Compare Group Travel Insurance for Travel Excluding USA

Shyue-Jyh Yau

Comparing 3 Plans

Patriot International Lite Group

Purchase

Patriot International Platinum Group

Purchase

Atlas International Group

Purchase

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Following is the high level comparison of various international travel group health insurance plans. Please use this comparison as guide only and do not make any decisions solely based on this comparison. If you have any ambiguity, doubt or questions, please refer to the individual policy details for complete details as it is not possible to accurately represent all the details in concise comparison such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

Routine physicals and exams (wellness, vision, eyeglasses, dental, etc.) are not covered in any of the plans.

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Shyue-Jyh Yau

Comparing 3 Plans

Patriot International Lite Group

Purchase

Patriot International Platinum Group

Purchase

Atlas International Group

Purchase

General

Patriot International Lite Group
Comprehensive
After deductible, plan pays 100% to policy maximum.
Patriot International Platinum Group
Comprehensive
After deductible, pays 100% to policy maximum.
Atlas International Group
Comprehensive
After deductible, plan pays 100% to policy maximum.

Medical - Outpatient

To policy maximum
Urgent Care: Deductible waived, $25 copay; unless $0 deductible. Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
To policy maximum
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
Urgent Care: Deductible waived, $25 copay; unless $0 deductible. Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
To policy maximum
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum
To policy maximum
Deductible waived, $15 copay; unless $0 deductible.
To policy maximum In US: Extra $200 copay for illness visit that does not result in hospital admission. Outside US: No copay.
To policy maximum, 60 day supply per prescription.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-
To policy maximum

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum

Medical - Other Treatement And Services

3 months
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum Must be ordered in advance by physician.
Yes
Acute onset only, for persons under 70: US Citizens: Medical up to policy maximum for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens Ages 69 and younger up to policy maximum or $1,000,000 (lower amount). Medical evacuation up to $25,000.
-
Included
6 months
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices.
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional
To policy maximum for illness resulting in a hospital admission or for injury.
-
-
To policy maximum Must be ordered in advance by physician.
Yes
Acute Onset only, for persons under 70. US Citizens: Maximum of $1,000,000 for up to age 64 with Primary Health Plan; $20,000 without. Ages 65-69: $2,500 maximum. Non-US Citizens Ages 69 and younger up to $1,000,000. Medical evacuation up to $25,000.
-
Included
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to the purchase prices.
$50 deductible per incident, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$50 maximum per day. Must be ordered in advance by physician.
Yes
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
-
Included

Dental

$300
To policy maximum
$300
To policy maximum
$300 - Not subject to deductible
To policy maximum

Travel

-
$10,000
-
$50 per item $500 maximum
$100,000
$100,000, maximum of 15 days.
$1,000,000
To policy maximum
$5,000
-
-
-
$10,000
-
$50 per item $500 maximum
$100,000
$100,000, maximum of 15 days
To policy maximum
To policy maximum
$5,000
-
-
-
$10,000
12+ hours: $100/day; 2 days maximum
Primary
$50 per article, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$500

Life

$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
Under 18: $5,000, Ages 18-69: $25,000, Ages 70-74 $12,500; Ages 75+: $6,250; maximum of $250,000 per family or group.
Under 18: $10,000, Ages 18-69: $50,000, Ages 70-74 $25,000; Ages 75+: $12,500; maximum of $250,000 per family or group.

Other

Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: 14 days after 30 days continuous coverage.
$250 per night, maximum of 10 nights
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: Per 3-month period US Residents get 15 days and Non-US Residents get 30 days.
$100 per day
-
$250 per day, 5 day maximum for accommodations.
$50,000 Eligible medical expenses only
Included

Plan Features

Before effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $25,000. Bedside Visit $1,500. Political Evacuation and Repatriation: $100,000. Natural Disaster Evacuation: $25,000. Pet Return: $1,000.
Email
Annual
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
Lifetime Maximum
$10,000 80-110
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 64
$1,000,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
Before effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 3 years maximum
$0
$0
Personal Liability: $25,000. Bedside Visit: $1,500. Political Evacuation and Repatriation: $100,000. Natural Disaster Evacuation: $25,000. Pet Return: $1,000.
Email
Annual
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
$5,000 Up to 110
$10,000 Up to 110
$25,000 Up to 110
Lifetime Maximum
$20,000 80-110
$100,000 70-79
$2,000,000 Up to 69
$5,000,000 Up to 64
$8,000,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
-
Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Personal Liability: $25,000 Crisis Response: $10,000 Bedside Visit: $1,500 Pet Return: $1,000 Political Evacuation: $100,000
Email
Postal Mail
Courier
Per Policy Period
$0 Up to 99
$100 Up to 99
$250 Up to 99
$500 Up to 99
$1,000 Up to 99
$2,500 Up to 99
$5,000 Up to 99
Lifetime Maximum
$10,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
WorldTrips
Lloyd's
A "Excellent"
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

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