# Pulsar Travel Assistance: full text for assistants

Sold by Asteroid LLC, 20900 NE 30th Avenue, Suite 410, Aventura, FL 33180, USA. Medical benefits insured by Redbridge Insurance Company Ltd. (Barbados), AM Best B++. Assistance and claims by US & UK Medical Abroad, LLC (MDabroad), operating since 2000: 85,000+ contracted providers in 150+ countries, 500+ direct partner hospitals, 6,093 US hospitals through Aetna's network, USD 1.2B+ in claims managed. Real people by phone 24/7: expert case managers, nurses and telemedicine doctors. Assistance 24h: +1 (786) 257-0040. Reimbursements on WhatsApp: +1 (786) 414-1901.

## Plans
- Tier 1: Basic
- Tier 2: Standard
- Tier 3: Superior
- Tier 4: Prime

Regions priced: europe, north_america, latam, mexico_caribbean, asia, africa, oceania, worldwide. Europe Basic is printed as EUR 30,000 (the Schengen reference). Prices are per person per day by age band (0-40, 41-64, 65-75, 76-85); a 10-day Europe trip for two adults on the recommended Superior plan is about USD 72. Maximum 180 days per voucher, up to 9 travelers per quote, maximum age at issue 85; from age 65 the insured sum is covered at 75%.

## Upgrades
- trip_cancellation_1000: Trip cancellation USD 1,000 (restricted causes), USD 21.11 per person
- trip_cancellation_2000: Trip cancellation USD 2,000 (restricted causes), USD 33.33 per person
- trip_cancellation_2500: Trip cancellation USD 2,500 (restricted causes), USD 39.92 per person
- preexisting_15000: Pre existing conditions USD 15,000, USD 94.44 per person
- preexisting_20000: Pre existing conditions USD 20,000, USD 144.44 per person

## Benefits (summary; the general conditions, September 2025 revision, prevail)
- Medical and hospital expenses: Illness or accident abroad: consultations, hospitalization, surgery, ICU. Values by tier: 1: {limit}, 2: {limit}, 3: {limit}, 4: {limit}
- Flight delay, paid automatically: Register your flight at least 24 hours before departure. If it is delayed, get a lounge pass (available now; an instant USD 50 delay payment is coming in November 2026). No form, no receipts, no claim. Powered by Blink Parametric. Values by tier: 1: Lounge pass now; USD 50 from Nov 2026, 2: Lounge pass now; USD 50 from Nov 2026, 3: Lounge pass now; USD 50 from Nov 2026, 4: Lounge pass now; USD 50 from Nov 2026
- Cashless in network: Call first and the clinic bills us directly. You pay nothing at the desk. Values by tier: 1: Included, 2: Included, 3: Included, 4: Included
- 24/7 assistance, humans: Phone and WhatsApp, answered by people in your language, any hour. Values by tier: 1: Included, 2: Included, 3: Included, 4: Included
- Telemedicine, unlimited: A doctor by video, as often as you need, at no charge per consultation. Non-emergencies, from wherever you are. Values by tier: 1: Unlimited, free, 2: Unlimited, free, 3: Unlimited, free, 4: Unlimited, free
- Medication / pharmacy: Prescribed medication for a covered acute event. Values by tier: 1: Within medical limit, 2: Within medical limit, 3: Within medical limit, 4: Within medical limit
- Dental emergency: Pain relief or extraction for an acute dental event. Values by tier: 1: Up to USD 2,500, 2: Up to USD 2,500, 3: Up to USD 2,500, 4: Up to USD 2,500
- Acute heart attack and stroke: Acute heart attack and stroke are covered regardless of history. Other pre-existing conditions: stabilisation of an acute episode with the optional upgrade (USD 15,000 or 20,000). Values by tier: 1: Included, 2: Included, 3: Included, 4: Included
- Medical transfers: Ground or air transfer to the nearest adequate facility. Values by tier: 1: Within medical limit, 2: Within medical limit, 3: Within medical limit, 4: Within medical limit
- Medical repatriation: Return home when medically indicated. Values by tier: 1: Within medical limit, 2: Within medical limit, 3: Within medical limit, 4: Within medical limit
- Repatriation of remains: Transfer of remains in case of death abroad. Values by tier: 1: Per schedule, 2: Per schedule, 3: Per schedule, 4: Per schedule
- Family member transfer: Travel and hotel for a relative during hospitalization over 5 days. Values by tier: 1: Transport + hotel sub-limit, 2: Transport + hotel sub-limit, 3: Transport + hotel sub-limit, 4: Transport + hotel sub-limit
- Convalescence hotel: Hotel during medically required convalescence. Values by tier: 1: Daily cap, 2: Daily cap, 3: Daily cap, 4: Daily cap
- Baggage loss: Permanently lost checked baggage, supplementary to the airline. One baggage benefit per trip. Values by tier: 1: USD 500 to 5,000 per voucher schedule, 2: USD 500 to 5,000 per voucher schedule, 3: USD 500 to 5,000 per voucher schedule, 4: USD 500 to 5,000 per voucher schedule
- Baggage delay: Essentials while checked baggage is delayed over 8 hours. Values by tier: 1: Sub-limit per voucher, 2: Sub-limit per voucher, 3: Sub-limit per voucher, 4: Sub-limit per voucher
- Trip cancellation / interruption: Restricted causes (hospitalization, fracture, death in the family). Optional upgrade on any plan. Values by tier: 1: Upgrade: USD 1,000 / 2,000 / 2,500, 2: Upgrade: USD 1,000 / 2,000 / 2,500, 3: Upgrade: USD 1,000 / 2,000 / 2,500, 4: Upgrade: USD 1,000 / 2,000 / 2,500
- Adventure sports: Amateur competition and search-and-rescue with the upgrade. Diving, parachuting, rock climbing, motorsport and similar stay excluded (CG 36 c). Values by tier: 1: Optional upgrade, 2: Optional upgrade, 3: Optional upgrade, 4: Optional upgrade
- Accompaniment of minors: Escort home for minors travelling with the insured. Values by tier: 1: Transport + schedule, 2: Transport + schedule, 3: Transport + schedule, 4: Transport + schedule
- Lost documents and cards: Assistance replacing documents and blocking cards. Values by tier: 1: Assistance + sub-limit, 2: Assistance + sub-limit, 3: Assistance + sub-limit, 4: Assistance + sub-limit
- Baggage damage: Damage to checked baggage, air or sea. Values by tier: 1: Sub-limit per voucher, 2: Sub-limit per voucher, 3: Sub-limit per voucher, 4: Sub-limit per voucher
- Legal assistance and bail: Referral plus sub-limit; bail bond advance. Values by tier: 1: Referral + sub-limit, 2: Referral + sub-limit, 3: Referral + sub-limit, 4: Referral + sub-limit
- Concierge: Bookings, directions, translations, the small stuff. Values by tier: 1: Service, 2: Service, 3: Service, 4: Service

