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.

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All policies provide worldwide coverage unless stated prior to purchase.
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Co-Insurance by Provider

Last Updated: 05/01/2023
Global Underwriters Global Underwriters
Policy Name and Summary of Coverage
1

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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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
2

TravelGap Voyager excl US

Plan pays 100% after deductible

Plan pays 100% after deductible.

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3

TravelGap Excursion excl US

Plan pays 100% after deductible

Plan pays 100% after deductible.

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IMG IMG
Policy Name and Summary of Coverage
4

Patriot America Plus

Plan pays 100% in PPO network
Plan pays 80% outside PPO network

Coinsurance In addition to Deductible:

In-Network: Plan pays 100%, Insured pays 0%

Out-of-Network: Plan pays 80%, Insured pays 20%

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5

Patriot America Platinum

Plan pays 100% in PPO network
Plan pays 90% outside PPO network

Coinsurance, In addition to Deductible:

In-Network – Plan pays 100%, Insured pays 0%

Out-of-Network – Plan pays 90%, Insured pays 10%

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6

Patriot America Lite

Plan pays 100% in PPO network
Plan pays 80% outside PPO network

Coinsurance, In addition to Deductible:

In-Network – Plan pays 100%, Insured pays 0%

Out-of-Network – Plan pays 80%, Insured pays 20%

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7

Patriot International Lite

Plan pays 100% after deductible

Coinsurance, In addition to Deductible:

Plan pays 100%, Insured pays 0%

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8

Patriot International Platinum

Plan pays 100% after deductible

Coinsurance, In addition to Deductible:

Plan pays 100%, Insured pays 0%

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Seven Corners Seven Corners
Policy Name and Summary of Coverage
9

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.

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: 100% to Medical Maximum

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10

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 Inside the United States:

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

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11

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

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12

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

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13

Travel Medical Plus 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

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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 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.

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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 deductible is chosen, there is no Co-Pay.

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WorldTrips WorldTrips
Policy Name and Summary of Coverage
18

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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19

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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20

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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21

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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