Compare Group Travel Insurance for USA

Comparing 7 Plans

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Patriot America Plus Group

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Patriot America Lite Group

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Patriot America Platinum Group

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Atlas America Group

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Following is the high level comparison of various international travel group health insurance plans. Please use this comparison as guide only and do not make any decisions solely based on this comparison. If you have any ambiguity, doubt or questions, please refer to the individual policy details for complete details as it is not possible to accurately represent all the details in concise comparison such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Routine physicals and exams (wellness, vision, eyeglasses, dental, etc.) are not covered in any of the plans.

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Comparing 7 Plans

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Patriot America Plus Group

Purchase

Patriot America Lite Group

Purchase

Patriot America Platinum Group

Purchase

Atlas America Group

Purchase

General

Patriot America Plus Group
Comprehensive
自付额后,保险支付100%（网络外,80%至$5,000,之后100%）至最高保额。
Patriot America Lite Group
Comprehensive
自付额后,保险支付100%（网络外,80%至$5,000,之后100%）至最高保额。
Patriot America Platinum Group
Comprehensive
自付额后,保险支付100%（网络外90%至$5,000,之后100%）至最高保额。
Atlas America Group
Comprehensive
自付额后，保险支付100%至最高保额。

Medical - Outpatient

至最高保额
美国紧急护理:自付额免除,$25 共付额;$0自付额除外。 美国无需预约门诊:自付额免除,$15 共付额;$0自付额除外。 共同保险仍适用。
至最高保额 在美国: 没有住院的生病需额外支付$250。
至最高保额或$250,000最高限额，以较低者为准；每个处方90天用量。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
-
至最高保额
至最高保额
美国紧急护理:自付额免除,$25 共付额;$0自付额除外。 美国无需预约门诊:自付额免除,$15 共付额;$0自付额除外。 共同保险仍适用。
至最高保额。 在美国: 没有住院的生病需额外支付$250。
至最高保额或$250,000最高限额，以较低者为准；每个处方90天用量。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
-
至最高保额
至最高保额
美国紧急护理:自付额免除,$25共同支付;$0自付额除外。 美国无需预约门诊:自付额免除,$15共同支付;$0自付额除外。 共同保险仍适用。
至最高保额 在美国,生病未住院的急诊,您再支付$250共付额。
至最高保额或$250,000最高限额，以较低者为准；每个处方90天用量。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
-
至最高保额
至最高保额
美国紧急护理/无需预约门诊：自付额免除，$15共付额；$0自付额除外。
至最高保额 在美国: 如果因疾病去急诊但未住院,您另付$200共付额。
至最高保额, 每次提供60天处方药。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%,不包括旁站医生。
至最高保额
-
至最高保额

Medical - Inpatient

至最高保额, 普通双人病房且包括护理服务。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
至最高保额
至最高保额, 普通双人病房且包括护理服务。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
至最高保额
至最高保额, 普通双人病房且包括护理服务。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
至最高保额
至最高保额, 包括护理服务的标准双人病房。
至最高保额
至最高保额
至最高保额
主刀医生费用的20%，不包括旁站医生。
至最高保额
至最高保额

Medical - Other Treatement And Services

-
与其它符合要求的医疗费用相同
标准基础医院病床和/或标准基础轮椅。
每次事故自付额$50,最多 $150(保险自付额免除)
可选
当生病导致住院或受伤至最高保额。
-
-
至最高保额 必须提前获得医生许可。
Yes
仅限70岁以下急性发作: 医疗至最高保额。医疗运送最多$25,000。
包括
-
与其它符合要求的医疗费用相同
标准基础医院病床和/或标准基础轮椅。
每次事故自付额$50,最多 $150(保险自付额免除)
可选
至最高保额 承保受伤或需住院治疗的生病。
-
-
至最高保额 必须提前获得医生许可。
None
-
Excluded
-
与其它符合要求的医疗费用相同
标准基础医院病床和/或标准基础轮椅。
每次事故自付额$50,最多 $150(保险自付额免除)
可选
当生病导致住院或受伤至最高保额。
-
-
至最高保额 必须提前获得医生许可。
Yes
仅限不超过70岁游客急性发作。美国公民:不超过64岁并拥有主要健康保险游客最高至$1,000,000;没有主要健康保险$20,000。65岁-69岁:最多$2,500。 69岁及以下非美国公民最多$1,000,000。医疗运送最多$25,000。
包括
90 天
与其它符合要求的医疗费用相同
标准基础医院病床和/或标准轮椅租赁至购买价格。
每次事故自付额 $50, 最多 $150 (保险自付额免除)
休闲:包括
当生病或受伤导致住院,承保至最高保额。
仅限前26周妊娠并发症。
-
每天最多$50。

