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Compare Group Travel Insurance for Travel Excluding 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

Atlas International Group
Comprehensive
After deductible, plan pays 100% to policy maximum.
Patriot International Group
Comprehensive
After deductible, plan pays 100% to policy maximum.
Patriot Platinum International Group
Comprehensive
Within PPO network/Outside US/Canada: After deductible, plan pays 100% to policy maximum.

Otherwise: After deductible, plan pays 90% up to $5,000, then 100% to policy maximum.

Medical - Outpatient

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.

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
-
To policy maximum
To policy maximum
To policy maximum

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
To policy maximum
To policy maximum

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
-

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
Same as any other eligible medical expense
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
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 Treatement And Services

90 days
Same as any other eligible medical expense
Hospital bed or wheelchair: Rental, up to purchase prices.
$150
Recreational: Included. See policy wording for specific exclusions.
To policy maximum, if covered injury/illness results in hospitalization admission.
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
Hospital bed or wheelchair: Rental, up to purchase prices.
-
Optional
To policy maximum, if covered injury/illness results in hospitalization admission.
-
-
To policy maximum
Acute Onset Only, US Citizens: Up to policy maximum 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 policy maximum or $500,000, whichever is lower.
1 year
Same as any other eligible medical expense
Hospital bed or wheelchair: Rental, up to purchase prices.
-
Optional
To policy maximum, if covered injury/illness results in hospitalization admission.
-
-
To policy maximum
Sudden & Unexpected Reoccurrence: Up to policy maximum for up to age 64 with primary health plan; $20,000 without. Ages 65 and older: $2,500.

Dental

$250
To policy maximum
$300
To policy maximum
$250
To policy maximum

Travel

-
$10,000
$500
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
-
$500
-
$5,000
$50 per item, $250 maximum
$50,000
$50,000, maximum of 15 days.
$1,000,000
$50,000
$5,000
-
-
-
$10,000
$500
$100,000
$100,000
To policy maximum
$100,000
$5,000
$500
-

Life

Under 18: $5,000, Ages 18-69: $50,000, Ages 70-74: $12,500, Ages 75+: $6,250; Maximum $250,000 per family. Optional: up to $100,000 for ages 18-69 only.
Under 18: $25,000, Ages 18-69: $50,000, Ages 70-74: $12,500, Ages 75+: $6,250; Maximum $250,000 per family.
$25,000
$50,000 per person. Maximum $250,000 per family.
$50,000
$100,000 per adult; $25,000 per child. Maximum $250,000 per family.

Other

Included
For every parent insured, one child under age 10 years is free. Maximum 2 children.
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; Optional: $10,000 for evacuation.
$50,000 Eligible medical expenses only
Included
Included
-
Incidental: 14 days after 30 days continuous coverage
$100 per night, maximum of 10 nights
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
-
Incidental: 14 days after 30 days continuous coverage
$250 per night
$500
$250 per day, 5 day maximum per insured.
To policy maximum
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
Travel Delay of 12+ hours and unplanned overnight stay - $100/day, 2 days maximum.
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 2 years maximum
$0
$0
Personal Liability: $10,000;
Political Evacuation and Repatriation: $10,000; must be approved in advance by the administrator.
Email
Postal Mail
Courier
Annual
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$10,000 Age 80+
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
$2,000,000 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 3 years maximum
$0
$0
-
Email
Postal Mail
Courier
Annual
$0
$100
$250
$500
$1,000
$2,500
$5,000
$10,000
$25,000
Lifetime Maximum
$20,000 Age 80+
$100,000 70-79
$1,000,000 Up to 69
$5,000,000 Up to 69
$8,000,000 Up to 69
International Medical Group (IMG)
Sirius International

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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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