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Following is the general description of commonly used terms in international visitor health insurance. It is important to know that all plans do NOT work in the same way. Please refer to the individual insurance policy brochure and/or policy/certificate of insurance for complete details about each insurance plan.

Notes: In this document, wherever the term insurance company is mentioned, it actually means either the underwriting insurance company or the insurance administrator as appropriate. Also, wherever the term insurance policy is mentioned, it actually means either the insurance policy or certificate of insurance as appropriate.


Deliberate ending of a pregnancy by medical intervention.

Accidental Death & Dismemberment (AD&D)

Principal sum paid in case of accidental loss of life or accidental loss of two members. Usually 50% of the principal sum is paid in case of accidental loss of one member. "Member" means hand, foot or eye.

Accident Medical Expense

Covered expenses incurred as a result of an injury which occurs during the covered trip.

Also includes expenses for emergency dental treatment for injury to sound natural teeth up to a certain amount that depends upon the insurance plan.


Practice of inserting needles into the body to reduce pain or induce anesthesia. It is a family of procedures involving the stimulation of anatomical locations on or in the skin by a variety of techniques.

Acupuncture has been found useful particularly in chronic headaches, migraine.

Additional Benefits

If a particular insurance plan has any specific benefits that are not covered by other listed benefits, they would be listed here.


A company that administers the insurance policies including but not limited to policy branding, customer support, benefits approval, claims processing, preferred provider coordination etc.

You will never have to deal with the underwriter as everything for you will be handled by the administrator.

In some plans, claims administrator and plan administrator may be different.

Amateur Sailboat Racing

The non-professional pursuit of racing sailboats in coastal waters (no greater than 12 miles from any shoreline).

Amateur Sports

Some travel insurance plans provide coverage for injuries sustained from participating in scholastic, collegiate, and other amateur organized sporting activities.

In most of these plans, it would be covered just like any other injury.

A.M. Best Rating

A.M. Best Company, the insurance information source, offers comprehensive data about insurance professionals. Founded in 1899 by Alfred M. Best, A.M. Best is the world's oldest and most authoritative source of insurance company ratings and information. A.M. Best's Ratings are the industry's standard measure of insurer’s financial performance.

Following are various AM Best ratings:

A++ Superior
A+ Superior
A Excellent
A- Excellent
B++ Very Good
B+ Very Good
B- Fair
C++ Marginal
C+ Marginal
C Weak
D Poor
E Under Regulatory Supervision
F In Liquidation
S Rating Suspended

More Information


A nurse or a technician trained to administer anesthetics.

Anesthetic: A substance that causes lack of feeling or awareness. A local anesthetic causes loss of feeling in a part of the body. A general anesthetic puts the person to sleep.

Epidural Anesthetic: An anesthetic injected into the epidural space surrounding the fluid-filled sac (the dura) around the spine which partially numbs the abdomen and legs.


The Apostille is a specific form of Authentication that is prepared pursuant to an international treaty the "Convention de le Haye du 5 octobre 1961" also known as "The Hague Convention Abolishing the Requirements of Legalization for Foreign Public Documents." The convention eliminates the need for authentication above the level of the Secretary of the State and is only accepted by countries that have signed the treaty. The country in which the documents will be used determines the type of certificate that this office will attach to the original. If you would like more information on the Apostille, you can consult the U.S. State Department's web site. If you need to know which countries have signed the treaty, you can find that information on the same web site. You may also consult the web site of the Hague Conference on International Private Law. This web site provides the text and lists of the signatories of the various Hague Conventions. The "Convention Abolishing the Requirement of Legalization for Foreign Public Documents" is the treaty which governs the issuance of the Apostille.

Aroma Therapy

Aroma therapy is derived from the ancient practice of using natural plant essences to promote health and well being. It consists of the use of pure essential oils obtained from a wide assortment of plants, which have been steam distilled or cold-pressed from flowers, fruit, bark and roots.

Aroma therapy can help ease a wide assortment of ailments; easing aches, pains, and injuries, while relieving the discomforts of many health problems.

Aroma therapy also acts on the central nervous system, relieving depression and anxiety, reducing stress, relaxing, uplifting, sedating or stimulating, restoring both physical and emotional well being.

Assistant Surgeon

Assistant Surgeon is a physician who assists a surgeon in the operating room.

Baggage & Personal Effects

Most travel insurance plans provide coverage for the loss or damage of baggage checked either with an airline or cruise line. Some plans also provide coverage for the loss of personal effects in a hotel or otherwise.

Even though a travel provider (airline, cruise line, etc.) may provide some coverage, they have limitations regarding the amount they would pay, how they pay, excluded items, and a limit per article.

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Bedside Visit

If the Covered Person is Hospital Confined due to an Injury or Sickness for more than several days while traveling outside his/her Home Country, the Insurer will pay up to some maximum benefit for the cost of one economy round trip air fare ticket to, and the hotel accommodations in, the place of the Hospital Confinement for one person designated by the Covered Person. With respect to any one trip, this benefit is payable only once for that trip, regardless of the number of Covered Persons on that trip.

Please look at the individual plan brochure for more details.


Person(s) designated by the insured(s) that would receive the proceeds of an insurance policy upon death of the insured.

If you are applying for your parents, you should usually write your name. If you are applying for your in-laws, you should usually write your spouse's name. Please don't write the name that is already covered in the application. If you are applying for both parents, do not write your father's or mother's name in this field. Of course, you can name anyone you prefer as the beneficiary.


