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Visitor Insurance Options

Atlas America International Major Medical

Affordable medical insurance for foreign nationals visiting the US. You have the freedom to choose any doctor, coverage from 5 to 364 days, and no medical questions to answer.

Atlas America International Major Medical Overview

Eligibility*

Only non-US citizens who are at least 14 days of age are eligible for coverage inside of the US, under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $100,000 Overall Maximum or less. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

SPECIAL NOTE: NY, MD, WA Residents and Anyone Located in Canada or Australia*

If you are a resident of New York or a foreign national visiting New York, Maryland or Washington, Atlas America is not available for purchase. Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

If you are physically located within Canada or Australia at the time you wish to purchase Atlas America, please contact us for important information at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*
  • Guaranteed issue!—no health questions!
  • Up to $2,000,000 policy maximum (benefit reduced after age 69)
  • Immediate policy issue
  • Easy-to-quote daily rates
  • Up to $100,000 for acute onset of pre-existing conditions (for US citizens or foreign nationals up to age 69)
  • Emergency medical evacuation, terrorism, AD&D and repatriation coverage automatically included
  • For US citizens living or traveling abroad (5 days to 1,092 days)
  • For foreign nationals traveling within the US (5 days to 364 days)
  • 100% U&C coverage outside the US
  • Zero deductible option
  • Optional Buy- Up for Crisis Response – $100k total benefit
  • Optional Buy- Up for Higher AD&D –  $100k total benefit
  • Optional Buy- Up for Personal Liability – $100k total benefit
  • Optional Buy- Up for addition of a Natural Disaster Evacuation benefit to the Crisis Management buy-up: Kidnap and Ransom ($90k) + Natural Disaster Evacuation ($10k sublimit)
  • No Pre-certification requirements or penalties
State and Country Restrictions*

Atlas America is available in all states in the US, except New York, Maryland and Washington. The plan does not cover travel to or from the following countries: Iran, N. Korea or Sudan. Australian citizens residing in or traveling to Australia cannot purchase this plan. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Atlas America is underwritten by Syndicate 4141 at Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

The Beacon Travel Medical Plan

The Beacon offers the most comprehensive schedule of benefits available in today's travel medical insurance market and all at an affordable price. The Beacon policy maximums are the highest offered among all of our various travel medical products. Don’t leave home without it!

The Beacon Travel Medical Plan Overview

Eligibility*

Anyone more than 14 days old who travels outside of their home country should be protected with the Beacon Series. If you are a US citizen, your home country is always the US. If you are a non-US citizen, your home country is the location of your principal residence and where you receive mail at the time of your
application for insurance.

Highlights and Benefits for Beacon Travel Medical Plan

  • Up to $2,000,000 policy maximum (for travel outside of the US)
  • Up to $1,100,000 policy maximum (for travel inside of the US)
  • $0 deductible option
  • In and out of hospital benefits
  • Emergency Medical Evacuation
  • Accidental Death and Dismemberment
  • Accidental Dental coverage
  • Trip Interruption
  • Third Party Liability
  • Trip Delay/Missed Connection
  • Optional Extreme Sports Rider
  • Terrorism coverage
  • This plan can be renewed up to 730 days
  • Plus more!

State and Country Restrictions*

The Beacon is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

The Beacon is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Inbound Choice

If you have a foreign national coming to the US for business, pleasure, to study or to visit, but need the lowest priced medical plan, then our Inbound Choice should be the product of "choice". For example, adults ages 19-29 can purchase health insurance for as little as $0.86 per day. A price anyone can afford, yet no one can afford to be without.

Inbound Choice Overview

Inbound Choice Details and Materials*

Eligibility
Non-US citizens traveling to the US. The plan must become effective within 24 months of arrival in the US.

Highlights and Benefits

  • Guaranteed issue up to age 69–and no health questions!
  • 24-Hour policy issue
  • Very affordable rates with a choice of 3 deductibles
  • Up to $130,000 maximum per injury/sickness benefit
  • Total freedom of choice plan–choose any hospital or doctor
  • Emergency medical evacuation, AD&D and repatriation benefits
  • Coverage up to two 364-day policy periods
  • underwritted by Lloyd’s, London, the world’s oldest and largest insurance market, rated A (Excellent) by A.M. Best Company

State and Country Restrictions
Inbound Choice is available in all US states. States are subject to change. Please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
Inbound Choice is underwritten by Lloyd’s, London, the world’s oldest and largest insurance market, rated A (Excellent) by A.M. Best Company.

*Questions about what you see here? Please give us a call at (800) 647-4589 or 01 (480) 821-9052.

Inbound® Immigrant Medical Plan

Our most affordable medical plan for foreign nationals visiting, residing in or immigrating to the US who are 60 years old and older. This plan can be renewed up to 5 years.

Inbound® Immigrant Medical Plan Overview

Eligibility
Non-US citizens traveling to or immigrating to the US, age 14 days or older are eligible under Inbound Immigrant. The plan must become effective within 24 months of arrival in the US.

If you are a non-US citizen and have been in the US longer than 24 months, please contact us at (800) 647-4589 or 01 (480) 821-9052 for an alternate plan.

Highlights and Benefits

  • Guaranteed issue policy—no medical questions and no age limits
  • In and out of hospital benefits
  • Up to $130,000 maximum per injury/sickness (benefit reduced after age 69)
  • Choice of deductibles
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Accidental death and dismemberment (AD&D)
  • Repatriation of mortal remains
  • This plan can be renewed up to a maximum of five, 364-day policy periods (1,820 days)

Please Note
This plan is a “limited benefit” plan with internal benefit maximums. It is not a major medical plan.

State and Country Restrictions
Inbound Immigrant is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter
Inbound Immigrant is underwritten by Certain Underwriters at Lloyd’s of London and is rated A (Excellent) by A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Meridian International Major Medical

Affordable, annually renewable coverage for immigrants and US citizens living overseas. Our lowest priced long term plan.

Meridian International Major Medical Overview

Eligibility*

US and non-US citizens between 14 days and 74 years old and who reside outside of the US, as well as non-US citizens who cannot purchase health insurance within the US due to residency or citizenship status are eligible under Meridian.

Special Note: 2 Plan Options*

Meridian offers 2 levels of coverage: Essential and Enhanced.

Highlights and Benefits for Meridian Essential*

  • Up to $2,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Limited pre-existing condition coverage after 24 months of continuous coverage
  • Optional maternity rider with no waiting period
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

Highlights and Benefits: Meridian Enhanced*

  • Up to $5,000,000 policy maximum
  • In and out of hospital benefits
  • Discounted rates for dependent children
  • Limited pre-existing condition coverage after 12 months of continuous coverage
  • Maternity coverage after 12 months of continuous coverage
  • Emergency medical evacuation
  • Emergency reunion
  • Repatriation of mortal remains
  • Optional sports rider
  • Optional dental rider
  • This plan can be renewed up to age 74

State and Country Restrictions*

Meridian is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

Meridian is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

If you can’t find what you’re looking for or have questions, please call (800) 647-4589 or 01 (480) 821-9052; or ask a Client Advisor and we’ll be in touch soon.