Long Term Travel Medical Insurance for Immigrants & Non Immigrants (H1 B, H4, L1, L2,B1, B2, etc...)

Long Term Comprehensive plans for Individuals & Families :

Being a global citizen can be an exciting experience, but it also comes with potential complications. Your health care while traveling should not be one of those concerns. With popular plans like Global medical insurance (GMI) and Meridian Basic & Enhanced plans, a revolutionary program from Community Insurance agency, Inc (CIA) you will receive the worldwide medical coverage you need, backed by the world-class services you expect.

With CIA, you will rest assured knowing that we have a dedicated department working to keep your insurance as affordable as possible. The costs of health care are rising, but we are committed to controlling those costs. As part of that commitment, IMG offers a Medical Concierge program, an unparalleled service that saves you on out-of-pocket medical expenses. IMG insurance plans also offer a cash incentive and to waive 50% of your deductible for choosing to receive treatment from some of the best medical facilities outside the U.S. You need the proper worldwide coverage, provided by a company that’s there for you when you need us most.

Who the plans is designed for?

Coverage for individuals or families living or working abroad
Contract employees living and working abroad
Seniors with dual residencies six months or longer outside the U.S

3 Easy Steps to Get Travel / Visitors Insurance^™ Quotes – Get quotes / Compare Plans

Insurance Carriers

Plans & Benefits Available

Administrator : Azimuth^℠ Risk Solutions

Carrier/Underwriter : Lloyd's of London

AM Best Rating : A+ (Superior)

BBB Rating : Accredited, A+

PPO Network:

Meridian Essential and Enhanced
US-Style Long Term medical insurance plan
- Meridian Essential - $5 Million Maximum Limit
- Meridian Enhanced - $5 Million Maximum Limit
- Deductible options available from $250 to $10,000
Meridian Clear Plan
Long Term plan - Quick issue & Flexible underwriting
- Meridian Clear - $2 Million Maximum Limit
- Deductible options available from $500 to $10,000
- Plan pays 100% of eligible medical expenses In PPO

Administrator : International Medical Group

Carrier/Underwriter : SiriusPoint Specialty Insurance Corporation

AM Best Rating : A Excellent

BBB Rating : Accredited, A+

PPO Network:

Global Medical Insurance^® (GMI)
- Plan Options: Bronze, Silver, Gold & Platinum
- Policy Maximums: $1 Million, $5 Million, $8 Million
- Deductible Options are available from $250 to $10,000
- 50% of deductible waived if treatment inside the US using Medical Concierge
- Plan pays 100% of eligible medical expenses In PPO
- Platinum plan covers Maternity after 10 months of waiting period
- Optionary Riders including (Dental & Vision, Global Term Life, Accidential Death and Dismemberment, Terrorism, and Sports)
- *** 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 : BCBS (USA) & GeoBlue (outside USA)

Carrier/Underwriter : 4 Ever Life International Limited

AM Best Rating : A- (Excellent)

BBB Rating : Accredited, A+

USA PPO Network: Blue Card Network

GeoBlue Xplorer^® - Essential and Premier
- International health insurance
- GeoBlue Xplorer Premier Benefit Schedule – Available/Eligible for - U.S.A (In-Network) – 80% coverage or U.S.A (Outside Network) 60% coverage & Benefits Outside U.S.- 100% coverage
- GeoBlue Xplorer Essential Benefit Schedule- Available/Eligible Outside U.S. Only- 100% coverage
- Coverage of COVID-19 testing and treatment, at no additional cost
- Unlimited lifetime max on medical
- 100% coverage abroad
- Xplorer Premier plan includes U.S. coverage, Xplorer Essential does not include U.S. coverage , Xplorer Essential plan may include optional basic U.S. benefits upgrade that covers accidents and illnesses inside the U.S. for up to 3 visits per year, up to 21 days per visit
- Unlimited annual and lifetime medical maximum.
- Deductible waived for office visits with doctors
- No waiting period or sublimit for preventive services.
- Meets all Schengen Visa requirements, also see schengen visa insurance plans.
- Pre-existing conditions covered with creditable coverage.

Administrator : Global Underwriters

Carrier/Underwriter : C&F Cayman SPC for and on behalf of ITI SP

AM Best Rating : A (Excellent)

BBB Rating : Accredited, A+

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 : Cigna

Carrier/Underwriter : Cigna

AM Best Rating : A

PPO Network:

Cigna Global
- $1,000,000 annual maximum Cigna Global Silver
- $2,000,000 annual maximum Cigna Global Gold
- Unlimited annual maximum Cigna Global Platinum
- 12-month plan, optional cost shares and deductibles
- Annual Dental Treatment benefit maximum
- Eye Test and Eye Expenses benefits
- Cancer Screening benefits
- Health and Wellbeing Benefits
- Mental and Behavioral Health Care benefits
- 12 months of Routine maternity Care, Complications from maternity, Homebirths and Newborn Care

Administrator : Peterson International

Carrier/Underwriter : Lloyd's of London

AM Best Rating : A+ (Superior)

BBB Rating : A+

PPO Network:

The Bridge Plan
Age 60 to 95 maximum
- New U.S. Residents awaiting Medicare Eligibility
- U.S. Residents awaiting Medicare Eligibility
- U.S. Residents without Medicare Part A or Part B
- Foreign Nationals Visiting in USA
- Green card Holder Living in USA
- US citizens - single policy period 11 months
- Part A Or B Benefits option
- Ages between 60 to 95 maximum
- Coinsurance – Once the deductible has been fulfilled, the policy will cover 100% up to the policy maximum
- Deductible options available from $1000 to $10,000
- Maximum limits available from $25,000 to $250,000
- Plan not available in states of CA, CO, CT, DE, IA, KY, ME, MD, MS, MO, MT, NB, NJ, NY, NC, RI, SC, SD & TN

Long Term International Insurance Plans

Worldwide coverage including/excluding USA & Canada

Long Term Comprehensive plans for Individuals & Families :