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Universal VIP Plan by VUMI

Plan highlights

  • Worldwide coverage
  • Free choice of doctors and hospitals
  • $5,000,000 medical limit per year, per person
  • No co-payments or co-insurance
  • Maximum age to apply 75
  • Guaranteed lifetime renewal¬†
  • 100% hospitalization coverage
  • 100% prescription medication coverage
  • 100% medical evacuation and repatriation of remains coverage
  • Coverage for professional sports and hobbies
  • Deductible waived for maternity benefits after 10 months of coverage
  • Deductible waived or reduced after three years of no claims
  • Access to Aetna's PPO Network in all 50 States

Plan details

Universal VIP international health insurance plan is one of the most comprehensive plans available. Available for those under age 75 who may decide to keep the policy for life, this plan offers extensive coverage for both inpatient and outpatient treatment, with an annual coverage limit of $5 million per person.

Universal VIP combines superior protection with innovative services. These services include deductible elimination in case of serious accident, elimination or reduction of deductible if no claims are filed for three years, 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, including 800,000 healthcare providers and 7,000 hospitals. Inside the U.S., Universal VIP members have access to Aetna's PPO Network in all 50 States. The providers bill the insurance company directly, eliminating the need to file a claim and wait for a reimbursement.

Universal VIP is offered by VIP Universal Medical Insurance Group (VUMI). For more than 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 $600,000 claims per day. Headquartered in Dallas, Texas, VUMI has additional offices in Miami, Florida, El Paso, Texas, Denver, Colorado, San Jose, Costa Rica, and Guayaquil, 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 Standard & Poor's and A rating by A.M. Best.

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