You'll receive your insurance card and visa letter within 24 hours of purchase, delivered directly to your email. Often it is sent immediately. We do not ask for health documents or pre-existing conditions. You're covered within 24 hours of purchase.

A deductible is the amount you are required to pay out-of-pocket for covered healthcare services before your insurance plan starts to contribute. In this plan, the deductible is $100 per individual or $200 per family for in-network care, and $200 per individual or $400 per family for out-of-network care. Once you’ve met the deductible, the insurance covers the remaining costs according to the policy terms.

Coinsurance is the percentage of medical costs you share with your insurance company after meeting your deductible. In our plan, for in-network care, the insurance covers 80% of the costs, leaving you responsible for the remaining 20%. For out-of-network care, the insurance covers 60%, meaning you will cover 40%. For international care (outside of your home country), the plan covers 100%, requiring no coinsurance from you.

Important Note: Your coinsurance and out-of-pocket costs will never exceed the policy’s annual maximum of $5,000 (the maximum amount you will ever pay for health insurance services, in-network). This cap ensures that you are protected from excessive healthcare costs, providing peace of mind in the event of major medical expenses.

Why This Matters: With such a high policy maximum and competitive coverage terms, this plan is one of the best in the market. It guarantees extensive protection whether you're traveling, studying, or working abroad, making it ideal for anyone needing comprehensive international coverage.

You're fully covered for emergency evacuation up to $100,000, repatriation of remains up to $50,000 and emergency travel (round trip flight for one) to visit a family member who has been hospitalized for more than seven days.

This is the only international policy that offers immediate coverage for pre-existing conditions and sports-related injuries, along with comprehensive global protection up to the annual policy maximum of $500,000.

Yes! You can easily purchase your plan now and select your desired start and end dates for when you need coverage. Whether you're planning ahead for an upcoming trip or a study abroad program, you have full control over when your coverage begins.

Once you’ve made your purchase and selected your dates, we’ll send your insurance card, online portal login details, and visa travel letter directly to your inbox within 24 hours. It’s that simple! You’ll be all set with your documents well in advance, giving you peace of mind before your travels.