Anywhere America

The Anywhere America plan provides limited-benefit per incident travel medical insurance for non-U.S. citizens who live outside the United States and are traveling internationally to visit the U.S. The plan offers per incident policy maximum choices of $25,000, $50,000 or $100,000 as well as per incident deductible choices of $0, $50 and $100. Please see the brochure or plan summary for a list of benefit limits.

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Highlights

  • This is a LIMITED BENEFIT PLAN where the maximum amount paid to the provider is listed on the plan
  • Accident and Sickness Medical Policy Maximum Choices $25,000, $50,000, $100,000
  • Deductible Choices $0, $50, $100
  • COVID-19, SARS-CoV-2 EXPENSES are covered and treated as any other sickness
  • ACUTE ONSET OF A PRE-EXISTING CONDITION up to the policy maximum
  • This plan does not cover Cardiac or Stroke Conditions, Complications and their related expenses.
  • EXAMPLES OF PER INCIDENT LIMITED BENEFITS (varies- view plan details for a complete list of limits)
  • Hospital Room and Board Expenses $1,000 -$1,500 per day to a maximum of 30 days
  • Physician's Surgical Treatment $2,000 - $6,000 per Incident
  • Physician’s Non-Surgical Visits/Urgent Care pays $55-$100 per covered visit
  • Outpatient Surgical Facility $750 - $1,000 per Incident
  • Diagnostic X-rays and Lab Services $450-$750 per Incident
  • Ambulance Service Benefits $500 or $650 per Incident
  • Wellness Visit - covered up to $125 (restrictions apply)
  • Emergency Medical Evacuation $25,000/ Repatriation of Remains $7,500 or $20,000
  • Medically Necessary Repatriation $15,000
  • Local Burial/Cremation $5,000

Eligibility

  • For non U.S. residents and non U.S. citizens, traveling to the USA (50 states) or USA and then other countries
  • For ages 14 days to 69 years
  • Coverage for minimum 5 days to maximum up to 364 days
  • Extendable for up to 364 days total
  • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
  • Rates are based on age, policy maximum and deductible. Coverage ends at age 70.

Benefits of Coverage

Medical

Emergency Accident & Sickness Medical Expense
Per Incident Maximum: $25,000, $50,000 or $100,000. See brochure for a comparison of fixed benefits plan limits.
Deductible
$0, $50 or $100 per Incident
Emergency Room Deductible
$200 Additional deductible per visit – Only applies when receiving care in an Emergency Room for a Sickness that does not result in a direct Hospital Admission
Pre-certification Requirements
Treatments & supplies: 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met/Deductible is taken after reduction/Coinsurance is applied to remainder/Refer to the PRE-CERTIFICATION REQUIREMENTS provision for a complete list of services that require Pre-certification
Acute Onset of a Pre-Existing Condition
Up to the policy maximum
  • To qualify for this benefit the pre-existing condition must: occur spontaneously and without advance warning either in the form of Physician recommendations or symptoms.
  • Is of short duration, is rapidly progressive, requires urgent and immediate medical care.
  • Occur a minimum of 48 hours after your Effective Date.
  • Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence.
  • The Covered Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider.
  • The Covered Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition.
  • The Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment.
  • Any repeat/reoccurrence within the same Period of Insurance will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
  • This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.
  • This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition.
Cardiac Conditions or Stroke
Not Covered
Covid Coverage
Medically Necessary Treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV-2 up to the medical maximum per Period of Insurance
Dental Treatment for Pain to Sound Natural Teeth
$600- $750 Per Incident
Well Doctor Visit
Up to $125 - One Visit per Period of Insurance (restrictions apply)

Emergency Evacuation/Repatriation

Emergency Medical Evacuation
$25,000
Repatriation of Mortal Remains
$7,500 or $20,000 per Period of Insurance
Local Burial/Cremation
$5,000 per Period of Insurance (restrictions apply)
  • Does not cover funeral costs. Make sure to read the Description of Coverage/Policy for full details of coverage. Pre-existing conditions are not covered.
  • Must be approved in advance by the Assistance Provider.

Accidental Death

Accidental Death and Dismemberment
$25,000 - $35,000 Principal Sum

24/7 Assistance

Non Insurance Assistance Services
This is a non-insurance service included by Anywhere Assurance in the plan cost and is not a part of the insurance underwritten by Zurich Insurance Europe AG Belgian branch.
Note: Benefits may vary by state, please refer to your State Specific Certificate of Insurance for full plan details.

Plan Definitions

  • Pre-Existing Condition

    “Pre-Existing Condition”

    means any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, Chronic or recurring complications or consequences related thereto or resulting or arising therefrom.

    Acute Onset of Pre-Existing shall means a sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of a Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective Date, the Covered Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs, or Treatment.

  • ACUTE ONSET OF PRE-EXISTING CONDITION

    ACUTE ONSET OF A PRE-EXISTING CONDITION EXPENSES: Benefits are payable for an Acute Onset of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the Acute Onset Event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Coverage; and 3. treatment is obtained within 24 hours of the sudden and Unexpected outbreak or recurrence.

    Any repeat/reoccurrence within the same Period of Insurance will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility.

    To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Covered Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met.

    At the time of the Acute Onset of a Pre-existing Condition:

    1. Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence.
    2. the Covered Person must be under seventy (70) years of age.
    3. the Covered Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider.
    4. the Covered Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing
    5. the Covered Person must not be traveling during a period of time when the Covered Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended.
    6. the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment.

    the Covered Person must be traveling outside their Habitual Country.

  • CANCELLATION AND REFUND PROCEDURE PROVISIONS

    Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the Coverage. If We receive a written request for cancellation and refund after the Effective Date of Coverage, a partial cancellation and refund may be allowed. The following conditions apply a) If any claims have been filed with Us, the Premium is fully earned and is non-refundable. If no claims have been filed with the Company, then (i) a cancellation fee of US $50 will be charged; and (ii) only unused days b) Premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to Us on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety. Upon effectuation of such cancellation and refund, neither the Company nor the Covered Person shall have any further rights, liabilities, or obligations under this insurance.

  • OPTIONAL EXTENSION PROCEDURES

    An extension notice will be sent to the Covered Person before the Period of Insurance ends and includes links to extend prior to the Termination Date. The Covered Person is subject to the following rules at extension: In order to extend, the Period of Insurance must be initially purchased for a minimum of 5 days. If available, an extension period can be purchased 1. at the premium rate in force at the time of the extension; 2. for a minimum of 5 days; 3. for up to a maximum of 364 days, provided the Covered Person’s Period of Insurance does not exceed 364 days in total. There are no grace periods for extension. Once the coverage has lapsed, reapplication may be allowed provided you meet the ELIGIBILITY requirements. Please note, upon application for a new coverage, the Pre-Existing Condition exclusion, deductible and coinsurance start over. Any person who attains age 90 - while insured, will not be permitted to extend coverage.