Solutions for
International Insurance Coverage
(Click on every individual plan to get their Description of Benefits, Application Forms and Rates.)
|
Features |
USA® | VisitAmericaSM | International® | Premier® | Global® I | Global® II |
| Purpose for Coverage | For an international exchange activity- such as business, academic, research, cultural, training activity - generally sponsored or arranged by an organization or company | For leisure or personal travel or to visit
relatives in the U.S. |
For short-term travel anywhere except to the U.S. | For travel or work assignments abroad for 6 or more consecutive months (not available for B visa holders --- see USA or VisitAmerica) | For frequent travel during an annual term - duration of each trip abroad is 45 or less consecutive days from date of departure from home to date of return | For extended travel during a 6 month or annual term - durating of each trip aborad is more than 45 consecutive days from date of departure from home to date of return |
| Scope of Coverage | Inbound to U.S. plus side trips to Canada,
Bermuda, Bahamas, Mexico |
Inbound to U.S. plus extention for side
trips to Canada, Bermuda, Bahamas, Mexico
|
Worldwide except to the U.S. | Worldwide | Worldwide | Worldwide |
| Terms of Coverage Available | 15 days up to 18 months |
15 days up to 6 months |
15 days up to 180 days | 6 months up to 5 years |
Annual Renewable Annually | 6month term or annual term renewable |
| Effective Date | The latest of : a> your arrival date in the US, OR b> the date your Application & premium are recieved, OR c> the date you request on the Application Form | The latest of: a> your arrival date in the US, OR b> the date you request on the Application Form, OR c>12:01 a.m. on the day following receipt of Application and Premium | The latest of: a> the date of your departure from your Home Country/Country of Residence, OR b> the date your Application and premium are received, OR c> the date you request on the Application Form | The latest of: a> the date of your departure from your Home Country/Country of Residence, OR b> the date your Application and premium are received, OR c> the date you request on the Application Form | The latest of: a> the date your Application and premium are received, OR b> the date you request the Plan to begin. | The latest of: a> the date your Application and premium are received, OR b> the date you request the Plan to begin. |
| Termination Date | The earlier of: a> the date you depart for a location outside the US or any of the other covered destinations, OR b> the date shown on the proof of coverage documents mailed after enrollment | The earlier of: a> the date you depart for a location outside the US or any of the other covered destinations, OR b> the date shown on the proof of coverage documents mailed after enrollment. | The earlier of: a> the date you return to your Home Country/Country of Residence, OR b> 180 days after the effective date, OR c> the date shown on the proof of coverage documents mailed after enrollment | The earlier of: a> the date shown on proof of coverage documents issued upon enrollment or renewal, OR b> automatically on the date you return to your Home Country/Country of Residence for other than a temporary return visit. | Unless the Plan is renewed, the latest of a> 12 months following the effective date, OR b> the end of a period of coverage fro a trip that commenced prior to your Plan's termination date | 6-Month Plan: 6 months following the effective date. Annual Plan: 12 months following the effective date, unless the Plan is renewed. |
| Period of Coverage | Starts from the effective date and continues without interruption for the number of months you request, as long as premium is paid at the time you apply. You may apply for additional months by completing a new Application. Each Application represents a separate period of coverage, subject to new deductible and plan limitations. | Starts from the effective date and continues without interruption for the number of months you request, as long as premium is paid at the time you apply. You may apply for additional months by completing a new Application. Each Application represents a separate period of coverage, subject to new plan limitations. | Starts from the effective date and continues without interruption for the number of days you request, as long as premium is paid at the time you apply. | Starts from the effective date and continues without interruption for the number of months you request, as long as premium is paid at the time you apply. **See Description of Benefits for coverage during temporary visit.** | Begins with your departure from your Home Country or Country of Residence and ends upon your return to the same. Coverage is activated automatically for each trip. | Begins with your departure from your Home Country or Country of Residence and ends upon your return to the same. Coverage is activated automatically for each trip. |
