What is Co-Insurance?

Co-Insurance is the percentage of medical expenses, after the Medical Deductible, that are the responsibility of the insured.

Typically, travel insurance policies with Co-Insurance will cover 80% of the first $5,000 of medical expenses, and then 100% of the remaining expenses up to a policy’s medical limit. This means a traveler would be responsible for 20% of the first $5,000 in medical bills.

Policies without Co-Insurance can cover 100% of the medical expenses up to the coverage limit.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Co-Insurance coverage.

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Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC
Policy Name and Summary of Coverage
1

Beacon America incl US

Plan pays 100% after deductible outside USA or Canada

Coinsurance (Subject to the Deductible)

The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the Multi-­‐Plan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% for claims incurred outside the US & Canada.

Coinsurance: The payment by or obligations of the Participating Member for payment of Eligible Medical Expenses at the percentage specified in the Schedule of Benefits/Limits contained herein and exclusive of the Deductible.

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2

Beacon International excl US

Plan pays 100% after deductible

Coinsurance (Subject to the Deductible)

The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the Multi-­‐Plan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% for claims incurred outside the US & Canada.

Coinsurance: The payment by or obligations of the Participating Member for payment of Eligible Medical Expenses at the percentage specified in the Schedule of Benefits/Limits contained herein and exclusive of the Deductible.

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Global Underwriters
Global Underwriters
Policy Name and Summary of Coverage
3

Diplomat America

Plan pays 80% of first $5,000 after deductible, then 100%

For a covered disablement, after you pay the per person deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum.

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4

Diplomat International

Plan pays 100% after deductible

Coinsurance means the percentage of Eligible Expenses for which the Company is responsible for a specified covered service after the Deductible, if any, has been met.

After you pay your selected deductible this plan will pay 100% of Covered Expenses outside your Home Country up to the selected plan maximum.

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5

Diplomat LT excl US

Plan pays 100% after deductible

Coinsurance means the percentage of Eligible Expenses for which the Company is responsible for a specified covered service after the Deductible, if any, has been met.

After you pay your selected deductible this plan will pay 100% of Covered Expenses outside your Home Country up to the selected plan maximum.

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6

Diplomat LT incl US

Plan pays 80% of first $5,000 after deductible in USA then 100%
Plan pays 100% after deductible outside USA

Coinsurance means the percentage of Eligible Expenses for which the Company is responsible for a specified covered service after the Deductible, if any, has been met.

Traveling to the United States:

After you pay the selected deductible, the plan pays 80% up to $5,000 of eligible costs, then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness. The ER deductible will be waived if hospital admittance is within 12 hours of the incident.

Traveling Outside the United States:

After you pay your selected deductible this plan will pay 100% of Covered Expenses outside the USA up to the selected plan maximum.

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HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
7

TravelGap Voyager excl US

Plan pays 100% after deductible

Plan pays 100% after deductible.

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8

TravelGap Excursion excl US

Plan pays 100% after deductible

Plan pays 100% after deductible.

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Seven Corners Inc
Seven Corners Inc
Policy Name and Summary of Coverage
9

Wander Frequent Traveler excl US

Plan pays 100% after deductible outside USA

Deductible, Copay and Coinsurance:

The Deductible and Coinsurance are per Insured Person. The Deductible applies per Covered Trip and Coinsurance applies per Period of Coverage. Both are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Coinsurance:

Percentage of Covered Expenses after the Deductible or Copay as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

Coinsurance Outside the United States: 100%

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10

Liaison Travel Choice excl US

Plan pays 100% after deductible outside USA

Coinsurance:

Percentage of Covered Expenses after the Deductible as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

Deductible, Copay and Coinsurance:

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Coinsurance (The Plan pays) Outside the United States: 100%

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11

Liaison Travel Basic excl US

Plan pays 100% after deductible outside USA

Coinsurance: Percentage of Covered Expenses after the Deductible as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

Coinsurance (The Plan pays) – Outside the United States: 100%

Copay: The fixed amount of Covered Expenses for specific services or supplies asset forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Copay is separate from the Deductible of Coinsurance.

Deductible: The amount of Covered Expenses as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Deductible is separate from the Copay and Coinsurance.

Deductible, Copay and Coinsurance. Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per service or supply and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Deductible:

The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance.

Copay:

The Copay is set forth in the Schedule of Benefits. It is separate from and does not include Deductible or Coinsurance.

Coinsurance Outside the United States:

See the Schedule of Benefits.

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12

Liaison Travel Plus excl US

Plan pays 100% after deductible outside USA

Coinsurance: Percentage of Covered Expenses after the Deductible as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

Coinsurance (The Plan pays) – Outside the United States: 100%

Deductible, Copay and Coinsurance. Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Copay:

The Copay is set forth in the Schedule of Benefits. It is separate from and does not include Deductible or Coinsurance

Coinsurance Outside the United States:

See the Schedule of Benefits.

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13

Wander Frequent Traveler Plus excl US

Plan pays 100% after deductible outside USA

Deductible, Copay and Coinsurance:

The Deductible and Coinsurance are per Insured Person. The Deductible applies per Covered Trip and Coinsurance applies per Period of Coverage. Both are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Coinsurance:

Percentage of Covered Expenses after the Deductible or Copay as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company.

Coinsurance Outside the United States: 100%

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Trawick International
Trawick International
Policy Name and Summary of Coverage
14

Safe Travels International excl US

Plan pays 100% after deductible

CO-INSURANCE PER POLICY PERIOD: 100% up to Policy Maximum

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15

Safe Travels International Cost Saver excl US

Plan pays 100% after deductible

CO-INSURANCE PER POLICY PERIOD – 100% up to Policy Maximum

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16

Safe Travels USA Cost Saver

Plan pays 100% in PPO Network
Plan pays 80% of first $5,000 outside PPO Network then 100%

CO-INSURANCE PER POLICY PERIOD:

In Network up to 100%.

Out of Network 80% of the first $5,000 then 100% up to the Policy Maximum.

Outside of USA up to 100%.

URGENT CARE CO-PAY:

$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay.

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17

Safe Travels USA Comprehensive

Plan pays 100% in PPO Network
Plan pays 80% of first $5,000 outside PPO Network then 100%

CO-INSURANCE PER POLICY PERIOD:

In Network 100%.

Out of Network 80% OF THE FIRST $5,000 THEN 100% up to the Policy Maximum.

Out of USA up to 100%.

URGENT CARE CO-PAY:

$30 per Incident, if the $0 out of Network co-pay is chosen, there is no Co-Pay.

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18

Safe Travels Outbound excl US

Plan pays 100% after deductible

Co-insurance Rate per Policy Period: 100% of Covered Expenses up to the Policy Maximum

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19

Safe Travels Outbound Cost Saver excl US

Plan pays 100% after deductible

Co-insurance Rate per Policy Period: 100% of Covered Expenses up to the Policy Maximum.

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WorldTrips
WorldTrips
Policy Name and Summary of Coverage
20

Atlas International excl US

Plan pays 100% after deductible

We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits.

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21

Atlas America incl US

Plan pays 100% after deductible

We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits.

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22

Atlas Premium International excl US

Plan pays 100% after deductible

We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits.

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23

Atlas Premium America incl US

Plan pays 100% after deductible

We will pay 100% of eligible expenses, after the deductible, to the overall maximum limit.

Coinsurance means your payment of eligible expenses at the percentage specified in the Schedule of Benefits and Limits.

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