Short-term Trip Type
5 to 60 consecutive days · Ages up to 84
For travelers up to age 84. Ages 74 and under pay the standard rate. Ages 75–84 are accepted at 3× the standard premium.
For parents and family visiting the US. Ages 74 and under pay the standard rate. Ages 75–84 are accepted at 3× the standard premium. Not available for travelers age 85 or older.
Available Coverage Tiers
Select from our 3 coverage tiers when you purchase a short-term trip type. The table below outlines the maximum limits for each tier.
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| Benefit | Ultra | VIP | VIP Plus |
|---|---|---|---|
| Medical Benefits | |||
| Medical Assistance for Accident | $30,000 | $100,000 | $250,000 |
| Medical Assistance for Illness | $30,000 | $100,000 | $250,000 |
| Medical Assistance for COVID-19 (≤75 yrs)* *COVID-19 coverage for ages 76+ is available on the VIP tier only. | Included | Included | Included |
| Pre-Existing Medical Condition | $500 | $2,000 | $6,000 |
| Prescription Drugs | Included | Included | Included |
| Dental Emergency | $300 | $1,500 | $1,700 |
| Repatriation or Sanitary Transfer | $30,000 | $100,000 | Included |
| Amateur Sports Coverage | $10,000 | $10,000 | $20,000 |
| Non-Medical Benefits | |||
| Repatriation of Mortal Remains | $30,000 | $60,000 | Included |
| Accidental Death (≤84 yrs) | $30,000 | $50,000 | $100,000 |
| Transportation of Family Member due to Hospitalization | Included in all tiers | ||
| Hotel Expenses for Convalescence / COVID | $800 | $2,000 | $2,200 |
| Trip Cancellation (≤74 yrs) | $2,000 | $2,000 | $2,200 |
| Expenses for Delay Luggage | $400 | $800 | $1,500 |
| Total and Definitive Loss of Baggage | $1,000 | $2,000 | $3,000 |
| Late Arrival | $300 | $500 | $550 |
| Delayed or Cancelled Flight | N/A | $150 | $350 |
| Theft or Loss of Passport During a Trip | $70 | $100 | $100 |
Optional: Expectant Mother
$5,000 Expectant Mother coverage. Ages ≤45, first 30 days of pregnancy.
All plans: $0 deductible, 100% co-insurance, 24/7 assistance, direct billing available where possible. See the full benefits sheet for every covered benefit.
Important: Key exclusions apply
All medical expenses must be pre-authorized by the Assistance Center. Coverage does not include: routine check-ups, elective procedures, pre-planned surgeries, extreme sports, substance abuse treatment, hernias, or injuries without proper safety equipment. Pre-existing coverage is limited to acute emergencies only. See the Terms & Conditions for full coverage details.
Eligibility
Who is eligible?
- Indian travelers visiting the United States
- Trips lasting 5 to 60 consecutive days
- Ages up to 74 (regular premium)
- Ages 75-84 accepted at 3x premium
- Any form of international travel (air, cruise, land)
Perfect for
- Vacation travelers visiting the US
- Parents visiting children in the US
- Short business trips
- Cruise passengers with US stops
Short-term Plan FAQs
Yes, you can apply for coverage before or after you arrive in the United States. However, we recommend purchasing before your trip begins for continuous coverage from day one.
If your trip exceeds 60 days, consider our Long-Term plan (61-365 days) which is designed for extended stays. You may also contact our support team about extending your current coverage.
With the direct billing feature, payment is coordinated with the healthcare provider directly where possible, so you may not have to pay out of pocket and wait for reimbursement. Contact the BMI Travel Assist emergency line listed on your voucher first, and they will coordinate with the provider. Note: Direct payment is not available at all facilities. In some cases, you may need to pay and submit a claim for reimbursement.
Short-Term plans cover travelers up to age 84. Ages 74 and under pay the standard rate. Ages 75–84 are accepted at 3× the standard premium. Travelers age 85 or older are not eligible for any plan. Note: if your traveler is 65 or younger and needs more than 60 days of coverage, the Long-Term plan is also an option.
Get Your Short-term Coverage Today
Protection for 5 to 60 day trips. No deductibles, no co-pays.