| Eligibility | Your passport is from a country other than the US AND the primary purpose of your stay in the US is to participate in a sponsored or planned international exchange activity. Your spouse and/or unmarried children who are over 14 days old and under the age of 18 who accompany you are also eligible. | Your passport is from a country other than the US, And you are visiting for holidays, vacation, or to visit family members of friends living in the United States, And you are under age 70, And you enroll in Gateway Visit America within 7 days of your arrival in the US. Your spouse under age 70 and/or unmarried children who are over 14 days old and under age 18 are also eligible if they meet the same requirements. | You will be traveling outside your Home Country/Country of Residence for 180 days of less. Your spouse and/or unmarried children over 14 days old and under age 18 are also eligible. * Not available for travel to the US. * For purpose of this plan, if your passport country (Home Country) is different from the location or country in which you permanently reside (Country of Residence), you will not be covered in either location. * Please note: Home Country is the country from which an insured person holds a passport, Country of Residence is the location or country where the insured person maintains a primary permanent residence. If the US is your Home Country/Country of Residence, for the purpose of eligibility in this plan, the US means the 48 contiguous states, plus Alaska, Hawaii and District of Columbia. | Your plan to travel abroad, outside your Home Country/Country of Residence, for 6 or more consecutive months. Your spouse and/or unmarried children who are over 14 days old and under age 18 are also eligible if they meet the same requirements. Children age 18 and older, who meet eligibility requirements, may apply under separate Application. * Persons holding B visa type for travel to the US are not eligible to enroll. * For purpose of this plan, if your passport country (Home Country) is different from the location or country in which you permanently reside (Country of Residence), you will not be covered in either location. * Please note: Home Country if the country from which an insured person holds a passport, Country of Residence is the location or country where the insured person maintains a primary permanent residence. If the US is your Home Country/Country of Residence, for the purpose of eligibility in this plan, the US means the 48 contiguous states, plus Alaska, Hawaii and District of Columbia. | You plan to travel outside your Home Country/Country of Residence for 45 days or less between your departure and your return home, regardless of number and frequency during the year of coverage. Your spouse and/or unmarried dependent children who are over 14 days old and up to age 19, or up to age 23 if full-time student at an accredited institution of higher learning are also eligible when the Family Plan is selected. * Please note: Home Country is the country from which an insured person holds a passport, Country of Residence is the location or country where the insured person maintains a primary permanent residence. | Annual Plan: Your extended travel will occur during a 12-month period and each international trip is more than 45 consecutive days but does not exceed 365 days. 6-Month Plan: Your extended travel will occur during a 6-month period and each trip is more than 45 consecutive days but does not exceed 185 days. Spouse and/or unmarried dependent children who are over 14 days and up to age 19, or up to age 23 is fulltime student at an accredited institution of higher learning are also eligible when the Family Plan is selected. Travel must take place outside your Home Country or Country of Residence. Home Country if the country from which an insured person holds a passport, Country of Residence is the location or country where the insured person maintains a primary permanent residence. |
|
Benefits |
USA® | VisitAmericaSM | International® | Premier® | Global® I | Global® II |
| Accident & Illness Medical | $50,000 (Plan A) or $100,000 (Plan B) | $50,000 for illness $100,000 for accident | $25,000 (Plan A) or $100,000 (Plan B) | $500,000* | Optional $25,000 or $100,000 | Not Available |
| Deductible(s) | $150 applied once during each period of coverage | $150 applied per each occurrence | $100 applied once during each period of coverage | $100, $500, $1,000 applied once during each period of coverage of up to 12 months | $300 applied once during each period of coverage | . |
| Co-Insurance Level | @80% first $5,000, thereafter @100% | @80% | @100% | @80% first $5,000, thereafter @100% | @100% | . |
| Emergency Medical Evacuation | $50,000 | $50,000 | $100,000 | $100,000 | Unlimited - Includes political Evacuation to $10,000 | $100,000 |
| Return of Minor Children | N/A | N/A | $5,000 | $5,000 | $5,000 | $5,000 |
| Repatriation of Remains | $20,000 | $20,000 | $20,000 | $20,000 | Unlimited | $30,000 |
| Accidental Death & Dismemberment Indemnity | $25,000 | $25,000 | $25,000 | $25,000 | $200,000 | $200,000 |
| Worldwide Travel & Medical Assistance Services | Included | Included | Included | Included | Included | Included |
|
Options |
USA® | VisitAmericaSM | International® | Premier® | Global® I | Global® II |
| Add Additional AD&D | $100,000 | $100,000 | $100,000 or $250,000 | $100,000 or $250,000 | Increments up to $1,000,000 | Not Available |
| Add War Risk Coverage |
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. | . | . | Approved & Rated Separately | . |