AD&D Insurance Plans

Fixed Coverage Plans

VisitorSecure

Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Only available for under age 70 ( Plan A: 50,000; Plan B: 75,000; Plan C: 100,000; Plan D: 100,000)
  • Co-Insurance:Not Applicable.
  • PPO Network:No PPO Network, visit any doctor.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Plan pays fixed amount per incident up to the policy maximum

Visitors Care

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 2 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under Age 70 Plan A($25,000),Plan B($50,000),Plan C(100,000).
  • Co-Insurance:Not Applicable.
  • PPO Network: Provides First Health PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Plan pays fixed amount.

Safe Travels For Visitors To The USA

Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited

  • Eligibility:Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed from 5 days to 2 years.
  • Acute Onset of Pre-existing Condition: Under age 70 :Up to overall maximum limit ; Age (70-79) : Up to $35,000 ; Age (80-89) : Up to $15,000.
    Acute Onset Related to Cardiac Conditions: Under age 70: Up to $25000 ; Age (70-89) : Up to $15000.
  • Co-Insurance: Not Applicable.
  • PPO Network: No PPO Network, visit any doctor.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Plan pays fixed amount per incident up to the policy maximum

Comprehensive Coverage Plans

Atlas America

  • Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under age 70: Up to the overall maximum limit, Age 70-79: Up to the overall maximum limit or $100,000, whichever is lower.
  • Co-Insurance:
    In Network:After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network:After deductible is paid by insured, plan pays as per URC 100% up to policy maximum
  • PPO Network Provides First Health PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Not available for North Korea, Syria, Iran and Cuba.
  • Members cannot be located in the following locations at the time of purchase: Maryland, Washington, Canada, New York, Australia.

Atlas International

Plan Administrator: Tokio Marine HCC Medical Insurance Services Group | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and excluding USA.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under age 70: Up to the overall maximum limit, Age 70-79: Up to the overall maximum limit or $100,000, whichever is lower.
  • Co-Insurance:After deductible is paid by insured, plan pays 100% up to policy maximum
  • PPO Network: Provides Equian International PPO Network,Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Not available for North Korea, Syria, Iran and Cuba.
  • Members cannot be located in the following locations at the time of purchase: Maryland, Washington, Canada, New York, Australia.

Liaison Travel Elite - Including USA

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent"  | Underwriter: Lloyd's of London

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 3 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition:Under age 70: Up to Maximum $50,000; Age 70-99:Up to Maximum $10,000.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: Outside of PPO network, plan pays 90% of first $5,000, and then 100% up to policy max
  • PPO Network: Provides United Health Care PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Patriot America

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed up to maximum of 2 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition:  No Coverage.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After the deductible is paid by insured, plan pays 80% for the first $5,000 and then 100% up to the policy maximum.
  • PPO Network: Provides United Healthcare PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Patriot America Plus

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 2 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under Age 70: Covered up to overall maximum limit.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After the deductible is paid by insured, plan pays 80% for the first $5,000 and then 100% up to the policy maximum.
  • PPO Network: Provides United Healthcare PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Patriot Platinum America

Plan Administrator: International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 3 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Non-US Citizens Only Under Age 70: Up to $1000,000.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum
    Out-of-Network: After the deductible is paid by insured, plan pays 90% for the first $5,000 and then 100% up to the policy maximum.
  • PPO Network: Provides United Healthcare PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Safe Travels USA

Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited

  • Eligibility:Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed from 5 days to 2 years.
  • Acute Onset of Pre-existing Condition: Up to the first $1,000 of Covered Expenses.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum.
    Out-of-Network: Outside of PPO network, plan pays 80% of first $5,000, and 100% up to policy max
  • PPO Network: Provides First Health PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Safe Travels International

Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: If a minimum of 45 days is purchased, the policy term may be renewed with uninterrupted coverage for up to 24 consecutive months.
  • Acute Onset of Pre-existing Condition: Up to age 65 : first $20,000 of Covered Expenses ;Age (65 to 99) first $10,000 of Covered Expenses.
  • Co-Insurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: Provides First Health PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Safe Travels International Cost Saver

Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: If a minimum of 45 days is purchased, the policy term may be renewed with uninterrupted coverage for up to 24 consecutive months.
  • Acute Onset of Pre-existing Condition: Up to age 65 : Up to first $20,000 of Covered Expenses ;Age (65 to 99)Up to first $10,000 of Covered Expenses.
  • Co-Insurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: Provides First Health PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Diplomat America

Plan Administrator: Global Underwriters | AM Best Rating: A+ "Superior" | Underwriter: United States Fire Insurance Company

  • In PPO Network: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100 up to policy max.
  • Eligibility: Non US citizen age 0-99 traveling to USA only.
  • Coverage length: Min 15 days up to max 364 days.
  • Provider Network:Visit any doctor/hospital.
  • Renew Online: Coverage under this Plan is not renewable.
  • ID card & Visa Letter comes in email instantly.

