A (excellent) by AM Best and A- by Standard & Poors
International Medical Group
Applicant can be of any nationality
Travelers aged between 14 days and 74 years are eligible
Travelers with US citizenship must be residing abroad or must leave US on the plan start date to live outside USA for at least 6 months in the next 12 months
Non US Citizens can apply for Worldwide coverage
Unique Features
Family deductible is 3 times the individual deductible
No Coinsurance for treatment outside US and Canada
In US and Canada 50% deductible is waived along with no coinsurance if treated in a network hospital
$1 million coverage for transplants
Maternity is covered up to $50,000 at an additional price
Vision Coverage is offered at an additional price
Non-Emergency Dental is covered at an additional price
$50,000 coverage for pre-existing conditions
Advantages
Covers emergency dental due sudden pain up to $100
Coverage for first 2 children up to 19 years when both the parents are covered
Covers Emergency dental due to accident up to plan maximum
Optional coverage for adventure sports at an additional price
Disadvantages
12 months waiting period for mental and nervous coverage
Coinsurance of 80% for first $5000 after deductible is payable by plan for treated in a non-network hospital. Then plan pays 100% up to plan maximum
US Citizens must reside outside US for at least 6 months
24 months waiting period for pre-existing conditions coverage