Some Key Plan Features	Liaison International	Diplomat America	Diplomat LT	Atlas America
Benefit Period (see consumer tips)	6 Months	12 Months	12 Months	6 Months
Does Emergency Medial Evacuation include back to Home Country?	Yes See plan literature for exact wording.	Yes See plan literature for exact wording.	Yes See plan literature for exact wording.	No To nearest treatment facility only.
Is there any coverage for "pre-existing" medical conditions?	Medical exclusions do NOT apply to the Emergency Medical Evacuation benefit.	Medical exclusions do NOT apply to the Emergency Medical Evacuation benefit.	Medical exclusions do NOT apply to the Emergency Medical Evacuation benefit.	No
Is the insurance renewable for continuous coverage?	Renewable up to 36 months. (up to 12 months max for age 70+)	Not Renewable. May be purchased in 15 day increments up to one year.	Renewable up to 36 months.	Renewable for up to 36 months. Renewals must be done online with cc.
Is the Insurance Company fully regulated in most or all U.S. states?	Yes US-based insurer. Virginia Surety Co., rated "A-" by A.M. Best. (In NY, OR, NC & KS, the insurer is Lloyd's, London.)	Yes US-based insurer. The Insurance Company Of Pennsylvania, rated "A++" by A.M. Best. All states.	Yes US-based insurer. The Insurance Company Of Pennsylvania, rated "A++" by A.M. Best. All states.	No. Lloyd's, London, rated "A-" by A.M. Best, is fully regulated in two states, but registered as "surplus lines" in all other states.
Look-back period in the plan definition of  "pre-existing condition."	3 years	3 years	3 years	2 years
Some notable or unique plan features	• Terrorism covered as any other illness. • Use PPO Network inside the USA.	• 12 month Benefit Period is a strong feature that should be considered for longer-term visits.	• 12 month Benefit Period is a strong feature that should be considered for longer-term visits.	• Coverage for complications of pregnancy (first 26 weeks only). • Limited coverage for terrorism.
* Tables are for summary purposes only.  See plan literature (links below) for the exact wording of plan definitions, conditions, and exclusions.

Question? Do all Temporary international insurance plans contain the same features?
Answer: No. Temporary international insurance plans do NOT contain the same features.
* Some plans do NOT have a minimum Benefit Period.
* Some plans are NOT backed by companies legally registered in most USA states.

Note: Inbound USA is a "Schedule of Benefits" or "Basic Medical" plan. It is not comparable to the four temporary health insurance plans seen above. "Inbound USA" offers fewer benefits, but (1) there is no age limit and (2) the look-back period for "pre-existing condition" is only 6 months (12 months for ages 70+). See Inbound USA details below.

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Compare Key Plan Features, Instant Quotes & Comments

Liaison International . . . On-line Quotes  (opens in a new window) Quote tip - on the first question, be sure to select "travel to INCLUDE the U.S." When the quotes appear - select your deductible in the field at the top of the quote box (higher deductible = lower premium). The default quote is $0 deductible. The most popular choices are $250, $500, or $1000. Liaison International . . . Program Summary  (opens in a new window) This is the actual policy wording (pdf). Liaison International . . . Brochure & Rate Tables  (opens in a new window) Comments: If you have medical coverage upon return to your Home Country (such as government health care, etc.), then "Liaison International" may be a good, low-cost choice with several advantages.  "Liaison International" is renewable for up to 3 years.   "Emergency Medical Evacuation" is a separate plan benefit (up to $300,000) that does not count towards the plan's Medical Maximum and is not subject to the Medical Exclusions. The plan wording allows for medical transport back to your Home Country, if advisable.   This plan is insured by a USA-domiciled insurer; Virginia Surety Co. (rated "A-" by A.M. Best). Virginia Surety is fully regulated in 46 states and D.C. (In NY, OR, NC & KS, the insurance company is Lloyd's, London.)   The definition of "pre-existing condition" is less ambiguous and more consumer-friendly than many other insurance plans. (See consumer tips - temporary plans.) For "Liaison International" Applicants: After completing your online application, a confirmation page will appear. Print and save this as your insurance confirmation & ID. An identical e-mail confirmation is also sent. Click here to quote Liaison International. Note: Be sure to contact the plan administrator prior to obtaining planned medical services within the USA. In a medical emergency, contact the administrator as soon as possible. Top of Page

Coverage for up to 12 months (opens in a new window).

Renewable for up to 36 months (opens in a new window).

