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ITG Worldwide Home > Travel > U.S. Citizen Travel Plans
U.S. Citizen Travel Plans
Plan | Special Features |Optional Benefits | Plan Features | Company Profiles | Notes
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Carrier
Plan |
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| Special Features |
| Preexisting Condition Coverage |
No |
No |
No |
Full coverage if you have a primary health plan |
| Sudden & Unexpected Preexisting Condition Coverage |
$15,000 |
$20,000 maximum |
$15,000 maximum |
Full coverage if you have a primary health plan |
| Online Provider Search |
Yes |
No |
Yes |
Yes |
| Online Health & Safety Tools |
No |
No |
Yes |
Yes |
| Renewable |
Yes - up to 2 years |
Yes - Up to 3 years |
Yes |
N/A |
| Terrorism Coverage |
Yes, up to $50,000 |
Yes, limited to certain states |
Yes, up to $50,000 |
Included |
| Claim Precertification Required |
Yes |
Yes |
Yes |
No |
| Incidental Home Country Rider |
Included |
Included |
Included |
N/A |
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| Optional Benefits |
| Hazardous Sports Rider |
Yes |
Yes |
Yes |
Limited benefits included |
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| Plan Features |
| Assistance Services |
24/7 Multilingual Emergency Assistance |
24/7 Multilingual Emergency Assistance |
24/7 Multilingual Emergency Assistance |
24/7 Multilingual Emergency Assistance |
| Emergency Medical Evacuation |
Policy Maximum |
$300,000 |
$500,000 |
$500,000 |
| Medical Expenses |
Covered |
Covered |
Covered |
Covered |
| Outpatient Medical Expenses |
Covered |
Covered |
Covered |
Covered |
| Hospitalization |
Average Semi-private Room Rate |
Average Semi-private Room Rate |
Average Semi-private Room Rate |
Average Semi-private Room Rate |
| Surgery |
Covered |
Covered |
Covered |
Covered |
| AD&D |
$25,000 |
$25,000 |
$25,000 |
$50,000 |
| Repatriation of Remains |
$50,000 |
$300,000 |
Policy Maximum |
$25,000 |
| Lost Luggage |
$250 Limit |
$250 Limit |
$250 Limit |
N/A |
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| Company Profiles |
IMG |
Seven Corners |
MultiNational Underwriters |
HTH Worldwide |
| Ratings |
A A.M Best
A- Standard & Poor's |
Nationwide is rated A+ by AM Best and Lloyds is rated (for the restricted states) A- |
A A.M Best
A Standard & Poor's |
A- A.M Best |
| Location |
Indianapolis, IN |
Carmel, IN |
Indianapolis, IN |
Pittsburgh, PA |
| Insurance Carrier |
SIRIUS International Insurance Corporation |
Nationwide & Lloyd's of London (Depending upon state) |
Lloyd's London |
HM Life Insurance Company |
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Notes
The notes below apply to all plans listed in this comparison.
- This is only a summary. Consult brochure and/or policy for benefit details.
- All plans have limitations and restrictions.
- ITG Worldwide would be happy to provide you with a sample policy contract.
- Benefits for medical expenses are in accordance to the plans covered expenses.
- Travel insurance should be used as a supplement to a primary health insurance plan while traveling outside one's home country.
- Certain benefits and services, like emergency medical evacuation, must be handled by the carrier.
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