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General
Medical - Outpatient
To policy maximum
Included
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
-
To policy maximum
Excluded
US-Urgent Care: Deductible waived, $35 copay. Co-insurance still applies.
Outside US: No copay
To policy maximum
Extra $350 deductible for illness or injury visit that does not result in hospitalization.
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
Included
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
-
To policy maximum
Included
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
Outside US: No copay.
To policy maximum
In US: Extra $200 copay for illness visit that does not result in hospital admission.
Outside US: No copay.
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
-
Medical - Inpatient
To policy maximum, average semi-private room including nursing services.
To policy maximum, three times average semi-private room rate.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
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
To policy maximum, average semi-private room including nursing services.
To policy maximum, three times average semi-private room rate.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
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
Medical - Other Treatment And Services
2 days
$25,000 for ages up to 69; $15,000 for ages 70 and over
-
-
-
To policy maximum. Must be medically necessary.
Emergency medical treatment of pregnancy to $2,500
$2,500
$50 per day, maximum of 10 days
Must be ordered in advance by physician.
None
None
Unexpected recurrence: $2,500
-
Excluded
180 days
Same as any other eligible medical expense
Standard hospital bed and/or standard basic wheelchair
$100 (plan deductible waived)
Recreational: Included. Optional: Extreme Sports.
To policy maximum when illness or injury results in hospitalization as inpatient.
$1,500 maximum for Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$60 per visit, 1 visit per day, 15 visits maximum.
Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
Acute onset only, for persons under 70: Medical up to $150,000 with policy maximum $550,000 or $1,100,000; medical up to $50,000 with policy maximums $60,000 to $200,000. Medical Evacuation up to $25,000.
-
Included, up to $100,000 or policy maximum; whichever is lower.
2 days
$25,000 for ages up to 69; $15,000 for ages 70 and over
-
-
Optional: Sports Activity Coverage
To policy maximum. Must be medically necessary.
Emergency medical treatment of pregnancy to $2,500
$2,500
$50 per day, maximum of 10 days
Must be ordered in advance by physician.
None
None
Sudden, unexpected recurrence only, for persons under 65: Medical up to $20,000; 65+ $10,000.
-
Included
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.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
-
Included
Dental
$500
$500
$500, minimum initial purchase of 90 days.
$1,000, minimum initial purchase of 180 days.
$500
$500
$300 - Not subject to deductible
To policy maximum
Travel
-
$10,000
Travel Delay of 12+ hours: $100/day, 2 days maximum. COVID-19 quarantine: $50/day, 10 days maximum; must purchase a minimum of 30 days of coverage initially and in each extension.
Primary$100 per item, $500 maximum
$50,000
$100,000, maximum of 15 days
To policy maximum
$50,000
$5,000
-
$500
-
$7,500
6+ hours: $150/day; $2,000 maximum
Primary$75 per item, $1,000 maximum
$5,000
$15,000, maximum of 10 days
$2,000,000
$1,000,000
-
-
-
-
$10,000
12+ hours: $100/day; 2 days maximum
Primary$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$500
Life
$25,000. Dependent Child: $10,000.
$25,000. Dependent Child: $10,000.
Under 18: $6,000; Primary Insured: $30,000; Spouse: $20,000; Ages 70-74: $15,000; Ages 75+: $7,500; maximum of $250,000 per family.
Under 18: $30,000; Ages 18+: $50,000; maximum of $250,000 per family.
$25,000. Dependent Child: $10,000. Optional: up to $500,000.
$25,000. Dependent Child: $10,000. Optional: up to $500,000.
Under 18: $5,000, Ages 18-69: $25,000, Ages 70-74: $12,500, Ages 75+: $6,250; Maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-69: $50,000, Ages 70-74: $25,000, Ages 75+: $12,500; maximum $250,000 per family or group.
Other
Included
-
$150 per day, maximum of 15 days
-
$10,000. $250 per day, 5 days maximum.
-
Included
Included
Incidental: 14 days, minimum initial purchase of 90 days.
End of Trip: 15 days, minimum initial purchase of 180 days; 30 days, minimum initial purchase of 364 days.
$150 per day, maximum of 7 days. Not available in U.S.
-
$500 per day, 5 day maximum
$50,000 Eligible medical expenses only
Included
Included
-
$150 per day, maximum of 15 days
-
$10,000. $250 per day, 5 days maximum.
-
Included
Included
Incidental: Per 3 month period US Residents get 15 days and Non-US Residents get 30 days
$100 per day
-
$250 per day, 5 day maximum for accommodations
$50,000 Eligible medical expenses only
Included
Plan Features
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
Political Evacuation: $25,000.
Email
Per Policy Period
$0 Up to 89
$50 Up to 89
$100 Up to 89
$250 Up to 89
$500 Up to 89
$1,000 Up to 89
$2,500 Up to 89
$5,000 Up to 89
Lifetime Maximum
$50,000 Up to 89
$100,000 Up to 79
$250,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
Surego Administrative Services
Crum & Forster SPC
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
Political Evacuation: $100,000.
Bedside Visit: $1,000 after 5 days hospitalization. Not available in U.S.
Third Party Liability: $500.
Emergency Pet Return Home: $500 after 36 hours of hospitalization.
Rental Car Deductible Reimbursement: $500.
Email
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$12,000 Age 80+
$25,000 Up to 79
$50,000 70-79
$60,000 Up to 69
$75,000 Up to 69
$110,000 Up to 69
$200,000 Up to 69
$550,000 Up to 69
$1,100,000 Up to 69
$2,000,000 Up to 69
Azimuth Risk Solutions
Lloyd's
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
Optional Travel Delay upgrade: $4,000 ($300 per day) or $7,000 ($500 per day)
Political Evacuation: $25,000.
Email
Per Policy Period
$0 Up to 89
$50 Up to 89
$100 Up to 89
$250 Up to 89
$500 Up to 89
$1,000 Up to 89
$2,500 Up to 89
$5,000 Up to 89
Lifetime Maximum
$50,000 Up to 89
$100,000 Up to 79
$250,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
Surego Administrative Services
Crum & Forster SPC
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
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 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
Lifetime Maximum
$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
- This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).
- Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
- Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
- For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
- Coverages shown are per person unless noted otherwise.
- The dash (-) in the fields above means Not Applicable (N/A).
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Purchase travel medical insurance that includes emergency medical evacuation.
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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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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.
Learn MoreAre 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.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling 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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Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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