Travel Insurance
International Travel Medical Insurance for USA residents traveling abroad
Planning is key to making the most of your trip. Consider adding travel health insurance to your preparation, whether traveling internationally or out-of-state. It provides added peace of mind for unplanned situations that may arise. With rates starting as low as $1 per day, cheap travel medical insurance is an affordable way to stay insured while away. Applying is easy: get a quote, complete a short online application, pay by credit card, and you’re on your way!
General Plans Short and long-term international health plans for all varieties of travel. VOYAGER | Single Trip; TREKKER | Multiple Trips; XPLORER | Long Term | Expatriate
Specialty Plans International health plans are designed for group and educational experiences and long-term assignments.
For more information, click International Travel Medical Insurance.
General Plans
Short and long-term international health plans-
VOYAGER | Single Trip
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TREKKER | Multiple Trips
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XPLORER | Long Term | Expatriate
Specialty Plans
International health plans designed for group and educational experiences and long term assignments.-
VOYAGER | Single Trip | Groups
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NAVIGATOR | Long Term | Education
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NAVIGATOR | Long Term | Crew
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AVIGATOR | Long Term | Missionary
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CORPORATE | Long and Short Term
Visitor Medical Health Insurance
Visitor medical insurance provides medical coverage for individuals traveling to the United States on a B1/B2, F1/F2, J1/J2, or Fiance visa. These visas are issued to those visiting the US for business, tourism, or education purposes.
Applying for visitor medical insurance is easy. Simply get a quote, complete a short online application, and pay by credit card, and you’re on your way! Coverage can start as soon as the next day.
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International Group Visitor, Student, and Missionary Health Insurance
Types of Visitor Health Insurance
The Visitor Health Medical Insurance for Visa B1/B2, F1/F2, J1/J2, and Fiance Visa is a type of medical insurance that is specifically designed for individuals who are visiting the United States on a visa status.
This type of insurance provides coverage for medical expenses that may be incurred during the individual’s stay in the United States. This may include coverage for emergency medical treatment, hospitalization, and other medical expenses that may arise during the individual’s stay in the United States.
It is important to note that the coverage provided by the Visitor Health Medical Insurance for Visa B1/B2, F1/F2, J1/J2, and Fiance Visa may vary depending on the policy that is purchased. Some policies may provide more comprehensive coverage than others, and the cost of the insurance may also vary depending on the level of coverage that is selected. When purchasing this type of insurance, it is important to carefully review the policy details and select a policy that provides the appropriate level of coverage for the individual’s needs.
Health plans are classified under five (5) major categories called Metal tiers to make comparing them easier. PLATINUM, GOLD, SILVER, BRONZE, and CATASTROPHIC. The categories are divided according to the percentage % of health care costs they pay, and they include the following:
Visa B1/B2
Visa F1/F2
Visa J1/J2
Fiance Visa
With these categories, you’ll also find different structures:
Health maintenance organization (HMO): HMOs (Health Maintenance Organizations) are an economical alternative to PPOs. They have smaller networks but are more affordable. Remember that a referral to a specialist is required after seeing your primary care physician.
Preferred provider organization (PPO): PPOs, or preferred provider organizations, typically come with a higher cost. However, the benefit is a larger network of providers and the ability to see one outside of the network. Additionally, you can see specialists without needing a referral.
Exclusive provider organization (EPO): EPO (Exclusive Provider Organizations) are a type of health insurance plan that combines features of both HMOs and PPOs. Like HMOs, EPOS have exclusive networks which make them less expensive than PPOs. However, unlike HMOs, you have the flexibility to make your own appointments with specialists, like with PPOs.
Point-of-Service Plan (POS): A POS plan is a type of health insurance that combines features of both PPO and HMO plans. It provides coverage for medical services received from healthcare providers outside the plan network but at a reduced level of benefits and discounts.
Choosing the Plan That’s Right for You
When selecting a personal health insurance plan that meets your needs, there are several factors to consider. Take into account the following aspects and assess how they will impact your plan:
Exclusions
Unexpected Recurrence of a Pre-existing Condition (US Citizens Only)
The plan shall pay up to a maximum of $20,000 ($2,500 for age 65 and older) of Covered Expenses incurred from a sudden and unforeseen recurrence of a Pre-existing Condition. This does not include coverage for known, scheduled, required or expected medical care, drugs, or treatments existent or necessary prior to the Insured Person’s effective date of coverage.
Only such Medical Expenses which are incurred within 30 days from the date of recurrence of Illness, and which are not excluded will be considered Covered Expenses under this benefit. Note: This benefit is not available to Non-US citizens.
Renew
Renewal - Coverage is renewable if: 1) The Insured Person(s) meet all the eligibility requirements of the policy; 2) The Insurance Plan has not lapsed or terminated for any reason; and 3) The renewal coverage does not exceed the maximum allowable period of coverage. Maximum allowable period of coverage is defined as follows: thirty-six continuous months for ages 14 days to 69 years, twenty-four continuous months for ages 70 to 79, and twelve continuous months for ages 80+.
Cancel
A refund of the plan cost, less a $25 processing fee, will be considered only when written request is received by Global Underwriters prior to the Effective Date of Individual coverage.
After the Effective Date of Individual coverage, the plan cost is considered fully earned and non-refundable.
Partial refunds are not available.