Overseas Visitors Insurance – What to Know - Benefits, Plan Details & More

Overseas Visitors Health Insurance (OVI) is one of the most popular comprehensive insurance plans for visitors on the market that provides short-term health insurance. If visiting the U.S.A., the plan provides benefits to foreign nationals (Parents and relatives), including international visitors, or temporary residents, subject to the terms and conditions of the certificate of coverage. OVI is a popular travel insurance for non-U.S. citizens traveling outside of their home country Including USA and Canada. Overseas Visitors Insurance offers 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. This plan uses the United Healthcare PPO Network.

OVERSEAS VISITORS INSURANCE^SM

• • $35 Dr. Office/Urgent Care co-pay with three co-insurance options
  • Deductible options: $100; $250; $500; $1,000; $2,500
  • United Healthcare National PPO network
  • Policy Maximums: $25,000 to $500,000 up to age 69 & $100,000 for age 70-79
  • Acute Onset of a Pre-existing Condition without a Chronic Restriction.
  • 3 Coinsurance Options including Plan A & C covers 90% up to first $5,000 and thereafter 100% up to Policy max, Plan B covers 100% in PPO up to the policy max
  • Plan A & Plan B covers Acute Onset of a pre-existing condition up to age 79 and Plan C covers condition up to age 69
  • Covid-19 / Coronavirus benefit of $100,000 has been added to new policies
  • Emergency Quarantine Indemnity- COVID-19 is now included with all Beacon Travel Medical policies for up to 10 days

See the benefit definition details below for acute onset of a pre-existing condition coverage for Overseas Visitors Insurance. What’s unique about this plan is that it offers acute onset of a pre-existing condition coverage without a chronic restriction. Most insurance carriers that offer acute onset of a pre-existing condition benefit will have both a chronic and congenital restriction within the benefit. The acute onset benefit on Overseas Visitors Insurance does cover chronic pre-existing condition coverage including conditions like diabetes, high blood pressure, and heart condition.

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 benefit for “Sudden Onset of a Pre-existing Condition".

When applying, for a Visitors Insurance plan, you will need to select the traveler’s travel dates, we recommend choosing these dates based on their arrival and departure date to include travel in transit to and from their home country. You will also need to provide their full name on their passport, date of birth, home country address, billing address and payment details to complete the application online. Once submitted, you will receive one email confirmation directly from Azimuth Risk Solutions with your enrollment details where you can download your documents including ID Card, Declaration Page, and Certificate/Policy Wording and Visa. VisitorsInsurance.com, will also download your documents and share the PPO link in a separate confirmation via email.