Short term medical comparison sheet

Please note that the purpose of this comparison sheet is only to provide a brief general overview of the various plans. Detailed information on-line may be viewed when you click on the individual Company shown below. (Return to Home Page)
Benefits	IMG		HTH WorldWide TravelGap Single Trip		MultiNational Underwriters		Seven Corners, Inc	Global Underwriters
	Patriot International	Patriot America	Voyager	Excursion	Atlas International	Atlas America	Liaison International	Diplomat International	Diplomat America
Eligibility	Eligibility U.S. citizens traveling outside of the U.S.	Eligibility Non U.S. citizens traveling outside of their Home Country	Eligibility Resident of the U.S. traveling outside of the U.S.	Eligibility Resident of the U.S. traveling outside of the U.S. Must also be enrolled in a primary medical plan	Eligibility U.S. Citizens and Non U.S. citizens traveling outside of the U.S.	Eligibility Non-U.S. citizens traveling to the U.S.	Eligibility Individuals & families traveling outside of their Home Country	Eligibility Individuals & families traveling outside of their Home Country but not to the U.S.	Eligibility Foreign Nationals visiting the U.S.
Maximum Benefits	Maximum Benefit Choose from $50,000 $100,000, $500,000, $1,000,000 or $2,000,000	Maximum Benefit Choose from $50,000 $100,000, $500,000, $1,000,000	Maximum Benefit Choose from $75,000, $150,000, $500,000 or $1,000,000	Maximum Benefit Choose from $75,000, $150,000, $500,000 or $1,000,000	Maximum Benefits Choose from $50,000, $100,000, $250,000, $500,000 or $1,000,000	Maximum Benefits Choose from $50,000, $100,000, $250,000, $500,000 or $1,000,000	Maximum Benefits Choose from $50,000, $100,000, $500,000 or $1,000,000	Maximum Benefits Choose from $50,000, $100,000, $500,000 or $1,000,000	Maximum Benefits Choose from $50,000, $100,000, $250,000 or $500,000 for accidents. Illness limited to $1,000 for 1st 30 days & then maximums shown above.
Deductibles	Deductibles Choose from $0, $100, $250, $500, $1,000 or $2,500	Deductibles Choose from $0, $100, $250, $500, $1,000 or $2,500	Deductibles Choose from $0, $50, $250, $500	Deductibles Choose from $0, $50, $250, $500	Deductibles Choose from $0, $100, $250, $500, $1,000 or $2,500	Deductibles Choose from $0, $100, $250, $500, $1,000 or $2,500	Deductibles Choose from $0, $100, $250, $500, $1,000 or $2,500	Deductibles Choose from $100, $250, $500, $1,000 or $2,500	Deductibles Choose from $100, $250, $500, $1,000 or $2,500
Coinsurance	Coinsurance outside of U.S. and Canada Plan pays 100% of eligible expenses after the deductible up to the selected maximum	Coinsurance inside of U.S. and Canada "in Network" Plan pays 90% of eligible expenses after the deductible up to $5,000 and then 100% up to the selected maximum "Out of Network" Plan pays80% of eligible expenses after the deductible up to $5,000 and then 100% up to the selected maximum	Coinsurance outside of U.S. and Canada Plan pays 100% of eligible expenses after the deductible up to the selected maximum	Coinsurance outside of U.S. and Canada Plan pays 100% of eligible expenses after the deductible up to the selected maximum	Coinsurance outside of U.S. and Canada Plan pays 100% of eligible expenses after the deductible up to the selected maximum	Coinsurance inside of U.S. and Canada Plan pays 80% of eligible expenses after the deductible up to $5,000 and then 100% up to the selected maximum	Coinsurance outside of U.S. and Canada Plan pays 100% of eligible expenses after the deductible. In the U.S. & Canada the plan pays 80% of the next $5,000 & then 100% to the selected maximum	Coinsurance outside of U.S. and Canada Plan pays 100% of eligible expenses after the deductible up to the selected maximum	Coinsurance inside of U.S. Plan pays 80% of eligible expenses after deductible up to $5,000 and then 100% up to the selected maximum
Dental Emergency	Dental Emergency Injury due to accident covered up to medical maximum. Treatment for sudden unexpected pain to sound natural teeth covered up to $100	Dental Emergency Injury due to accident covered up to medical maximum. Treatment for sudden unexpected pain to sound natural teeth covered up to $100	Dental Emergency For relief of pain covered up to $100 If due to accident up to $200	Dental Emergency For relief of pain covered up to $500	Dental Emergency If due to accident covered up to selected maximum. For acute onset of pain covered up to $100	Dental Emergency If due to accident covered up to selected maximum. For acute onset of pain covered up to $100	Dental Emergency If due to accident covered up to $500. For acute onset of pain covered up to $100 (Available only if plan purchased for one month or more.	Dental Emergency Covered if treatment is due to accident. For treatment of unexpected pain to sound, natural teeth payable up to $100 per tooth.	Dental Emergency Covered if treatment is due to accident.
