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Compare Group Travel Insurance for USA

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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.

General

Patriot America Plus Group
Comprehensive
After deductible, plan pays 100% (80% up to $5,000 outside the network, then 100%) to policy maximum.
Patriot America Group
Comprehensive
After deductible, plan pays 100% (80% up to $5,000 outside the network, then 100%) to policy maximum.
Atlas America Group
Comprehensive
After deductible, plan pays 100% to policy maximum.
Patriot Platinum America Group
Comprehensive
After deductible, plan pays 100% (90% up to $5,000 outside the network, then 100%) to policy maximum.

Medical - Outpatient

To policy maximum
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
Co-insurance still applies.
To policy maximum.

In U.S.: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby. availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
Co-insurance still applies.
To policy maximum.

In U.S.: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
Deductible waived, $15 copay; unless $0 deductible.
To policy maximum

In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible. US-Walk-in Clinic: Deductible Waived, $15 copay; unless $0 deductible. Co-insurance still applies.
To policy maximum

In U.S.: Extra $250 copay for illness visit that does not result in hospital admission.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatement And Services

-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum

Must be ordered in advance by physician.
Acute onset only, for persons under 70: Medical to policy maximum. Medical evacuation up to $25,000.
-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum

Must be ordered in advance by physician.
-
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices.
$50 per incident deductible, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$50 maximum per day.

Must be ordered in advance by physician.
Acute onset only, for persons under 70: Medical up to policy maximum; 70–79: To policy maximum or $100,000 (lower amount). Medical Evacuation up to $25,000.
-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum

Must be ordered in advance by physician.
Acute onset only for persons under 70. US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens: Ages 69 and younger up to $1,000,000. Medical evacuation up to $25,000

Dental

$300
To policy maximum
$300
To policy maximum
$300 - Not subject to deductible
To policy maximum
$300
To policy maximum

Travel

-
$10,000
$50 per item, $500 maximum
$100,000
$100,000, maximum of 15 days.
$1,000,000
To policy maximum
$5,000
-
-
-
$10,000
$50 per item $500 maximum
$100,000
$100,000, maximum of 15 days.
$100,000
To policy maximum
$5,000
-
-
-
$10,000
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$500
-
$10,000
$50 per item $500 maximum
$100,000
$100,000, maximum of 15 days
To policy maximum
To policy maximum
$5,000
-
-

Life

$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
Under 18: $5,000, Ages 18-69: $25,000, Ages 70-74: $12,500, Ages 75+: $6,250; Maximum $250,000 per family.
Under 18: $10,000, Ages 18-69: $50,000, Ages 70-74: $25,000, Ages 75+: $12,500; maximum $250,000 per family.
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family

Other

Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: 30 days per every 3-month period.
$100 per day
-
$250 per day, 5 day maximum for accommodations.
$50,000 Eligible medical expenses only
Included
Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included

Plan Features

Before effective date, full refund.

After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $25,000.
Bedside Visit $1,500.
Political Evacuation and Repatriation: $100,000.
Pet Return: $1,000.
Email
Postal Mail
Courier
Annual
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$10,000 80-120
$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)
Sirius International
Before effective date, full refund.

After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $25,000.
Bedside Visit $1,500.
Political Evacuation and Repatriation: $100,000.
Pet Return: $1,000.
Email
Postal Mail
Courier
Annual
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$10,000 80-120
$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)
Sirius International
-
Before effective date, full refund.

After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum.
Personal Liability: $25,000.
Crisis Response: $10,000.
Bedside Visit: $1,500.
Pet Return: $1,000.
Political Evacuation: $100,000.
Email
Postal Mail
Courier
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
$5,000
Lifetime Maximum
$10,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 79
$500,000 Up to 69
$1,000,000 Up to 69
$2,000,000 Up to 69
Tokio Marine HCC - MIS Group
Lloyd's
Before effective date, full refund.

After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 3 years maximum
$0
$0
Personal Liability: $25,000;
Bedside Visit $1,500;
Political Evacuation and Repatriation: $100,000, must be approved in advance by the administrator.
Email
Postal Mail
Courier
Annual
$0
$100
$250
$500
$1,000
$2,500
$5,000
$10,000
$25,000
Lifetime Maximum
$20,000 80-120
$100,000 70-79
$2,000,000 Up to 69
$5,000,000 Up to 69
$8,000,000 Up to 69
International Medical Group (IMG)
Sirius International
  • 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.

Did you know?

Prices are regulated by law.

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

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Why purchase 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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