition if the virus was contracted after the policy effective date.


Premium Comprehensive Travel Plan does not cover Pre-Existing medical conditions. Please review Premium Comprehensive Travel Plan's policy documents for complete coverage and exclusions.

Plan Brochure

How Premium Comprehensive Travel Plan Works

After the deductible, plan pays 100% of the Preferred Allowance for eligible medical expenses within the United Healthcare PPO network.
Outside of the PPO network, after the deductible, plan pays 75% of the URC for eligible medical expenses up to the policy maximum

In Network

100%

After deductible, 100% of the Preferred Allowance
See How Premium Comprehensive Travel Plan Works.

Out of Network

75%

After deductible, 75% of urc, up to Policy Maximum

PPO Network for Premium Comprehensive Travel Plan

Inside the USA

The PPO provider for Premium Comprehensive Travel Plan Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.

When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Premium Comprehensive Travel Plan policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.

View Providers in USA

Outside the USA

There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can visit any doctor or hospital.

Key Travel Medical Insurance Benefits

Here are some of the top benefits, for your convenience*

Emergency Room
Emergency Room
$100 copay, 100% of the Preferred Allowance
Hospitalization
Hospitalization
$100 copay, 100% of the Preferred Allowance
Urgent Care
Urgent Care
$75 copay, 100% of the Preferred Allowance
Prescription Rx - Medicine
Prescription Rx - Medicine
100% up to Policy Maximum
Acute Onset of Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
up to $25000 : Age 89 and below
PPO Network
PPO Network
PPO Network
Medical Evacuation
Medical Evacuation
Up to $500000
Lab & X-Rays
Lab & X-Rays
75% of urc, up to Policy Maximum
Emergency Room
Emergency Room
$100 copay, 100% of the Preferred Allowance
Acute Onset of Pre-Existing Conditions
Acute Onset of Pre-Existing Conditions
up to $25000 : Age 89 and below
Hospitalization
Hospitalization
$100 copay, 100% of the Preferred Allowance
PPO Network
PPO Network
PPO Network
Urgent Care
Urgent Care
$75 copay, 100% of the Preferred Allowance
Medical Evacuation
Medical Evacuation
Up to $500000
Prescription Rx - Medicine
Prescription Rx - Medicine
100% up to Policy Maximum
Lab & X-Rays
Lab & X-Rays
75% of urc, up to Policy Maximum

*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage benefits, exclusions and age limits. Optional add-on benefits are available for an additional charge.

Eligibility for Premium Comprehensive Travel Plan

  • For non U.S residents and non U.S citizens traveling to the U.S.
  • Coverage for minimum 30 days to maximum up to 180 days
  • Extendable for up to 360 days in 30-day increments
  • For ages 14 days to 99 years
  • Plan must be purchased within 365 days of arrival
Medical Coverage

Medical Coverage

Medical coverage details.

Eligible Medical Expenses
In-Network
In-Network
100% of the Preferred Allowance
Out-Network
Out-Network
75% of urc, up to Policy Maximum
75%
Available Policy Maximums
Available Policy Maximums
$50K $100K $150K $200K
Limits may vary based on age or destination of traveler
Available Deductibles
Available Deductibles
$250 $500 $1,000 $2,000 $2,500
Limits may vary based on age or destination of traveler
Pre-existing Conditions

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions
Pre-Existing Conditions

Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:

  • Pre-Existing Diabetes: Not Covered
  • Pre-Existing Hypertension: Not Covered
  • Pre-Existing Heart Conditions: Not Covered

    Please review your policy document for any other limits or exclusions.

    • Acute onset Pre-Existing Condition
    Acute onset Pre-Existing Condition
    up to $25,000 : Age 89 and below
    Out-Patient

    Out-Patient

    Medical treatment that does not include an overnight stay at a hospital.

    Prescription Drugs / Medicines
    Prescription Drugs / Medicines
    Generic: 100% up to Policy Maximum. $25 copay per prescription based on a 30 day supply per Rx

    Brand Name: 100% up to Policy Maximum. $50 copay per prescription based on a 30 day supply per Rx
    100%
    Dr. / Physician Visit
    In-Network
    In-Network
    $35 copay, 100% of the Preferred Allowance
    $35 100%
    Out-Network
    Out-Network
    75% of urc, up to Policy Maximum
    75%
    Urgent Care
    In-Network
    In-Network
    $75 copay, 100% of the Preferred Allowance
    $75 100%
    Out-Network
    Out-Network
    75% of urc, up to Policy Maximum
    75%
    Surgical Treatment
    In-Network
    In-Network
    100% of the Preferred Allowance
    Out-Network
    Out-Network
    75% of urc, up to Policy Maximum
    75%
    Lab & X-rays
    In-Network
    In-Network
    100% of the Preferred Allowance
    Out-Network
    Out-Network
    75% of urc, up to Policy Maximum
    75%
    In-Patient

    In-Patient

    Medical treatment that includes an overnight stay at a hospital.

    Hospital Room and Board
    In-Network
    In-Network
    $100 copay, 100% of the Preferred Allowance
    $100 100%
    Out-Network
    Out-Network
    75% of the Semi-Private Room Rate
    Dr. / Physician Visit
    In-Network
    In-Network
    $35 copay, 100% of the Preferred Allowance
    $35 100%
    Out-Network
    Out-Network
    75% of urc, up to Policy Maximum
    75%
    Surgical Treatment
    In-Network
    In-Network
    100% of the Preferred Allowance
    Out-Network
    Out-Network
    75% of urc, up to Policy Maximum
    75%
    Emergency Services

    Emergency Services

    Hospital emergency services (certain limits may apply).

