| Covid19 coverage |
| Treats Coronavirus as a new sickness & covered by the plan |
Treats Coronavirus as a new sickness & covered by the plan |
Treats Coronavirus as a new sickness & covered by the plan |
Treats Coronavirus as a new sickness & covered by the plan |
| Plan Type |
Minimum: 90 days
Maximum: 365 days |
Minimum: 30 days
Maximum: 365 days |
Minimum: 90 days
Maximum: 365 days |
Minimum: 30 days
Maximum: 365 days |
| Length of Coverage |
| Fixed Benefit Plan |
Comprehensive Plan |
Comprehensive Plan |
Fixed Benefit Plan |
| Plan maximum |
Age 0 to 69: $100,000; $150,000; $300,000
Age 70 to 99: $100,000 |
Age 0 to 69: $150,000; $250,000; $300,000
Age 70 to 99: $75,000 |
Age 0 to 69: $150,000; $250,000; $300,000
Age 70 to 99: $75,000 |
Age 0 to 69: 50,000; $100,000; $150,000
Age 0 to 99: $50,000, $100,000 |
| Medical Benefits |
| Hospital room and board |
Plan 100k: Charges up to $1,750 a day, to 30 days
Plan 150k: Charges up to $1,900 a day, to 30 days
Plan 300k: Charges up to $3,000 a day, to 30 days |
Not Covered |
Not Covered |
Plan 50k: Charges up to $1,300 a day maximum Up to 30 days
Plan 100k: Charges up to $1,750 a day maximum Up to 30 days
Plan 150k: Charges up to $1,900 a day maximum Up to 30 days |
| Intensive care unit |
Plan 100k: Charges up to $750 maximum additional a day, to 8 days
Plan 150k: Charges up to $850 maximum additional a day, to 8 days
Plan 300k: Charges up to $1150 maximum additional a day, to 8 days |
Not Covered |
Not Covered |
Plan 50k: Charges up to $525 maximum additional a day | Up to 8 Days
Plan 100k: Charges up to $750 maximum additional a day | Up to 8 Days
Plan 150k: Charges up to $850 maximum additional a day | Up to 8 Days |
| Surgeon (In-Patient/Out-Patient) |
Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $6,000 maximum
Plan 300k: Charges up to $8,000 maximum |
Not Covered |
Not Covered |
Plan 50k: Up to $3,000 maximum
Plan 100k: Up to $5,000 maximum
Plan 150k: Up to $6,000 maximum |
| Diagnostic X-Ray (Out-Patient) |
Plan 100k: Up to $650 maximum
Plan 150k: Up to $750 maximum
Plan 300k: Up to $1,150 maximum |
Not Covered |
Not Covered |
Plan 50k: Charges up to $400 maximum
Plan 100k: Charges up to $650 maximum
Plan 150k: Charges up to $750 maximum |
| CAT/PET/MRI Scan (Out-Patient) |
Plan 100k: Up to $650 additional
Plan 150k: Up to $1,000 additional
Plan 300k: Up to $1,400 additional |
Not Covered |
Not Covered |
Plan 50k: Up to $400 additional
Plan 100k: Up to $650 additional
Plan 150k: Up to $1,000 additional |
| Prescription Drugs and Medications |
Plan 100k: Up to $150 maximum
Plan 150k: Up to $200 maximum
Plan 300k: Up to $300 maximum |
Not Covered |
Not Covered |
Not Covered |
| Physical & Occupational Therapy |
Plan 100k: Up to $45 a visit max, 1 visit a day to 12 visits
Plan 150k: Up to $50 a visit max, 1 visit a day to 12 visits
Plan 300k: Charges up to $100 a visit maximum, 1 visit per day to 12 visits |
$50 per visit up to a maximum of $500 |
$50 per visit up to a maximum of $500 |
Plan 50k: Up to $35 a visit max, 1 Visit a day to 12 visits
Plan 100k: Up to $45 a visit max, 1 Visit a day to 12 visits
Plan 150k: Up to $50 a visit max, 1 Visit a day to 12 visits |
| Rehabilitative Braces or Appliances |
Plan 100k: Up to $1,100 maximum
Plan 150k: Up to $1,200 maximum
Plan 300k: Up to $1,500 maximum |
Not Covered |
Not Covered |
Plan 50k: Charges up to $1,200 maximum
Plan 100k: Charges up to $1,100 maximum
Plan 150k: Charges up to $1,200 maximum |
| Surgical Room & Supply Expenses (Out-Patient) |
Plan 100k: Up to $1,100 maximum
Plan 150k: Up to $1,200 maximum
Plan 300k: Up to $1,800 maximum |
Not Covered |
Not Covered |
Plan 50k: Charges up to $1,000 maximum
Plan 100k: Charges up to $1,100 maximum
Plan 150k: Charges up to $1,200 maximum |
| Assistant Surgeon (In-Patient/Out-Patient) |
Plan 100k: Up to $1,250 maximum
Plan 150k: Up to $1,500 maximum
Plan 300k: Up to $2,500 maximum |
Not Covered |
Not Covered |
Plan 50k: Charges up to $750 maximum
Plan 100k: Charges up to $1,250 maximum
Plan 150k: Charges up to $1,500 maximum |
| Doctors Non-Surgical Visit(In-Patient/Out-Patient) |
Plan 100k: Up to $100 maximum a visit, 1 visit a day, to 30 visits
Plan 150k: Up to $125 maximum a visit, 1 visit a day, to 30 visits
Plan 300k: Up to $175 maximum a visit, 1 visit a day, to 30 visits |
Not Covered |
Not Covered |