Amount a plan pays to a claimant, assignee or beneficiary when the insured suffers a covered loss.

Benefit Period

If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the benefit period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness and will begin counting the benefit period from that date.

Cancel for Any Reason

Regular trip cancellation insurance plans allow you to cancel your trip for covered reasons, such as your sickness, death in the family, destruction of house.

However, cancel for any reason travel insurance plans provide trip cancellation for reasons otherwise not covered by the travel insurance.

In most plans, it is an optional coverage with an added cost. Additionally, you must meet certain conditions in order to be eligible, such as timely purchase and be under a certain age. There are further restrictions related to the percentage of the trip cost you would receive back if you cancel your trip and how much in advance of your departure date you must cancel.

More Information

Cancel for Employment Layoff

Travel insurance plans normally provide trip cancellation coverage if you are laid off from your employment and are unable to go on a trip.

There are certain eligibility conditions, such as you must not have been terminated for cause, you must have been employed with the same employer for certain duration (typically one year or more) and the layoff must occur at least a certain number of days (typically 14 days) after the effective date of the insurance.

Cancel for Financial Default

If your travel supplier has to completely cease their operations due to financial circumstances for a certain duration, you would be eligible to cancel your trip and get a refund. It is not necessary for the travel supplier to have filed for a bankruptcy.

In order to be eligible for this benefit, you must insure at least your trip’s full prepaid, non-refundable cost and you must buy insurance within a certain number of days after initial trip payment date.

Cancel for Medical Reasons

Most travel insurance plans provide coverage for medical reasons.

That is, if you, your travel companion, family member, or business partner becomes sick or injured and you have to cancel your trip, you can be reimbursed your prepaid non-refundable trip cost.

If any of you are already sick or you are already anticipating that any of you would get seriously sick or pass away, it would be considered a pre-existing condition and excluded from coverage.

Cancel for Terrorism

Cancel for terrorism would provide coverage if you have to cancel your trip due to an act of terrorism that occurred in your destination city (or outlying regions or country, depending upon the plan) within a certain number of days (anywhere from 7 to 30 days, depending upon the plan) of your scheduled arrival.

The U.S. government must declare an act of terrorism. Civil disorder or riot is different from an act of terrorism.

In any case, an act of war, whether declared or undeclared, is not covered.

There may be certain time sensitive eligibility requirements for this coverage.

Cancel for Work Reasons

Regular trip cancellation insurance plans allow you to cancel your trip for covered reasons, such as your sickness, death in the family, destruction of house.

However, cancel for work reasons travel insurance allows you to cancel your trip if you have job obligations that prohibit you from taking the trip. There may be certain conditions and you would need to submit a notarized statement form completed by your company to file a claim.

Carrier / Insurance Company / Underwriter

Insurance company that actually underwrites and issues the insurance policy. The term refers to the fact that the company carries (or assumes) certain risks for the policyholder.

Certain Illnesses

The following illnesses which exist, manifest themselves, or are treated or have treatment recommended prior to or during the first 180 days of coverage from the initial effective date are considered pre-existing conditions under the plan, and are subject to the waiting period and other limitations of coverage described: tonsillectomy, disc disease, adenoidectomy, hemorrhoids or hemorrhoidectomy, disorders of the reproductive system, hysterectomy, hernia, gall stones or kidney stones, any condition of the breast, and any condition of the prostate.

This list varies by insurance company. Some plans exclude sebaceous glands, acne, other acne, sebaceous cyst, seborrhea, unspecified disease of the sebaceous glands, moles, skin tags, hypertrophic and atrophic conditions of the skin, nervous conditions.

Please look at the brochure for the complete list of diseases in each plan.

Certificate of Coverage

A statement of coverage, also known as a Certificate of Insurance, that an individual receives when insured under a group contract. The certificate serves as proof of insurance, and outlines benefits and provisions.

Chemical Dependency

"Chemical dependency" is the use of any chemical substance, legal or illegal, that creates behavioral and/or health problems, resulting in operational impairment. This term includes alcoholism and/or drug dependency that endanger the health, interpersonal relationships, or economic functions of an individual or the public health, welfare or safety. A "chemical dependency facility" is a facility whose function is the treatment, rehabilitation and prevention of chemical dependency as defined above.

Inpatient chemical dependency treatment includes inpatient treatment in a hospital setting and inpatient treatment in a free-standing facility outside a hospital. It does not include day treatment, intermediate care or transitional living, intensive outpatient treatment or outpatient treatment.


A drug therapy for cancer.

Chemotherapy is generally given in cycles: a treatment period is followed by a recovery period, then another treatment period, and so on. Usually a patient has chemotherapy as an outpatient at the hospital, at a doctor's office or clinic, or at home. However, depending on which drugs are given and the patient's general health, the patient may need to stay in the hospital for a short time.

The side effects of chemotherapy depend mainly on the drugs and the doses the patient receives. Hair loss is a major side effect.

Child Wellness

A well-baby exam usually consists of questions the care provider will ask about your baby's general health and development, followed by a physical exam. The exam includes measurements of length, height, weight and head circumference, vital signs and a general physical examination. Special attention is paid to whether your baby has met normal developmental milestones.

Various immunizations(vaccinations) would also be generally given at the time of this exam.