Outpatient Medical Expenses	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum	Outpatient Medical Expenses Usual, reasonable & customary charges to the selected Policy Maximum
Emergency Medical Evacuation	Emergency Medical Evacuation Up to the selected policy maximum when coordinated through the Plan Administrator	Emergency Medical Evacuation Up to the selected policy maximum when coordinated through the Plan Administrator	Emergency Medical Evacuation Maximum Benefit per Trip Period for all evacuations up to $500,000	Emergency Medical Evacuation Maximum Benefit per Trip Period for all evacuations up to $500,000	Emergency Medical Evacuation Air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment	Emergency Medical Evacuation Air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment	Emergency Medical Evacuation Up to $100,000 in addition to the selected Medical Maximum	Emergency Medical Evacuation Up to $100,000 maximum.	Emergency Medical Evacuation Up to $100,000 maximum.
Hazardous Activity Coverage	Hazardous Activity Coverage Optional Leisure or Extreme Sports Riders are available	Hazardous Activity Coverage Optional Leisure or Extreme Sports Riders are available	Hazardous Activity Coverage Claims resulting from downhill skiing & scuba diving covered up to a maximum of $10,000	Hazardous Activity Coverage Claims resulting from downhill skiing & scuba diving covered up to a maximum of $10,000	Hazardous Activity Coverage Optional rider available	Hazardous Activity Coverage Optional rider available	Hazardous Activity Coverage Optional rider available	Hazardous Activity Coverage Optional rider available	Hazardous Activity Coverage Optional rider available
Pre-Existing Medical Conditions	Pre-Existing Medical Conditions Up to $15,000 for eligible expenses for a sudden recurrence of a pre-existing condition for U.S. citizens	Pre-Existing Medical Conditions Coverage Excluded	Pre-Existing Medical Conditions Coverage Excluded 6 month look back period	Pre-Existing Medical Conditions Not subject to the Pre-Existing Exclusion	Pre-Existing Medical Conditions Up to $15,000 for eligible expenses for a sudden recurrence of a pre-existing condition for U.S. citizens	Pre-Existing Medical Conditions Coverage Excluded	Pre-Existing Medical Conditions Up to $15,000 for U.S. citizens traveling outside the U.S. and Canada	Pre-Existing Medical Conditions Coverage Excluded (3 year look back) see online for details	Pre-Existing Medical Conditions Coverage Excluded (3 year look back) see online for details
Underwritten by	Underwritten by SIRIUS... Rated A (Superior) by A.M. Best	Underwritten by SIRIUS... Rated A (Superior) by A.M. Best	Underwritten by UNICARE life and Health Insurance Co. ... Rated A- by A.M. Best	Underwritten by UNICARE life and Health Insurance Co. ... Rated A- by A.M. Best	Underwritten by Lloyds... rated A (Superior) by A.M. Best	Underwritten by Lloyds... rated A (Superior) by A.M. Best	Underwritten by Virginia Surety Co. Rated A- by A.M. Best	Underwritten by The Insurance Company of the State of Pennsylvania a member of AIG rated A++ Superior by A.M.Best	Underwritten by The Insurance Company of the State of Pennsylvania a member of AIG rated A++ Superior by A.M.Best
Please note that the above comparison sheet is a brief overview of the top medical travel insurance plans. Check online for complete details and latest updates. Benefits may vary based upon age of the applicants.