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International Health Insurance

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Universal VIP international health plan is one of the most comprehensive plans available, offering extensive coverage for both inpatient and outpatient treatment and a $5 million per person annual limit.

Universal VIP combines superior protection with innovative services. These services include; elimination or reduction of deductible if no claims are filed for 3 years, deductible elimination in case of serious accident, guaranteed lifetime renewal and no restriction on the length of time spent in any country.

Universal VIP offers you the freedom to choose where you receive healthcare anywhere in the world. Inside the United States, Universal VIP members have access to Aetna's PPO Network in all 50 States. This network includes over 700,000 healthcare providers, and more than 4,000 hospitals. These providers will bill the insurance company directly eliminating the need to file a claim and wait for reimbursement.

Universal VIP is offered by VIP Universal Medical Insurance Group (VUMI). For over 30 years, VUMI has provided peace of mind to nearly 50 million individuals around the world. VUMI processes approximately $219 million in claims annually averaging $600 thousand per day. Headquartered in Dallas, Texas, VUMI has additional offices in Miami, Florida, El Paso, Texas, San Jose, Costa Rica and Quito, Ecuador. All VUMI policies are backed and reinsured by PartnerRe, one of the world's largest and most trusted reinsurers. PartnerRe is a financially solid company with total assets of over $22 billion and an A+ (Superior) rating by A.M. Best and Standard & Poor's.

  • Worldwide coverage including or excluding the United States
  • $5,000,000 limit per year per person
  • Free choice of doctors and hospitals worldwide
  • Guaranteed lifetime renewal
  • Free coverage for two children until age 5
  • No co-payments or co-insurance
  • 100% hospitalization coverage
  • 100% prescription medication coverage
  • 100% medical evacuation and repatriation of remains coverage
  • Coverage for professional sports
  • Deductible waived for maternity benefits after 10 months of coverage (Plans I, II & III)
  • Deductible waived or reduced after 3 years of no claims
  • Access to Aetna's PPO Network in all 50 States
**Quick Quotes are estimates determined from information you provide. For a more accurate quote or policy cost, please review rate sheets for the plan you want, continue to request a quote, or begin applying for coverage.