Plan 50k: Charges up to $60 a visit, 1 visit a day, to 30 visits
Plan 100k: Charges up to $100 a visit, 1 visit a day, to 30 visits
Plan 150k: Charges up to $125 a visit, 1 visit a day, to 30 visits |
| Consultant Doctor |
Plan 100k: $450 maximum
Plan 150k: $500 maximum
Plan 300k: $500 maximum |
Not Covered |
Not Covered |
Plan 50k: $400 maximum
Plan 100k: $450 maximum
Plan 150k: $500 maximum |
| Anesthetist (In-Patient/Out-Patient) |
Plan 100k: Charges up to $1,250 maximum
Plan 150k: Charges up to $1,500 maximum
Plan 300k: Charges up to $2,500 maximum |
Not Covered |
Not Covered |
Plan 50k: Up to $750 maximum
Plan 100k: Up to $1,250 maximum
Plan 150k: Up to $2,500 maximum |
| Private Duty Nurse |
Plan 100k: Charges up to $500 maximum
Plan 150k: Charges up to $550 maximum
Plan 300k: Charges up to $550 maximum |
Not Covered |
Not Covered |
Plan 50k: Up to $400 maximum
Plan 100k: Up to $500 maximum
Plan 150k: Up to $550 maximum |
| Pregnancy & Childbirth |
Plan 100k: Charges up to $5,000 maximum
Plan 150k: Charges up to $5,500 maximum
Plan 300k: Charges up to $5,500 maximum
(Conception must occur after Trip begins) |
Not Covered |
Not Covered |
Plan 50k: Up to $4,500 maximum
Plan 100k: Up to $5,000 maximum
Plan 150k: Up to $5,500 maximum |
| Emergency Services |
| Emergency local ambulance |
Plan 100k: Charges up to $450 maximum
Plan 150k: Charges up to $500 maximum
Plan 300k: Charges up to $1,000 maximum |
Not Covered |
Not Covered |
Plan 50k:Up to $400 maximum
Plan 100k:Up to $450 maximum
Plan 150k: Up to $500 maximum |
| Dental |
| Dental Treatment due to Alleviate pain |
Plan 100k: Charges up to $500 maximum. There are no benefits for dental services for immediate relief of pain.
Plan 150k: Charges up to $550 maximum.
Plan 300k: Charges up to $550 maximum. There are no benefits for dental services for immediate relief of pain. |
Not Covered |
Not Covered |
Plan 50k: Up to $450. There are no benefits for dental services for immediate relief of pain.
Plan 100k: Up to $500. There are no benefits for dental services for immediate relief of pain.
Plan 150k: Up to $550. There are no benefits for dental services for immediate relief of pain. |
| Pre-Existing Condition |
| Acute Onset of Pre-Existing Condition |
Under age 70: Policy maximum $100,000 - Covers up to $20,000/$40,000 maximum with deductible $1,000/$5,000 and Policy maximum $150,000 - Covers up to $30,000/$60,000 maximum with deductible $1,000/$5,000 Policy maximum $300,000 Covers up to $50,000/$100,000 with deductible $1,000/$5,000 for age 0 to 69 years.
Age 70 to 99: Policy maximum $100,000 - Covers up to $15,000/$25,000 pre-existing maximum with deductible $1,000/$5,000. |
Not Covered |
Under age 70: Policy maximum $150,000 - Covers up to $25,000 maximum with deductible $1,500.
Age 70 to 99: Policy maximum $75,000 - Covers up to $20,000 maximum with deductible $1,500. |
Not Covered |
| Life |
| Common carrier accidental death & dismemberment |
Plan 100k: $25,000 maximum
Plan 150k: $25,000 maximum
Plan 300k: $25,000 maximum |
Up to $25,000 maximum |
Up to $25,000 maximum |
Plan 50k: $25,000 Principal Sum
Plan 100k: $25,000 Principal Sum
Plan 150k: $25,000 Principal Sum |
| Evacuation |
| Emergency medical evacuation |
Plan 100k: Up to $20,000 maximum
Plan 150k: Up to $25,000 maximum
Plan 300k: $45,000 maximum |
Up to $25,000 maximum |
Up to $25,000 maximum |
Plan 50k: $15,000 maximum
Plan 100k: $20,000 maximum
Plan 150k: $25,000 maximum |
| Repatriation of Remains |
Plan 100k: Up to $15,000 maximum
Plan 150k: Up to $20,000 maximum
Plan 300k: $30,000 maximum |
Up to $20,000 maximum |
Up to $20,000 maximum |
Plan 50k: $10,000 maximum
Plan 100k: $15,000 maximum
Plan 150k: $20,000 maximum |
| Underwriter |
Premier Plan Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies. |
Traveler USA Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies |
Elite Plan Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies. |
Standard Plan Insurance Underwriter
Underwritten by ACE American Insurance Company, a member of the Chubb Group of Companies. |
| Rating |
Premier Plan Insurance Rating
AM Best Rating: A++ |
Traveler USA Insurance Rating
AM Best Rating: A++ |
Elite Plan Insurance Rating
AM Best Rating: A++ |
Standard Plan Insurance Rating
AM Best Rating: A++ |
| Brochure & Details links |
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