Please note that the purpose of this comparison sheet is only to provide a brief general over view of the  various plans.  Benefits indicated are primarily for U.S. citizens traveling outside of their Home Country and may vary slightly for Non-US citizens.  Detailed information on-line may be viewed when you click on the individual Company shown below.                                                                                                                                         Back to  Home Page
Benefits

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Patriot Series

 HTH Worldwide

TravelGap Vacationer

  MultiNational        Underwriters       Atlas Series Specialty RiskInternational 
     Liaison Series   		 Global Unerwriters Agency
     Diplomat Series
Maximum Benefits**

Choose from  $50,000, $100,000, $500,000, $1,000,000 & $2,000,000

 (See Details on-line)

 Choose from $75,000, 150,000, $500,000, $1,000,000


(See Details on-line)

 Choose from $50,000, $100,000, $250,000, $1,000,000

 (See Details on-line)		 Choose from $50,000, $100,000, $500,000, $1,000,000

  (See Details on-line)		 Choose from $50,000, $100,000, $250,000  $500,000 $1,000,000


 (See Details on-line)
Deductibles Your choice of US $100, $250, $500, $1,000 or $2,500 $50, $100, $250, $500 Your choice of US 
$100, $250, $500,
$1,000 or $2,500		 Your choice of US 
$0 $100, $250, $500,
$1,000 or $2,500		 Your choice of US 
$100  $250, $500,
$1,000 or $2,500
Coinsurance (See Details on-line) (See Details on-line)     (See Details on-line)    (See Details on-line)   (See Details on-line)
Hospital Room and Board


Average semi-private room rate  
 
 (See Details on-line)

 Average semi-private room rate

(See Details on-line)

 Average Semi-private
room rate
  
       (See Details on-line).		 UCR*  to the Selected
Policy Maximum
    (See Details on-line)		 Average semi-private room rate  

 (See Details on-line).
Intensive Care To Selected Policy Maximum      

(See Details on-line)		 (To Selected Policy Maximum

(See Details on-line)

 Three times Average Semi-
private room rate.
      
    (See Details on-line)		 UCR*  to the Selected
Policy Maximum
    (See Details on-line)		 Two times Average Semi-
private room rate.
      
    (See Details on-line)
Medical Expenses

To Selected Policy Maximum    
  
 (See Details on-line)

 To Selected Policy Maximum

(See Details on-line)

 To Selected Policy Maximum    
  
     (See Details on-line)		 To Selected Policy Maximum  
    
    (See Details on-line)		 To Policy Maximum  
    
    (See Details on-line)
Outpatient Medical

To Selected Policy Maximum 

 (See Details on-line)

 To Selected Policy Maximum

(See Details on-line)

 To Selected  Policy Maximum  

   (See Details on-line)		 To SelectedPolicy Maximum 

    (See Details on-line)		 UCR * up to selected policy 
maximum.
     (See Details on-line)
Local Ambulance

To Selected Policy  Maximum   
 (See Details on-line)

 To $10,000

(See Details on-line)

 $3,000 limit per certificate
period 
     (See Details on-line)		 To US $2,500 Maximum

   (See Details on-line)		 To Selected Policy  Maximum   
 (See Details on-line)
Emergency Dental To Policy Maximum   
 (See Details on-line)		 Covered for emergencies and relief of pain

(See Details on-line)

 To Policy Maximum  
 
  (See Details on-line)		 To $500 Maximum (for accidents)
    (See Details on-line)		 $100 per tooth
Accidental Death & Dismemberment US $25,000 principal 
 (See Details)		 US $25,000 principal sum 

(See Details on-line)

US $25,000 principal su      (See Details on-line)

US $25,000 principal sum (See Details on-line)

 US $25,000 principal sum (See Details on-line)
Common Carrier Accidental Death

To US $50,000
   (See Details on-line)

 Covered under the AD&D benefit up to $25,000 To US $50,000
       (See Details on-line)
Home Country Coverage (See Details on-line) Covered in connection to an illness that manifests itself overseas     (See Details on-line)      (See Details on-line)   (See Details on-line)
Sports & Activities Rider (Optional)