Someone who practices chiropractic. Chiropractic is defined as a system of diagnosis and treatment that is based upon the concept that the nervous system coordinates all of the body's functions and holds that disease results from a lack of normal nerve function and employs manipulation and specific adjustment of body structures such as the spinal column so that pressure on nerves coming from the spinal cord due to displacement (subluxation) of a vertebral body may, it is believed, cause problems not only in the back but some distance from it as in the leg. Chiropractors therefore work to manipulate the spine with their hands to realign the vertebrae and relieve the pressure on the nerves. Chiropractic treatment is believed effective for muscle spasms of the back and neck, tension headaches, and some sorts of leg pain.


Request by the insured(or his/her provider) to an insurance company to pay for services obtained from a health care provider.

COBRA (Consolidated Omnibus Budget Reconciliation)

Regulations requiring an employer who employs more than 20 people to offer continued group insurance coverage to former employees for up to 18 months. If the employee dies, the employer must offer continued group health insurance coverage to widowed spouses and dependent children for up to 36 months.


After paying the deductible, percentage or amount of covered expenses that the insured pays.

Collision Damage Waiver

Up to specified maximum limit, it covers cost of repairs for collision or comprehensive damage to a rental car, up to the limit of coverage, for which the car rental contract holds you responsible.


A procedure in which a long flexible viewing tube (a colonoscope) is threaded up through the rectum for the purpose of inspecting the entire colon and rectum and, if there is an abnormality, taking a biopsy of it or removing it. The procedure requires a thorough bowel cleansing to assure a clear view of the lining also called as colonoscopy.

Common Carrier AD&D

A common carrier is a vehicle or service, such as an airline or a cruise line that is licensed to carry passengers for hire on a regularly scheduled basis.

When an accidental death or dismemberment is due to using a common carrier, the benefit can be increased from that of regular AD&D benefit.

Common Carrier AD&D Beneficiary

If the insured person gets into an accident (while in plane for example), and either loses hand, foot, eye etc. or dies, the insurance company will pay the benefit amount. You should specify the name of the relative as 'Common Carrier AD&D Beneficiary' who should receive the benefit amount if the insured should die. That is usually close relative like son, daughter, son-in-law, etc.

If you are buying insurance for your mother and father both, please do not put any of their names in the beneficiary. This question is for who receives the money in case both die.

Concierge Services

Non-insurance related services such as:

  • International Restaurant Referrals and Reservations
  • Airport Transportation
  • Event Ticketing
  • Flower Ordering
  • Tee Times and Course Recommendations
  • Destination Information and Advice

Please see the certificate wording for details of these, well as several other possible services.

Consult Physician

Consult physician is a physician involved in the case by the primary physician for the purposes of an independent or specialized evaluation, when requested and approved by the attending physician.


A predetermined flat fee that the insured pays for healthcare services, in addition to what the insurance covers. Copay is usually not specified in percentage of the total healthcare cost. e.g., you pay $10 for a visit to the doctor's office, no matter how much the doctor's office visit charge is.

Coverage Period

In most plans, insurance coverage can be purchased in the combination of monthly and/or 15 days increments to suit your needs. e.g., for a trip of 3.5 months, you can choose 3 monthly increments and one 15 days increment. Effective date for insurance coverage can be the date of departure from home country, or it can be any other later date specified by the insured.

It is wise to have the insurance effective date same as the date when you depart from home country for the destination and end date the same as the date you arrive back in the home country so that you will be covered for any medical emergencies (for covered expenses) even during your journey.

Credit Card Protection

The Insurer will reimburse for loss due to unauthorized use of the Insured's credit cards, if the Insured has complied with all credit card conditions imposed by the credit card companies.

Crisis Response

Crisis Response is a benefit that provides coverage for Ransom, Personal Belongings, and Crisis Response Fees and Expenses in case of kidnapping. This benefit may be included in a plan or it is an optional coverage (called a rider) that needs to be added when purchasing a plan.

Please refer to your plan documents for complete details.

CT Scan

Computerized Tomography Scan. Pictures of structures within the body created by a computer that takes the data from multiple X-ray images and turns them into pictures on a screen.


A procedure in which the doctor inserts a lighted instrument called a cystoscope into the urethra (the tube that carries urine from the bladder to the outside of the body) in order to look inside the urethra and bladder.


Amount to be paid by the insured person before the insurance company begins to pay for the covered expenses. Deductible may be either per sickness/injury or once per policy period or once per year depending upon the insurance policy you purchase. You will not receive any reimbursement later from insurance company for the deductible you pay.

e.g., Suppose you buy an insurance policy with $50,000 policy maximum, $250 deductible per policy period and 80/20 co-insurance, $1,000 maximum out of pocket for co-insurance. Suppose you incur covered expenses of $7,250, insurance company will start paying for covered expenses according to policy terms after you make initial payment of chosen deductible, $250.

Denial of Claim

Refusal by an insurance company to honor a request by an insured (or his/her healthcare provider) to pay for healthcare services. This would usually be due to pre-existing conditions.


Any dental expenses whether it is routine checkup or preventive services, services due to urgent relief of tooth pain, constructive services (bridge, crown etc.), orthodontic services (braces etc.), periodontal services.

Dental - Accidental Related Emergency

Benefit payable in case of accidental damage to sound natural teeth.

Dental - Acute, Unexpected Pain

Benefit payable in case of an acute and unexpected pain in an emergency. This benefit should not be considered as dental insurance. If you need a dental plan, they are available on this web site under 'Dental' section.

Diagnostic X-ray

Diagnostic X-ray - is a photographic technique which is helpful in allowing your physician to see structures inside your body and achieve a better understanding of how efficiently they are performing. The X-rays will be reviewed by a radiologist (a doctor specializing in interpreting X-rays) and discussed with your physician for diagnosis.

