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International Health Insurance, Travel Health Insurance, Expatriate Insurance, Visitors Insurance, Missionary Insurance, more. All Dependable U.S.-Style!
Over 30 Years of Health Insurance Experience
GLOBAL MEDICAL SECURITYHome | Plans & Rates | Buy Smart | U.S.-Style | Guarantees | Value-Added | Contact/About Us | Links | Legal
Here's help in finding the best travel insurance supplement for your exact needs, situation, and budget.
Page Contents...
- Introduction
- Plan Comparison Table
- TravelGap Multi-Trip
- Liaison Traveler (undergoing revisions, new
plan soon)
Introduction... Choose the Best Supplement for Your Exact Needs
Each year, millions of people travel internationally. While many may have Home Country medical coverage, few will have the proper coverage for traveling abroad.
Here are two competing U.S.-Style travel supplements, designed to offer emergency medical evacuation (Medevac), emergency medical insurance, repatriation of mortal remains, accidental death and dismemberment (AD&D), 24/7 travel assistance services, and other incidental coverage for persons traveling outside their Home Country. (Note: the TravelGap Multi-Trip plan also provides coverage within the USA when you are 200 miles are more from your home area.)
We believe these are two of the very best Medevac & travel insurance supplements on the market today. For your peace-of-mind, both are insured by fully-regulated U.S. insurance companies. (For why this is important, see Buy Smart - Tips, Temporary.)
Otherwise, these plans differ in many respects. Here we highlight some of the main differences in order to help you identify the plan choice that best meets your exact needs and situation.
| Name of Insurance Plan |
TravelGap Multi-Trip | Liaison Traveler (Currently Not Available -- new plan coming soon.) |
|---|---|---|
| Insurance Company | Varies by state - HM Life Insurance Co., HM Life Insurance Co. of New York, UniCare Life & Health Insurance Co. | The Insurance Company of the State of Pennsylvania |
| Eligibility | U.S. residents only, age 84 or less, who are enrolled in a "Primary Health Plan." Must be in the USA at time of purchase (Not available in all states.) |
Available to anyone traveling outside of their "Home Country." May be purchased while in home country or abroad. No maximum age limit. |
| Coverage Period(s) | Annual | 3 months, 6 months, or Annual |
| Coverage Area | Outside the USA, plus in the USA when at least 200 miles or more away from your home area. |
Outside of your home country only. (No coverage in your home country.) |
| A Sample of Benefits (partial listing only) |
Emergency medical evacuation (Medevac), Repatriation of mortal remains, Emergency reunion, AD&D, 24/7 worldwide assistance, Medical included (varies by plan option) |
Emergency medical evacuation (Medevac), Repatriation of mortal remains, Emergency reunion, AD&D, 24/7 worldwide assistance, Medical (optional) |
| Optional Benefits | Choice of "Silver" or "Gold" Plans. Some medical insurance included in both plan options. Gold Plan up to $250,000. Medical insurance limits reduced within the USA. (In the USA, you must be at least 200 miles from your home area to be covered). |
To age 65, optional Medical insurance to $25,000, subject to deductible, pre-existing conditions, and other exclusions. Option to increase Accidental Death & Dismemberment (AD&D) insurance in increments up to $1,000,000 maximum. |
| Sample Rates | Gold Plan (includes up to $250k medical) 50 and under ... Individual $159/annual age 51 to 84 ... Individual $199/annual Silver Plan starts at only $89/year |
All ages ... $173/annual Add $25k medical option ... $50/annual |
| "Frequent Travel" Plans, Maximum Trip Duration |
70 day trip maximum, No limit on number of trips. |
No limit for basic trip benefits. 60 day max for (optional) medical benefits. |
| Medical Insurance Coverage for Scuba Diving (PADI cert.), Alpine Skiing |
Yes, up to $10,000 maximum | No. |
| Medical Insurance Coverage for "Pre-existing Condition" |
"Pre-existing conditions" are covered. Note: you must have "Primary Health Coverage" to be eligible. |
Optional medical insurance does NOT cover "pre-existing conditions." |
| Medical Insurance Coverage for Complications of Pregnancy |
Yes, included | No, excluded |
Information in the above table is for summary purposes only. See brochures for all details, terms, and conditions.
