Hop TripAssist Plus, members receive top-notch medical assistance for both Acute onset conditions and the worsening of pre-existing conditions.
Stable, chronic pre-existing conditions which worsen during travel are eligible for benefits under the membership, depending on the chosen membership thier, members can enjoy coverage ranging from $150,000 to $300,000.Access expenses is up to $500 for pre-existing conditions.
Hop TripAssist Plus is an exclusive travel assistance membership program that goes above and beyond to provide comprehensive medical and travel support. While the program already offers a wide range of benefits for new sicknesses, accidents, and pre-existing conditions, it now includes coverage for worsening pre-existing conditions, extending its support to members facing health challenges during their travels.
The program's coverage for worsening pre-existing conditions is designed to provide peace of mind. This means that if a member's chronic condition deteriorates while they're away from home, they can count on specialist care, tests, and treatments to manage their health effectively.Depending on the chosen membership tier, members can enjoy coverage ranging from $150,000 to $300,000. This ensures that their medical needs are met in case their pre-existing condition requires immediate attention during their travels.
One of the standout features of Hop TripAssist Plus is Hop Assist, a dedicated service aimed at making the member's experience as seamless as possible. Hop Assist acts as a liaison between the member and in-network healthcare providers, handling claims processing, verifying eligibility, and even organizing emergency evacuation and repatriation services when necessary. This round-the-clock service ensures that members have direct access to prompt claims processing and emergency assistance, accessible from any device, at any time, and from anywhere in the world.
With Hop TripAssist Plus, travel becomes worry-free, as members can rely on comprehensive medical and travel support, including coverage for worsening pre-existing conditions. Hop Assist takes care of all the administrative details, allowing members to focus on their well-being and enjoy their travel experiences to the fullest. Please note that while Hop TripAssist Plus provides extensive travel assistance, it is important to remember that it is a travel assistance membership program and not an insurance product.
Note:Hop! TripAssist Plus is travel assistance membership program, and is not an insurance product.
|Medical Assistance Level via Hop Assist||$150K | $300K|
|Medical Assistance Access Expense||$100, $250, $500, $1,000, $2,500, or $5,000|
|Air Ambulance||$50K (Optional)|
|Commercial Airline (including medical stretcher)||$20K|
|Medical clearances & Fit-to-Fly Assessments||Included|
|Physician, hospital, dental, and vision referrals via Hop Assist||Included|
|Medical Cost containment, expense recovery, and overseas investigation||Included|
|In-Patient / Out-Patient Care Management||Included|
|Arrangement of visitor to bedside||Included|
|Medical Payment Arrangements||Included|
|Medical Bill Audit||Included|
|Shipment of Medical Records||$75|
|Medical Assistance Payment Rate||80% to the Medical Assistance Benefit Chosen|
|Urgent Care Visits||$25 Medical Access Expense|
|Accidental Death andbDismemberment Benefit||$25K|
|Emergency Medical Evacuation Benefit||Up to $15K|
|Repatriation of Remains Benefit||Up to $15K|
|Trip Interruption (Death of Immediate Family Member) (Optional)||Economy Ticket|
|Trip Interruption (Serious Disaster at Home) (Optional)||Economy Ticket|
|Trip Cancellation (up to age 74) (Optional)||Not Covered
|Delay or Cancelled Flight (Optional)||Not Covered
|Missed Connection / Coordination (Optional)||$100
|Baggage Delay / Lost Bag Search (Optional)||$200
|Lost Baggage / Lost Bag Search (Optional)||$300
|Rental vehicle booking||Included|
|Lost Passport & Travel Docs(Optional)||$40
|Emergency Cash Transfer (Optional)||$5K|
|Up-to-the-minute Travel Delay Reports||Included|
|Pre-existing Conditions||The Assistance level for pre-existing conditions is either $150K or $300K depending on the membership you subscribe to. Access expenses is $500 for pre-existing conditions.|
|Malicious product tamper and contamination||Included|
|General travel risk and travel security||Included|
|Assistance in mass public disturbances, violent terrorist, or extremist incidents||Included|
|24/7 point of contact to report emergencies and get security and safety advice from duty managers||Included|
|Assistance in cases of major disasters||Included|
|Emergency political and security evacuations (Optional)||$10K
|Hijacking (any form of conveyance) (Optional)||$10K
|Illegal detention and arrest (Optional)||Included|
|Kidnap for ransom (Optional)||$10K
|Monitoring and telephone advice throughout the crisis||Included|
INF Hop! Travel Assist is an innovative approach to solving for travelers needs while they are visiting a new country. Hop! provide medical assistance for travelers to ensure peace of mind while outside your home country also has benefits for cruise, trip cancellation, pre-existing conditions, and much more!
