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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?)
| COVID-19 | Included |
| Medical | Schedule Benefits |
| Evacuation | $50,000, only for under 70 |
| Repatriation | $7,500 |
After deductible, pays fixed amounts as per schedule of benefits.
Direct Billing: Depends upon provider No PPO. No contracted rates.
Acute onset of pre-existing conditions
coverage up to the policy maximum or $100,000, whichever is lower, for ages <70
Comprehensive Coverage Plans
Recommended (Why?)
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $1,000,000 |
| Repatriation | To policy maximum |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
US Citizens: To policy maximum for age up to 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)
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $1,000,000 |
| Repatriation | To policy maximum |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
coverage to policy max for ages <80
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $100,000 |
| Repatriation | $50,000 |
After deductible, pays 100% to policy maximum.
Comprehensive Coverage Plans
Recommended (Why?)
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $1,000,000 |
| Repatriation | To policy maximum |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
US Citizens: To policy maximum for age up to 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)
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $1,000,000 |
| Repatriation | To policy maximum |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
coverage to policy max for ages <80
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $100,000 |
| Repatriation | $50,000 |
After deductible, pays 100% to policy maximum.
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $25,000 |
| Repatriation | $25,000 |
After deductible, pays 75% to policy maximum.
Outside PPO Network: After deductible, pays 60% to policy maximum.
US Urgent care: $25 copay in-network, $50 copay out-of-network.
Walk-in Clinic: $15 copay in-network, $25 copay out-of-network.
Direct Billing: Through United Healthcare PPO Network 
Pre-Existing Conditions
$25,000 up to age 69; $20,000 for ages 70 and older
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | To policy maximum |
| Repatriation | To policy maximum |
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
| COVID-19 | Excluded |
| Medical | To policy maximum |
| Evacuation | $2,000,000 |
| Repatriation | $1,000,000 |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
Unexpected recurrence of a pre-existing condition coverage: $2,500
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $500,000 |
| Repatriation | $50,000 |
After deductible, pays 100% to policy maximum.
| COVID-19 | Included, up to $100,000 or policy maximum; whichever is lower. |
| Medical | To policy maximum |
| Evacuation | To policy maximum |
| Repatriation | $50,000 |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
coverage for under age 70. $150,000 for policy maximums of $550,000 and over; $50,000 for policy maximums between $60,000 and $200,000
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $2,000,000 |
| Repatriation | $1,000,000 |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
Unexpected recurrence of pre-existing condition coverage: $20,000 for ages <65; $10,000 for ages 65+
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $500,000 |
| Repatriation | $25,000 |
After deductible, plan pays Usual, Reasonable, and Customary to policy maximum.
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $1,000,000 |
| Repatriation | To policy maximum |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
coverage to policy max for ages <80
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $500,000 |
| Repatriation | $50,000 |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
Unexpected Recurrence of a Pre-existing Condition: 64 and younger $20,000; 65+ $2,500. U.S. citizens only
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $500,000 |
| Repatriation | $25,000 |
After deductible, pays 100% to policy maximum.
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $500,000 |
| Repatriation | $25,000 |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
Pre-Existing conditions covered, primary plan required
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $500,000 |
| Repatriation | $50,000 |
After deductible, pays 100% to policy maximum.
Direct Billing: Through United Healthcare PPO Network
Acute onset of pre-existing conditions
for persons under 60: Up to policy maximum; 60-79: $20,000; 80+: $5,000
| COVID-19 | Included |
| Medical | To policy maximum |
| Evacuation | $500,000 |
| Repatriation | $50,000 |
After deductible, pays 100% to policy maximum.
Acute onset of pre-existing conditions
Unexpected Recurrence of a Pre-existing Condition: 64 and younger $20,000; 65+ $2,500. U.S. citizens only