Overseas Visitors Insurance^SM by Azimuth Risk Solutions

Overseas Visitors medical insurance is a popular comprehensive coverage visitors insurance plan that uses the UnitedHealthcare PPO network. This is a private product created exclusively by VisitorsInsurance.com that has many travel health benefits including acute onset of a pre-existing condition benefit without a chronic restriction. This is one of the most popular international medical insurance plans for overseas visitors on the market today.

Overseas Visitors Insurance is a comprehensive plan that is designed to cover a new sickness or illness that occurs after the policy has started. That includes urgent care, doctor visits, labs, emergency room, surgery, and hospitalization as examples. Overseas Visitors Insurance is an International Medical Insurance for travelers traveling outside of their home country.

Pre-existing conditions are not covered under Overseas Visitors Insurance plan, however this plan does cover acute onset a of a pre-existing condition. You can see the full definition below.

Acute Onset of Pre-existing Condition prior to age 79 – Plan- A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000 and Plan C: Ages up to 69: Up to the medical maximum. $25,000 maximum per emergency medical evacuation related to an acute onset of a preexisting condition

Definition: The sudden and unexpected outbreak or reoccurrence of a Pre-existing Condition(s), which occurs Unexpectedly and without advance warning either in the form of Physician recommendation or symptoms (which would have caused a prudent person to seek medical advice, attention or treatment), is short in duration, is rapidly progressive and requires urgent care. e Sudden Onset of a Pre-existing Condition(s) must occur an er the Effective Date of Coverage or Effective Date of insurance. Treatment for the Sudden Onset of a Pre-existing Condition must be obtained within Twenty- Four (24) hours of the sudden and unexpected outbreak or reoccurrence. A Pre-existing Condition that is a Congenital condition or that gradually gets worse over time will not be considered a "Sudden Onset of a Pre-existing Condition”. e Sudden Onset of a Pre- existing Condition does not include coverage for known, scheduled, required, or expected medical care, drugs or Treatment existent or necessary prior to the Effective Date of Coverage or Effective Date of Insurance. e Sudden Onset of a Pre-existing Condition does not include treatment an er the initial stabilization of a covered or eligible bene t for “Sudden Onset of a Pre-existing Condition".

Overseas Visitors Insurance can be purchased online at VisitorsInsurance.com. Once you fill out the application online and proceed with payment, the coverage documents will be emailed to you withing 15 minutes. This will include the ID card, Declaration Page, Schedule of Benefits and full policy wording for your reference. We will also share the PPO link for UnitedHealthcare with your confirmation email.

To make a claim, you will need to file the claim with the insurance company, Azimuth Risk Solutions. You can find all the claims details with your policy documents that will be emailed over to you.

There is no waiting period when purchasing Overseas Visitors Insurance. The earliest you can start the policy is next day. Overseas visitors health covers you for a new sickness or illness that occurs after the policy has started.

Yes, you can renew your Overseas Visitors Insurance policy. The minimum extension period is 5 days. This can be done via your client zone from Azimuth Risk Solutions.

For cancellation, if you cancel before the effective date, you will be issued a full refund on your original form of payment. If you cancel once the policy has started, the insurance company will issue a pro-rated refund minus a $25 cancellation fee. Policies can only be cancelled if the policy hasn’t been used. If the policy has been used during the policy period, the premium is earned and no refund will be issued as the insurance company will be responsible for a potential claim.

Overseas Visitors Insurance is a visitors health insurance policy. This is medical insurance for overseas visitors. Travel insurance plans can either be health insurance plans or trip protection plans. This does vary per plan type. Please give us a call so we can further assist you.

If you need assistance, you can reach out to the insurance company directly. All their information will be listed on your ID card and policy documents that will be issued to you.