One of the unique features of Hop! Travel Assist is the guaranteed cashless claims process. This means that if a member uses Hop! assistance services,they don't have to worry about paying out of pocket for medical expenses. Instead, Hop! takes care of everything for them, making it incredibly easy and stress-free to use the program.
Please do note that Hop! requires members to contact Hop Assist within certain times to access benefits. Non-Life-Threatening Medical Assistance requires notification within 7 days of first symptom.
Life-threatening Medical Assistance need to be reported within 48 hours of first symptom. Travel Assistance requires notification within 24 hours of the incident.
There are 6 types of plans in Hop! Travel Assist. There are 5 comprehensive plans Hop Classico, Hop Ultra, Hop Ultra Plus, Hop VIP and Hop VIP plus.
There is also one fixed plan HOP TripAssist Plus travel Assist. There is a minimum purchase of 30 days required to buy these INF HOP plans.
Yes. Hop! plans offers medical Assistance for Pre-Existing Conditions.
Hop! Travel Assist is a travel assistance membership program for international trips, offering 100% payment with no deductible. Hop plans offers Travel, Medical and Security Assistance for travelers traveling worldwide outside their home country.
Hop! Travel Assist is the guaranteed cashless claims process. Hop! has benefits for cruise, trip cancellation, pre-existing conditions, and much more!
Yes. Hop! Travel Assist offers coverage for trip cancellations or interruptions for travelers visiting worldwide outside their home country.
Yes, Green Card holders are eligible to enroll in the INF Plans as long as they maintain a residence outside the US.
The maximum length of coverage for INF insurance is 364 days.
INF insurance is available for international visitors to the United States, Canada or Mexico.
To purchase INF insurance coverage, you must not be a citizen or permanent resident of the host country you are traveling to, ie the US, Mexico, or Canada. The coverage is available for non-U.S. residents and non-U.S. citizens traveling to the United States, Mexico or Canada between the ages of 14 days and 79 years. US green card holders can buy INF insurance if they have a residence outside the USA. The coverage duration is available from 5 days up to 364 days.
There is a minimum purchase of 90 days required to buy these INF Elite plans.
The INF plans use the United Healthcare Preferred Provider Organisation (PPO). This means that even if the pre-existing coverage limit is low, customers will still be able to access the full PPO discounts via United Health Care (UHC).
For example : A customer has to go to the Emergency Room (ER) for blood pressure and get a bill of $10,000 and the customer has the INF HOP UltraPlus plan. Although the UltraPlus covers $700 for pre-existing, the customer will get the PPO discount on the bill since it is covered. This in itself can translate to very significant savings such as an 80% discount + $700 paid out. This means your total coverage was $8,700 and out of pocket expense is only $1,300.
INF insurance will not cover visitors to US if they are already sick, if a traveller is already in the hospital, expecting to use the insurance, if travelers have scheduled medical procedures, or if travelers are seeking on-going treatment.
If a visitor proceeds to do any of the preceding, it may result in the cancellation of coverage, full refund of the amount paid, and all claims denied.INF has a 5 day waiting period for new sickness / pre-existing coverage if the traveler has already arrived in the United States.
