You need traveler information such as full name, date of birth, passport details, travel dates, and destination country to complete the purchase.
OSK Protect America
OSK Protect America
The OSK Protect America plan provides medical coverage for travelers outside their home country, covering unexpected illnesses and injuries such as hospitalization, doctor visits, and emergency care. It focuses on medically necessary, non-elective treatment during international travel.
The plan offers flexible coverage limits up to $1,000,000, with deductible options ranging from $100 to $5,000. After the deductible, it pays 100% of eligible expenses for in-network providers and 50% for out-of-network services.
It also includes coverage for acute onset of pre-existing conditions and urgent care visits with a $25 co-pay, helping travelers manage sudden medical needs during their trip.
Additional benefits include emergency medical evacuation, trip interruption, repatriation of remains, border entry protection, and 24/7 telemedicine services. Coverage is available for up to 364 days and applies only while traveling outside the home country.
Key Highlights
- Coinsurance 100% of eligible expenses for in-network and 50% for out-of-network, after the deductible up to the overall maximum limit
- Maximum Coverage options of $100,000, $250,000, $500,000, and $1,000,000 per insured person
- Deductible options available from $100 up to $5,000 per injury or illness
- Emergency Medical Evacuation up to $25,000
- Trip Interruption economy ticket coverage up to $2,500
- Border Entry Protection up to $500
- Repatriation of Mortal Remains up to $15,000
- Local Burial or Cremation up to $2,000
- Accidental Death & Dismemberment (AD&D) up to $25,000
- Urgent Care Visit with $25 co-pay per visit
- 24/7 Telemedicine services with $0 co-pay
- Coverage for acute onset of pre-existing conditions
- Incurral Period: eligible expenses must be incurred within 30 days of injury or illness
Note:
Please review OSK Protect America policy documents for complete coverage and exclusions.
Plan Details
| Insurance Provider | Skybridge Risk Holdings LLC |
| Plan Underwriter | Skybridge Risk Holdings Bermuda |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
| PPO Network | United healthcare PPO |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Prescription Drugs / Medicines | $500 Note : Medical Benefit Sub-limits per Person, per Period of Coverage after UHC Repricing Benefit between 20-90% |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | $20,000 Note : Medical Benefit Sub-limits per Person, per Period of Coverage after UHC Repricing Benefit between 20-90% |
| Surgical Treatment | Up to Maximum Benefit $15,000 Note : Medical Benefit Sub-limits per Person, per Period of Coverage after UHC Repricing Benefit between 20-90% |
| Hospital Intensive Care Unit | N/A |
Emergency Services
Hospital emergency services (certain limits may apply).
| Emergency Room | Emergency treatment resulting in admission of less than 24 hours, up to $4,000 for Pre-existing Conditions Up to Maximum Benefit $4,000 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $25,000 Must be approved in advance and coordinated by the Claims Administrator. Repatriation of Remains : $15,000 Maximum Limit for return of the Insured Person's Mortal Remains or ashes to Country of Residence or $2,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s Mortal Remains at the place of death. Must be approved in advance and coordinated by the Claims |
| Trip Interruption | Economy Ticket up to $2,500 Due to death/Illness of Immediate Family or disaster at home. |
| US Border Entry Protection | Up to $500 per terms and conditions |
Life Coverage
Life coverage
| AD&D | $25,000 per Insured |
Support
Support
| 24-Hrs Emergency Assistance | 24/7 Telemedicine : $0 Copay | Registration Provided in Fulfillment |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Acute onset Pre-Existing Condition | Up to Maximum Benefit |
OSK Protect America FAQS
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What details are needed to purchase the OSK Protect America plan?
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What does OSK Protect America insurance cover?
The plan covers unexpected illnesses and injuries including hospitalization, doctor visits, outpatient treatment, emergency medical evacuation, and other eligible travel medical expenses.
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Who is eligible for OSK Protect America insurance?
The plan is available for travelers aged 15 days to under 99 years who are traveling outside their home country and meet the policy eligibility requirements.
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Can I purchase insurance after arriving in the destination country?
Yes, but sickness coverage will be subject to a 7-day waiting period. Accident coverage begins immediately after submission of the health attestation form.
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Does the plan cover pre-existing conditions?
The plan covers acute onset of pre-existing conditions only. Coverage applies to sudden and unexpected flare-ups requiring immediate medical attention within 24 hours of symptoms appearing.
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Can I cancel the OSK Protect America plan?
You may cancel the policy before the effective date for a full refund minus a $50 cancellation fee. After 30 days, a prorated refund may apply if no claims have been filed.
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Is there a waiting period for coverage?
If purchased after arrival, sickness coverage has a 7-day waiting period, while accident coverage starts immediately.
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Does the plan require pre-authorization for treatment?
Yes, pre-authorization is required for many services including doctor visits, urgent care, hospitalization, surgery, MRI, CAT scans, and emergency evacuation services. Failure to obtain approval may reduce or deny claims.
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Is coverage available in my home country?
No, this plan only provides coverage while traveling outside your home country.
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Can I extend my policy?
Yes, coverage may be extended up to a maximum total coverage period of 364 days, subject to eligibility and approval. Each extension is treated as a new insurance contract.
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Is OSK Protect America primary or secondary insurance?
This plan works on an excess (secondary) insurance basis and pays after any other available insurance coverage.