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Inbound USA - $75,000 ($70,000 for 70+) vs Liaison Majestic - Including US Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Inbound USA - $75,000 ($70,000 for 70+) vs Liaison Majestic - Including US Insurance

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details concisely, such as follows. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All the amounts are in U.S. dollars.

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

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

Following is the high level comparison of various international medical insurance plans. Please use this comparison as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information 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 vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Inbound USA - $75,000 ($70,000 for 70+)
Fixed Coverage
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
Liaison Majestic - Including US
Comprehensive
Comprehensive
In U.S.: After deductible, plan pays 80% up to $5,000, then 100% to policy maximum.

Outside U.S.: After deductible, plan pays 100% to policy maximum.
In U.S.: After deductible, plan pays 80% up to $5,000, then 100% to policy maximum.

Outside U.S.: After deductible, plan pays 100% to policy maximum.

Medical – Outpatient

Up to $75 per visit, 1 per day, 10 visits maximum per injury/illness
Up to $75 per visit, 1 per day, 10 visits maximum per injury/illness
Up to $465 ($350 for 70+) per injury/illness

No coverage if not of an emergency nature.
Up to $465 ($350 for 70+) per injury/illness

No coverage if not of an emergency nature.
Up to $250 per period of coverage
Up to $250 per period of coverage
Up to $475 ($560 for 70+), Additional $375 ($300 for 70+) - One CAT scan, PET scan or MRI
Up to $4,400 ($3,850 for 70+) per injury/illness
Up to $1,100 ($960 for 70+) per injury/illness
Up to $1,100 ($960 for 70+) per injury/illness
Up to $1,050 ($1,190 for 70+) per injury/illness
To policy maximum
To policy maximum
To policy maximum

No coverage if ER visit is not of an emergency nature.
To policy maximum

No coverage if ER visit is not of an emergency nature.
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum. No standby availability coverage.
To policy maximum

Medical – Inpatient

Up to $1,725 per day ($1,470 per day for 70+), 30 days maximum per injury/illness
Up to $2,480 per day ($2,110 per day for 70+), 8 days maximum per injury/illness
Up to $4,400 ($3,850 for 70+) per injury/illness
Up to $1,100 ($960 for 70+) per injury/illness
Up to $1,100 ($960 for 70+) per injury/illness
Up to $75 per visit, 1 per day, 30 visits maximum per injury/illness
Up to $475 ($560 for 70+) per injury/illness
Up to $1,100 ($1,085 for 70+) per injury/illness
To policy maximum
To policy maximum
To policy maximum
To policy maximum
To policy maximum. No standby availability coverage.
To policy maximum
Same as any other eligible medical expense
To policy maximum

Medical – Other Treatement And Services

182 days
Same as any other eligible medical expense
Hospital bed or wheel chair: Up to $1,200 ($1,000 for 70+) for rental, not to exceed purchase prices.
-
Up to $475 ($450 for 70+) per injury/illness
-
Same as any other eligible medical expense
Up to $40 per visit, 1 per day, 12 visits maximum per injury/illness
None
None
None
Acute onset only, for persons under age 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
Acute onset only, for persons under age 70: Medical up to policy maximum; Medical Evacuation up to $25,000.
180 days
$200 per night
-
Optional
To policy maximum
-
-
To policy maximum
Non-U.S. residents only. $200/day for each night in hospital for heart attack or stroke. Max $3,000
Non-U.S. residents only. $200/day for each night in hospital for heart attack or stroke. Max $3,000

Life

-
$25,000
$25,000 for insured or insured spouse; $5,000 for dependent children; $250,000 maximum per family.
$50,000 for insured or insured spouse; $12,500 for dependent children; $250,000 maximum per family.

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 to 364 days maximum
$0
$0
Email
Postal Mail
Courier
Per Incident
$0 Up to 69
$50 Up to 69
$100 Up to 99
$200 70-99
Per Incident
$50,000 Up to 99
$70,000 70-99
$75,000 Up to 69
$100,000 Up to 69
$130,000 Up to 69
Seven Corners
Lloyds
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
Email
Postal Mail
Annual
$0
$100
$250
$500
$1,000
$2,500
$5,000
Lifetime Maximum
$20,000 Age 80+
$60,000 Up to 79
$125,000 Up to 64
$600,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
$5,000,000 Up to 64
Seven Corners
Lloyds
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • Coverages shown are per person unless noted otherwise.
  • Home country for IMG (Patriot products, Visitors Care) - 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, home country is the country where you principally reside and receive regular mail.
  • Home country for Tokio Marine HCC - MIS Group (Atlas, VisitorSecure) - 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.
  • Home country for Seven Corners (Inbound products, Liaison products) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment. If you are a U.S. Citizen, the Home Country is always the United States. (*Excludes Liaison International)
  • Green Cover - Benefits shown here are for Part A and Part B purchased together; if only one part (either A or B) is purchased, then benefits will differ from those shown here.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • 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 would not be 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.

Learn More