Policy Maximum | To age 69: $50,000, $100,000, $250,000 Age 70-79: $50,000, $100,000 Age 80+: Unavailable | To age 69: $50,000, $100,000, $500,000, $1,000,000 Age 70-79: $50,000 Age 80+: $10,000 |
Acute Onset of Pre-existing Conditions | Through age 69: To policy maximum Age 70-79: $30,000 Cardiac and Stroke are separate from Acute Onset Through age 69: $36,000 Age 70-79: No coverage | Under age 70: up to overall policy maximum limit Age 70+: No coverage |
Deductible | $0 not available for any age. Age 70-79: If policy maxmimum is $100,000, then deductible options are $1,000, $2,500, or $5,000 Through age 79: $100, $250, $500, $1,000, $2,500 and $5,000
| $0 available $0, $100, $250, $500, $1,000, $2,500 |
Coinsurance | Outside PPO: After deductible, 80% up to $5,000, then 100% to policy maximum | Outside PPO: After deductible, 80% up to $5,000, then 100% to policy maximum |
ER visit copay that does not end in hospital admittance | $250 | $250 |
Prescription Drug Coverage | 90 day supply per prescription | 90 day supply per prescription |
Emergency Eye Exam for a Covered Loss | $200, $50 deductible per occurrence | $150, $50 deductible per occurence |
Local Ambulance | To policy maximum when illness results in hospitalization as inpatient or for injury. | To policy maximum when illness results in hospitalization as inpatient or for injury. |
Maternity | None | None |
Claims | Within 180 days of service | Within 180 days of service |
Dental - Acute, Unexpected Pain | $250 - $50 Deductible per occurrence | $300 |
Pre-certification penalty | 50% | |
Return of Minor child(ren) | $100,000 | $100,000 |
Return of Mortal Remains | $25,000 | To policy maximum |
Emergency Medical Evacuation | $1,000,000 maximum limit, includes pre-existing conditions | $1,000,000 $25,000 for Acute Onset of Pre-existing Condition |
Loss of Passport or Travel Documents | $200 | None |
Border Entry Protection | $550 | None |
Missed International Connection | Up to $400 per insured person International transit only in route to US and outside Country of Residence Initial commercial carrier scheduled departure to US: delay of 3 hours or longer Scheduled departure of the Commercial Carrier Connection: 12 hours after scheduled originating flight Adverse weather, overbooking, or mechanical breakdown of Commercial Carrier | None |
Travel Delay of 12+ hours and unplanned overnight stay | $100 "Overnight" not included in specification. Only covered for either a car accident substantiated by police report, or a lost or stolen passport substantiated by police report. | None |
Accidental Death and Dismemberment | $25,000 per adult (death or loss of two limbs, death must be within 90 days of accident); $12,500 (loss of 1 limb) $5,000 per child (death or loss of two limbs, death must be within 90 days of accident); $2,500 (loss of 1 limb) $250,000 maximum per family | $50,000 (death or loss of two limbs, death must be within 90 days of accident); $25,000 (loss of 1 limb) |
Common Carrier AD&D | $5,000 per child, $50,000 per adult, $250,000 maximum per family | $25,000 per child, $100,000 per adult, $250,000 maximum per family |
Cruise Coverage | Depart and return to US port of call Traveling to Canada, Mexico, Central America, Caribbean Islands, South America | Included |
Home Country Coverage | None | Incidental: 14 days after 30 days continuous coverage |
Hospital Indemnity | None | $250 per night, maximum of 10 nights. Not available in U.S. |
Identity Theft Coverage | $500 | $500 |
Terrorism | To policy maximum | $50000 |
Theme Park Activities | Included | Included |
Legal Fees | $250 maximum During the period of coverage only. Cannot be related to criminal activity and must be found guilty. | None |
Personal Liability | $50,000 maximum Secondary. For third person and damage to third person's property. No coverage to a related third party or damage to related third person's property. | $25,000 maximum Secondary. $100 deductible per insury to third person and damage to third person's property. No coverage to a related third party or damage to related third person's property. |
Bedside Visit | None | $1500 |
Felonious Assault | $10,000 maximum Must be substantiated by local law enforcement. Cannot be a a motor vehicle moving violation. Payable if the insured suffers one or more losses payable under AD&D. Only one benefit is payable for all losses. | None |
Crisis Response | $10,000 maximum Must be substantiated by local law enforcement. Cannot be a a motor vehicle moving violation. Payable if the insured suffers one or more losses payable under AD&D. Only one benefit is payable for all losses. | None |
Pet Return | None | $1,000 Dog or cat only. |
Cancellation Fee | After effective date, pro-rated refund if no claims. No cancellation fee. Can't cancel individually in a policy. | After effective date, pro-rated refund minus $50 if no claims. Can't cancel individually in a policy. |
Policy Duration | 5 days-12 months | 5 days-12 months |
Extendable | 24 months | 24 months |
Claim Administrator | IMG | IMG |
Underwriter | Sirius International | Sirius International |
Primary Geographic Restrictions | Mailing or billing address can not be in Maryland Citizenship country restrictions: Botswana, Gambia, Ghana, Niger, Nigeria, Sierra Leone Home Country Restrctions, Unavailable: American Samoa, Guam, Nortern Mariana, Islands, Puerto Rico, United States Minor Outlying Islands, Virgin Islands (U.S.) | Mailing or billing address can not be in Maryland Citizenship country restrictions: Botswana, Gambia, Ghana, Niger, Nigeria, Sierra Leone Home Country Restrctions, Unavailable: American Samoa, Guam, Nortern Mariana, Islands, Puerto Rico, United States Minor Outlying Islands, Virgin Islands (U.S.) Paper Application Required: Botswana, Cuba Gambia, Ghana, Iran, Niger, Nigeria, North Korea, Sierra Leone, Syria, Venezuela |
In Market Since | Dec 2017 | May 2015 |
Availability | Available only through one insurance broker | Widely through many insurance brokers |
Product Stability and Ongoing Availability | Not Sure. Since the launch around less than 2.5 years ago, there have been 3 underwriters (Lloyds, Crum & Foster, and now Sirius International) and 2 plan administrators (Seven Corners, and now IMG) have changed. | Very stable. The same underwriter and claims administrator since inception. |