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Atlas America International Travel Medical Overview

Eligibility*

Only non-US citizens who are at least 14 days of age are eligible for coverage inside of the US, under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $100,000 Overall Maximum or less. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum. COVID-19/SARS-CoV-2 ARE Covered!

Highlights and Benefits*

• • Guaranteed issue!—no health questions!
  • Covers COVID-19/SARS-Cov-2
  • Coverage from 5 to 364 days.
  • No Age Limits
  • Competitive Rates
  • Choice of 6 Medical Maximums up to $2,000,000
  • In & Out of Hospital Benefits
  • Choice of 7 Deductibles (NO deductible option)
  • 100% Coverage after your deductible up to the policy maximum
  • NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Accidental Death ($25,000)
  • Purchase on-line application & print ID card
  • Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Atlas International Travel Medical Overview

Eligibility*

US and non-US citizens who are at least 14 days of age are eligible for coverage outside of their Home Country, under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $100,000 Overall Maximum or less. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum. COVID-19/SARS-CoV-2 ARE Covered!

Highlights and Benefits*

• • Guaranteed issue!—no health questions!
  • Covers COVID-19/SARS-Cov-2
  • Coverage from 5 to 364 days.
  • No Age Limits
  • Competitive Rates
  • Choice of 6 Medical Maximums up to $2,000,000
  • In & Out of Hospital Benefits
  • Choice of 7 Deductibles (NO deductible option)
  • 100% Coverage after your deductible up to the policy maximum
  • NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Accidental Death ($25,000)
  • Purchase on-line application & print ID card
  • Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Atlas MultiTrip Overview

Eligibility*

US citizens or foreign nationals who are at least 14 days old, enrolled in a primary health insurance plan in their home country, and are traveling outside their home country are eligible under Atlas MultiTrip. COVID-19/SARS-CoV-2 ARE Covered!

Highlights and Benefits*

• Guaranteed issue!—no health questions!
• Covers COVID-19/SARS-Cov-2
• Covers up to either 30 or 45 days per trip (no limit to number of annual trips)
• No Age Limits
• Competitive Annual Rates
• Coverage up to $1,000,000
• In & Out of Hospital Benefits
• Only a $250.00 Deductible
• 100% Coverage after your deductible
• NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
• Emergency Medical Evacuation
• Repatriation of Mortal Remains
• Accidental Death ($25,000)
• Purchase on-line application & print ID card
• Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

The Beacon Travel Medical Plan Overview

Eligibility*

Anyone more than 14 days old who travels outside of their home country should be protected with the Beacon Series. If you are a US citizen, your home country is always the US. If you are a non-US citizen, your home country is the location of your principal residence and where you receive mail at the time of your
application for insurance.

Highlights and Benefits for Beacon Travel Medical Plan

• Up to $2,000,000 policy maximum (for travel outside of the US)
• Up to $1,100,000 policy maximum (for travel inside of the US)
• $0 deductible option
• In and out of hospital benefits
• Emergency Medical Evacuation
• Accidental Death and Dismemberment
• Accidental Dental coverage
• Trip Interruption
• Third Party Liability
• Trip Delay/Missed Connection
• Optional Extreme Sports Rider
• Terrorism coverage
• This plan can be renewed up to 730 days
• Plus more!

State and Country Restrictions*

The Beacon is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

The Beacon is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Cigna Close Care Plan Overview

Eligibility*

If you are planning on relocating to a new country and only need your health care covered in that country, as well as temporary trips home to visit family and friends – this is the plan for you.

Perhaps you are a student embarking on a new adventure away from home, or looking to enjoy your retirement in a new country, or; you are embarking on an expatriate work assignment. Rest assured, Cigna will cover you comprehensively when you need us most. What’s more, you have the added comfort of our Out of Area Emergency care benefit which covers you for any
unexpected medical needs when you are on a short trip outside your area of coverage.

