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Comprehensive Insurance Plans

Visitor Health Coverage Plan

Shopping for good health insurance can be confusing. It's tough trying to decide what type of policy offers the best coverage for the price. The insurance industry has its own jargon, and "comprehensive medical insurance" is one such term. To make informed decisions, consumers need to know what this type of health insurance provides.

  • Better coverage without sub limit.
  • Covers serious Medical Expenses.
  • Less out of pocket expense.
  • Good for people who wants to take less risk.

Comprehensive health insurance pays a percentage of the cost of hospital and physician charges after a deductible (usually applies to hospital charges) or a co-pay (usually applies to physician charges.) is met by the insured. Not all comprehensive health insurance policies are the same.

Insurance Carriers
Plans & Benefits Available
Administrator : Trawick International
Carrier/Underwriter : GBG Insurance Limited
AM Best Rating : B++
BBB Rating : Accredited, A+
  • Safe Travels U.S.A Cost Saver / Safe Travels U.S.A
    Comprehensive plan
    • Foreign nationals traveling to the U.S.A
    • $50,000 to $1,000,000 medical benefit options
    • $50,000 medical maximum benefits (Age 65 to 89 maximum)
    • Deductible options: In Network: $0, Out of Network: $0 - $5000
    • 100% Coverage in PPO
    • Coverage: 5 days to 1 year & renewal up to 2 yrs
  • SAFE TRAVELS U.S.A COMPREHENSIVE
    Comprehensive plan – covers Acute onset of Pre-Existing Condition
    • Comprehensive plan for Foreign nationals visiting U.S.A
    • Acute Onset of Pre-existing Condition(s) - for Medical Expense Benefits
    • $50,000 to $1,000,000 medical benefit based on age.
    • Deductible options: In Network: $0, Out of Network: $0 - $5000
    • 100% Coverage in PPO
Administrator : AzimuthSM Risk Solutions
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : Accredited, A+
  • The Beacon Travel Series
    • Maximum Limits: $60,000, $110,000, $550,000, $1,100,000, or $2,000,000.
    • Deductible Options: $0, $100, $250, $500, $1,000 or $2,500 per coverage period.
    • Coverage of Sudden Onset of a Pre-existing Condition.
    • Return of Mortal Remains
    • Incidental Home Country Coverage
    • Optional Sports Rider
    • Minimum purchase of 5 days renewable up to 24 months
  • Overseas Visitors InsuranceSM
    $35 Dr. Office/Urgent Care co-pay with three co-insurance options
    • Physician Visits/Urgent Care: $35 co-pay
    • deductible options: $100; $250; $500; $1,000; $2,500
    • United Healthcare National PPO network
    • Policy Maximums: $25,000 to $500,000 up to age 69 & $100,000 for age 70-79
    • 3 Coinsurance Options including Plan A & C covers 90% up to first $5,000 and thereafter 100% up to Policy max, Plan B covers 100% in PPO up to the policy max
    • Plan A & Plan B covers Acute Onset of a pre-existing condition up to age 79 and Plan C covers condition up to age 69
Administrator : Global Underwriters
Carrier/Underwriter : Allied World Assurance Company (Europe)
AM Best Rating : A (Excellent)
BBB Rating : Accredited, A+
  • Diplomat America
    Comprehensive Coverage including COVID19 Coverage
    • Coverage period from 15 days - 365 days
    • Policy Maximum: $50,000 - $1,000,000 based on age
    • Deductible Choices: $0- $5,000 per person/plan period
    • Co-Insurance: After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum
    • Pre-Existing Condition Exclusion: 24 Months prior to the start date of coverage
    • Covid-19 is treated the same as any other illness
  • Diplomat Long-term
    Comprehensive Coverage traveling outside of your home country
    • Coverage period from 3 months - 365 days & re-apply up to 3 years
    • COVID-19 Coverage Included
    • Policy Maximum: $500,000 - $1,000,000
    • Deductible Choices: $0- $5,000 per person/plan period
    • Co-Insurance: After you pay the selected deductible
