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Fixed Coverage Plans

Visit USA HealthCare - Budget

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

  • Coverage Area: Non-US citizen ( age 0-99) traveling outside home country.
  • Coverage Length: up to 364 days.
  • Acute Onset of Pre-existing No Coverage: Under Age 65:- Up to $20,000 & Age (65 to 99):-$2,500.
  • Renewable: No
  • Cancel: Yes only prior to effective date.
  • ID Card: Comes in email to download.

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. 

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.

Patriot International Platinum

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

  • Coverage Area: (age 0 to 80+) worldwide excluding Insured Person’s Country of Residence & USA.
  • 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: US citizens: (Age 64 and under without Primary Health Plan: Max Limit: $20,000) (Age 64 and under with Primary Health Plan: Up to the Period of Coverage limit) (Age 65 through age 69: Max Limit $2,500).
  • Co-Insurance: After deductible, plan pays 100% up to policy maximum.
  • PPO Network: Provides International Provider Access.
  • ID Card & Visa Letter comes in email instantly.

Visit USA HealthCare - Standard

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

  • Coverage Area: Non-US citizens (age 0-99) traveling outside home country.
  • Coverage Length: up to 364 days.
  • Acute Onset of Pre-existing Condition: $20,000 up to age 64. $2,500 for age 65 and above. Excludes chronic and congenital conditions.
  • Co-Insurance: Within PPO network in USA, after deductible plan pays 100% up to policy maximum. Outside PPO network in USA, plan pays Usual, Reasonable, and customary (URC). You will pay charges exceeding the payable amount. Outside USA, after deductible plan pays 100% up to policy maximum.
  • PPO Network: United Healthcare network.
  • ID Card: comes in email to download.

Visit USA HealthCare - Superior

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

  • Coverage Area: Non-US citizens (age 0-99) traveling outside home country.
  • Coverage Length: up to 364 days.
  • Acute Onset of Pre-existing Condition: $20,000 up to age 64. $2,500 for age 65 and above. Excludes chronic and congenital conditions.
  • Co-Insurance: Within PPO network in USA, after deductible plan pays 100% up to policy maximum. Outside PPO network in USA, plan pays Usual, Reasonable, and customary (URC). You will pay charges exceeding the payable amount. Outside USA, after deductible plan pays 100% up to policy maximum.
  • PPO Network: United Healthcare network.
  • ID Card: comes in email to download.

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