Beacon International is a great international travel medical insurance for persons traveling outside their country of residence when their travel excludes the United States, this includes U.S. citizens and residents traveling outside the U.S.
You can purchase Beacon International for any duration from a minimum of 5 days to a maximum of 364 days. Coverage is extendable - if you extend the insurance you pay the deductible and applicable coinsurance only once during the entire 364-day period. For non-U.S. citizens traveling outside the U.S., it can be extended for a total of 728 days.
Enrolling into Beacon International is very easy as you can instantly do it online on this website. Once you complete your enrollment, you will immediately receive an email confirmation and you can download the fulfillment documents right away. To start enrolling, you will need to have the travel details such as the travel dates, name of the person(s)to be insured, their passport number(s), their birth date(s), and payment in the form a credit card or debit card ready.
Beacon International insurance is a Schengen visa compliant travel insurance plan. In other words, it meets the requirements of Schengen visa insurance. Immediately after the purchase, you can download the visa letter from MyAccount.
Unlike many other travel medical insurance plans available in the market that have the typical $50,000, $100,000, and other common policy maximums, Beacon International insurance has an option for $25,000 and higher policy maximums of $60,000, $75,000, $110,000, $200,000, $550,000, $1,100,000, and $2,000,000. Ages 70–79 have available policy maximums of $25,000 or $50,000 while the available policy maximum for ages 80+ is $12,000. The higher policy maximums mean more coverage is provided with respect to a similarly comparable plan. Available deductible choices range from $0 to $2,500.
You can visit any provider (doctor or hospital) of your choice as there is no PPO network outside the U.S. While the insurance company is willing to make direct payment arrangements with the provider, it is up to the provider whether to bill the insurance company directly as the healthcare systems and the requirements of various healthcare providers vary across the world.
Beacon International travel health insurance is a part of the Beacon Series travel insurance and is underwritten by Lloyd's, rated A "Excellent" by A.M. Best.
For initial purchase made on or after 08/23/2022, Beacon International insurance provides coverage for COVID-19 (Coronavirus) just like any other eligible medical condition that occurs after the effective date of the policy up to $100,000 maximum, or the policy maximum (whichever is lower).