Why Choose the Cigna Close Care Plan:

• You are looking for health insurance, but do not need worldwide coverage
• You only require coverage in your country of residence and when you return home for visits
• The quality of your local country’s healthcare system does not meet your standards or needs
• You want access to our network of trusted hospitals, physicians and other healthcare professionals, allowing you to visit any hospital, medical practitioner or clinic of your choice in many countries
• You would like the flexibility to tailor a cost-effective plan to suit your individual needs
• Our Customer Care Team is always available to speak with you day and night, 24/7 with multi-language capabilities
• Our Global Health Assist Service which is provided by our expert Clinical team, will offer advice, help and guidance throughout your treatment journey and time with Cigna.

List of Benefits:

• Area of Coverage
  • The area of coverage is limited to your country of habitual residence and country of nationality.
  • USA coverage is included if the country of habitual residence is the USA.
  • USA nationals can choose to purchase USA coverage (if the policyholder does not elect to purchase USA coverage, then beneficiaries do not have coverage on visits home).
  • USA area of coverage is not permitted if either of the options above do not apply.
• Your Overall Limit
  • Annual benefit – maximum per beneficiary per period of cover – $500,000
  • Condition limit – this is the annual amount we will pay towards all costs of treatment following the diagnosis of a condition – $250,000
• Out of Area Emergency Cover
  • $40,000 – Emergency inpatient, daypatient and outpatient medical treatment during temporary trips outside your country
    of habitual residence or country of nationality. This is limited to 21 days per trip and a maximum of 45 days per policy year. Emergency outpatient treatment is included up to $2,500/€1,850/£1,650. This is only available if you have
    selected the Outpatient and Wellness Care option.
• Hospital Charges
  • Paid in full for a semi-private room
  • Operating room
  • Prescribed medicines
  • Treatment room fees for outpatient surgery
  • Intensive Care
• Plus more!

Plan Underwriter*

For insurances provided by Cigna Global Insurance Company Limited, the underwriting agent is Cigna Insurance Management Services (DIFC) Limited which is regulated by the Dubai Financial
Services Authority.

*Questions about what you see here? Please review the policy Brochure for a summary of the plan for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Day Tripper Group Travel Medical Overview

Eligibility*

Groups of US citizens or foreign nationals who are at least 14 days old and are traveling outside their home country are eligible under Day Tripper Group Travel. Now covers COVID-19/SARS-Cov-2! 

Highlights and Benefits*

• Guaranteed issue!—no health questions!
• Covers COVID-19/SARS-Cov-2
• Coverage from 5 to 364 days.
• No Age Limits
• Competitive Rates
• Choice of 6 Medical Maximums up to $2,000,000
• In & Out of Hospital Benefits
• Choice of 7 Deductibles (NO deductible option)
• 100% Coverage after your deductible up to the policy maximum
• NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
• Emergency Medical Evacuation
• Repatriation of Mortal Remains
• Accidental Death ($25,000)
• Purchase on-line application & print ID card
• Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

BlueCross BlueShield Global Multi-Trip Overview

Eligibility*

Available to U.S. residents, age 95 or younger, who live in approved states. The initial purchase must be made in your home country prior to departing on your trip. Maximum benefit per insured person per policy period $1,000,000 (For individuals aged 70-95, the Maximum benefit is $200,000). See Eligibility Requirements. Covers all international trips (up to 70 days duration per trip) in a 364 day period.

Highlights and Benefits*

• Either $100 or $200 deductible
• Up to $1,000,000 (For individuals aged 70-95, the Maximum benefit is $200,000)
• Guaranteed issue–up to age 95
• Low cost
• Emergency medical evacuation up to $500,000
• Repatriation of mortal remains coverage
• Accidental death up to $25,000
• Beside visit coverage up to $2,500
• No exclusion of pre-existing conditions regardless of age (with eligibility) –no pre-ex waiting period!
• Terrorism coverage automatically included (In order to be covered in countries where there are open hostilities, such as Ukraine, a member must not be engaged in hostile or combative activities)
• Covers an unlimited number of trips per year up to 70 days per trip

State and Country Restrictions*

BlueCross BlueShield Global Multi-Trip is not available in all states. Get a quote to see if your state is eligible.

