Immigrant Insurance

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Best Health Insurance Coverage Plans for Immigrants

Fixed Coverage Plans

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 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.

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.

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.

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