Co-Insurance Coverage

What is Co-Insurance travel 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.

Co-Insurance by Provider

Last Updated: 09/26/2023

Global Underwriters
Policy Name and Summary of Coverage		Full Policy Wording
1	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. Read Hide Full Policy Wording
	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. Read Hide Full Policy Wording
2	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. Read Hide Full Policy Wording
	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. Read Hide Full Policy Wording
3	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. Read Hide Full Policy Wording
	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. Read Hide Full Policy Wording

HTH Travel Insurance
Policy Name and Summary of Coverage		Full Policy Wording
4	TravelGap Voyager excl US Plan pays 100% after deductible	Plan pays 100% after deductible. Read Hide Full Policy Wording
	Plan pays 100% after deductible. Read Hide Full Policy Wording
5	TravelGap Excursion excl US Plan pays 100% after deductible	Plan pays 100% after deductible. Read Hide Full Policy Wording
	Plan pays 100% after deductible. Read Hide Full Policy Wording

Seven Corners
Policy Name and Summary of Coverage		Full Policy Wording
6	Travel Medical Basic incl US Plan pays 100% after deductible outside USA	3.1 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 In PPO Network: 100% to Medical Maximum, Out of PPO Network: 80% of the first $10,000 in Covered Expenses, then 100% to Medical Maximum Coinsurance Outside the United States: 100% to Medical Maximum Read Hide Full Policy Wording
	3.1 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 In PPO Network: 100% to Medical Maximum, Out of PPO Network: 80% of the first $10,000 in Covered Expenses, then 100% to Medical Maximum Coinsurance Outside the United States: 100% to Medical Maximum Read Hide Full Policy Wording
7	Travel Medical Basic excl US Plan pays 100% after deductible outside USA	3.1 Deductible 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. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits. Coinsurance: 100% to Medical Maximum Read Hide Full Policy Wording
	3.1 Deductible 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. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits. Coinsurance: 100% to Medical Maximum Read Hide Full Policy Wording
8	Travel Medical Choice excl US Plan pays 100% after deductible outside USA	3.1 Deductible 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. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits. Coinsurance: 100% to Medical Maximum Read Hide Full Policy Wording
	3.1 Deductible 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. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits. Coinsurance: 100% to Medical Maximum Read Hide Full Policy Wording
9	Travel Medical Choice incl US Plan pays 100% after deductible outside USA	3.1 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 Inside the United States: In PPO Network: 100% to Medical Maximum Out of PPO Network: 90% of the first $10,000, in Covered Expenses, then 100% to Medical Maximum Coinsurance Outside the United States: 100% to Medical Maximum Read Hide Full Policy Wording
	3.1 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 Inside the United States: In PPO Network: 100% to Medical Maximum Out of PPO Network: 90% of the first $10,000, in Covered Expenses, then 100% to Medical Maximum Coinsurance Outside the United States: 100% to Medical Maximum Read Hide Full Policy Wording

Trawick International
Policy Name and Summary of Coverage		Full Policy Wording
10	Safe Travels International excl US Plan pays 100% after deductible	CO-INSURANCE PER POLICY PERIOD: 100% up to Policy Maximum Read Hide Full Policy Wording
	CO-INSURANCE PER POLICY PERIOD: 100% up to Policy Maximum Read Hide Full Policy Wording
11	Safe Travels International Cost Saver excl US Plan pays 100% after deductible	CO-INSURANCE PER POLICY PERIOD – 100% up to Policy Maximum Read Hide Full Policy Wording
	CO-INSURANCE PER POLICY PERIOD – 100% up to Policy Maximum Read Hide Full Policy Wording
12	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 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 deductible is chosen, there is no Co-Pay. Read Hide Full Policy Wording
	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 deductible is chosen, there is no Co-Pay. Read Hide Full Policy Wording
13	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 deductible is chosen, there is no Co-Pay. Read Hide Full Policy Wording
	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 deductible is chosen, there is no Co-Pay. Read Hide Full Policy Wording

WorldTrips
Policy Name and Summary of Coverage		Full Policy Wording
14	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. Read Hide Full Policy Wording
	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. Read Hide Full Policy Wording
15	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. Read Hide Full Policy Wording
	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. Read Hide Full Policy Wording
16	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. Read Hide Full Policy Wording
	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. Read Hide Full Policy Wording
17	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. Read Hide Full Policy Wording
	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. Read Hide Full Policy Wording

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