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
|
MultiNational Underwriters |
Seven Corners, Inc |
Global Underwriters
|
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Patriot International | ||||||||||
Eligibility |
Eligibility |
Eligibility |
Eligibility |
Eligibility |
Eligibility |
Eligibility |
Eligibility |
Eligibility |
Eligibility |
|
Maximum Benefits | Maximum Benefit Choose from $50,000 $100,000, $500,000, $1,000,000 or $2,000,000 |
Maximum Benefit |
Maximum Benefit |
Maximum Benefit |
Maximum Benefits |
Maximum Benefits Choose from $50,000, $100,000, $250,000, $500,000 or $1,000,000 |
Maximum Benefits |
Maximum Benefits |
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 |
Deductibles |
Deductibles |
Deductibles |
Deductibles |
Deductibles |
Deductibles |
Deductibles |
|
Coinsurance |
Coinsurance outside of U.S. and
Canada |
Coinsurance inside of U.S. and
Canada |
Coinsurance outside of U.S. and
Canada |
Coinsurance outside of U.S. and
Canada |
Coinsurance outside of U.S. and
Canada |
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 |
Coinsurance outside of U.S. and
Canada |
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. |