必须提前获得医生许可。
Yes
仅限急性发作:80岁以下人士:医疗费用至最高保额。医疗运送至$25,000。
包括

Dental

$300
至最高保额
$300
至最高保额
$300
至最高保额
$300-无需免赔额
至最高保额

Travel

-
$10,000
-
每件 $50, 最多 $500
$100,000
$100,000, 最多15天
$1,000,000
至最高保额
$5,000
-
-
-
$10,000
-
每件 $50, 最多 $500
$100,000
$100,000, 最多15天
$1,000,000
至最高保额
$5,000
-
-
-
$10,000
-
每件 $50, 最多 $500
$100,000
$100,000, 最多15天
至最高保额
至最高保额
$5,000
-
-
-
$10,000
12小时+ : $100/天; 最多2天
主要
每件 $50, 最多 $1,000
$50,000
$100,000, 最多15 天
$1,000,000
至最高保额
$5,000
$100
$500

Life

$50,000
每位孩子 $25,000 , 每位成人$100,000, 每个家庭最高 $250,000。
$50,000
每位孩子 $25,000 , 每位成人$100,000, 每个家庭最高 $250,000。
$50,000
每位孩子$25,000,每位成人$100,000。每个家庭最高$250,000。
18岁以下: $5,000, 18-69岁: $25,000, 70-74岁: $12,500, 超过75岁: $6,250; 每个家庭或团体最多$250,000。
18岁以下: $10,000, 18-69岁: $50,000, 70-74岁: $25,000, 超过75岁: $12,500; 每个家庭或团体最多$250,000。

Other

包括
附带: 连续承保30天后保障14天。
每晚$250,最多10晚。在美国不适用。
$500
每天$250,最多住宿5天。
$50,000
包括
包括
附带: 连续承保30天后保障14天。
每晚$250,最多10晚。在美国不适用。
$500
每天$250,最多住宿5天。
$50,000
包括
包括
附带: 连续承保30天后保障14天。
每晚$250,最多10晚。在美国不适用。
$500
每天 $250, 最多5天住宿。
$50,000
包括
包括
附带: 每3个月30天。
每天$100
-
每天$250,最多住宿5天。
仅$50,000 符合要求医疗费用
包括

Plan Features

保险生效前, 全额退款。 保险生效后, 只要无任何理赔记录可按比例退款并减去$50取消费。
最少5天最多2年
$0
$0
个人责任: $25,000 病房探视:$1,500 政乱转移和运送: $100,000 宠物送返: $1,000
电子邮件
年度
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
终身最高保额
$10,000 80-110
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 64
$1,000,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
保险生效前, 全额退款。 保险生效后, 只要无任何理赔记录可按比例退款并减去$50取消费。
最少5天最多2年
$0
$0
个人责任: $25,000. 病房探视:$1,500. 政乱转移和运送: $100,000. 宠物送返: $1,000.
电子邮件
年度
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
终身最高保额
$10,000 80-110
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
保险生效前, 全额退款。 保险生效后, 只要无任何理赔记录可按比例退款并减去$50取消费。
最少5天最多3年
$0
$0
个人责任: $25,000. 病房探视: $1,500. 政乱转移及送返: $100,000, 必须提前被管理商批准。
电子邮件
年度
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
$5,000 Up to 110
$10,000 Up to 110
$25,000 Up to 110
终身最高保额
$20,000 80-110
$100,000 70-79
$1,000,000 65-69
$2,000,000 Up to 64
$5,000,000 Up to 64
$8,000,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
保险生效前, 全额退款。

保险生效后, 只要无任何理赔记录就可以按比例退款并减去$25取消费。
最少5天至最多364天
$0
$0
个人责任: $25,000
危机响应: $10,000
病房探视: $1,500
宠物送返: $1,000
政乱转移: $100,000
电子邮件
邮政
快递
每个保单期间
$0 Up to 99
$100 Up to 99
$250 Up to 99
$500 Up to 99
$1,000 Up to 99
$2,500 Up to 99
$5,000 Up to 99
终身最高保额
$10,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
WorldTrips
Lloyd's
A "Excellent"
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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