Short-term Trip Type
5 to 90 consecutive days of coverage
Designed for pleasure and business travelers who travel for a specific period. Valid for air, cruise, or any method of transportation.
Short-term coverage for your parents or family visiting the US — from a quick 5-day trip to a 90-day extended stay.
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 Accident | $30,000 | $100,000 | $250,000 |
| Medical Illness | $30,000 | $100,000 | $250,000 |
| COVID-19 (≤75 yrs) | Included | Included | Included |
| Pre-existing Conditions | $500 | $2,000 | $6,000 |
| Medications | Included | Included | Included |
| Dental Emergency | $300 | $1,500 | $1,700 |
| Emergency Medical Evacuation | $30,000 | $100,000 | Included |
| Amateur Sports | $10,000 | $10,000 | $20,000 |
| Non-Medical Benefits | |||
| Safe Journey Home / Funeral Assistance | $30,000 | $60,000 | Included |
| Accidental Death (≤84 yrs) | $30,000 | $50,000 | $100,000 |
| Family Transfer for Hospitalization | Included in all tiers | ||
| Hotel Convalescence / COVID | $800 | $2,000 | $2,200 |
| Trip Cancellation (≤74 yrs) | $2,000 | $2,000 | $2,200 |
| Baggage Delay | $400 | $800 | $1,500 |
| Baggage Loss | $1,000 | $2,000 | $3,000 |
| Missed Flight | $300 | $500 | $550 |
| Flight Delay / Cancellation | N/A | $150 | $350 |
| Passport Theft / Loss | $70 | $100 | $100 |
Optional: Maternity
$5,000 maternity coverage. Ages ≤45, up to 32 weeks gestation.
Optional: COVID-19 76+
$50,000 COVID coverage for ages 76+. VIP and VIP Plus tiers only.
All plans: $0 deductible, 100% co-insurance, 24/7 assistance, direct billing available where possible.
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 90 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 90 days, consider our Long-term plan (60-365 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.
Our short-term plans are available to travelers up to age 84. Ages 75–84 are accepted at a higher premium rate (approximately 3x standard). Get a personalized quote to see exact rates for your age group.
Get Your Short-term Coverage Today
Protection for 5 to 90 day trips. No deductibles, no co-pays.