TravelGap Multi-Trip... Annual Medevac and Travel Insurance Supplement
Administered by HTH Worldwide Insurance Services, Philadelphia, PA, USA
Insured by UNICARE Life & Health, or HM Life Insurance Company (varies by state)
TravelGap
Multi-Trip -- Quote & Apply On-Line (opens in a new Window)
TravelGap Multi-Trip Brochure -- at the top of the
Quote page, follow the "Benefits" link.
TravelGap Multi-Trip, Actual Policy Wording -- at the top of the
Quote page, follow the "FAQs" link and see the answer to question #9: "How do I read the fine print?" You will find a link to the Gold and Silver Plan Certificates (actual policy wording).
Plan Advantage - Two insurance coverage options are available, a high-end "Gold" plan and a very economical "Silver" plan.
Plan Advantage - This insurance supplement provides coverage both outside and inside the USA. For benefits within the USA, you must be over 200 miles from your home area. This is an excellent feature for anyone on an HMO or similar health plan, where your benefits are greatly reduced when you are "out of network." (Note that medical benefits are lower within the USA. If insurance coverage within the USA is an important feature, then the "Gold" plan is your best choice.)
Plan Advantage - Medical coverage is included, with no exclusion for pre-existing medical conditions. Coverage for complications of pregnancy is included. Coverage for scuba diving and alpine skiing is included ($10,000 maximum).
Limitations to Note - In order to qualify, you must be a U.S. resident currently enrolled in a "primary health plan." Ages 85 and above are not eligible. Trips in excess of 70 days outside of your home area are not covered. (No limit on the number of trips.)
This plan may not be available in all states. For residents of New York State, there is a 30% rate-up in premium.
Summary - For eligible persons, this is one of the most comprehensive Medevac & travel supplements on the market today.
Liaison Traveler... International Medevac and Travel Insurance Supplement
Not available at this time. New plan
coming soon.
Liaison Traveler -- Quote & Apply On-Line (opens in a new Window)
-- Not available at this time.
Liaison Traveler Brochure -- from the Quote page, in the left-hand column, see the "View Brochure" link.
Liaison Traveler, Actual Policy Wording -- from the Quote page, in the left-hand column, see the "View
Program Summary" link.
Plan Advantage - Eligibility. This Medevac & travel supplement is available to anyone, anywhere in the world, who is traveling outside of their home country. The insurance may be purchased while within your home country or abroad. Optional coverage periods include 3 months, 6 months, and annual.
Plan Advantage - There is no limit on the length of coverage outside of your home country. (Note however, the optional medical insurance benefit is only effective for the first 60 days of travel.)
Plan Advantage - If your travel includes high-risk areas of the world, consider these benefits. Political evacuation benefit is included. $100,000 in Accidental Death & Dismemberment (AD&D) coverage is included, with the option of increase up to $1,000,000. (Additional AD&D coverage is available to the primary insured only.)
Limitations to Note - Optional medical insurance is subject to a "pre-existing condition" exclusion. No coverage for complications of pregnancy. No coverage for specific named hazards, including motorcycle driving, scuba diving, and mountain climbing.
Summary - With no maximum age or geographical limits, this is one of the most widely available Medevac & travel supplements on the market today.
This is Your Best Place for International Insurance.
Plans & Rates
Dependable U.S.-style international health & travel insurance for almost every need.
Buy Smart
Tips to help you find the right international insurance for your exact situation and budget.
Guarantees
You enjoy 4 important consumer guarantees, rarely found together in writing elsewhere.
Value-Added
Get the most from your international health insurance, and more.
Medevac and Travel Insurance Supplements