To Policy Maximum for  basic sports    
  (See Details on-line)

 Automatically covers down hill (Alpine) skiing and scuba diving. No Rider required. $5,000 Limit per 
Certificate Period
       (See Details on-line)		 Available

    (See Details on-line)		 Available

    (See Details on-line)
Trip Interruption To US$5,000
 (See Details)		 To US$5,000
        (See Details)		 To US$5,000
   (See Details on-line)   		 To US $5,000 
  (See Details on-line)
Emergency Evacuation To Policy Maximum

 (See Details on-line)		 Maximum per person $500,000.  No pre-existing condition exclusion on the benefit. No deductible required

(See Details on-line)

  To Policy Maximum

      (See Details on-line)		 Evacuation/Repatriation
Maximum $100,000
    (See Details on-line)		 Maximum per person $100,000
    (See Details on-line)
Emergency Reunion To US $15,000
    (See Details on-line)		 Included - economy airfare $10,000 Limit Per 
Cerificate Period
    (See Details on-line)		 To US $10,000
    (See Details on-line)		 To US $10,000
     (See Details on-line)
Repatriation of Remains To US $25,000 

(See Details on-line)		 To $25,000

(See Details on-line)

 Overall Maximum Limit

     (See Details on-line)		 Evacuation/Repatriation
Maximum $100,000
     (See Details on-line)  		 To US $20,000 

(See Details on-line)
Returning Minor Children

To US $5,000    
   (See Details on-line)

 Included - economy airfare To US $5,000
      (See Details on-line) 		 Included in Emergency Reunion
Lost Checked Luggage

To US $50 per item  
   
  (See Details on-line)

    To US $250 Limit per 
Certificate Period  
   (See Details on-line)         		 To US $250 Limit

 (See Details on-line)        		 Up to $250 Benefit
Exclusions

  (See Details on-line)

 (See Details on-line)

    (See Details on-line)

     (See Details on-line) (See Details on-line)
Pre-Exusting    (See Details on-line) (See Details on-line) 180 day exclusion but exclusion is waived for Medical Evacuation, Repatriation of Remains and Bedside Visit Benefits.    (See Details on-line)             (See Details on-line)  (See Details on-line)
The Insurer Sirius International
Rated A+ (Superior) by A.M. Best		 UNICARE Life & Health Ins. Co. Rated A- (Excellent) by AM Best and A+ (Stable) by Standard and Poor's. An "Admitted" U.S. Insurer carrier, owned by Wellpoint. Wellpoint covers tens of millions of members annually. This plan meets all the requirements for short term health insurance plan in the states in which it is sold.               "Click" Here Combined Specialty Insurance Company Rated A "Excellent" by A.M. Best The Insurance Co. of the State of Penn., a member of AIG (American International Group)
Rated A++ (Superior) by A.M. Best
Plan Administrator

International Medical Group 
  (See Details on-line)

 HTH Worldwide

MultiNational Underwriters
 
  (See Details on-line)

 Specialty Risk International
    (See Details on-line)		 Global Underwriters

 (See Details on-line)
Purchase Confirmation by E-Mail

Yes

 Yes Yes

Yes

Yes
Policy Delivery Regular Mail or Express or Online Fulfillment Instant Online Confirmation PLUS Hard Copy mailed Regular Mail or Express Regular Mail or Express or Download Policy online fulfilment PLUS hard copy mailed.
Additional Features-Health & Safety Resources
Security information is made available to members in 200 cities worldwide. Breaking health and security risks are upddated daily for members. Over 160 Countries worldwide have HTH contracted providers. Doctor and hospital profile information is available on all contracted providers. A member is free to choose contracted providers or any other provider. There is no financial penalty for choosing a non contracted provider unless the provider charges more than a reasonable charge. HTH Providers are Western trained and fluent in English. HTH Providers must accept Usual & Customary fees. Hospital and medical provider information including medical education, internship and residency available on-line.

 

 
* Usual and Customary Rates
** Maximum benefits available  may vary based upon age and whether US or Non-US Citizen traveling outside of their Home Country.

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