Medical Comparison Page

Please note that the purpose of this comparison sheet is only to provide a brief general overview of the various plans. Detailed information on-line may be viewed when you click on the individual Company shown below. (Return to Home Page)

Benefits

IMG

HTH WorldWide
TravelGap Single Trip

HCC Medical Insurance Services

Seven Corners, Inc

Global Underwriters

MEDEX

TravelGuard

Travel Insurance Services

Patriot International

Patriot America

Patriot Platinum Internatinal

Patriot Platinum America

Voyager

Excursion

Atlas International

Atlas America

Liaison International

Diplomat International

Diplomat America

TRAVMED CHOICE

WorldWide Health

WorldMed Insurance

Eligibility

Eligibility
U.S. citizens traveling outside of the U.S.

Eligibility
Non U.S. citizens traveling outside of their Home Country

Eligibility
U.S. citizens traveling outside of the U.S.

Eligibility
Non U.S. citizens traveling outside of their Home Country

Eligibility
Resident of the U.S. traveling outside of the U.S.

Eligibility
Resident of the U.S. traveling outside of the U.S.
Must also be enrolled in a primary medical plan

Eligibility
U.S. Citizens and Non U.S. citizens traveling outside of the U.S.

Eligibility
Non-U.S. citizens traveling to the U.S.

Eligibility
Individuals & families traveling outside of their Home Country

Eligibility
Individuals & families traveling outside of their Home Country but not to the U.S.

Eligibility
Foreign Nationals visiting the U.S.

Eligibility
Class 1.. U.S. citizens traveling outside of the U.S.
Class 2.. Non U.S. citizens traveling outside of their Home Country

Eligibility
U.S. citizens traveling outside of the U.S.
Non U.S. citizens living outside of the U.S. traveling to the U.S. only

Eligibility
People traveling outside of their Home Country & Country of residence

Maximum Benefits

Maximum Benefit
Choose from $50,000 $100,000, $500,000, $1,000,000 or $2,000,000

Maximum Benefit
Choose from $50,000 $100,000, $500,000, $1,000,000

Maximum Benefit
Choose from $1,000,000, $5,000,000 or $8,000,000

Maximum Benefit
Choose from $50,000, $100,000, $500,000 or $1,000,000

Maximum Benefits
Choose from $50,000, $100,000, $250,000, $500,000 or $1,000,000

Maximum Benefits
Choose from $50,000, $100,000, $500,000 or $1,000,000

Maximum Benefits
Choose from $50,000, $100,000, $250,000 or $500,000 for accidents. Illness limited to $1,000 for 1st 30 days & then maximums shown above.

Maximum Benefits
Choose from $50,000, $100,000, $250,000 or $500,000

Maximum Benefits
Choose from $50,000, $100,000, $250,000, $500,000 or $1,000,000

Maximum Benefits
Choose from Plan A $500,000 Plan B $1,000,000 Plan Lite (Accident Only) $100,000 (Sickness Only) $5,000

Deductibles

Deductibles
Choose from $0, $100, $250, $500, $1,000 or $2,500

Deductibles
Choose from $0, $100, $250, $500, $2,500, $5,000, $10,000 or $25,000

Deductibles
Choose from $0, $50, $250, $500

Deductibles
Choose from $0, $100, $250, $500, $1,000 or $2,500

Deductibles
Choose from $100, $250, $500, $1,000 or $2,500

Deductibles
Choose from $100 or $250

Deductibles
Choose from $0, $100, $250, $500, $1,000 or $2,500

Deductibles
Choose from $250, $500, $1,000 or $2,500 for Plans A & B
Lite Plan.. for illness $75 per incident

Coinsurance

Coinsurance outside of U.S. and Canada
Plan pays 100% of eligible expenses after the deductible up to the selected maximum

Coinsurance inside of U.S. and Canada
"in Network"
Plan pays 90% of eligible expenses after the deductible up to $5,000 and then 100% up to the selected maximum
"Out of Network"
Plan pays80% of eligible expenses after the deductible up to $5,000 and then 100% up to the selected maximum

Coinsurance outside of U.S. and Canada
Plan pays 100% of eligible expenses after the deductible up to the selected maximum

Coinsurance inside of U.S. and Canada
"in Network"
Plan pays 100% of eligible expenses after the deductible up to the selected maximum
"Out of Network"
Plan pays90% of eligible expenses after the deductible up to $5,000 and then 100% up to the selected maximum

Coinsurance outside of U.S. and Canada
Plan pays 100% of eligible expenses after the deductible up to the selected maximum

Coinsurance inside of U.S. and Canada
Plan pays 80% of eligible expenses after the deductible up to $5,000 and then 100% up to the selected maximum

Coinsurance outside of U.S. and Canada
Plan pays 100% of eligible expenses after the deductible.
In the U.S. & Canada the plan pays 80% of the next $5,000 & then 100% to the selected maximum

Coinsurance outside of U.S. and Canada
Plan pays 100% of eligible expenses after the deductible up to the selected maximum

Coinsurance inside of U.S.
Plan pays 80% of eligible expenses after deductible up to $5,000 and then 100% up to the selected maximum

Coinsurance outside of U.S.
For U.S. citizens, plan pays 100% of eligible expenses after the deductible up to the selected maximum
Coinsurance outside of Home Country
For Non-U.S. citizens outside of Home Country, plan pays 80% to $5,000 and then 100% to selected maximum.