Diplomat Long Term - Including USA

Plan Administrator: Global Underwriters | AM Best Rating: A+ "Superior" | Underwriter: United States Fire Insurance Company

  • PPO Network (Inside USA): The plan pays 80% up to $5,000 of eligible costs, then 100% of policy max.
  • Eligibility: Non-US Citizen Age 0-99 visting USA.
  • Coverage length: Min 3 Months up to max 1 year.
  • Provider Network: Visit any doctor/ hospital.
  • Renew Online: Min 1 month
  • ID card & Visa Letter comes in email instantly.

Diplomat International

Plan Administrator: Global Underwriters | AM Best Rating: A+ "Superior" | Underwriter: United States Fire Insurance Company

  • PPO Network (Outside USA): After you pay your selected deductible this plan will pay 100% of Covered Expenses.
  • Eligibility: US citizens or Non-US Citizen  Age 0-99 traveling outside their home country except USA
  • Coverage length: Min 5 days up to max 364 days.
  • Provider Network:Visit any doctor/ hospital.
  • Renew Online: Coverage under this Plan is not renewable.
  • ID card & Visa Letter comes in email instantly.

Beacon America

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • In PPO network (In USA & Canada) :
    The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the MultiPlan PPO Network. Outside PPO network The plan pays 80% of the next $5,000 after the Deductible outside of the Network.
  •  In PPO network (Outside USA): The plan pays 100% of Eligible Expenses for claims.
  • Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage length: Min 5 days up to max 364 days.
  • Provider Network: Direct Billing through MultiPlan
  • Renew Online: You purchase at least 10 days of initial coverage and provide Azimuth with your email address, you will receive an email reminder with instructions for extending your coverage 5 days prior to your Beacon plan termination.
  • Acute onset of Pre-x coverage: The Beacon Series offers coverage up to $15,000 (including emergency medical evacuation) for existing conditions which are not undergoing treatment, including medication or therapy of any kind
  • ID card & Visa Letter comes in email instantly.

Beacon International

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • In PPO network (In USA & Canada): Coinsurance will be waived if expenses are incurred within PPO and expenses are submitted directly to the provider. PPO network (In USA & Canada): After you pay deductible, plan pays 80% of next $5,000 then 100% up to policy max. The plan pays 100% of Eligible Expenses for claims incurred outside the US & Canada.
  • Eligibility: US citizens Age 0-99 traveling outside their home country.
  • Coverage length: Min 5 days up to max 365 days.
  • Provider Network: Direct Billing through MultiPlan.
  • Renew Online:If you purchase at least 10 days of initial coverage and provide Azimuth with your email address, you will receive an email reminder with instructions for extending your coverage 5 days prior to your Beacon plan termination.
  • Acute onset of Pre-x coverage: The Beacon Series offers coverage up to $15,000 (including emergency medical evacuation) for existing conditions which are not undergoing treatment, including medication or therapy of any kind.
  • ID card & Visa Letter comes in email instantly.

Diplomat Long Term - Excluding USA

Plan Administrator: Global Underwriters | AM Best Rating: A+ "Superior" | Underwriter: United States Fire Insurance Company

  • PPO Network(Outside USA): This plan will pay 100% of Covered Expenses outside the USA up to policy max.
  • Eligibility: US Citizen/ Non US citizen Age 0-99 traveling Outside their Home Country Excluding USA.
  • Coverage length: Min 3 Months up to max 1year.
  • Provider Network: Visit any doctor/ hospital.
  • Renew Online: Min 1 month.
  • ID card & Visa Letter comes in email instantly.

Liaison Travel Elite - Excluding USA

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent"  | Underwriter: Lloyd's of London

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 3 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: With a primary health plan: Age (0-64) Up to the Medical Maximum; Without a primary health plan: Age (0-64) Up to $50,000; Age (65 to 99) Upto $2,500
  • Co-Insurance:After deductible is paid by insured, plan pays 100% up to policy maximum
  • PPO Network: Provides Well board PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Liaison Travel Choice - Including USA

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent"  | Underwriter:  United States Fire Insurance Company & Lloyd's of London

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 365 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under age 70: Up to Maximum $30,000; Age 70-99:Up to Maximum $5,000.
  • Co-Insurance:
    In Network:- Plan pays 90% of first $5,000 and then 100% up to policy max
    Out-of-Network: Outside of PPO network, plan pays 80% of first $5,000 and then 100% up to policy max.
  • PPO Network: Provides United Health Care PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Liaison Travel Choice - Excluding USA

