Accidental Death and Dismemberment Insurance Plan (AD&D)

Fixed Coverage Plans

VisitorSecure

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

  • Coverage Area: US & Non-US citizens (age 0 to 99) traveling outside home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition under age 70: Plan A $50,000, Plan B $75,000, Plan C & D $100,000. $25,000 for emergency medical evacuation.
  • No Network: Visit any doctor/hospital.
  • ID Card: Link comes in email to download.
  • Note: Individuals coming to USA who are over age 65, coverage must be effective within 30 days of arrival.

Visitors Care

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

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling USA.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to max of 24 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: Under age 70 (Plan Lite $25,000), (Plan Plus $50,000), (Plan Platinum $100,000).
  • No Network: Visit any doctor/hospital.
  • ID card: Link comes in email to download.

Complete details are given in certificate of insurance.

Comprehensive Coverage Plans

Atlas America

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

  • Coverage Area: Non-US citizens (age 0 to 99) traveling outside home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition: Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • Co-Insurance: After deductible, plan will pay 100% of eligible expenses up to policy max.
  • PPO Network: United Heathcare Network.
  • ID Card: Link comes in email to download. 

Atlas International

Plan Administrator: WorldTrips | Underwriters: Lloyd’s Syndicate 4141 | A M Best Rating: A ‘Excellent’

  • Coverage Area: US and Non-US citizens (age 0 to 99) traveling outside USA and outside home country.
  • Coverage Length: Min 5 days up to max 12 months.
  • Acute Onset of Pre-existing Condition under age 80: Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
  • Co-Insurance: After deductible, plan pays 100% eligible expenses up to policy maximum.
  • ID Card: Link comes in email to download.

Patriot America Lite

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

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling outside country of residence.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to a max of 24 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: No Coverage
  • Coinsurance:  In Network USA: After deductible, plan pays 100 % up to policy maximum.
    Out-of-Network USA: After the deductible, plan pays 80%.
  • PPO Network: Provides United Healthcare PPO Network
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

Patriot America Plus

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

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling outside country of residence.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to a max of 24 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation.
  • Coinsurance: In-Network-US: After deductible, plan pays 100 % up to policy max.
  • Out-Network-US: After deductible, plan pays 80% of $5,000 then 100% up to policy max.
  • PPO Network: United Healthcare Network & First Health Network.
  • ID card: Link comes in email to download.

Complete details are given in certificate of insurance.

Patriot America Platinum

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

  • Coverage Area: Non-US citizens (age 0 to 80+) traveling outside country of residence.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Renewable up to a max of 36 months. $5 Renewal fees apply.
  • Acute Onset of Pre-existing Condition: Under age 70 years, $1,000,000 limit. Emergency Medical Evacuation $25,000.
  • Coinsurance:  In-Network-US: After deductible, plan pays 100 % up to policy max. Out-Network-US: After deductible, plan pays 90% of $5,000 then 100% up to policy max
  • PPO Network: United Healthcare Network & First Health Network.
  • ID card: Link comes in email to download.

Safe Travels USA

Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ ‘Superior’

  • Coverage Area: Non-US citizens reside outside US & are traveling outside Home Country to visit solely US, or visit combination of US & other countries Worldwide (certain countries may be restricted at different times). Insured must arrive in the USA before traveling to other countries.
  • Coverage Length: Minimum 5 days up to 364 days
  • Acute Onset of Pre-existing Condition: $1,000 per Policy Period for unexpected recurrence of a pre-existing condition.
  • Co-Insurance: 90% of the first $2,500 then 100% up to the Policy Maximum
  • PPO Network: First Health Network.
  • ID Card: Link comes in email to download.

Safe Travels International

Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ 'Excellent'

  • Coverage Area: Non-US citizens residing & traveling outside home country excluding USA & excluding restricted countries.
  • Coverage Length: Minimum 5 days to 364 days.
  • Unexpected Recurrence of a Pre-Existing Condition: Up to $1,000 per period of insurance for below 70 years.
  • Co-Insurance: 100% after the deductible in-network. 80% of first $5,000 after deductible out-of-network.
  • ID Card: Link comes in email to download.

Safe Travels International Cost Saver

Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ ‘Superior

  • Coverage Area: Non-US citizens reside outside US & are traveling outside of Home Country & not traveling to US or other restricted countries.
  • Coverage Length: Minimum 5 days to 364 days.
  • Unexpected recurrence of a pre-existing condition: Up to $1,000 per period of insurance for below 70 years.
  • Co-Insurance: 80% of the first $5,000 of eligible Charges then 100% up to the Medical Maximum.
  • ID Card: Link comes in email to download.

