USA Guest
The USA Guest Insurance Plan is a short-term travel medical insurance policy designed for foreign nationals visiting the United States or traveling outside their home country. Offering a low-cost schedule of benefits, the plan provides critical protection against unexpected medical expenses and emergencies. Whether you’re visiting family, attending business events, or touring, the USA Guest plan offers coverage ranging from 5 days to 2 years, with the flexibility of renewals for longer stays.
Target Groups for USA Guest
- International visitors to the U.S., including parents, family members, and friends.
- Temporary residents of the U.S. requiring short-term medical coverage.
- Business travelers attending events or meetings in the U.S.
- Tourists exploring the U.S. and Canada.
- Non-U.S. citizens traveling abroad who require temporary health coverage.
USA Guest Overview
Underwritten by certain underwiters at Lloyd’s of London, this plan ensures reliability and financial security, with coverage for inpatient and outpatient care, emergency evacuations, repatriation, and more. It includes benefits for sudden onset of pre-existing conditions for travelers under 69 years of age, giving you peace of mind throughout your journey.
Azimuth Risk Solutions, as the plan administrator, is committed to delivering outstanding customer service and claims assistance. With over 30 years of experience, Azimuth ensures you are supported wherever you travel.
- Flexible Coverage Options:
- The USA Guest plan offers daily rates with various deductible options ($100, $250, $500) and coverage amounts ranging from $55,000 to $110,000, ensuring affordability and customization.
- Comprehensive Benefits:
- The plan covers hospital room and board, outpatient treatments, diagnostic tests, emergency evacuations, repatriation of remains, and even loss of passports or luggage.
- Pre-existing Conditions:
- For travelers under 69 years of age, the plan includes benefits for the sudden onset of pre-existing conditions, with up to $50,000 in coverage, including emergency evacuations.
- Trusted Underwriter:
- Underwritten by Lloyd’s of London, a globally respected insurer rated ‘A’ by AM Best and Standard & Poor’s, the plan guarantees reliability and claim settlement security.
- Convenience and Accessibility:
- Renew your plan easily through Azimuth’s online portal for up to 2 years, and enjoy global assistance with 24/7 customer service, travel advisories, and medical referrals.
Key Benefits of USA Guest
The Meridian Essential & Enhanced plans offer a wide array of benefits to ensure health, security, and flexibility for international travelers and residents. Below is a summary of key benefits and their specifics:
Requirement | USA Guest Coverage |
|---|---|
Coverage Area | International travel, including the U.S. and Canada. |
Maximum Coverage | Up to $110,000, depending on the selected plan. |
Deductibles | $100, $250, or $500 per coverage period. |
Pre-existing Condition Coverage | Up to $50,000 for sudden onset (under age 69). |
Inpatient Care | Up to $110,000 per injury/illness, including room and board, surgeries, and ICU care. |
Outpatient Care | Covers diagnostic tests, outpatient surgeries, physician visits, and prescriptions. |
Emergency Medical Evacuation | Up to $50,000, ensuring swift access to care. |
Repatriation of Remains | Up to $7,500 for return of remains to the home country. |
Travel-Related Benefits | Covers loss of passport, checked luggage, and provides medical referrals. |
*This is only a consolidated and summary description of some of the current Azimuth Risk Solutions benefits, conditions, limitation and exclusions. An Evidence of Insurance containing the terms, conditions and exclusions will be included in the fulfillment kit. Azimuth Risk Solutions reserves the right to issue the most current Evidence of Insurance for this plan in the event this application and/ or brochure has expired, is modified, or is replaced with a newer version. A complete copy of the Master Policy is available at all times upon request.
USA Guest Eligibility
The plan is open to non-U.S. citizens traveling outside their home country, including visits to the U.S. Applicants must be at least 5 days old, with coverage options available for travelers up to 90+ years. Eligibility is contingent upon the individual’s residency at the time of application.
Effective Date Definition
The effective date begins:
- On the start date requested in the application.
- Upon receipt of the completed application and premium payment by Azimuth Risk Solutions.
When Benefits Begin
Coverage starts at 12:01 AM on the effective date listed in the Certificate of Insurance.
Evidence of Insurance
Once enrolled, members will receive a Certificate of Insurance, serving as proof of coverage. This document outlines policy benefits, limitations, and conditions. Members are encouraged to carry this certificate during their travels for easy access to benefits and services.
Frequently Asked Questions
Our FAQs cover common inquiries regarding our insurance services, providing clear answers on insurance processes, fees, security measures, and customer support options to ensure a seamless experience for our users.
Who can purchase the USA Guest plan?
Non-U.S. citizens traveling to or outside their home country, including visitors to the U.S. and Canada.
Does the plan cover pre-existing conditions?
Yes, for travelers under 69 years old, it covers sudden onset of pre-existing conditions up to $50,000, including emergency evacuations.
How do I apply for coverage?
Complete the application and submit it via email, fax, or mail to Azimuth Risk Solutions. You can also apply online through their website.
Can I extend my coverage?
Yes, plans are renewable in monthly increments for up to 2 years, provided there is no break in coverage.
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