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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

  • Eligibility:People traveling outside home country (excluding continental US, Alaska, Hawaii, Puerto Rico, & US Virgin Islands).
  • 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

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 International Lite

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

  • Coverage Area: Worldwide excluding the Insured Person’s Country of Residence and the USA.
  • 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 Platinum International

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

  • Coverage Area: US citizens traveling outside the 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 Citizen: Under Age 64 without primary health plan, Max up to $20,000. Under Age 64 with primary health plan, Max up to $1,000,000. Age (65-69) up to $2,500.
    Non- US Citizen: Under Age 70, up to max. limit $1,000,000.
  • 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 | AM Best Rating: A | Underwriter: Crum and Forster, SPC

  • Eligibility: Non-US citizens traveling outside home country (excluding USA).
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Minimum 5 days renewal.
  • Co-InsuranceIn Network - 100% up to the Policy Maximum
  • 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 citizens traveling outside home country (excluding USA).
  • Coverage Length: Min 5 days up to max 364 days.
  • Pre-exisiting condition: Limited Coverage for an unexpected recurrence of a Pre-Existing Condition.
  • Renewal – Minimum 5 days renewal.
  • Co-InsuranceIn -  80% up to $5000 then 100% up to the Policy Maximum
  • ID Card & Visa Letter comes in email instantly.

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

  • Eligibility: People traveling outside home country (excluding USA).
  • 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: People traveling outside home country (excluding USA).
  • 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 - 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.

InterMedical - Plan A

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: United States Fire Insurance Company

  • Eligibility: Non US Citizens and Non US Residents age 0-99 while 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: Age 80 or older: $5,000,Ages 60 to 79: $20,000 Under age 60: Up to the overall maximum limit .
  • 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, Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • PPO Network: Provides United Healthcare PPO Network
  • ID Card & Visa Letter comes in email instantly.

InterMedical - Plan B

Plan Administrator: USI Affinity Travel Insurance Services | AM Best Rating: A+ "Superior" | Underwriter: United States Fire Insurance Company

  • Eligibility: U.S. Citizens and Non US citizen age 0-99 are eligible for visiting outside their home country excluding USA
  • Coverage Length:Min 5 days up to max 364 days.
  • Renew Online:No Coverage.
  • Acute Onset of Pre-existing Condition: Age 80 or older: $5,000,Ages 60 to 79: $20,000 Under age 60: Up to the overall maximum limit .
  • 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, Usual, reasonable, and customary. You may be responsible for any charges exceeding the payable amount.
  • PPO Network: Provides Equian International PPO Network
  • ID Card & Visa Letter comes in email instantly.

Atlas Premium International

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

  • Eligibility: People of age 14 days to 99 years are eligible visiting outside home country (excluding USA).
  • Coverage Length: Min 5 days up to max 365 days.
  • Acute Onset of Pre-existing Condition: Up to the overall maximum limit. $25,000 lifetime maximum for Emergency Medical Evacuation
  • Co-Insurance: 100% of eligible expenses, after the deductible, to the overall maximum limit
  • ID Card & Visa Letter comes in email instantly.

Atlas Essential International

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

  • Eligibility: People of age 14 days to 99 years are eligible visiting outside home country (excluding USA).
  • Coverage Length: Min 5 days up to max 365 days.
  • Co-Insurance: 75% of eligible expenses after the deductible to the overall maximum limit.
  • ID Card & Visa Letter comes in email instantly.

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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