Durable Medical Equipment

Durable Medical Equipment includes devices, controls, or appliances specified in the plan of care that enable the beneficiary to increase their ability to perform activities of daily living, or to perceive, control or communicate with the environment in which they live. This includes items necessary for life support, ancillary supplies and equipment necessary for the proper functioning of such items.

e.g., wheelchairs, crutches, etc.


Echocardiography is a diagnostic test which uses ultrasound waves to make images of the heart chambers, valves and surrounding structures. It can measure cardiac output and is a sensitive test for inflammation around the heart (pericarditis). It can also be used to detect abnormal anatomy or infections of the heart valves.

Emergency Cash Transfer

Assistance in coordinating an emergency cash advance.

Emergency Medical Evacuation

Evacuation coverage for medical emergencies to the nearest qualified medical facility, or the country of residence as determined by the insurance company; coverage may include expenses for reasonable travel and accommodations resulting from the evacuation; as well as the cost of returning to either the country of residence or the country where the evacuation occurred, up to the maximum limit.

Please note that there is NO medical coverage in this benefit, just the transportation.

Emergency Reunion

Emergency reunion coverage for certain maximum amount, and for certain maximum duration such as 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation: generally either the cost of accompanying the insured during the evacuation or traveling from the country of residence to be reunited with the insured.

Emergency Room Visit

Visit to an emergency room. It is considered such when you go to the hospital emergency room, and you come back the same day and you are not admitted into the hospital and you are not utilizing hospital room and board.


Endoscopy is a broad term used to describe the examination of the inside body using a lighted, flexible instrument called an endoscope. In general, an endoscope is introduced into the body through a natural opening like the mouth or anus. Although endoscopy can include examination of other organs, the most common endoscopic procedures evaluate the esophagus (swallowing tube), stomach, and portions of the intestine.


Healthcare services not covered by an insured's health insurance policy. This would usually be due to pre-existing conditions or due to the limitation of the insurance plan.

Extended Care Facility

Also called skilled nursing.

An institution, or a distinct part of an institution, which is licensed as a Hospital, Extended Care Facility or rehabilitation facility by the state or country in which it operates; and is regularly engaged in providing 24-hour skilled nursing care under the regular supervision of a Physician and the direct supervision of a Registered Nurse, and maintains a daily record on each patient, provides each patient with a planned program of observation prescribed by a Physician, and provides each patient with active Treatment of an Illness or Injury. Extended Care Facility does not include a facility primarily for rest, the aged, Substance Abuse, Custodial Care, nursing care, care of Mental or Nervous Disorders or the mentally incompetent.

Family Friendly

Insurance plans normally charge premium for every insured person.

However, certain plans provide coverage to a child under a certain age (such up to 9 years, or up to 16 years, depending upon the plan) for each parent insured under the same policy.

Such plans usually allow maximum 2 children free.

Flight Accident

You are covered for the amount purchased for accidental death, dismemberment or loss of sight as the result of an accident while a passenger on a regularly scheduled airline flight (and in several other situations also, please see brochure of each policy for details).

100% benefit paid for loss of life, loss of both limbs, loss of sight in both eyes, loss of one limb and sight from one eye.

50% benefit paid for loss of limb, loss of sight in one eye.

Flight Accident AD&D

Typically an optional benefit, covering the amount purchased in the case of an accidental death, dismemberment or loss of sight as the result of an accident while a passenger on a regularly scheduled airline flight, and several other situations as well. Please see certificate wording for details.


Procedure of using a flexible, lighted instrument that is put through the mouth and down the esophagus to view the stomach. Tissue from the stomach can also be removed through the gastroscope.

Geographic Restrictions

Insurance plans may be restricted based on the circumstances of the person to be covered. Eligibility may vary based on the Citizenship Country, Residence Country, Residence State, Mailing Address, Destination Country, and so on.

Please review the geographic restrictions carefully to make sure that you are eligible for the plan you are considering purchasing.

Hazardous Sports Coverage

Coverage for injuries incurred during amateur athletic activities which are non-contact and engaged in by an insured person solely for leisure, recreation, entertainment or fitness purposes. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition.

Herbal Therapy

The use of plants or plant extracts for medicinal purposes (especially plants that are not part of the normal diet).

Home Nursing Care (Home Health Care)

Services, provided by a Home Health Care Agency and supervised by a Registered Nurse, which are directed toward the personal care of a patient, provided always that such care is in lieu of Medically Necessary Inpatient care.

Hospice Care

Care given in an institution which operates as a hospice; and is licensed by the state or country in which it operates; and operates primarily for the reception, care and palliative control of pain for terminally ill persons who have, as certified by a Physician, a life expectancy of not more than six (6) months.

Hospital Indemnity

If you are hospitalized while traveling, and the hospitalization is considered a Covered Expense, the program will pay fixed amount (such as $100 or $50) for each night spent in the hospital, and this benefit is in addition to any other covered expenses in the insurance policy.


Cost of room and board in the hospital while receiving treatment as in-patient. In most plans, this benefit applies for average semi-private room expenses. This includes other miscellaneous expenses as well such as inpatient drugs, bandages, x-rays or other tests.

Hospital Room and Board

Cost of room and board in the hospital while receiving treatment as in-patient. In most plans, this benefit applies for average semi-private room expenses. In scheduled benefit plans, plan pays a daily set maximum limit for hospital room and board including miscellaneous services such as bandages and other supplies.

