Compare Group Travel Insurance for USA

Comparing 3 Plans

Atlas America Group

Purchase

ExchangeGuard® Choice Group

Purchase

ExchangeGuard® Essential Group

Purchase

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Following is the high level comparison of various international travel group health insurance plans. Please use this comparison as guide only and do not make any decisions solely based on this comparison. If you have any ambiguity, doubt or questions, please refer to the individual policy details for complete details as it is not possible to accurately represent all the details in concise comparison such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.

All the amounts are in U.S. dollars.

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

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Comparing 3 Plans

Atlas America Group

Purchase

ExchangeGuard® Choice Group

Purchase

ExchangeGuard® Essential Group

Purchase

General

Atlas America Group
Comprehensive
After deductible, plan pays 100% to policy maximum.
ExchangeGuard Choice Group
Comprehensive
US - Within PPO/Outside US: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum. Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.
ExchangeGuard Essential Group
Comprehensive
US - Within PPO/Outside US: After deductible, pays 100% to policy maximum; or After deductible, pays 80% to policy maximum. Otherwise: After deductible, plan pays Usual, Reasonable and Customary to policy maximum.

Medical - Outpatient

To policy maximum
Deductible waived, $15 copay; unless $0 deductible.
To policy maximum In US: Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 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
-
To policy maximum
To policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies. Outside US: No copay.
To policy maximum In US: Extra $250 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 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
-
To policy maximum
To policy maximum
US-Urgent Care/Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies. Outside US: No copay.
To policy maximum In US: Extra $250 copay for illness visit that does not result in hospital admission.
To policy maximum, 60 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
-
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, 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, 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

Medical - Other Treatement And Services

90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices.
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum when illness or injury results in hospitalization as inpatient.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$50 maximum per day
Yes
Acute onset only, for persons under 80: Medical up to policy maximum. Medical Evacuation up to $25,000.
Included
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum, if covered injury/illness results in hospitalization admission.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$500 maximum
Yes
After 6 month waiting period, $500 per certificate period.
Included
90 days
Same as any other eligible medical expense
Standard basic hospital bed and/or standard wheelchair rental up to purchase prices
$50 per incident copay, $150 maximum (plan deductible waived)
Recreational: Included
To policy maximum, if covered injury/illness results in hospitalization admission.
Complications of pregnancy only, during first 26 weeks of pregnancy.
-
$500 maximum
Yes
After 12 month waiting period, $500 per certificate period.
Included

Dental

$300 - Not subject to deductible
$300 - Not subject to deductible
$300
$300
$300
$300

Travel

-
$10,000
12+ hours: $100/day; 2 days maximum
Primary
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
$500
-
$10,000
12+ hours: $100/day; 2 days maximum.
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
-
-
$10,000
12+ hours: $100/day; 2 days maximum.
$50 per item, $1,000 maximum
$50,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
$100
-

Life

Under 18: $5,000, Ages 18-69: $25,000, Ages 70-74: $12,500, Ages 75+: $6,250; Maximum $250,000 per family.
Under 18: $10,000, Ages 18-69: $50,000, Ages 70-74: $25,000, Ages 75+: $12,500; maximum $250,000 per family.
Under 18: $5,000, Ages 18-64: $25,000; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-64: $50,000; maximum $250,000 per family or group.
Under 18: $5,000, Ages 18-64: $25,000; maximum $250,000 per family or group.
Under 18: $10,000, Ages 18-64: $50,000; maximum $250,000 per family or group.

Other

Included
Incidental: 30 days per every 3-month period.
$100 per day
-
$250 per day, 5 day maximum for accommodations.
$50,000 Eligible medical expenses only
Included
Included
Incidental: U.S. home country: 15 days per 3 month period. Non-U.S. home country: 30 days per 3 month period.
$100 per day
-
$250 per day, 5 day maximum
$50,000 Eligible medical expenses only
Included
Included
Incidental: U.S. home country: 15 days per 3 month period. Non-U.S. home country: 30 days per 3 month period.
$100 per day
-
$250 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 12 months maximum
$0
$0
Personal Liability: $25,000 Crisis Response: $10,000 Bedside Visit: $1,500 Pet Return: $1,000 Political Evacuation: $100,000.
Email
Per Policy Period
$0 Up to 99
$100 Up to 99
$250 Up to 99
$500 Up to 99
$1,000 Up to 99
$2,500 Up to 99
$5,000 Up to 99
Lifetime Maximum
$10,000 80-99
$50,000 Up to 79
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
$2,000,000 Up to 64
WorldTrips
Lloyd's
A "Excellent"
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 up to 4 years
$0
$0
Bedside Visit: $1,500 Pet Return: $1,000 Crisis Response: $10,000
Email
Postal Mail
Courier
Varies
$0 0-64
$100 0-64
$250 0-64
$500 0-64
Per Incident
$100,000 0-64
$250,000 0-64
$500,000 0-64
WorldTrips
Lloyd's
A "Excellent"
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 up to 4 years
$0
$0
Bedside Visit: $1,500 Pet Return: $1,000 Crisis Response: $10,000
Email
Postal Mail
Courier
Varies
$0 0-64
$100 0-64
$250 0-64
$500 0-64
Per Incident
$100,000 0-64
$250,000 0-64
$500,000 0-64
WorldTrips
Lloyd's
A "Excellent"
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Whenever there is a difference in benefits levels within PPO network and outside PPO network, the benefits shown above are applicable when availing treatment within PPO network.
  • 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.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More

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