## Telemedicine, unlimited
Every plan includes unlimited video consultations with a doctor for non-emergencies, at no charge per consultation and with nothing counted against the medical limit. During business hours in most places the connection takes minutes. Prescriptions follow local rules; controlled medicines need an in-person visit, which Pulsar arranges.

## Flight delay benefits
Flight delay, with Blink Parametric: register your flight 24 hours ahead and get a lounge pass if it is delayed, live now. An automatic USD 50 payment for a delay of 2 hours or more is coming November 2026. Eligible flights per the terms on your voucher.

## Flight compensation (AirHelp)
Airline compensation rights vary by route and carrier. Read /flight-compensation/ for current availability and terms.

## How assistance works
Message or call first. The member receives a Verification of Benefits on WhatsApp to show the hospital; MDabroad sends the hospital a Guarantee of Payment and pays directly where direct billing is arranged. In an emergency go to the nearest hospital and tell Pulsar within 24 hours. In the United States members access Aetna's network (6,093 hospitals).

## Infrastructure and partners (who does what)
- payments: Stripe (PCI DSS Level 1); Pulsar never sees card numbers
- flight_compensation: AirHelp
- us_network: Aetna, 6,093 hospitals in all 50 states
- operator: MDabroad (US & UK Medical Abroad, LLC), international medical assistance since 2000, 85,000+ contracted providers in 150+ countries
- insurer: Redbridge Insurance Company Ltd. (Barbados), AM Best B++
- assistance_partners: Australasian Assistance, Iris Global (Spain), SURA (Colombia), Emergency Assistance Japan, Medical Rescue (Australia), Global Rescue, Crisis24, CEGA Group, Eurocenter, IKE Assistance (Brazil), Always Assistance (Spain)
- security: ISO 27001 compliant information security program, HIPAA compliant processes, GDPR and Brazil LGPD controls
- email: Resend
- hosting: Vercel, Neon Postgres
- ai: Nova runs on Anthropic Claude; conversations are not used to train models

## Eligibility
Designed for residents of Latin America and other non-US residents, including Americans and other internationals living in Latin America, and students abroad. US residents: Travel Insured International (separate product, quoted on its site; Asteroid may receive a referral fee). Brazilian residents: Pulsar Seguro Viagem (Brazil product, Sabemi, BRL). Students and long stays: one voucher covers up to 180 days.

## Buying through an AI assistant
MCP server at /api/mcp (no auth) and JSON API at /api/agent (OpenAPI at /openapi.json). Flow: get_destinations, quote, relay must_tell_the_traveler, create_checkout returns a hosted Stripe URL the traveler pays on. Agent price: 5% below the site price, applied automatically to checkouts created through these endpoints. Assistants never handle card data and cannot look up existing policies. compare_products (MCP) or GET /api/agent?a=compare&product=... returns Pulsar next to another product from its own published general conditions with the source, version, retrieval date and a disclaimer; only products in the library, no rankings. Privacy for the connector: /privacy/#connector

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- Universal Assistance Single Trip Retail LA (Universal Assistance): general conditions CCGGs_Retail_LA_v40_SINGLE TRIP OCT2025, read 2026-09-28

## FAQ (from the site)