Trip InsuranceInsures the cost of the trip |
Travel Medical PlansInsures traveller's medical expenses |
Global PlansLong-term exclusive coverage |
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Definition Trip Insurance is used to protect your trip. This includes trip cancellation and trip interruption insurance. Trip cancellation insurance covers the pre-paid non-refundable expenses in case the trip gets cancelled. The trip interruption insurance covers once the trip has begun and is interrupted due to some emergency. |
Definition Travel Insurance also known as travel medical insurance, visitor insurance covers the medical expenses of the insured for any unexpected sickness and injury during travel and while outside your home country. |
Definition Global Medical insurance is health insurance that provides coverage for US citizens living abroad or foreign nationals throughout the world. This is comprehensive health insurance coverage including preventive care and coverage for pre-existing conditions. |
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Eligibility Recommended for people traveling abroad on expensive vacations where risk is involved like traveling with kids, seniors, traveling in unpredictable natural disaster areas… |
Eligibility Suitable for people traveling abroad where health care is expensive and not easily accessible and chances of getting exposed to health issues are higher. |
Eligibility Suitable for people and families staying overseas for long term and for those who might frequently travel throughout the world. |
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Covered benefits This insurance covers all pre-paid expenses for trip cancellation, trip interruption, trip delay, baggage loss, airline expenses, rental car coverage, hotel bookings, cruise bookings and any other trip related costs. This will also cover medical benefits like dental expense and other expenses that a travel medical insurance covers. |
Covered benefits These plans provides coverage for both US and Non US citizens medical benefits such as dental expenses, pre-existing conditions coverage, emergency medical evacuation, repatriation benefits, medical expenses for any injury and unexpected sickness outside their home country. |
Covered benefits Global medical insurance provides worldwide coverage for both Non US citizens and US expats unlike regular travel medical insurance. They include coverage for preventive care, routine dental and medical check-up, prescriptions and medications, maternity (covered after a year). |
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Limitations Trip insurance does not provide any coverage for routine and preventive care. Pregnancy and maternity related benefits are not covered. Mental health and drug abuse are not covered. Routine care for pre-existing conditions is not available. |
Limitations Routine care for pre-existing conditions is not covered. Pregnancy and Maternity benefits are not covered. Preventive Care services are not available. People above age 70 get limited coverage for pre-existing conditions. |
Limitations Coverage for US and Non US citizens is not available in their home country (unless below the threshold limit of days within home country allowed by insurance company). Waiting period may be applicable for pregnancy and maternity coverage. These plans are not guaranteed approval as they go through underwriting review. |
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Cost The cost of a trip protection insurance policy will depend on the money you have invested on your vacation and any additional coverage you may need |
Cost The cost depends on the type of travel insurance you buy, some plans are limited while others are comprehensive. You need to understand the differences between fixed and comprehensive plans before you buy it. |
Cost More expensive but is comprehensive as they offer long term coverage and includes coverage for maternity, mental, dental, vision and preventive care services. Global plans also offer fixed or comprehensive coverage |
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Popular Plans Travel Lite | Travel SE | Travel LX | Round Trip | Round Trip Elite | Round Trip Economy | Round Trip Choice | Travel Basic | Travel Max | Travel Select |
Popular Plans Visitors Care | Visitor Secure | Inbound USA | Inbound Guest | Patriot America Plus | Patriot International | Patriot Platinum | Atlas America | Atlas International | Liaison Continent | Liaison Majestic | Liaison International | Patriot Platinum |
Popular Plans Global Medical Insurance | Reside Worldwide | Maestro Latin American and Caribbean |
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