Hotel Overbooking

The Insurer will also pay up to specified amount in additional expenses per room for one night's lodging for each room guaranteed or confirmed through the Insured's Travel Agent that is oversold if the Insured's hotel is unable to provide reasonable, alternative accommodations.

ID Theft Protection

Assistance service provided when your identity has been compromised while traveling on your vacation.

Individual Policy

An insurance policy (life, health, or disability) that provides coverage for an individual person (and, in some cases, his/her immediate family members), as opposed to a group policy that provides coverage for a group of individuals such as coverage through an employer.

Initial Orthopedic Prosthesis/ Brace

Braces and appliances: 1) when prescribed by a Physician; and 2) a written prescription accompanies the claim when submitted. Replacement braces and appliances are not covered. Braces and appliances include durable, medical equipment which is equipment that: 1) is primarily and customarily used to serve a medical purpose; 2) can withstand repeated use; and 3) generally is not useful to a person in absence of injury or sickness. No benefits will be paid for rental charges in excess of purchase price.

Inpatient Labs/X-rays

Cost of lab tests and x-rays when you are hospitalized (inpatient).


Person that purchases the insurance policy or enrolls into the insurance plan.

Intensive Care Unit

A Cardiac Care Unit or other unit or area of a Hospital that meets the required standards of the Joint Commission on Accreditation of Healthcare Organizations for Special Care Units.


Coverage for lab test (blood, test, urine test etc.) and x-rays, whether taken at doctor′s office and sent in for testing or preformed at a free standing laboratory(such as LabCorp or Quest).

Lifetime Maximum

Maximum amount of eligible medical expenses that the insurance company will pay during the entire term of the insurance policy.

Live Messaging

Relay of e-mail or phone message to family, friends, or business associates.


24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more!

Local Ambulance

Cost of local ambulance to transport the insured to the nearest medical facility where adequate care can be given. Some policies do not cover ambulance expenses if the insured is not immediately hospitalized after using the ambulance. Please read the brochure and policy for complete information.

Lost Luggage

This benefit will be paid in the event that the common carrier permanently loses an insured person's checked luggage. This coverage is secondary to any other available coverage, including the carrier's.

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Magnetic Therapy

Magnetic therapy involves the use of a magnetic device placed on or near the body to relieve pain and facilitate healing. Many different types of magnetic products are available in the market today that can be taped to the skin, worn as jewelry or in your shoes, or slept on as pillows and mattresses. Many people try this in arthritis, insomnia, carpal tunnel syndrome, and fractures. It is believed that it has a profound effect on the body in relieving pain.

Massage Therapy

The manipulation of muscle and connective tissue to enhance the function of those tissues and promote relaxation and well-being. Therapeutic massage can ease tension and reduce pain. Massage can be a part of physical therapy or practiced on its own. It can also be highly effective for reducing the symptoms of arthritis, back pain, carpal tunnel syndrome, and other disorders of the muscles and/or nervous system.


Coverage for medical expenses for pregnancy such as: routine check ups, sonogram, baby delivery and post-natal care.

Maximum Trip Length

Most people go on trips for a short duration for few days or up to a couple of weeks. However, some people take a much longer trip.

Most travel insurance plans usually provide a flat price for any trip up to 30 or 31 days, depending upon the age and the trip cost. Therefore, whether your trip is for 3 days or 23 days, you pay the same price.

If your trip is longer than 30 or 31 days, travel insurance plans usually charge either a daily price, or a price in terms of percentage of trip cost or depending upon your age or various such combinations.

In any case, all travel insurance plans have a maximum trip length beyond this duration they will not provide the coverage.

Mental/Nervous care

Nervous and mental treatment is the care of patients with acute, treatable, and reversible psychiatric illness or with acute exacerbation of a chronic psychiatric condition.

Missed Connection

Missed connection coverage reimburses you for unused pre-paid expenses and other reasonable accommodation or meal expenses incurred when connections to a flight, tour, or cruise departure are missed due to covered reasons.

Some examples of covered reasons include:

  • Missing a connecting flight
  • Tour or cruise departure due to the initial flight being delayed
  • A traffic accident that occurs while en route to the point of departure on the scheduled departure day
  • Documented severe weather prevents travel to the point of departure

MRI: Magnetic Resonance Imaging

A special radiology technique designed to image internal structures of the body using magnetism, radio waves, and a computer to produce the images of body structures. In magnetic resonance imaging (MRI), the scanner is a tube surrounded by a giant circular magnet. The patient is placed on a moveable bed that is inserted into the magnet. The magnet creates a strong magnetic field that aligns the protons of hydrogen atoms, which are then exposed to a beam of radio waves. This spins the various protons of the body, and they produce a faint signal that is detected by the receiver portion of the MRI scanner. A computer processes the receiver information, and an image is produced. The image and resolution is quite detailed and can detect tiny changes of structures within the body, particularly in the soft tissue, brain and spinal cord, abdomen and joints.

Natural Disaster Benefit

In the event of natural disaster (hurricane, flood, tornado, tsunami, etc.), insurance plan will cover up to a certain amount per day and up to certain number of days if you are displaced from your planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart your destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.

New Born Care

Coverage for treatment of new born baby.

Non-Medical Evacuation

Non-medical evacuation makes transportation arrangements to take you to a safer place in case of a natural disaster (such as earthquake, tsunami, hurricane, mudslide or similar geological disasters) or civil or political unrest.

