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Visitor Insurance (travel outside USA) | Travel Health Insurance

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.

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 International Lite

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

  • Coverage Area: Provides United Healthcare PPO Network (age 0 to 80+) worldwide excluding Insured Person’s Country of Residence & United States.
  • 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:  United States citizens: Age 64 and under without a Primary Health Plan: Maximum Limit: $20,000.  Age 64 and under with a Primary Health Plan: Up to the Period of Coverage limit.  Age 65 through age 69: Maximum Limit: $2,500. Non US Citizens: Age 69 and under: up to policy max.
  • Coinsurance:  After deductible, plan pays 100 % up to policy maximum.
  • PPO Network: Provides United Healthcare PPO Network
  • ID card & Visa Letter comes in email instantly.

Complete details are given in certificate of insurance.

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.

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 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 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 - 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.

InterMedical

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

  • Coverage Area: US & Non-US citizens (age 0 to 80+) traveling outside home country, excluding USA.
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition (excludes chronic and congenital conditions): Up to policy max for age under 60. $20,000 for age 60 to 79. $5,000 for age 80 & above.
  • Co-Insurance: In-network: After deductible 100% up to policy max. Out-Network: URC up to policy max.
  • PPO Network: United Health Network.
  • ID Card: Link comes in email to download.

Atlas Premium 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 to 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.

Atlas Essential 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.
  • Co-Insurance: Within the PPO - Plan pays 70% of eligible expenses after the deductible to the overall maximum limit. Outside the PPO - Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • ID Card: Link comes in email to download.

Safe Travels Outbound

Plan Administrator: Trawick International | AM Best Rating: A+ | Underwriter: National Mutual Insurance

  • 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 180 days.
  • Renew Online: Non-Renewable.
  • Acute Onset of Pre-existing Condition: No Coverage.
  • Renew Online: Non-Renewable
  • Co-Insurance: Not Applicable.
  • PPO Network: No PPO Network, visit any doctor.
  • ID Card & Visa Letter comes in email instantly.

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