After deductible, pays fixed amounts as per schedule of benefits.
Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages < 70
Direct Billing: Depends upon provider No PPO. No contracted rates.
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International Travel Health Insurance
For individuals traveling outside home country, excluding the U.S.
International travel health insurance plans provide the coverage while traveling outside the home country. The plans listed in this section are applicable if your travel does not include the U.S. International travel health insurance generally provides medical insurance in case of new medical conditions, injuries and accidents. Most of the international travel health insurance plans provide other travel related coverages such as emergency medical evacuation, repatriation of mortal remains, loss of checked luggage and so on. However, each plan is different and you should thoroughly compare various international travel health insurance plans to choose the one most suitable for your specific needs.
Fixed Coverage Plans
Limited Coverage (How?)
Comprehensive Coverage Plans
Recommended (Why?)
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions, US Citizens: To policy maximum to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens Ages 69 and younger up to policy maximum or $1,000,000 (lower amount)
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages < 70 and to policy max or $100,000 (lower amount) for 70-79
After deductible, pays 100% to policy maximum.
Comprehensive Coverage Plans
Recommended (Why?)
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions, US Citizens: To policy maximum to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens Ages 69 and younger up to policy maximum or $1,000,000 (lower amount)
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages < 70 and to policy max or $100,000 (lower amount) for 70-79
After deductible, pays 100% to policy maximum.
After deductible, pays 100% to policy maximum.
Pre-existing condition coverage to policy maximum
After deductible, pays 100% to policy maximum.
Sudden and unexpected reoccurrence of pre-existing conditions coverage: $2,500
After deductible, pays 100% to policy maximum.
After deductible, pays 100% to policy maximum.
After deductible, pays 100% to policy maximum.
Unexpected recurrence of pre-existing condition coverage: $20,000 for ages <65; $10,000 for ages 65+
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions, US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens Ages 69 and younger up to $1,000,000
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages < 70 and to policy max or $100,000 (lower amount) for 70-79
After deductible, plan pays Usual, Reasonable, and Customary to policy maximum.
After deductible, pays 100% to policy maximum.
Unexpected recurrence of pre-existing condition coverage: $20,000 for ages <65; $10,000 for ages 65+
After deductible, pays 100% to policy maximum.
Acute onset only, for persons under 65: $10,000; 65+; $2,500
Direct Billing: Through United Healthcare PPO Network or First Health PPO Network 
After deductible, pays 100% to policy maximum.
After deductible, pays 100% to policy maximum.
After deductible, pays 100% to policy maximum.
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions (including cardiac) coverage to $20,000 for ages <65; $2,500 for 65+
Fixed Coverage Plans
Limited Coverage (How?)
After deductible, pays fixed amounts as per schedule of benefits.
Acute onset of pre-existing conditions (including cardiac) coverage to policy max for ages < 70
Direct Billing: Depends upon provider No PPO. No contracted rates.
Did you know?
Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
Learn More