Diplomat Plans . . . On-line Quotes & Policy Details  (opens in a new window) After opening link above, go to your plan choice and select "Get A Quote" or "Policy Details." Comments: The Diplomat Plans tend to cost more (especially Diplomat LT), but they offer many top-tier features.   All "Diplomat" plans are insured by a US-domiciled insurance company fully regulated in all 50 states and D.C. (The Insurance Company Of Pennsylvania, rated A++ by A.M. Best.)   All "Diplomat" plans have a 52 week Benefit Period (compared to 26 weeks or less with most other temporary health insurance plans). Even if the plan terminates, a covered condition first diagnosed or treated while the plan was in effect, will continue to be covered for up to 52 weeks from first diagnosis.   "Emergency Medical Evacuation" is a separate plan benefit (up to $100,000) that does not count towards the plan's Medical Maximum and is not subject to the Medical Exclusions. The plan wording allows for medical transport back to your Home Country, if advisable.   The definition of "pre-existing condition" is less ambiguous and more consumer-friendly than many other insurance plans. (See consumer tips - temporary plans.)   Travel back to your Home Country for follow-up treatment of a covered injury or illness is NOT EXCLUDED if the Home Country Coverage option is elected. (Maximum Home Country medical amount is $75,000, see brochure for details.) The condition must have been first diagnosed or treated while outside of your Home Country. Note: upon arrival in your home Country, the plan terminates, but your present covered condition continues to be covered per the policy for the balance of the plan's 52 week Benefit Period. Diplomat Plans - A Limitation to Note: All Diplomat Plans limit covered expenses to $1000 maximum for any illness that is first manifested, treated, or diagnosed during the first 30 days of coverage. Unless you are traveling to parts of Africa or other areas where chronic infectious diseases are more prevalent, the outstanding features of the Diplomat plans (52-week benefit period, fully regulated A++ insurer, etc.) may outweigh this limitation. However, if you want the unique benefits that the Diplomat plans offer, but this limitation is a concern, please contact me for some suggestions.  For Diplomat Applicants: After completing your online application, a confirmation page will appear. This page may be printed to serve as your temporary insurance ID. An insurance packet is mailed to your address of correspondence, normally with one business day of purchase. The packet will include your insurance policy, ID card, claim form, etc. Top of Page

Atlas Series . . . On-line Quotes  (opens in a new window) Open link and first question "Will your trip include the US or US territories, select "yes." Atlas Series . . . Brochure  (opens in a new window) Comments: (see plan literature for details).   The Atlas plans contain no exclusion for travel for treatment. Therefore, follow-up treatment for a covered condition first diagnosed or treated while outside of your Home Country, will continue to be covered for the remainder of the Benefit Period, anywhere you wish, including back in your Home Country. Note: upon arrival in your home country, the plan terminates, but your a covered condition continues to be covered per the for the balance of the plan's 6 month Benefit Period (see consumer tips).   Treatment for complications of pregnancy during the first 26 weeks of pregnancy is covered under the Atlas Series of plans. (Most other temporary heath and travel insurance plans exclude coverage for treatment of all pregnancy related conditions.)   When you purchase the Atlas America plan on-line, you may renew coverage for up to 36 months total (see the "Review Coverage" link at bottom of Atlas Quote Page for details). A Limitation to Note: The plan definition of "pre-existing condition" is more ambiguous than we normally like (see consumer tips - Temporary plans for details). However, this plan has other favorable plan features which make it a strong consideration for many people. Note to Atlas applicants: The plan administrator (MNUI) does not mail an insurance packet, unless specifically requested. When purchasing on-line, you are asked if you want "on-line fulfillment?" Unless you click the drop-down box and select otherwise, you will not be mailed a policy certificate and ID. There is no additional charge if you select "US mail." In either case, please be sure to print your on-line (or e-mailed) insurance confirmation page. Top of Page

Here is a unique temporary health insurance plan with a purpose. Inbound USA - On-line Quotes & Apply  (opens in a new window) Inbound USA Brochure  (opens in a new window) Inbound USA is designed as a practical, low-cost option for older visitors to the USA. In addition, US visitors of any age may find Inbound USA to be attractive due to its favorable definition of "pre-existing condition." Inbound USA meets US Visa requirements and there is no maximum age limit. Because of its unique structure, it is important that you read and fully understand the program. Here are 3 important ways in which "Inbound USA" differs from the other temporary health insurance plans found here.  1. "Inbound USA" is a Schedule of Benefits plan. There are established and defined maximum benefits for various medical treatments, such as hospital room and board, doctor visits, etc. 2. "Inbound USA" is often a more practical and lower-cost plan for older ages. This plan is especially affordable for ages 60 and above. There is no maximum age limit for coverage. 3. "Inbound USA" has a more favorable definition of "pre-existing condition" when compared to other temporary health insurance plans. The "look-back period" for a "pre-existing condition" is only 6 months (12 months for ages 70+) , compared to 2 or 3 years on most other temporary plans (see plan brochure for details). Important: In most cases, the maximum insurance benefit under "Inbound USA" is less than what is considered to be "usual, reasonable and customary" within the USA. For example, in the event of covered hospitalization, the insured person would likely be responsible for a portion of the treatment charges, even after the per-incident deductible. However, Inbound USA may be . . . (1) the only practical way for an older USA visitor to obtain travel medical coverage, or (2) the only way for a person to obtain true medical coverage that might otherwise be excluded as a "pre-existing condition." You may purchase Inbound USA on-line (opens in a new Window). Upon completion of your purchase, you will see a temporary on-line ID (please print). You are also sent a confirmation e-mail and a policy will be mailed within 2 business days. Top of Page