      • Traveling to the US: The plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum
      • Traveling Outside the USA: The plan will pay 100% of Covered Expenses outside the USA up to the selected plan maximum.
    • Pre-Existing Condition Exclusion: 18 Months prior to the start date of coverage
    • Covid-19 is treated the same as any other illness
Administrator : International Medical Group
Carrier/Underwriter : SiriusPoint Specialty Insurance Corporation
AM Best Rating : A Excellent
BBB Rating : Accredited, A+
  • Patriot America Lite
    100% coverage In National PPO
    • Walk-in Clinic/Urgent Care co-pay $15/$25 (not subject to deductible)
    • Deductibles are available from $0 to $2500
    • Plan pays 100% after the deductible In PPO
    • Policy Maximums $50,000 to $1,000,000
  • Patriot America Plus (Covers Acute Onset Pre-Ex )
    100% Coverage In National PPO
    • Walk-in Clinic/Urgent Care co-pay $15/$25 (not subject to deductible)
    • Deductibles are available from $0 to $2500
    • Plan pays 100% after the deductible In PPO
    • Policy Maximums $50,000 to $1,000,000
    • Covers Acute onset of Preexisting condition under 70 years to maximum limit
    • $2,000,000 Policy Maximum for Age 70-79 Available
    • *** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***
  • Patriot Platinum America
    100% Coverage & Offers Higher Policy Maximum
    • 100% Coverage & Offers Higher Policy Maximum
    • Policy Maximums $2,000,000 to $8,000,000
    • Deductibles are available from $0 to $25,000
    • Plan pays 100% after the deductible In PPO
    • $2,000,000 Policy Maximum for Age 70-79 Available
    • Covers Acute onset of Preexisting condition under 70 years to maximum limit
    • *** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***
Administrator : HCCMIS
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A+ (Superior)
BBB Rating : Accredited, A+
  • Atlas Travel® Insurance
    100% coverage In PPO for US Visitors
    • Urgent Care/Walk-in Clinic $15 co-payment (Not subject to ded. Co-pay waived if $0 ded elected)
    • Deductibles are available from $0 to $5,000
    • $50,000 to $2,000,000 benefits age under 69 & Age 70 to 79 - $50,000, $100,000, or $250,000
    • Plan pays 100% after the deductible
    • Covers Acute onset of Preexisting condition for under age 80
    • 100% Prescription Drug Coverage after deductible
  • ATLAS ESSENTIAL™ INSURANCE
    Low cost Comprehensive Plan – In PPO 100% coverage
  • ATLAS PREMIUM™ INSURANCE
    High End Comprehensive Plan - In PPO 100% coverage
  • Atlas MultiTrip™ INSURANCE
    Annual plan for multiple trips of up to 30 or 45 days
Administrator : Seven Corners
Carrier/Underwriter : Lloyd's of London
AM Best Rating : A Excellent
BBB Rating : Accredited, A+
  • Liaison® Travel Medical Series
    Comprehensive Plan - 5 days to 3 Years
    • Offers 3 plans – Economy, Choice & Elite.
    • Liaison Economy & Choice can be purchased only up to 364days.
    • Liaison Elite can be purchased only up to 3 Years.
    • Plans pays 80% or 90% or 100% coverage based on chosen plan.
    • Acute Onset of a pre-existing condition benefits for Non US residents.
    • Underwritten by Lloyd’s, London* & Tramont Insurance Company Ltd.
  • Liaison® Travel Plus
    Medical Travel Insurance for Coronavirus
    • Coverage Length 5 days to 364 days, Extendable for a total of up to 364 days
    • Policy Maximum Worldwide Including the USA: $1M up to 64 years old, $100K age 65-69, $50K age 70-74
    • Policy Maximum Worldwide Excluding the USA: $5M up to 64 years old, $100K age 65-74
    • COVID-19 Treatment benefit covers up to $100K in medical expenses for COVID-19, SARS-Cov-2, and any mutation or variation of SARS-CoV-2 based on policy maximum chosen
    • Acute Onset of Pre-existing Conditions Worldwide Including the USA up to age 64, $10,000 and 65-74, $5,000
    • Acute Onset of Pre-existing Conditions Worldwide Excluding the USA up to age 64, $50,000 and 65-74, $10,000