International Travel Health Insurance primarily focuses on providing coverage for medical expenses and evacuation expenses when one becomes sick or gets injured while traveling overseas.. This type of plans does NOT have any trip cancellation benefits. The featured international travel medical insurance is the Liaison Majestic which is underwritten by Chartis.

Vacationers traveling outside USA are required to seek coverage under International Travel Health insurance because –

• Medicare (US Residents over 65 years) does not offer any coverage overseas. This is clearly mentioned on the US Passport.
• Many HMO and employee group health insurance plans explicitly state that there will be no coverage outside the local US network.
• Seek help from an experienced individual when they fall sick or get injured while traveling overseas

The plan features:

• Medical limit: $60,000; $125,000; $600,000; or $1,000,000.
• Deductible: $0 to $2,500.
• Evacuation: to closest adequate medical facility with $300,000 limit (note, this is not back to the home country i.e. USA)
• Pre-Existing Condition Coverage for US Citizens: Covered up to plan maximum if insured has domestic US health insurance (Medicare, Indiv or employee group plan); otherwise covered outside US & CAN up to $20,000 for under 65years & $2,500 for over 65years; Pre-Existing Condition Coverage for Non-US Citizens: Covered up to $3,000 with a per night limit of $200 when hospitalized due to heart attack or stroke
• Pre-Existing Condition Definition: medical condition (of insured) that first manifested, worsened, showed symptoms, that was treated, or that required taking Rx drugs during 36 months prior to start of plan.

The plan is underwritten by Chartis Insurance Company and the claims are administered by Seven Corners, Inc. situated close to Indianapolis, IN.