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Overseas Visitors InsuranceSM by Azimuth Risk Solutions

Exclusive Comprehensive Coverage Plan

Overseas Visitors InsuranceSM

Overseas Visitors InsuranceSM (OVI) is a Short-term health insurance. If visiting the U.S.A., the Plan provides benefits to foreign nationals (Parents and relatives), including international visitors, or temporary residents, subject to the terms and conditions of the certificate of coverage. OVI is travel insurance for non-U.S. citizens traveling outside of their home country Including USA and Canada.


  • Physician Visits/ Urgent Care: $35 co pay
  • Deductible options: $100; $250; $500; $1,000; $2,500
  • United Healthcare PPO network
  • Plan A & C covers 90% up to first $5000 and thereafter 100% up to Policy max
  • Plan B covers 100% up to the policy max
  • Plan A & Plan B covers Acute Onset of an Existing condition up to age 79
  • Plan C covers Acute Onset of an Existing condition up to age 69

Overseas Visitors medical insurance is a popular comprehensive coverage visitors insurance plan that uses the UnitedHealthcare PPO network. This is a private product created exclusively by that has many travel health benefits including acute onset of a pre-existing condition benefit without a chronic restriction. This is one of the most popular international medical insurance plans for overseas visitors on the market today.

Overseas Visitors Insurance is a comprehensive plan that is designed to cover a new sickness or illness that occurs after the policy has started. That includes urgent care, doctor visits, labs, emergency room, surgery, and hospitalization as examples. Overseas Visitors Insurance is an International Medical Insurance for travelers traveling outside of their home country.

Pre-existing conditions are not covered under Overseas Visitors Insurance plan, however this plan does cover acute onset a of a pre-existing condition. You can see the full definition below.

Acute Onset of Pre-existing Condition prior to age 79 – Plan- A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000 and Plan C: Ages up to 69: Up to the medical maximum. $25,000 maximum per emergency medical evacuation related to an acute onset of a preexisting condition

Definition: The sudden and unexpected outbreak or reoccurrence of a Pre-existing Condition(s), which occurs Unexpectedly and without advance warning either in the form of Physician recommendation or symptoms (which would have caused a prudent person to seek medical advice, attention or treatment), is short in duration, is rapidly progressive and requires urgent care. e Sudden Onset of a Pre-existing Condition(s) must occur an er the Effective Date of Coverage or Effective Date of insurance. Treatment for the Sudden Onset of a Pre-existing Condition must be obtained within Twenty- Four (24) hours of the sudden and unexpected outbreak or reoccurrence. A Pre-existing Condition that is a Congenital condition or that gradually gets worse over time will not be considered a "Sudden Onset of a Pre-existing Condition”. e Sudden Onset of a Pre- existing Condition 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 or Effective Date of Insurance. e Sudden Onset of a Pre-existing Condition does not include treatment an er the initial stabilization of a covered or eligible bene t for “Sudden Onset of a Pre-existing Condition".

Overseas Visitors Insurance can be purchased online at Once you fill out the application online and proceed with payment, the coverage documents will be emailed to you withing 15 minutes. This will include the ID card, Declaration Page, Schedule of Benefits and full policy wording for your reference. We will also share the PPO link for UnitedHealthcare with your confirmation email.

To make a claim, you will need to file the claim with the insurance company, Azimuth Risk Solutions. You can find all the claims details with your policy documents that will be emailed over to you.

There is no waiting period when purchasing Overseas Visitors Insurance. The earliest you can start the policy is next day. Overseas visitors health covers you for a new sickness or illness that occurs after the policy has started.

Yes, you can renew your Overseas Visitors Insurance policy. The minimum extension period is 5 days. This can be done via your client zone from Azimuth Risk Solutions.

For cancellation, if you cancel before the effective date, you will be issued a full refund on your original form of payment. If you cancel once the policy has started, the insurance company will issue a pro-rated refund minus a $25 cancellation fee. Policies can only be cancelled if the policy hasn’t been used. If the policy has been used during the policy period, the premium is earned and no refund will be issued as the insurance company will be responsible for a potential claim.

Overseas Visitors Insurance is a visitors health insurance policy. This is medical insurance for overseas visitors. Travel insurance plans can either be health insurance plans or trip protection plans. This does vary per plan type. Please give us a call so we can further assist you.

If you need assistance, you can reach out to the insurance company directly. All their information will be listed on your ID card and policy documents that will be issued to you.

In case you fall sick or get injured during your travels, how can you cope so far from home base? Your home health insurance will not be valid during this painful period either. Therefore, if you are planning a trip overseas, then you need to take out health insurance that can protect you during that period.

Overseas Visitors InsuranceSM

Acute Onset of Preexisting Condition benefits:

Plan A & B: Ages up to 69: Up to lesser of Medical Maximum or $100,000 or Ages 70-79: Up to lesser of Medical Maximum or $35,000.

Plan C: Ages up to 69: Up to the medical maximum.

What is Overseas Visitors InsuranceSM and how it helps?

This is where Overseas Visitors InsuranceSM comes into the picture. Irrespective of your location, this traveling health insurance will be with you wherever you are. The 24/7 health insurance acts like traditional models, the only difference being that it is mobile while others are location based. In other words, you can travel without any worries knowing that your health will be taken care of irrespective of your destination.

If you are traveling abroad, you need insurance protection in case you become sick or hurt while traveling. Your health insurance at home doesn’t always follow you when you leave your home country. No matter where you go, Overseas Visitors Insurance can help with medical expenses, 24-hour travel assistance, and a network of medical providers. Let us take the worry out of your travel! When you buy online, you receive your digital travel insurance documents within minutes.

Travel friendly visitor’s insurance can give you a range of benefits that are otherwise denied to most travelers. This includes but is not limited to:

In addition, members will also be well taken care of in case they encounter a natural disaster during their travels. This includes replacement accommodation in case the current one is unlivable. If members are unable to continue their trip due to residential damage because of a natural disaster, they will be reimbursed for the cost of their return trip home.

IThe benefits are paid as additions to deductibles as well as coinsurance as per your maximum medical limit. To ensure complete peace of mind for members, any minors that travel with them will be personally escorted to home base.

Eligibility and Duration of Benefits

You are eligible for this travel insurance if you are 14 days old and older. Coverage can also be purchased for spouses, unmarried children who are dependent and over 14 days old but younger than 19 years of age.

The duration of the benefits or benefit period starts from the date of your injury/ailment to acquire treatment. This is applicable if members are out of the country while limited coverage is for home base.

Traveling can rejuvenate you, but it can also turn hazardous instantly. Ensure yours and your loved one’s health by opting for travel insurance coverage by opting for Overseas Visitors InsuranceSM