Visitor Insurance

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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: Non US citizen age  at least 14 days to 99 yrs traveling to USA and traveling outside their home country.
  • 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

  • Eligibility: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and excluding USA.
  • Coverage Length: Min 5 days up to max 365 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: Up to the overall maximum limit Up to $25,000 lifetime maximum for Emergency Medical Evacuation
  • Co-Insurance: After deductible is paid by insured, plan pays 100% up to policy maximum
  • PPO Network: Provides Equian International PPO Network.
  • ID Card & Visa Letter comes in email instantly.
  • Note: Not available for North Korea, Syria, Iran and Cuba.
  • Members cannot be located in the following locations at the time of purchase: Maryland, Washington, Canada, New York, Australia.

Patriot International 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:  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
  • Coinsurance:  After deductible is paid by insured, 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

  • 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 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: 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 $2500.
    Non- US Citizen:Under Age 70: - Up to the Period of Coverage limit or $1,000,000
  • Co-Insurance:After deductible is paid by insured, 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 citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date..
  • Co-InsuranceIn Network - 100% up to the Policy Maximum after the deductible
  • 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 citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date..
  • Co-InsuranceIn Network - 100% up to the Policy Maximum after the deductible
  • ID Card & Visa Letter comes in email instantly.

Diplomat International

Plan Administrator: Global Underwriters | AM Best Rating: A "Excellent" | Underwriter: HDI Global Specialty SE

  • Eligibility: Non-US citizens aged 0-99 traveling outside their home country.
  • 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: 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 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: 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 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.

Safe Travels USA Cost Saver

Plan Administrator: Trawick International | AM Best Rating: A | Underwriter: Crum and Forster, SPC

  • Eligibility:Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 364 days.
  • Renew Online: Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date.
  • Acute Onset of Pre-existing Condition:Up to the first $1,000 of Covered Expenses.
  • Co-InsuranceIn Network - up to 100% Out of Network - 80%-$5,000 Outside of USA - up to 100%
  • 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: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and 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: 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 Essential International

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

  • Eligibility: U.S. Citizens and Non-U.S. Citizens who are at least 14 days to 99 yrs of age are eligible for people visiting outside their home country and excluding USA.
  • Coverage Length: Min 5 days up to max 365 days.
  • Acute Onset of Pre-existing Condition: No Coverage Available.
  • Co-Insurance:  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.

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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