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Beacon International Insurance

Quotes & Purchase

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: .

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

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

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

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

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is an overview of the benefits included in this plan and is provided to you as an aid to help you familiarize yourself with the benefits. This information is a high-level overview of the given plans coverages. Please use this information as a guide only and do not make any decisions solely based on this information.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

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

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Beacon International
Comprehensive
After the deductible, plan pays 100% to policy maximum.

Medical - Outpatient

To policy maximum
Excluded
US-Urgent Care: Deductible waived, $35 copay. Co-insurance still applies. Outside US: No copay
To policy maximum Extra $350 deductible for illness or injury visit that does not result in hospitalization.
To policy maximum, 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
-

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

Medical - Other Treatment And Services

180 days
Same as any other eligible medical expense
Standard hospital bed and/or standard basic wheelchair
$100 (plan deductible waived)
Recreational: Included. Optional: Extreme Sports.
To policy maximum when illness or injury results in hospitalization as inpatient.
$1,500 maximum for Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$60 per visit, 1 visit per day, 15 visits maximum. Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
Acute onset only, for persons under 70: Medical up to $150,000 with policy maximum $550,000 or $1,100,000; medical up to $50,000 with policy maximums $60,000 to $200,000. Medical Evacuation up to $25,000.
-
Included, up to $100,000 or policy maximum; whichever is lower.

Dental

$500, minimum initial purchase of 90 days.
$1,000, minimum initial purchase of 180 days.

Travel

-
$10,000
Travel Delay of 12+ hours: $100/day, 2 days maximum. COVID-19 quarantine: $50/day, 10 days maximum; must purchase a minimum of 30 days of coverage initially and in each extension.
Primary
$100 per item, $500 maximum
$50,000
$100,000, maximum of 15 days
To policy maximum
$50,000
$5,000
-
$500

Life

Under 18: $6,000; Primary Insured: $30,000; Spouse: $20,000; Ages 70-74: $15,000; Ages 75+: $7,500; maximum of $250,000 per family.
Under 18: $30,000; Ages 18+: $50,000; maximum of $250,000 per family.

Other

Included
Incidental: 14 days, minimum initial purchase of 90 days. End of Trip: 15 days, minimum initial purchase of 180 days; 30 days, minimum initial purchase of 364 days.
$150 per day, maximum of 7 days. Not available in U.S.
-
$500 per day, 5 day maximum
$50,000 Eligible medical expenses only
Included

Plan Features

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
Political Evacuation: $100,000. Bedside Visit: $1,000 after 5 days hospitalization. Not available in U.S. Third Party Liability: $500. Emergency Pet Return Home: $500 after 36 hours of hospitalization. Rental Car Deductible Reimbursement: $500.
Email
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$12,000 Age 80+
$25,000 Up to 79
$50,000 70-79
$60,000 Up to 69
$75,000 Up to 69
$110,000 Up to 69
$200,000 Up to 69
$550,000 Up to 69
$1,100,000 Up to 69
$2,000,000 Up to 69
Azimuth Risk Solutions
Lloyd's
A "Excellent"

Get instant quotes for this plan and purchase today!

Quotes & Purchase
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • 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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