Yes, people who are already in the US, can buy the INF plans, but they must get prior permission to apply for INF plans. To do this, they must submit the following forms:
The I-94 form is a government doc that can be filled out on line, they should choose “Get most Recent” on the website here: https://i94.cbp.dhs.gov/ and you should complete this “health attestation form”.
Note : Hop Travel Assist plans are not available if visitors are already in abroad
Yes, you can purchase INF travel medical insurance even if you have pre-existing conditions. INF offers Premier, Elite, Elite Plus, Elite 90, Hop Travel Assist and Hop Mindoro Assist plans that provide coverage for pre-existing conditions. However, coverage for pre-existing conditions may have some limitations and exclusions depending on the plan and your specific condition. It is important to carefully review the policy details and ensure that the coverage meets your specific needs.
INF travel medical insurance for pre-existing conditions is a type of travel insurance that provides coverage for individuals who have pre-existing medical conditions.
The INF insurance plans are designed to provide coverage for medical emergencies and unexpected medical events that may occur while traveling. The plans include benefits such as hospitalization, doctor visits, prescription medication, emergency medical evacuation, and more.
INF offers several insurance plans for travelers with pre-existing conditions, including the INF Premier, INF Elite, INF Elite Plus and INF Elite 90 ,Hop Travel Assist and Hop Mindoro Assist. These plans have varying levels of coverage and benefits, so it is important to review each plan carefully to determine which one best fits your specific needs.
The cost of the INF visitors insurance will vary depending on the age of the traveler, the type of coverage and the length of your trip. Typically, visitor’s insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers seeking coverage for pre-existing conditions that INF insurance offers.
The INF Elite plan is a comprehensive travel medical insurance plan that offers coverage for emergency medical and dental expenses, medical evacuation, trip interruption, and other benefits for visitors to the USA. The INF Elite plan, INF Elite 90 plan and INF Elite Plus plan are all part of the Elite Network of plans offered by INF.
The INF Elite 90 plan is designed for travellers who need coverage of eligible medical expenses up to 90%.
The INF Elite Plus plan provides coverage for pre-existing conditions as defined in the plan, as per policy limitations, exclusions and maximums, with no benefit waiting period.
INF Elite Plus also provides Preventive & maintenance care benefits, which can be used for a number of different covered medical services and offers coverage for TDAP, Flu, etc Vaccines.
There is a minimum purchase of 90 days required to buy these INF Elite plans.
Here are some travel insurance tips for travelers with pre-existing conditions
There are several US travel insurance plans available for international travel, however most of these travel insurance plans exclude pre-existing conditions. This means that a travel insurance plan will not cover the costs of treating a pre-existing medical condition. The insurance company can therefore deny a claim if the ailment was pre-existing when the travel insurance was purchased.
INF is the only US insurance provider who is offering visitors travel insurance coverage for pre-existing conditions without limiting it to acute onset of a pre-existing condition. The INF Elite insurance plans cover pre-existing conditions up to a clearly defined pre-existing conditions limit which is different from the policy maximum. It is very important to compare the different travel insurance for pre-existing conditions coverage for the price and coverage details before buying the US travel insurance.
There are many international travelers who have medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Many of the regular travel insurance plans exclude any coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing. At American Visitor Insurance, we offer plans which do offer coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be better understood by using our facility for comparing visitors insurance for pre-existing conditions.
The travel health insurance plans which cover pre-existing conditions have clear definitions of what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions, and if it provides full coverage for pre-existing conditions the coverage limit within the policy for pre-existing conditons. Any travel health insurance coverage for pre-existing conditions will depend on all these factors.
The following are the important factors to consider while purchasing travel insurance for pre-existing conditions
Unfortunately, this simple question has a fairly complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance that can cover pre-existing conditions and even plans that are travel medical only without cancellation often are more generous in their coverage of pre-existing conditions. These plans may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There are only two policies we know of that offer coverage for pre-existing medical conditions. They are INF Premier and INF Elite plans.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
The above plans must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions.
The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms). A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset.
The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
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