Diplomat America

Plan Administrator: Global Underwriters | AM Best Rating : "A" (Excellent) | Underwriter: C&F Cayman SPC for and on behalf of ITI SP

  • Coverage Area: Non-US citizen (age 0-99) traveling outside home country to USA.
  • Coverage Length: Minimum 15 days to maximum 365 days.
  • Acute Onset of Pre-existing Condition under age 70: $10,000.
  • Co-Insurance: After deductible, plan pays 80% up to $5,000 then 100% up to policy maximum.
  • Renew: Not Renewable
  • No PPO Network: Visit any doctor/hospital.
  • ID Card: Comes in email to download.

Diplomat Long Term - Including USA

Plan Administrator: Global Underwriters | AM Best Rating : "A" (Excellent) | Underwriter: C&F Cayman SPC for and on behalf of ITI SP

  • Coverage Area: People (age 0-99) traveling outside home country.
  • Coverage Length: 90 days to 365 days.
  • Acute Onset of Pre-existing Condition: For US Citizens up to $20,000 for age under 65 years and $2,500 for age 65 to 99 years. For Non-US citizens age below 70 years up to $10,000 medical maximum.
  • Co-Insurance: After you pay deductible, plan pays 80% up to $5,000 of eligible costs, then plan pays 100% up to medical maximum.
  • Renew: Renewal coverage may be purchased for up to 365 days at a time, to a maximum of 3 years.
  • Cancel: Prior to effective date of policy & $25 fee deducted.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card: Comes in email to download.

Diplomat International

Plan Administrator: Global Underwriters | AM Best Rating: A "Excellent" | Underwriter: HDI Global Specialty SE

  • EligibilityPeople traveling outside home country (excluding USA).
  • Coverage Length: Min 5 days up to 365 days.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewable fees $10 applies.
  • Coinsurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

Beacon America

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

  • Coverage Area: Non-US citizens (age 0 to 99) traveling to USA (outside home country).
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition (AOPC) under age 70: Policy max $550,000 or higher, sub-limit of $150,000 for AOPC. All other policy max, sub-limit $50,000 for AOPC. Emergency Medical Evacuation $25,000 Sub-Limit.
  • Co-Insurance: In-network, waive co-insurance. Out-network, 80% of next $5,000 then 100%. Deductible apply.
  • PPO Network: United Healthcare (UHCG) provider network
  • ID Card: Link comes in email to download.

Beacon International

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

  • Coverage Area: Non-US & US citizens (age 0 to 99) traveling outside USA.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition (AOPC) under age 70: Policy max $550,000 or higher, sub-limit of $150,000 for AOPC. All other policy max, sub-limit $50,000 for AOPC. Emergency Medical Evacuation $25,000 Sub-Limit.
  • Co-Insurance: After deductible, 100% up to policy max.
  • No Network: Visit any doctor, hospital & other.
  • ID Card: Link comes in email to download.

Diplomat Long Term - Excluding USA

Plan Administrator: Global Underwriters | AM Best Rating : "A" (Excellent) | Underwriter: C&F Cayman SPC for and on behalf of ITI SP

  • Coverage Area: People (age 0-99) traveling outside home country.
  • Coverage Length: Minimum 3 months to maximum 36 months.
  •  Acute Onset of Pre-existing Condition: For US Citizens up to $20,000 for age under 65 years and $2,500 for age 65 to 99 years. For Non-US citizens age below 70 years up to $10,000
    medical maximum.
  • Co-Insurance: After you pay deductible, plan pays 80% up to $5,000 of eligible costs, then plan pays 100% up to medical maximum.
  • Renew: Renewal coverage may be purchased for up to 365 days at a time, to a maximum of 3 years.
  • Cancel: Prior to effective date of policy & $25 fee deducted.
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card: Comes in email to download.

WorldMed - Inbound

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

  • Coverage Area: Non-US citizens (age 0-64) traveling outside their home country.
  • Coverage Length: Min 5 days to max 364 days.
  • Acute Onset of Pre-existing Condition: $200,000 for under age 60. $20,000 for age 60 to 64. Excludes chronic and congenital conditions.
  • Co-Insurance: Inside US within PPO –  After ded, 100% up to policy max. Inside US but outside PPO – After ded, URC up to policy max . Outside US – After ded, 100% up to policy max.
  • PPO Network: United Healthcare
  • ID Card: Comes in email to download.

WorldMed - Outbound

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

  • Coverage Area: US & Non-US citizens (age 0-64) traveling outside home country but not US or US territories.
  • Coverage Length: Minimum 5 days to maximum 364 days.
  • Acute Onset of Pre-existing Condition: $200,000 for under age 60. $20,000 for age 60 to 64. Excludes chronic and congenital conditions.
  • Co-Insurance: Outside US – After deductible, 100% up to policy max.
  • PPO Network: Visit any doctor/hospital.
  • ID Card: Comes in email to download.

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.

We are happy to help you!

Get in touch at 1-510-353-1180

Connect with us

Sign up for free travel guide and special offers

We promise to keep it to ourselves!