The USAway Major Medical insurance plan is a medical insurance plan for residents of the United States who temporarily travel abroad.The plan is ideal for short-term visits of U.S. residents who travel abroad.The plan covers up to $5 million, with the deductible ranging from $ 250 to $ 2,500.

Highlights of the plan include nursing and home health care expense coverage, a common accident clause, coverage for return home due to an emergency, accidental death benefit, and home coverage for incidental visits to the United States. Additional benefits which can be purchased include hazardous sports coverage, coverage for acts of war, frequent traveler coverage, and waiver of Cardiac and Cancer Limitations.

The basic benefits of the USAway medical insurance plan include expenses related to hospitalization, physician consultation, ambulance services, skilled nursing, and prescription drugs. The plan holder’s transport back to the United States is also covered if deemed medically necessary. Home health care abroad is covered, if a physician determines that otherwise, the plan holder must be hospitalized. As a sign of the times, injuries arising from a terrorist attack are also covered under the plan.

Patients of previously undetected/undiagnosed cardiac conditions and cancer have limited benefits in the USAway international insurance plan. The maximum benefit payable is $ 25,000, or the cost of stabilizing the plan holder’s condition and sending him home. This exclusion can be waived on payment of an additional premium for the optional coverage.

In the unfortunate event of death, the USAway International Major Medical Plan allows for repatriation of the remains home.Accidental death is also insured for $ 25,000, with double benefits in case of travel in a common carrier.If several covered family members sustain injuries in the same accident, only one deductible and co-insurance will be applied.

If a trip is cancelled due to the death of a family member in the home country or a calamity that destroys the home of the insured, the USAway international insurance plan covers the return of the insured back home. Lost baggage is also covered by the plan. The USAway insurance plan also covers emergency returns home, and incidental trips to the United States during the plan period.

Additional options in the USAway international travel insurance plan include sports and acts of war. For frequent travelers, a special option in the USAway international travel insurance plan allows coverage for a fixed number of days per year.

The USAway International Major Medical Plan can be purchased for up to 12 months, with no possibility of extension after 12 months. The plan’s underwriter is Peterson International Underwriters.

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