    Ambulance Expenses
    In-Network
    In-Network
    100% of the Preferred Allowance
    Out-Network
    Out-Network
    100% of urc, up to Policy Maximum
    100%
    Emergency Room
    In-Network
    In-Network
    $100 copay, 100% of the Preferred Allowance
    $100 100%
    Out-Network
    Out-Network
    100% of urc, up to Policy Maximum
    100%
    Dental Coverage

    Dental Coverage

    Treatment for injury to or acute and spontaneous pain in sound natural teeth.

    Dental Emergency
    Dental Emergency
    100% of the Preferred Allowance
    Travel Coverage

    Travel Coverage

    Travel-related coverage

    US Border Entry Protection
    US Border Entry Protection
    Not covered
    Emergency Medical Evacuation / Repatriation
    Emergency Medical Evacuation / Repatriation
    Up to $500,000
    Return of Mortal Remains
    Return of Mortal Remains
    Up to $500,000
    Trip Interruption
    Trip Interruption
    Not covered
    Trip Delay
    Trip Delay
    Not covered
    Lost Luggage
    Lost Luggage
    Not covered
    Terrorism
    Terrorism
    Not covered
    Personal Liability
    Personal Liability
    Not covered
    Identity Theft
    Identity Theft
    Not covered
    Legal Fees
    Legal Fees
    Not covered
    Lost or Stolen Passport
    Lost or Stolen Passport
    Not covered
    Missed Connection
    Missed Connection
    Not covered
    Other

    Other

    Other types of coverage not mentioned above.

    Doctor Wellness Visit
    Doctor Wellness Visit
    Included
    Preferred Rates
    Preferred Rates
    Not covered
    Premium Comprehensive Travel Plan Exclusions

    Premium Comprehensive Travel Plan Exclusions

    What is not covered

    Manage Your Policy Online

    Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

    Helpful Links

    The Premium Comprehensive Travel Plan is available for any non-US citizen or resident visiting the USA for a short period of time. It is not available for US citizens, or long-term visa holders who pay taxes in the USA.

    Pre-existing conditions are not covered in the Premium Comprehensive Travel Plan. However, it does cover for an acute onset of pre-existing conditions:

  • For age 14 days to 89 years, the plan pays up to $25,000.

    • It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

    An acute onset is a sudden 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, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition.

    You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Premium Comprehensive Travel Plan, which is the United Healthcare PPO Network.

    You can search for doctors or hospitals in this Provider Directory.

    The Premium Comprehensive Travel Plan includes an annual wellness visit, including lab tests.

    Please refer to the following article concerning the claim process:
    Visitor Insurance Claim Process

    The cost of Premium Comprehensive Travel Plan varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, and selected coverage benefit limits.

    Based on the desired coverage length you have selected, you have to make the full payment at the initial purchase.

    Since this plan is extendable you can extend it anytime you would like to before the policy expires.

    Please refer to the following article about the policy usage: How to use Visitor Insurance?

    Each insurance company may have their own state-specific regulations on where plans can be sold. These state restrictions only impact residents from those specific states from purchasing these plans. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period.

    Yes, if you buy the plan initially for more than 30 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires.

    No, the Premium Comprehensive Travel Plan can only be cancelled before the policy effective date

    You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers and repurchasing for the remaining travelers as per the policy terms.

    You will need names, coverage duration, date(s) of birth, home country address, and a valid credit card.

    You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. Nothing is sent to the mailing address in the home country.

    Coverage will be provided in all eligible countries visited with the exception of your Home Country and any restricted countries listed in the policy documentation. Coverage will only be offered within the policy start and end dates. Please note: If any part of your trip includes the United States, please select it as your destination country.

    Premium Comprehensive Travel Plan can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.

    Coverage will begin on the date selected and once the policyholder has left their home country. The policy will only cover for conditions that occur after the policy effective date.
    Only the primary destination in the application will be listed on the policy documents, but rest assured that all other eligible inputted countries will be covered during the active policy period.

    Coverage on the travel medical insurance plan will begin on the date of departure (12:01am CST) and once the traveler has left their home country. Coverage areas are anywhere outside one's' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am CST the day after the last date of coverage.

    No, your Premium Comprehensive Travel Plan won't be extended or renewed automatically. You have to sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility.

    The Premium Comprehensive Travel Plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

    Premium Comprehensive Travel Plan will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered.

    The Premium Comprehensive Travel Plan does not offer any coverage for quarantine.

    The insurance provider recommends that you submit any correction requests in writing as your policy is a legally enforceable document. Following receipt of the correction, we send the request to the insurance provider; normally, the updates require 3-5 business days. They are processed in the order that they are received. We advise double-checking the information on the application before completing the purchase to prevent any errors and corrections.
    Learn more from informative articles at Visitor Insurance Information section.

    Premium Comprehensive Travel Plan can cover Monkeypox and will treat it the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed your home country. For more information regarding Monkeypox and travel insurance, review the blog about Monkeypox.

    The Premium Comprehensive Travel Plan does not cover for the Monkeypox vaccine, but will cover Monkeypox treatment and services the same as any other eligible condition if the virus was contracted after the policy effective date. Preventative care related to Monkeypox is not covered under the policy. Please sign in to your account to view your plan specific documents for any limits or exclusions.

    Have specific questions about this plan?

    AI Assistant Premium Comprehensive Travel Plan

    AI assistant can help you find specific terms and details in the policy document.

    Need more assistance?

    Chat with Luna

    Our smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.

    In a world of AI, talk to a real human.

    Get personalized guidance from a licensed insurance expert to help you choose the right coverage.

    All our insurance advisors are fully licensed and based in California, US.

    Trusted Advice

    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.

    VisitorsCoverage

    Optional add-on benefits

    Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.

    Disclaimer:
    Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.

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