AD&D Insurance Plans

Fixed Coverage Plans

VisitorSecure

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

  • Eligibility: Non US citizen age  at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 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 citizens aged 0-99 traveling outside their home country.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Policy can be renewed up to maximum of 24 months, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: Under 70 Age Plan A($25,000), Plan B($50,000), Plan C($100,000).
  • Coinsurance:  Not Applicable.
  • PPO Network: Visit any doctor/hospital.
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

Comprehensive Coverage Plans

Atlas America

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

  • Eligibility: Non US citizen age at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 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 United Healthcare PPO Network.
  • 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: WorldTrips | 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.
  • 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.

Patriot America Lite

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

  • Eligibility: Non-US citizens aged 0-99 traveling outside their home country.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Policy can be renewed up to maximum of 24 months, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: No Coverage
  • Coinsurance:  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%.
  • 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

  • Eligibility: Non-US citizens aged 0-99 traveling outside their home country.
  • Coverage Length: Min 5 days up to 12 months.
  • Renew Online: Policy can be renewed up to maximum of 24 months, also Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: No Coverage
  • Coinsurance:  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%.
  • PPO Network: Provides United Healthcare PPO Network
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

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.
  • ID Card & Visa Letter comes in email instantly.

Safe Travels USA

Plan Administrator: Trawick International | AM Best Rating: A | Underwriter: Crum and Forster, SPC

  • Eligibility:Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: - Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date.
  • Acute Onset of Pre-existing Condition: Up to the first $1,000 of Covered Expenses.
  • Co-Insurance: In Network - up to 100% Out of Network - 80%-$5,000 Outside of USA - up to 100%
  • PPO Network: Provides First Health PPO Network.
  • ID Card & Visa Letter comes in email instantly.

Safe Travels International

Plan Administrator: Trawick International | AM Best Rating: A | Underwriter: Crum and Forster, SPC

  • Eligibility: Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date..
  • Co-InsuranceIn Network - 100% up to the Policy Maximum after the deductible
  • ID Card & Visa Letter comes in email instantly

Safe Travels International Cost Saver

Plan Administrator: Trawick International | AM Best Rating: A | Underwriter: Crum and Forster, SPC

  • Eligibility: Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date..
  • Co-InsuranceIn Network - 100% up to the Policy Maximum after the deductible
  • ID Card & Visa Letter comes in email instantly.

Diplomat America

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

  • Eligibility: Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 3 months up to max 364 days.
  • Renew Online:Policy can be renewed up to 1 year to a maximum of 3 years.
  • Acute Onset of Pre-existing Condition: Under Age 65 :- Up to $20,000 ; Age 65 and older :Up to $2,500.
  • Co-Insurance:After the Deductible, the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses
  • PPO Network: No PPO Network Available, Visit any doctor/hospital.
  • ID Card & Visa Letter comes in email instantly.

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

  • Eligibility:Non US citizen age 0-99 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 3 months up to max 36 months.
  • Renew Online: Policy can be renewed up to maximum of 364 days, also Renewable fees $10 applies.
  • Acute Onset of Pre-existing Condition: Under Age 65 :- Up to $20,000; Age (65 to 99):-Up to $2,500.
  • Co-Insurance:
    After the Deductible, the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card & Visa Letter comes in email instantly.

Diplomat International

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

  • Eligibility: Non-US citizens aged 0-99 traveling outside their home country.
  • 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

  • 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 to 728 days
  • Renew Online:  Renewal fees of $5 applies.
  • Acute Onset of Pre-existing Condition: $150,000 Sub-Limit for Maximum Limits purchased for $550,000, $1,100,000 or $2,000,000; All other Maximum Limits purchased will have a $50,000 Sub-Limit, Emergency Medical Evacuation $25,000 Sub-Limit, only available to Participating Members under the age of 70.
  • Co-Insurance:
    In Network: After the Deductible the Plan will pay 80% of the next $5,000 of Eligible Medical Expenses, then 100% to the Maximum Limit. The Coinsurance will be waived if Eligible Medical Expenses are incurred within the Preferred Provider Organization Network
  • PPO Network: United healthcare PPO Network
  • 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

  • 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 364 days.
  • Renew Online: Policy can be renewed up to 364 days to maximum 728 days depending upon citizenship.
  • Acute Onset of Pre-existing Condition $150,000 Sub-Limit for Maximum Limits purchased for $550,000, $1,100,000 or $2,000,000; All other Maximum Limits purchased will have a $50,000 Sub-Limit, Emergency Medical Evacuation $25,000 Sub-Limit, only available to Participating Members under the age of 70.
  • Co-Insurance: After the Deductible the Plan will pay 100% of Eligible Medical Expenses to the Maximum Limit
  • PPO Network: No PPO Network, visit any doctor/Hospital.
  • ID Card & Visa Letter comes in email instantly.

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

  • 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 3 months up to max 364 days.
  • Renew Online:Policy can be renewed up to maximum of 364 days, also Renewable fees $10 applies.
  • Acute Onset of Pre-existing Condition: Under Age 65 :- Up to $20,000; Age (65 to 99):-Up to $2,500.
  • Co-Insurance:
    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.

WorldMed - Inbound

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

  • Eligibility:Non US citizen age 0-69 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing Condition: Under Age 60 :- Up to $200,000 ; Age 60-69 :Up to $20,000.
  • 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 Network.
  • 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 0-69 traveling to USA and traveling outside their home country.
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:Non-Renewable.
  • Acute Onset of Pre-existing Condition: Under Age 60 :- Up to $200,000 ; Age 60-69 :Up to $20,000.
  • 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
  • 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.

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