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent"  | Underwriter:  United States Fire Insurance Company & Lloyd's of London

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 3 years, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Age (0-69) : up to $50,000 ; Age 70 & over : up to $10,000
  • Co-Insurance:After deductible is paid by insured, plan pays 100% up to policy maximum
  • PPO Network: Provides Well board PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

WorldMed - Inbound

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility: Non US citizen age 0-99  traveling outside their home country.
  • Coverage length - Minimum 5 days to maximum 364 days.
  • Acute Onset of Pre-X Coverage: Ages 65 and above: $2,500 All others: $20,000
  • Provider Network: Member will be receiving treatment by accessing the Internet website for HCC Medical Insurance Services, LLC at: www.hccmis.com.
    PPO Network: Claims incurred in U.S.-
    In Network Payment: Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
    Out-of-Network Payment: Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • ID card & Visa Letter comes in email instantly. 

WorldMed - Outbound

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: Lloyd's of London

  • Eligibility: Non US citizen age 0-99 traveling outside their home country.
  • Coverage Length: Minimum 5 days to maximum 364 days.
  • Acute Onset of Pre-X Coverage: Ages 65 and above: $2,500 All others: $20,000
  • Provider Network: Member will be receiving treatment by accessing the Internet website for HCC Medical Insurance Services, LLC at: www.hccmis.com.
    PPO Network: Claims incurred in U.S.-
    In Network Payment: Within the PPO: We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.
    Out-of-Network Payment: Outside the PPO: Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • ID card & Visa Letter comes in email instantly

USAway International Major Medical Plan

Plan Administrator: Petersen International Underwriters

  • Eligibility: US Citizen/ Non US Citizen Age 0-84 traveling outside USA.
  • Coverage Length: Maximum term length of 11 months.
  • Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within a specified geographic area will be reimbursed to you.
  • This insurance is not subject to, and does not provide certain of the insurance benefits required by, the United States’ Patient Protection and Affordable Care Act (‘ACA’). This insurance does not provide, and Insurers do not intend to provide, minimum essential coverageunder ACA.
  • Benefits may be assignable directly to the providers once a claim has been reviewed and completed.
  • ID card & Visa Letter comes in email instantly.

Wander Frequent Traveler

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London & Tramont Insurance Company Ltd.

  • In PPO network (In USA): After you pay the deductible, we pay 90% of the next $5,000 of eligible expenses, then 100% up to policy max.
  • Outside the united states and canada: After you pay the deductible, we pay 100% to your medical maximum.
  • Eligibility: US Citizen or Non- US Citizen 0-99 travelling outside their country of citizenship.
  • Coverage length: Your policy period is 364 days.
  • Provider Network: Direct Billing through MultiPlan PPO Network.
  • ID card & Visa Letter comes in email instantly.

GlobeHopper Platinum Travel Medical Cover

Plan Administrator:  International Medical Group | AM Best Rating: A "Excellent" | Underwriter: Sirius International

  • Outside PPO network (In USA & Canada): The Plan pays 90% of eligible expenses up to $5000 / £3,000 / £4000 then up to policy max.
  • Eligibility: Non US citizen age 0-99 traveling to USA.
  • Coverage length: Min 5 days up to max 12 months.
  • Provider Network: Direct Billing through IMG Europe.
  • Renew Online: Renewals are available in whole month or daily increments and may be completed online.
  • Acute onset of Pre-x coverage: will pay up to $20,000 / £12,500 / €15,000 lifetime for medical expenses and emergency medical evacuation.
  • ID card & Visa Letter comes in email instantly.

Liaison Travel Economy - Including USA

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 365 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under age 70: Up to Maximum $15,000; Age 70-99:Up to Maximum $2,500.
  • Co-Insurance:
    In Network: Plan pays 80% of first $5,000 and then 100% up to policy max
    Out-of-Network: Outside of PPO network, plan pays 70% of first $5,000 and then 100% up to policy max.
  • PPO Network: Provides United Health Care PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

Liaison Travel Economy - Excluding USA

Plan Administrator: Seven Corners | AM Best Rating: A "Excellent" | Underwriter: Lloyd's

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Policy can be renewed up to maximum of 365 days, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition:Age (0-69) : up to $25,000 ; Age 70 & over : up to $5,000.
  • Co-Insurance:After deductible is paid by insured, plan pays 100% up to policy maximum
  • PPO Network: Provides Well board PPO Network, Check for Doctors and Providers Available.
  • ID Card & Visa Letter comes in email instantly.

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