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.