Your claim must be substantiated by a report from an appropriate authority confirming that it was unsafe and unacceptable for you to stay in your current accommodations.

Out of Pocket Maximum

Maximum amount of money to be paid out of pocket in terms of co-insurance. e.g., if the co-insurance is 80/20 for first $5,000, out of pocket maximum is $1,000 (20% of $5,000).

Out of pocket maximum does not include deductible, as it is in addition to the deductible.

Once out of pocket maximum is paid, plan pays 100% up to the policy maximum for eligible medical expenses.

Outpatient Lab Tests

Any lab test that is done on an outpatient basis, i.e., when you are not hospitalized.

Outpatient Surgery

Surgery that is performed without getting admitted into the hospital. You get surgery done, rest for a while and go home, without actually staying in the hospital overnight.

Surgical treatment would be medical treatment from a physician or surgeon, or in a hospital as it relates to surgical care.

Outpatient Surgical Facility

Outpatient surgical facility is used in connection with outpatient day surgery; excluding non-scheduled surgery, and a surgery performed in a hospital emergency room, trauma center, physician's office, or clinic. Benefits will be paid for services and supplies such as: the cost of operating room, laboratory tests and x-ray examinations including professional fees, anesthesia, drugs or medicines, therapeutic services and supplies.

Outpatient Treatment

Any treatment received while NOT admitted into the hospital. It could be doctor's office visits, outpatient surgery or many other things.

Outpatient X-rays

Any x-ray that is taken on an outpatient basis, i.e., when you are not hospitalized.

Personal Liability

Personal Liability is a benefit that provides coverage to a third person in case of accidental injury and/or death, loss or damage to material property if the insured person is legally liable for the accidental injury and/or death, loss or damage. This benefit may be included in a plan or it is an optional coverage (called a rider) that needs to be added when purchasing a plan.

Pet Care Home Alone

The Insurer will pay the Insured up to $25 per day up to a maximum of $200 in total for any one claim to cover additional boarding fees incurred after the first 24 hours of the Insured's delayed return from his/her trip due to in-patient treatment overseas and as a result the Insured's pet exceeding a pre-booked period of accommodation within a recognized Boarding Kennel, Cattery, or Animal Shelter. The Insurer will not pay for the following in addition to the General Exclusions: 1) Claims which are not substantiated by a written report from the Boarding Kennel, Cattery, or Animal Shelter. 2) Any fees incurred in the first 24 hours or which did not form part of the original pre-booked duration for the Insured's pet.

Pharmacy Drug Card

Pharmacy Drug Discount Plan provides value added benefit. It is accepted at many chain pharmacies. It allows members to purchase prescriptions at the lowest cost available. It has no pre-existing conditions exclusion clause.

Physical Therapy

Treatment of injury and disease by mechanical means, as heat, light, exercise, and massage.

Physician Visit

Visit to a physician's office can take place in a private practice, urgent care, or in a hospital. For example, if the physician is physically located in the hospital and is working independently, the visit will be considered an office visit and not part of a hospital visit.

Policy Duration

Duration of policy for which the purchase can be done. Some policies can be purchased only in the multiples of months, while some policies can be purchased in multiples of 15 days. There are also some policies which can be purchased in multiples of days, with a minimum policy duration such as 5, 10 or 15 days.

Policy Maximum

Maximum amount of money that the insurance company will pay for covered expenses. Policy maximum can be either per policy period, per year, lifetime or per injury/sickness depending upon the insurance policy you purchase.

When a range of policy maximum is displayed in the quoting engine, it is simply for the purpose of quoting various insurance plans that have policy maximums that fall within that range. Policy maximum range is used to filter out the plans that do not fall within the range you are looking for and to be able to compare various insurance plans that fall within that range. It does not mean that all the displayed plans provide the highest amount of coverage mentioned in the policy range. It also does not mean that you will find a policy maximum that exactly matches the policy maximum that you may have in mind.

E.g., if you choose a policy maximum range from $200,000 to $300,000, the quoting engine will show various plans within that range, such as $200,000, $250,000, $300,000 or whatever other policy maximums are available. And such policy maximum amounts are mentioned next to each product when you see the quotes and therefore, you will know the exact policy maximum you are getting quoted for. All policies in that range do NOT provide coverage for $300,000. Also, available policy maximum amounts are set by each insurance company. Therefore, if you wanted a policy maximum of $231,462, for example, no such plan is available.

Pre-admission Tests

Pre-admission tests would be tests ordered by a physician prior to and related to the admission of the insured to a hospital confinement. e.g., complete blood count, urinalysis and chest x-ray. If otherwise payable under the policy, major diagnostic procedures such as: CT Scan, NMR's and blood chemistries will be paid under the "Hospital Miscellaneous" benefit.


Each proposed hospital admission and inpatient or outpatient surgery must be Precertified for medical necessity, which means the insured person or their attending physician must call the number listed on the insurance identification card prior to admittance to a hospital or performance of a surgery. In case of an Emergency Admission, the Precertification call must be made within 48 hours of the admissions, or as soon as reasonably possible. If a hospital admission or a surgery is not Precertified, eligible claims and expenses would be reduced by certain percentages such as 20%, 50% that varies by insurance plan. Precertification is not an assurance of coverage, a verification of benefits, or a guarantee of payment. All medical expenses must meet usual, reasonable, customary, and eligible payment guidelines.

Pre-Existing Conditions

A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that existed at the time of application or during the past duration (specified by each insurance plan) prior to the effective date of the insurance, including any subsequent, chronic or recurring complications or consequences related thereto or arising there from.

