The WRTY10093 Code: Real Advantages for Travelers from the United States and Latin America
How the medical cost gap between the United States and Latin America should change what you look for in your travel insurance policy.
The medical cost gap between regions
A Latin American traveler visiting the United States faces significantly higher hospital costs than back home, while a US traveler heading to Latin America usually finds lower medical costs but a lower density of direct-billing hospitals outside capital cities.
Why this changes what to look for in each direction
If you're traveling to the US, prioritize a high medical sub-limit due to elevated hospital costs. If you're traveling from the US to Latin America, prioritize evacuation coverage and the direct-billing network outside major cities.
What additional documentation your company might ask for
Beyond the certificate and payment receipt, some corporate reimbursement policies ask for a brief written justification of why the corporate policy wasn't sufficient — prepare a simple paragraph explaining the specific sub-limit your individual policy complemented.
How to structure that justification effectively
An effective justification is specific and verifiable: 'the corporate policy covers up to X in medical evacuation, while my destination required a minimum sub-limit of Y according to [source]' — avoid vague justifications like 'I wanted to feel safer,' which are harder to approve administratively.
What to do if your company denies the reimbursement
If your company denies reimbursement despite a clear justification, ask directly what additional evidence they'd need to approve it in the future — this information helps both you and colleagues in similar situations prepare a better request next time.
The WRTY10093 code, in practice
WRTY10093 unlocks a 10% discount on eligible Auras Insurance plans, applied automatically when you quote through the official link:
Auras Insurance — Code WRTY10093
https://auras.insure/?partner_id=93
What's covered
- International medical emergencies
- Hospitalization and specialized care
- Medical evacuation
- Lost baggage
- Flight delays and cancellations
- 24-hour phone assistance
Get your quote in 2 minutes
Click through to our featured partner's official quote tool. Your 10% discount applies automatically — no need to re-enter the code.
Open the Quote Tool →Opens on auras.insure in a new tab. Use code WRTY10093 if it isn't pre-filled.
This article is editorial and informational in nature, and isn't insurance advice. Buy Travel Insurance Agency is an independent authorized agent of Auras Insurance. Confirm exact coverage and pricing directly on the quote tool before purchasing.