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Visitor Insurance Options

Atlas America International Major Medical

Affordable medical insurance for foreign nationals visiting the US. You have the freedom to choose any doctor, coverage from 5 to 364 days, and no medical questions to answer.

Atlas America International Major 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.

SPECIAL NOTE: NY, MD, WA Residents and Anyone Located in Canada or Australia*

If you are a resident of New York or a foreign national visiting New York, Maryland or Washington, Atlas America is not available for purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada or Australia at the time you wish to purchase Atlas America, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*
  • Guaranteed issue!—no health questions!
  • Up to $1,000,000 policy maximum (benefit reduced after age 69)
  • Immediate policy issue
  • Easy-to-quote daily rates
  • Up to $100,000 for acute onset of pre-existing conditions (for US citizens or foreign nationals up to age 69)
  • Emergency medical evacuation, terrorism, AD&D and repatriation coverage automatically included
  • For US citizens living or traveling abroad (5 days to 1,092 days)
  • For foreign nationals traveling within the US (5 days to 364 days)
  • 100% U&C coverage outside the US
  • Zero deductible option
  • Optional Crisis Response – $100k total benefit
  • Optional Higher AD&D – $100k total benefit
  • Optional Personal Liability – $100k total benefit
  • No Pre-certification requirements or penalties
State and Country Restrictions*

Atlas America is available in all states in the US, except New York, Maryland and Washington. The plan does not cover travel to or from the following countries: Iran, N. Korea or Sudan. Australian citizens residing in or traveling to Australia cannot purchase this plan. 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*

Atlas America is underwritten by Syndicate 4141 at Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s.

*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.

The Beacon Travel Medical Plan

The Beacon offers the most comprehensive schedule of benefits available in today's travel medical insurance market and all at an affordable price. The Beacon policy maximums are the highest offered among all of our various travel medical products. Don’t leave home without it!

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.

The Bridge Plan

Legal residents may have to wait up to 5 years before they are eligible for Medicare. US citizens may be eligible but have failed to enroll while others may only have enrolled in Part A or B. Our “Bridge Plan” is available to all of these people who are waiting for eligibility or until the next enrollment period.Click "Get a Quote and Apply" for the brochure and application. Fax to: (866) 793-4779 or 01 (480) 821-9297

The Bridge Plan Overview

Eligibility*

Non US Citizens can now Bridge the Gap to Medicare Eligibility with this unique 11 month medical plan!

Legal residents may have to wait up to 5 years before they are eligible for Medicare. US citizens may be eligible but have failed to enroll while others may only have enrolled in Part A or B. Our “Bridge Plan” is available to all of these people who are waiting for eligibility or until the next enrollment period.

Highlights and Benefits*

  • Up to $250,000 policy maximum (benefits reduce after age 74)
  • In and out of hospital benefits
  • Choice of 5 deductibles
  • 80/20 co-insurance
  • $10,000 co-insurance maximum
  • Choice of any doctor or hospital
  • Surgical benefits
  • Hospitalization and hospice facility benefits
  • Coverage is available up to 55 months, subject to underwriter approval

State and Country Restrictions*

The Bridge Plan is available in all US states, except: Colorado, Delaware, Iowa, Kentucky, Maryland, Mississippi, Montana, Nebraska, New Jersey, New York, North Carolina, Rhode Island, South Dakota, and Tennessee. The plan can only be used inside the US and its territories. Excluded states 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 Bridge Plan 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 application 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

Group travel medical insurance. One rate for all ages. Quick and simple.

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. The plan cannot be sold to citizens or residents of: Iran, N. Korea or Sudan. Applicants whose mailing address is in Australia cannot purchase this plan. Recommended for group travel medical.

SPECIAL NOTE: New York Residents and Anyone Located in Canada or Australia*

If you are a resident of New York, Washington, or Maryland or a foreign national visiting one of these states, Day Tripper Group Travel is not available for purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada or Australia at the time you wish to purchase Day Tripper Group Travel, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*
  • Guaranteed issue!—no health questions!
  • Up to $1,000,000 in international major medical protection
  • Up to $1,000,000 in emergency medical evacuation
  • Easy-to-quote and inexpensive daily rates, as low as $.49/day!
  • Terrorism, political evacuation, emergency reunion, AD&D and repatriation coverage automatically included
  • Up to $100,000 for an acute onset of a pre-existing condition coverage
  • Trip interruption coverage, lost checked luggage benefit, lost passport assistance, and more
  • Emergency dental care
  • 100% U&C coverage outside the US
  • Individual hazardous sports coverage included at no additional cost!
  • Optional Crisis Response – $100k total benefit
  • Optional Higher AD&D – $100k total benefit
  • Optional Personal Liability – $100k total benefit
  • No Pre-certification requirements or penalties
State and Country Restrictions*