Chronic diseases such as diabetes, heart disease or blood pressure are always considered to be existing currently and they are never covered if you have previous history of those diseases, no matter what the pre-existing condition exclusion period written in any policy.

Some plans provide very limited coverage for sudden and acute re-occurrences of pre-existing conditions.

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Pre-Existing Conditions Exclusion Waiver

Travel insurance plans normally exclude claims arising from pre-existing medical conditions.

However, certain plans could include an Exclusion Waiver to cover pre-existing conditions if you buy the insurance within a certain number of days (typically 7 to 30 days, depending on the plan) of your initial trip deposit.

There may be other restrictions as well.

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Pre-Existing Conditions Lookback Period

Lookback period is a duration (typically 60 to 90 days, depending on the plan) prior to the travel insurance effective date. If you had a change to your prescription medications, had any symptoms and/or were treated during the lookback period, those medical conditions would normally be excluded as pre-existing conditions.

However, if you were medically stable during the lookback period those conditions would not be considered pre-existing conditions and generally be covered.


Amount you pay to purchase medical insurance plan. Premium may be paid monthly, quarterly, semi-annually, annually or for entire duration of the coverage depending upon the insurance policy you purchase.

Prescription Drugs

Any medicine that the physician prescribes and not available without prescription. It does not include over the counter medicines such as Tylenol, Aleeve, etc.

Preventive Care

A physician or other medical professional who serves as a group member's first contact with a plan's healthcare system. Also known as a primary care physician, personal care physician, or personal care provider.

Primary Care

A physician or other medical professional who serves as a group member's first contact with a plan's healthcare system. Also known as a primary care physician, personal care physician, or personal care provider.


Insurance plans may provide one or more benefits. Depending upon the benefit, the coverage may be primary or secondary to any other policy.

Primary coverage will provide the coverage irrespective of any other insurance you have. Secondary coverage will provide the coverage in excess of the primary coverage or for items not covered by the primary coverage.

However, if there is no primary coverage, secondary coverage becomes primary coverage.

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Private Duty Nurse

A nurse who is not a member of a hospital staff but is called upon to take special care of an individual patient.

These services are meant only for private duty nursing care, while hospital confined, ordered by a licensed physician and a medical necessity. General nursing care provided by the hospital is not included under this benefit.

Professional Services Related to Inpatient Maternity Expenses

Any doctor visits from the women's personal doctor while in the hospital.

Prosthetic Devices

An artificial substitute for a missing part of the body of humans or other animals is called a prosthetic device, or prosthesis. Prosthetic devices include artificial hands, limbs, eyes, ears, as well as replacement materials for the heart, kidneys, skin, and blood.


A psychiatrist is a physician who specializes in the diagnosis, treatment, and prevention of mental illnesses and substance abuse disorders. It takes many years of education and training to become a psychiatrist: He or she must graduate from college and then medical school, and go on to complete four years of residency training in the field of psychiatry. (Many psychiatrists undergo additional training so that they can further specialize in such areas as child and adolescent psychiatry, geriatric psychiatry, forensic psychiatry, psychopharmacology, and/or psychoanalysis.) This extensive medical training enables the psychiatrist to understand the body's functions and the complex relationship between emotional illness and other medical illnesses. The psychiatrist is thus the mental health professional and physician best qualified to distinguish between physical and psychological causes of both mental and physical distress.

Radiation Therapy

The use of high-energy rays to damage cancer cells, stopping them from growing and dividing. Like surgery, radiation therapy is a local treatment that affects cancer cells only in the treated area.

Radiation can come from a machine (external radiation or from a small container of radioactive material implanted directly into or near the tumor (internal radiation). Some patients receive both kinds of radiation therapy. External radiation therapy is usually given on an outpatient basis in a hospital or clinic, five days a week for several weeks. Patients are not radioactive during or after the treatment. For internal radiation therapy, the patient stays in the hospital for a few days. The implant may be temporary or permanent. Because the level of radiation is highest during the hospital stay, patients may not be able to have visitors, or may have visitors only for a short time. Once an implant is removed, there is no radioactivity in the body. The amount of radiation in a permanent implant goes down to a safe level before the patient leaves the hospital.

Side effects of radiation therapy depend on the treatment dose and the part of the body that is treated. The most common side effects are tiredness, skin reactions (such as a rash or redness) in the treated area, and loss of appetite. Radiation therapy can cause inflammation of tissues and organs in and around the body site radiated. Radiation therapy can also cause a decrease in the number of white blood cells. Although the side effects of radiation therapy can be unpleasant, they can usually be treated or controlled. It also helps to know that, in most cases, they are not permanent.


If some insurance policies are purchased for at least certain duration at a time, they are renewable. Please note that this is renewal of policy and NOT a new policy. That means that if something happens in the previous policy period, it will not be considered as a pre-existing condition. While if you take a new policy, it will be considered as a pre-existing condition. Thus renewability is a big advantage. If you purchase a new policy, new deductible, co-insurance, etc. may apply again and that varies by each policy. Please refer to the brochure for specific details.

There are some policies which are renewable for certain duration at a time if purchased online and renewable for a larger duration at a time for paper applications. (e.g., Inbound USA is renewable every 5 days if purchased online while it is renewable every 3 months if paper application is made.)

Insurance company (or administrator) may charge administrative fees such as $5 or $10 every time the policy is renewed. And if you forget to renew it even once, even by one day, the policy will expire and you will have to make a new purchase. In other words, it is not automatic renewal. You have to explicitly renew it every time.

