Every year, thousands of international visitors to the United States require emergency medical treatment, hospitalization or medical evacuation to their home country.

Most health care facilities in the United States are privately owned and medical care is very expensive.

Hospital costs can average $2,000 per day, and a major illness or injury could cost you as much as $100,000. Medical evacuation to your home country is also costly. For example, U.S. to Asia can easily cost $90,000.

You will also have to pay for your medical care at the time of treatment unless you have health care insurance coverage acceptable in the United States.

Your present health coverage may not pay for medical expenses in the United States.

Travel insurance issued in a foreign country may not be accepted by doctors and hospitals in the United States or be able to arrange direct claims payment.

Visit USA-HealthCare™ is designed for foreign nationals while in the United States, and is available for up to 12 months. It provides excellent illness and accident expense protection at a low cost.

Visit USA-HealthCare™ will help you find a doctor or hospital and pay for treatment. You pay the deductible and coinsurance.

After you pay the deductible per policy period and 20 percent of the first $5,000 covered medical expenses per incident, the insurance covers 100 percent of most other health care costs (see brief outline of coverages for details).

With Visit USA-HealthCare™ insurance, the possibility of a large, unexpected medical expenses or even being denied medical attention can be avoided.

Depending upon your needs, you can choose from two insurance plans to protect you. The plans differ in their benefit limits. Each plan offers a choice of deductibles.

After reviewing the plan, click the 'Intant Quotes & Purchase' link or 'Paper Application' link towards the top of this web page to enroll online, by fax or by mail. After your application has been processed, you'll receive a confirmation of coverage by mail.

The insurance benefits in this policy are underwritten by The Insurance Company of the State of Pennsylvania, Philadelphia, PA, NAIC # 012-19429, a member of the American International Group of Companies (AIG), which is highly rated for financial strength.

The policy is exclusively administered by Travel Insurance Services, Walnut Creek, CA, a provider of travel/health insurance since 1973.

Emergency assistance is provided by AIGAssist, Houston, TX.

Claims are adjusted by AIG Life Insurance Company, Wilmington, DE.

Visit USA-HealthCare™ is a registered trademark of Travel Insurance Services and is also available through certain insurance agents and brokers throughout the U.S.

This is descriptive text, not a Policy. Upon receipt of your Certificate of Insurance, please read it carefully as it will describe the provisions of the Master Policy which will prevail. Your benefit limits depend upon your choice of coverage Plan A or Plan B, plus your purchase of the Optional Benefits.

If Injury or Illness occurs during the Period of Coverage and you, your insured spouse or dependent children require medical or surgical treatment, the policy will pay, after you pay the selected deductible per period of coverage, 80 percent of all reasonable and customary charges per incident for Covered Expenses up to $5000, then 100 percent up to the maximum amount applicable to the insurance plan selected.

*The Medical Expense Benefit Limit is reduced to $10,000 for Insureds who are age 80+ on the effective date.

Covered Expenses

1. Charges made by a hospital for room and board, floor nursing and other services, including charges for professional services and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the hospital’s average charge for semiprivate room and board accommodation.
2. Charges made for diagnosis, treatment and surgery by a physician.
3. Charges made for the cost and administration of anesthetics.
4. Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment.
5. Charges for physiotherapy, if recommended by a physician for the treatment of a specific disablement and administered by a licensed physiotherapist.
6. Dressings, drugs and medicines that can only be obtained upon a written prescription of a physician or surgeon.

Illness must be contracted and manifest itself, or Injury must occur, during the Period of Coverage. The first expense must be incurred within 30 days of the commencement of covered Injury or Illness. Benefit period is 26 weeks. However, all benefits will cease when an Insured Person arrives in his home country from the United States, or from Incidental Travel (14 days maximum) to Canada, Mexico, or U.S. territories.

If Injury or Illness commencing during the Period of Coverage requires emergency evacuation to either the nearest medical facility where appropriate medical treatment can be obtained, or to the Country of Residence, all expenses incurred are covered up to the maximum benefit selected. An emergency evacuation must be recommended by a legally licensed physician who certifies that the severity of Injury or Illness necessitates such emergency evacuation and agreed to by you or your representative. Arrangements must be made by AIGAssist.

If an Injury occurs during your Period of Coverage and results in one of the following losses within 365 days after an accident, the Policy will pay as follows:

Regarding this Included coverage, “Member” means hand, foot or eye. Only one amount, the largest to which you are entitled, will be paid for all losses resulting from one accident.

If Injury or Illness commencing during the Period of Coverage results in death, all reasonable expenses incurred for preparation and return of the remains to the Country of Residence will be paid up to the maximum selected. Arrangements must be made by AIGAssist.

1. When covered Emergency Medical Evacuation is necessary and the attending physician considers it beneficial for the Insured Person to have a family member join him, the Company will pay for the family member’s economy fare travel and lodging (maximum $5,000).
2. When covered hospitalization of the Insured Person causes accompanying minor child(ren) to be unattended, the Company will pay up to the one way economy fare (maximum $5,000) less the applied value of the child’s/children’s unused travel tickets to their country of origin.