Day Tripper Group Travel is available in all states in the US, except New York, Maryland and Washington. The plan does not cover travel to or from the following countries: Iran, N. Korea or Sudan. 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*

Day Tripper Group Travel is underwritten by Syndicate 4141 at Lloyd’s, London, rated A (Excellent) by Standard & Poor’s.

*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.

GeoBlue Xplorer

Expatriate health insurance for global living.

GeoBlue Xplorer Overview

Eligibility*

All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage or; All legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible if they live in an approved state or; An employee of a U.S. company, whereby the company is domiciled in an approved state and the company pays the insurance premium.

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

State and Country Restrictions*

GeoBlue Xplorer is available in the following states: Alabama, Arizona, California, District of Columbia, Florida, Hawaii, Illinois, Indiana, Iowa, Kentucky, Michigan, Mississippi, Missouri, Nebraska, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Wisconsin and Wyoming. If your client lives in another state, please contact us for assistance.

Plan Underwriter*

GeoBlue Xplorer is underwritten by a U.S. Licensed & Admitted Insurer: 4 Ever Life Insurance Company, rated A- (excellent) by A.M. Best.

*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.

Global Citizen

The Global Citizen health plan is designed to support the international lifestyles of those who travel to and from the United States for extended periods of business, leisure and study. If you leave home for six months or more, your health and financial security are at serious risk because of significant gaps in most available insurance coverage and services. The risk is only heightened by limited knowledge of health and safety hazards around the world, including medical treatment from unfamiliar providers.

Global Citizen Overview

Eligibility*

All U.S. citizens living abroad who are 74 or younger at the time of application are eligible to apply for coverage. All legal residents of the U.S. (citizens or foreign nationals) who are age 74 or younger at the time for application are eligible if they live in an approved state. An employee of a U.S. company, whereby the company is domiciled in an approved state and the company pays the insurance premium.

Highlights and Benefits*

  • Worldwide protection—only requires being overseas 3 months in the first year
  • Wide range of deductibles—from $0 to $25,000
  • Pre-existing conditions are covered after only 6-months (not after 2-years like other international plans)
  • HIPPA compliant (6-month pre-existing condition waiting period can be reduced or waived entirely with certificate of creditable coverage)
  • 100% coverage outside of the US for most benefits
  • Emergency medical evacuation and repatriation
  • $50,000 AD&D benefit
  • Unlimited lifetime medical max
  • Worldwide PPO network with more than 4,500 English-speaking doctors
  • 24/7 assistance call center

State and Country Restrictions*

This plan is available in the following states: AR, DC, CO, CT, DE, GA, ID, KS, LA, ME, MD, NV, NM, UT, VA, and WV.  Please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Global Citizen is underwritten by an outstanding U.S. Admitted Company–BCS Insurance Company, which is rated A- (Excellent) by A.M. Best for financial strength.

*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.

 

Inbound Choice

If you have a foreign national coming to the US for business, pleasure, to study or to visit, but need the lowest priced medical plan, then our Inbound Choice should be the product of "choice". For example, adults ages 19-29 can purchase health insurance for as little as $0.86 per day. A price anyone can afford, yet no one can afford to be without.

Inbound Choice Overview

Inbound Choice Details and Materials*

Eligibility
Non-US citizens traveling to the US. The plan must become effective within 24 months of arrival in the US.

Highlights and Benefits

  • Guaranteed issue up to age 69–and no health questions!
  • 24-Hour policy issue
  • Very affordable rates with a choice of 3 deductibles
  • Up to $130,000 maximum per injury/sickness benefit
  • Total freedom of choice plan–choose any hospital or doctor
  • Emergency medical evacuation, AD&D and repatriation benefits
  • Coverage up to two 364-day policy periods
  • underwritted by Lloyd’s, London, the world’s oldest and largest insurance market, rated A (Excellent) by A.M. Best Company

State and Country Restrictions
Inbound Choice is available in all US states. States are subject to change. Please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
Inbound Choice is underwritten by Lloyd’s, London, the world’s oldest and largest insurance market, rated A (Excellent) by A.M. Best Company.