Coinsurance outside of U.S. and Canada
Plan pays 100% of eligible expenses after the deductible
In the U.S. & Canada the plan pays 80% of the next $5,000 & then 100% to the selected maximum

Coinsurance
Plans A & B pay 80% of eligible expenses after deductible up to $5,000 and then 100% up to the selected maximum The Lite plan pays 100% after the deductible up to the maximum benefit

Dental Emergency

Dental Emergency
Injury due to accident covered up to medical maximum.
Treatment for sudden unexpected pain to sound natural teeth covered up to $100

Dental Emergency Injury due to accident covered up to medical maximum.
Treatment for sudden unexpected pain to sound natural teeth covered up to $100

Dental Emergency
Injury due to accident covered up to medical maximum.
Treatment for sudden unexpected pain to sound natural teeth covered up to $250

Dental Emergency
For relief of pain covered up to $100
If due to accident up to $200

Dental Emergency
For relief of pain covered up to $500

Dental Emergency
If due to accident covered up to selected maximum. For acute onset of pain covered up to $100

Dental Emergency
If due to accident covered up to $500. For acute onset of pain covered up to $100 (Available only if plan purchased for one month or more.

Dental Emergency
Covered if treatment is due to accident.
For treatment of unexpected pain to sound, natural teeth payable up to $100 per tooth.

Dental Emergency
Covered if treatment is due to accident.

Dental Emergency
Covers expenses up to $200 per tooth with a maximum of $1,000

Dental Emergency
Accident – Overall Maximum Limit
Acute Onset of Pain - $100 limit per Certificate Period

Dental Emergency
Covered if treatment is due to accident.

Outpatient Medical Expenses

Outpatient Medical Expenses
Usual, reasonable & customary charges to the selected Policy Maximum

Outpatient Medical Expenses
Reasonable & customary charges to the selected Policy Maximum

Emergency Medical Evacuation

Emergency Medical Evacuation
Up to the selected policy maximum when coordinated through the Plan Administrator

Emergency Medical Evacuation
Maximum Benefit per Trip Period for all evacuations up to $500,000

Emergency Medical Evacuation
Air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment

Emergency Medical Evacuation
Up to $300,000 in addition to the selected Medical Maximum

Emergency Medical Evacuation
Up to $100,000 maximum.

Emergency Medical Evacuation
Up to $100,000 maximum. Does not exclude pre-existing medical conditions

Emergency Medical Evacuation
Up to Overall selected Maximum Limit

Emergency Medical Evacuation
Up to $100,000 maximum for all plans.

Hazardous Activity Coverage

Hazardous Activity Coverage
Optional Leisure or Extreme Sports Riders are available

Hazardous Activity Coverage
Optional Extreme Sports Riders are available

Hazardous Activity Coverage
Claims resulting from downhill skiing & scuba diving covered up to a maximum of $10,000

Hazardous Activity Coverage
Optional rider available

Pre-Existing Medical Conditions

Pre-Existing Medical Conditions
Up to $15,000 for eligible expenses for a sudden recurrence of a pre-existing condition for U.S. citizens

Pre-Existing Medical Conditions
Coverage Excluded

Pre-Existing Medical Conditions
Up to $50,000 for eligible expenses for a sudden recurrence of a pre-existing condition for U.S. citizens

Pre-Existing Medical Conditions
Coverage Excluded

Pre-Existing Medical Conditions
Coverage Excluded
6 month look back period

Pre-Existing Medical Conditions
Not subject to the Pre-Existing Exclusion

Pre-Existing Medical Conditions
Up to $15,000 for eligible expenses for a sudden recurrence of a pre-existing condition for U.S. citizens

Pre-Existing Medical Conditions
Coverage Excluded

Pre-Existing Medical Conditions
Up to $20,000 for U.S. citizens traveling outside the U.S. and Canada

Pre-Existing Medical Conditions
Coverage Excluded (3 year look back) see online for details

Pre-Existing Medical Conditions
Up to $15,000 for eligible expenses for a sudden recurrence of a pre-existing condition for U.S. citizens

Pre-Existing Medical Conditions
Coverage Excluded (3 year look back) see online for details

Underwritten by

Underwritten by
SIRIUS... Rated A (Superior) by A.M. Best

Underwritten by
UNICARE life and Health Insurance Co. ... Rated A- by A.M. Best

Underwritten by
Lloyds... rated A (Superior) by A.M. Best

Underwritten by
Virginia Surety Co.
Rated A- by A.M. Best

Underwritten by
The Insurance Company of the State of Pennsylvania a member of AIG rated A++ Superior by A.M.Best

Underwritten by
Virginia Surety Co.
Rated A- by A.M. Best

Underwritten by
The Insurance Company of the State of Pennsylvania Rated A Excellent by A.M.Best

Underwritten by
The Insurance Company of the State of Pennsylvania a member of AIG rated A+ Superior by A.M.Best

Please note that the above comparison sheet is a brief overview of the top medical travel insurance plans. Check online for complete details and latest updates. Benefits may vary based upon age of the applicants.

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