A cost-effective schedule-of-benefit travel insurance plan that provides defined coverage for medical and travel-related needs, including protections for pre-existing and acute onset conditions.
HOP ADVANTAGE
HOP ADVANTAGE
HOP! Advantage is a schedule-of-benefits insurance plan offering defined protection for international travelers. Coverage includes medical services, with benefits for pre-existing and acute onset conditions, as well as non-medical protections such as quarantine lodging, trip cancellation, and baggage loss.
The plan supports direct billing with in-network providers and provides 24/7 claims support and emergency travel assistance. INF’s global team manages claim processing, coordinates with medical providers, verifies eligibility, and oversees evacuation and repatriation services.
Eligibility is open to travelers from ages 0 to 89. Policies must be purchased before the departure date, with coverage durations ranging from 1 day up to 364 days. The plan must also be purchased before arrival in the destination country and is not available to residents of the USA, Syria, Iran, Russia, North Korea, Cuba, the United Kingdom, Gibraltar, or the European Union.
Key Highlights
- Defined coverage for a broad spectrum of medical needs
- Dedicated limits for pre-existing and acute onset conditions
- Includes non-medical protections such as quarantine lodging, trip cancellation and baggage loss
- Worldwide coverage for travel, medical and personal assistance
- Direct billing available with in-network providers
- 24/7 claims support and emergency assistance accessible globally
- Comprehensive claim processing, provider coordination, eligibility verification, evacuation and repatriation services
- Available to travelers ages 0–89 traveling outside their home country
- Coverage duration available from 1 to 364 days
- Must be purchased before the trip start date and before arrival in the destination country
- Not available to residents of USA, Syria, Iran, Russia, North Korea, Cuba, United Kingdom, Gibraltar and the European Union
Note:
Please review HOP ADVANTAGE policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | INF |
| Plan Underwriter | SiriusPoint Speciality Insurance Corporation |
| Plan Category | Travel Medical Insurance |
| Plan Type | FIXED Coverage |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Urgent Care | $25 Co-pay per visit |
| Prescription Drugs / Medicines | Option 1 : $75 Option 2 : $100 Option 3 : $125 |
| Lab & X-rays | Option 1 : $275 Option 2 : $400 Option 3 : $525 |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | Option 1 : $2,700 Option 2 : $3,900 Option 3 : $4,750 |
| Hospital Intensive Care Unit | Option 1 : $2,100 in addition the Hospital Room & Board Option 2 : $2,650 in addition the Hospital Room & Board Option 3 : $3,300 in addition the Hospital Room & Board |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | Option 1 : $375 Option 2 : $400 Option 3 : $425 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Emergency Medical Evacuation: $10,000 Maximum Limit per Period of Coverage. Must be approved in advance and coordinated by the Claims Administrator. |
| Lost Luggage | Option 1 : $300 Option 2 : $400 Option 3 : $500 |
| Trip Cancellation | Option 1 : $1,250 Option 2 : $1,500 Option 3 : $1,750 |
Life Coverage
Life coverage
| AD&D | Option 1 : $5,000 per Insured Option 2 : $7,500 per Insured Option 3 : $10,000 per Insured |
Other
Other types of coverage not mentioned above.
| Pre-Existing Conditions | For Outpatient Services Option 1 : $1,750 Option 2 : $2,500 Option 3 : $4,500 |
HOP ADVANTAGE FAQS
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What is HOP! Advantage?
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What does the plan cover besides medical expenses?
It includes non-medical benefits such as quarantine lodging, trip cancellation, and baggage loss.
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Who is eligible for HOP! Advantage?
The plan is available to travelers ages 0 to 89 who are traveling outside their home country.
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What is the coverage duration?
Coverage ranges from 1 day to 364 days and must be purchased before the trip start date.
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Does the plan support emergency services?
Yes. It provides 24/7 claims support, emergency medical and travel assistance, and coordination for evacuation and repatriation.