*Questions about what you see here? Please give us a call at (800) 647-4589 or 01 (480) 821-9052.

Inbound® Immigrant Medical Plan

Our most affordable medical plan for foreign nationals visiting, residing in or immigrating to the US who are 60 years old and older. This plan can be renewed up to 5 years.

Inbound® Immigrant Medical Plan Overview

Eligibility
Non-US citizens traveling to or immigrating to the US, age 14 days or older are eligible under Inbound Immigrant. The plan must become effective within 24 months of arrival in the US.

If you are a non-US citizen and have been in the US longer than 24 months, please contact us at (800) 647-4589 or 01 (480) 821-9052 for an alternate plan.

Highlights and Benefits

  • Guaranteed issue policy—no medical questions and no age limits
  • In and out of hospital benefits
  • Up to $130,000 maximum per injury/sickness (benefit reduced after age 69)
  • Choice of deductibles
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Accidental death and dismemberment (AD&D)
  • Repatriation of mortal remains
  • This plan can be renewed up to a maximum of five, 364-day policy periods (1,820 days)

Please Note
This plan is a “limited benefit” plan with internal benefit maximums. It is not a major medical plan.

State and Country Restrictions
Inbound Immigrant 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
Inbound Immigrant is underwritten by Certain Underwriters at Lloyd’s of London and is rated A (Excellent) by 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.

Liaison® Majestic International Major Medical

Medical insurance for traveling in or out of the US. Coverage from 5 days to 3 years. This plan satisfies all visa requirements.

Liaison® Majestic International Major Medical Overview

Eligibility*

US and non-US citizens who are at least 14 days old and are traveling outside of their Home Country are eligible under Liaison Majestic. Home Country is defined as the country where a covered person has his or her true, fixed and permanent home and principal establishment.

SPECIAL NOTE: New York Residents and Visitors*

If you are a resident of New York or a foreign national visiting New York, Liaison Majestic is the plan we recommend due to certain state laws and restrictions within that state.

Highlights and Benefits*

  • Up to $1,000,000 policy maximum (benefit reduced after age 64 if traveling within the US; benefit reduced after age 69 if traveling outside the US)
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Trip interruption
  • Lost checked luggage
  • Emergency reunion
  • Political evacuation
  • Terrorism
  • Return of minor children
  • Accidental death and dismemberment (AD&D)
  • Repatriation of mortal remains
  • Optional hazardous sports coverage
  • This plan can be renewed up to 3 years (up to 364 days if you are 65 or older)
  • This plan satisfies Schengen visa requirements

State and Country Restrictions*

Liaison Majestic is available in all states in the US, except: Idaho and Washington. The plan does not cover travel to or from the following countries: Afghanistan, Chechnya, Cuba, Iran, Iraq, Pakistan, Palestine, and Somalia. 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*

Liaison Majestic is underwritten by Certain Underwriters at Lloyd’s, London, which is rated A (Excellent) by A.M. Best Company and A+ (Strong) by Standard and Poor’s.

*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.

Meridian International Major Medical

Affordable, annually renewable coverage for immigrants and US citizens living overseas. Our lowest priced long term plan.

Meridian International Major Medical Overview

Eligibility*

US and non-US citizens between 14 days and 74 years old and who reside outside of the US, as well as non-US citizens who cannot purchase health insurance within the US due to residency or citizenship status are eligible under Meridian.

Special Note: 2 Plan Options*

Meridian offers 2 levels of coverage: Essential and Enhanced.

Highlights and Benefits for Meridian Essential*

  • Up to $2,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Limited pre-existing condition coverage after 24 months of continuous coverage
  • Optional maternity rider with no waiting period
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

Highlights and Benefits: Meridian Enhanced*

  • Up to $5,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Limited pre-existing condition coverage after 12 months of continuous coverage
  • Maternity coverage after 12 months of continuous coverage
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

State and Country Restrictions*

Meridian 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*

Meridian 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.

If you can’t find what you’re looking for or have questions about visitor insurance options, please call (800) 647-4589 or 01 (480) 821-9052; or ask a Client Advisor and we’ll be in touch soon.