Plan Underwriter*

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

BlueCross BlueShield Global Single-Trip Overview

Eligibility*

This plan is available to U.S. residents, 95 or younger, who live in approved states. Children under age 6 must be enrolled with a parent. The initial purchase must be made in your home country prior to departing on your trip. Must be enrolled in a primary plan to be eligible for a pre-existing condition eligible plan (Single Trip Platinum). The Primary Plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.

Highlights and Benefits*

• Up to $1,000,000 medical/$500,000 evacuation
• Up to 182 days of coverage. One policy extension is available
• A choice of medical limits and deductibles
• Pre-existing conditions coverage is available (with Single Trip Platinum)*
• Two levels of coverage are available: Gold and Platinum*
• Group plans are available with a 10% discount for groups of five or more.
• Available up to age 95*.

State and Country Restrictions*

BlueCross BlueShield Global Single-Trip is available most states. Get a quote to see if your state is eligible.

Plan Underwriter*

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

BlueCross BlueShield Global Long-Term Overview

Highlights and Benefits*

• Worldwide protection–only requires being overseas 3 months in the first year
• Ability to define your deductible
• Pre-existing conditions are covered with credible coverage
• 100% coverage outside of the US for most benefits
• Emergency medical evacuation and repatriation
• $50,000 AD&D benefit
• Unlimited annual lifetime medical maximum
• Worldwide PPO network with thousands of English-speaking doctors
• 24/7 assistance call center

Plan Underwriter*

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

High Limit Accidental Death Insurance Overview

Why do I need Accidental Death & Dismemberment Protection?*

Traveling or living overseas can have it’s dangers. For example, the biggest cause of death for US citizens traveling or living overseas is automobile accidents. Plus many countries where our clients travel present a higher risk of danger due to adverse living conditions, terrorism or war. Protect your family 24/7 by purchasing our affordable accident death protection whether it’s for only a few days or a few years. Simplified issue with NO medical underwriting!

Anyone ages 18-74 who needs accident protection, including…*

• Missionaries living overseas.
• Personal or Business Travel – Domestic or International.
• War Zone coverage – Most life insurance companies will not cover individuals that travel to War Zones or who have recently traveled to War Zone, with the High Limit Accident policy we have no problem providing coverage to them in these high risk areas.
• Contractors in War Zone who need to provide coverage to their employees.
• Security Guards in War Zones who need personal coverage.
• Hazardous occupations such as Logging, Roughneck, Fisherman, Pilots and many more.
• Key Person coverage.
• High Limits – $50,000,000 or more.
• Personal or Business Travel – Domestic or International.
• Estate Planning Purposes.
• Can be tailored to include: war & terrorism, aviation, common carrier, motor racing, mountain climbing, and more!

State and Country Restrictions*

High Limit Accidental Death Insurance is available in all states except: Colorado, Connecticut, Montana and Rhode Island. Excluded states and countries are subject to change; please contact us at (800) 647-4589 for an up-to-date list.

Plan Underwriter*

High Limit Accidental Death Insurance is underwritten by certain underwriters at Lloyd’s of London, the world’s oldest and largest insurance market.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 

USAway Travel Major Medical Overview

Eligibility*

Great for US citizens traveling outside the USA including all “US territories” or “dangerous” countries of conflict that other travel medical plans exclude. For ages 0 – 80. Medical Maximum up to $5,000,000.00. Can be issued from 1 day up to 6 months with rewrites.

Highlights and Benefits*

• Guaranteed issue!—no health questions!
• Up to $5,000,000 policy maximum (benefit reduced after age 69)
• Immediate policy issue
• Covid medical rider available
• Emergency medical evacuation, terrorism, AD&D and repatriation coverage automatically included
• After the deductible, 100% UCR (NO co-insurance)
• Zero deductible option
• Great optional Hazardous Sports Rider
• Plus more!

State and Country Restrictions*

USAway Travel Major Medical is available in all states and countries EXCEPT AK, CO, CT, DE, IA, KY, MD, ME, MO, MS, MT, NC, NE, NJ, NM, NY, RI, SC, AD, & TN. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.