VISIT USA-HEALTHCARE™ includes a special service. You are eligible to use any of these assistance services during the Period of Coverage:

• 24-hour verification of medical coverage for hospitals and physicians.
• 24-hour medical care location service.
• Medical case monitoring, arranging communication between patient, family, physicians, employer, consulate or embassy.
• Emergency medical transportation arrangements.
• Emergency message service for medical situations.
• Multilingual services.
• 24-hour contact for legal emergencies.
• Legal referral, to help you locate a consular official or attorney.

This optional benefit may be purchased in addition to Basic Plan A or Plan B. If the optional benefit is selected and the premium paid in advance of the Period of Coverage, the policy will pay, in addition to Basic Plan limits, as follows:

Regarding this Optional coverage, "Member" means hand, foot or eye. Only one amount, the largest to which you are entitled, will be paid for all losses resulting from one accident.

This optional benefit may be purchased in addition to Basic Plan A or Plan B. If the optional benefit is selected and the premium paid in advance of the Period of Coverage, Medical Expense Coverage will be provided for motorcycling, scuba diving, jet, snow and water skiing, mountain climbing, sky diving, amateur racing, piloting an aircraft, bungee jumping, spelunking, whitewater rafting, surfing or parasailing.

For Medical Expense Benefit, this insurance does NOT cover:

1. Pre-Existing Conditions, defined as any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance.
2. Services, supplies or treatment, including any period of hospital confinement, which are not recommended, approved and certified as necessary and reasonable by a physician, or expenses which are non-medical in nature.
3. Expenses incurred as a result of or in connection with: a) Declared or undeclared war, or any act thereof; b) Injury sustained while participating in professional athletics; c) Intentionally self-inflicted injury, suicide while sane or attempted suicide while insane; d) Motorcycling, scuba diving, jet, snow and water skiing, mountain climbing, sky diving, professional or amateur racing, piloting an aircraft, bungee jumping, spelunking, whitewater rafting, surfing or parasailing; or e) Commission of a felony.
4. Expenses for: a) Pregnancy, childbirth, or miscarriage; b) Routine physicals; c) Cosmetic or plastic surgery, except as the result of an accident; d) Elective surgery; e) Any mental and nervous disorders or rest cures; f) Dental care, except as the result of injury to natural teeth caused by accident; g) Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or contact lenses or for the fitting thereof, unless caused by accidental bodily injury incurred while insured hereunder; h) Alcoholism, drug addiction, or use of any drug or narcotic agent; i) Treatment by the Insured’s Immediate Family; or j) Expenses incurred within the Insured’s home country.
5. Traveling expressly for the purpose of obtaining medical treatment.
6. All coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall apply only when such benefits are exhausted.

Any loss, fatal or non-fatal, caused by or resulting from:

1. Intentionally self-inflicted injury, suicide while sane or attempted suicide while insane;
2. War or any act of war, declared or undeclared, or service in the military, naval or air service of any country;
3. Piloting or acting as a crew member, or riding in any aircraft except as a fare paying passenger on a scheduled airline;
4. Illness, disease, pregancy, childbirth, miscarriage;
5. Any bacterial infection other than one occuring from an accidental cut or wound;
6. Hernia; or
7. The insured being under the influence of drugs (unless taken under the advice of a physician and within the amounts prescribed by a physician) or intoxicants of any type including alcohol.

Any loss fatal or non-fatal caused by or resulting from (a), (b) or (c) above.

Basic Plan Rates

To determine your Visit USA-HealthCare™ rate, choose Plan A or Plan B and a deductible ($250, $500, $1,000) from the chart below.

• Additional Accidental Death & Dismemberment Coverage
• Hazardous Activity Coverage

This will increase your Basic Plan Premium as follows:

Add ONE Optional Benefit - Multiply Basic Plan Premium by 1.20
Add TWO Optional Benefits - Multiply Basic Plan Premium by 1.30

ELIGIBILITY Apply early to begin coverage when you leave your home country. Coverage is available to international visitors who come to the U.S. for pleasure, business or study, and to new immigrants to the U.S.

EFFECTIVE DATTE
Coverage begins at 12:01 a.m. on the latest of:

1. the departure of the Insured Person from his home country for his trip to the United States.
2. the date after the Insured person's complted enrollment form and correct premium are postmarked to Travel Insurance Services; or
3. the requested effective date on the enrollment form.

EXPIRATION DATE
Coverage will terminate on the earliest of:

1. the return of the Insured Person to his home country from his trip to the United States;
2. twelve (12) months after the effective date of coverage; or
3. the requested terminate date on the Insured Person's enrollment form for which premium has been paid.

PROOF OF INSURANCE will be sent by mail to your U.S. address on the Enrollment Form unless otherwise instructed. Correctly completed enrollments are processed and Certificates of Insurance are normally mailed within 1-3 business dayas after receipt. Please keep this brochure for reference.