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

  • Eligibility:Non-US residents traveling to the USA.
  • 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 International

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

  • EligibilityPeople traveling outside home country (excluding USA)
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online:Renewable up to maximum of 364 days. $5 fees apply.
  • 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 100% up to policy maximum.
  • ID Card & Visa Letter comes in email instantly.

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: Under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation
  • COVID-19 Coverage: Up to Policy Maximum (Contraction and Treatment must occur after effective date)
  • 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.

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 $1,000,000.
  • 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.

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.

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.

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