Rental Vehicle Coverage

Many travel insurance plans provide rental vehicle coverage at no additional charge. Some plans provide this optional coverage at an additional price.

Rental vehicle coverage provides coverage for physical loss or damage to a rental vehicle during a covered trip. It generally does not provide liability coverage for damage to any other vehicle, property or people.

Certain vehicles are usually excluded and you would need to file a report with the police and the rental car company.

Repatriation of Remains

If a covered illness/injury results in a death, expenses for repatriation of bodily remains or ashes to the country of residence.

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Return of Minor Children

If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) of age 19 or under that otherwise would be left unattended, the cost of one way economy fare to their home country, usually up to some reasonable maximum amount.

Sickness Medical Expense

Covered expenses incurred as a result of a Sickness which manifests itself during the Covered Trip.

Specialist Visit

An office to the physician who specializes in a certain medical field. e.g. Oncologist specializes in the field of cancer, ophthalmologist specializes in the field of eye, dermatologist specializes in the field of skin.

Sports Equipment & Fees

Some travel insurance plans provide coverage for loss or delay of sport equipment as well as the pre-paid trip costs for sports activities that were non-refundable due to cancellation or interruption.

Some plans will provide coverage for the reasonable cost of renting sports equipment if while on a covered trip, your checked sports equipment is lost, stolen, damaged or delayed by a common carrier (airline, cruise line, etc.) at least for a certain number of hours (depending upon plan).

Sports Injuries

Injuries while playing amateur sports.

Substance Abuse

Substance abuse is overindulgence in and dependence on a psychoactive leading to effects that are detrimental to the individual's physical health or mental health, or the welfare of others.

Substance abuse is sometimes used as a synonym for drug abuse, drug addiction, and chemical dependency, but actually refers to the use of substances in a manner outside sociocultural conventions.

Supplemental Accident

Supplemental accident coverage plans cover accidental injuries. As it is not subject to deductible and coinsurance, it provides first dollar coverage. This can be especially very useful for someone with small kids who end up getting minor injuries and need medical care.

Please note that irrespective of whether supplemental accident coverage is offered or not, you are still covered for accidents. This supplemental accident is just additional coverage with no deductible or coinsurance.


An invasive diagnostic or surgical procedure; or the treatment of illness or injury by manual or instrumental operations performed by a physician while the patient is under general or local anesthesia.

Surgical treatment would be medical treatment from a physician or surgeon, or in a hospital as it relates to surgical care.

Surgical Invention Consultation

A consultation from a surgeon prior to surgery. For example, an insured is in the emergency room, having extreme abdominal pain. A surgeon would then be consulted, and he would decide whether or not a surgery needs to be performed.

Term life insurance

Term life is an insurance in which if you die during the term of the insurance while insurance is effective, your beneficiary gets the death benefit. If you don't die during the term, there is no refund or any money back to you at the end of the term.

Therapeutic Abortion

The willful termination of a pregnancy determined to be medically necessary for the wellbeing of the mother.


The grafting of a tissue from one place to another. The transplanting of tissue can be from one part of the patient to another (autologous transplantation), as in the case of a skin graft using the patient's own skin; or from one patient to another (allogenic transplantation), as in the case of transplanting a donor kidney into a recipient.

Travel Delay

Insurer will reimburse reasonable additional expenses incurred; there is a daily limit up to the maximum limit shown in the schedule of benefits, if the insured's trip is delayed for more than a certain number of hours. Coverage stops when travel becomes possible again and incurred expenses must be accompanied by receipts.

Generally travel delay must be caused by a reason listed in trip cancellation, trip interruption, or due to: (a) carrier delay; (b) lost or stolen passport, travel documents, or money; (c) quarantine; (d) Natural Disaster; (e) Injury or Sickness of the Insured or Traveling Companion. The insured must contact the insurance company as soon as the insured knows his/her trip is going to be delayed more than the number of hours specified in the schedule of benefits. Failure to do so may affect coverage.

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Travel Document Replacement

Replacement of lost travel documents such as passport.

Trip Cancellation

The insurer will pay this benefit up to the maximum limit shown on the schedule of benefits if a trip is delayed, cancelled, or interrupted due to any of the unforeseen covered reasons.

Common reasons include sickness, injury, or death of an insured or immediate family member, termination of employment, military duty, insured's principal residence or destination being made uninhabitable by fire, flood or vandalism, etc. Please check the plan brochure for a list of all reasons as they differ in various plans.

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Trip Interruption

If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured's principal residence, many plans would pay for the return of the insured to their area of principal residence. Most plans usually pay for one-way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket.

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Urgent Care

Urgent care is treatment for an illness or injury that does not pose an immediate, serious health threat or would not result in further disability or death if not treated immediately, but require prompt attention and have the potential to develop such a threat if treatment is delayed longer than 24 hours. In other words, urgent care is the delivery of ambulatory care in a facility dedicated to the delivery of unscheduled, walk-in care outside of a hospital emergency department.

Vehicle Accident

Unintentional damaging event involving automobiles.

Vitamin Therapy

The use of vitamins to prevent or cure disease. Many physicians are now recognizing the beneficial uses of anti-oxidant and other vitamins for a wide variety of conditions, often as a complementary therapy to accompany medication or other treatments. One variant on this theme, megavitamin therapy, is still rather controversial. Always consult your doctor before adding vitamin supplements to your health regimen.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling 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.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going 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.

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Are 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.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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