Expatriate International Travel Insurance plans for Individuals and Families |
Home | Cigna Global Insurance | Geo Blue Xplorer | International Medical Group (IMG) |
GeoBlue Xplorer Health Insurance for Individuals & Families up to age 64
GeoBlue has two Expat Worldwide Medical Coverage plans for US Citizens and Residents:
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| Meet GeoBlue, a better kind of care for world travelers like you. You will experience unsurpassed service and the convenience of mobile technology to access the best medical care no matter what country, town or time zone you are in. If you’re a family that’s relocating, an expatriate or a global citizen, the GeoBlue Xplorer Health Plans give you access to Elite International Doctors & Hospitals in their large Global Provider Community. | ||
| Plan Names | Xplorer Essential Worldwide with Basic or No USA Coverage |
Xplorer Premier Worldwide with Comprehensive Coverage |
| Plan Highlights |  Complete health insurance plans that you can use anywhere in the world. Annual plan for individuals and families who intend to be outside their home country for at least 3 months a year. No waiting periods associated with any preventive services, such as doctor office visits and routine physicals. Unlimited annual and lifetime medical maximum. Immediate coverage of pre-existing conditions with proof of previous coverage during the six months before the start date of your plan. Deductible waived for office visits, Preventive care, prescriptions and more. Includes prescription coverage with optional enhanced prescription benefits. Optional dental and vision coverage. Unlimited telemedicine services. The GeoBlue Xplorer plans meet all Schengen Visa requirements. Continuous coverage for spouse and dependents in the event of subscriber death for up to 24 months. |
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| Secure online quote form links | Xplorer Essential | Xplorer Premier |
The GeoBlue Xplorer Plans combine comprehensive worldwide benefits with a new generation of medical assistance services. These services include an impressive array of online and mobile tools that allow subscribers to identify, access, and pay for quality healthcare worldwide.
Geographic restrictions:
- U.S. State Restrictions: GeoBlue Xplorer products are not available to those residing in New York, Maryland, Washington, and South Dakota.
- Country Restrictions: GeoBlue Xplorer products are not available to those residing in Afghanistan, Burkina Faso, Central African Republic, DRC, Chad, Cuba, Haiti, Iran, Iraq, Ivory Coast, Libya, Mali, Niger, North Korea, Pakistan, Palestine, Somalia, South Sudan, Sudan, Venezuela, and Yemen.
Not eligible for GeoBlue Xplorer? Click here to see Cigna Global and here to see IMG Global.
View or Download the Xplorer Essential and Xplorer Premier Descriptions of Coverage: |
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| GeoBlue Xplorer Essential Description of Coverage Basic US Benefits Upgrade wording |
GeoBlue Xplorer Premier Description of Coverage |
| A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired GeoBlue Xplorer Essential or Xplorer Premier Certificate of Coverage. You can view or download GeoBlue Xplorer Certificates with the free Adobe Acrobat Reader. | |
Ready to find out more? It’s easy (and safe) to get Xplorer quotes online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
GeoBlue Xplorer Premier Benefit Schedule |
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| Secure online quote form link | Xplorer Premier | ||
| GeoBlue Xplorer Premier has three tiers of coinsurance: 100% outside the U.S.; 80% in-network inside the U.S.; 60% out-of-network inside the U.S. All plans have an unlimited lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation. The Out-of-Pocket Maximum is calculated by adding the deductible and coinsurance maximum together. | |||
| Benefits | Outside U.S. | U.S. (In-Network) | U.S. (Outside Network) |
| Primary and Preventive Care – Insurer Waives Deductible | |||
| Primary Care Office Visits | All except a $10 copay per visit (Copay waived when visiting a GeoBlue contracted provider outside the U.S. ) | All except a $30 copay per visit | 60% to Coinsurance Maximum then 100% |
| Preventive Care for Babies/Children: (Birth through Age 18) for Office Visits/Examination and Immunizations, Lab work & X-rays done in conjunction with an office visit | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Preventive Care For Adults: (Age 19 and Older) for Office Visits/examination, Immunizations as recommended by the Center for Disease Control (CDC), Routine Pap Smears, Annual Mammogram, PSA For Men, and Diagnostic lab work & X-rays done in conjunction with an office visit | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Annual Physical Examination/Health Screening, Subject to a Calendar Year Maximum of $750 and limited to one per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Urgent Care Facility | 100% | All except a $75 copay per visit | 60% to Coinsurance Maximum then 100% |
| Travel Vaccinations, Subject to a $500 Maximum per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Professional Services – Insurer Pays After Deductible is Met | |||
| Surgery, Anesthesia, Radiation Therapy, In-hospital Doctor Visits, Diagnostic X-ray and Lab Work | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Inpatient Hospital Services – Insurer Pays After Deductible is Met | |||
| Surgery, X-rays, In-hospital Doctor Visits, Organ/Tissue Transplant | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Inpatient Medical Emergency | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Inpatient Drugs | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Ambulatory and Therapeutic Services – Insurer Pays After Deductible is Met, Unless Noted | |||
| Ambulatory Surgical Center | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Ambulance Service | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Accidental Dental | $1,000 per calendar year, $200 per tooth | $1,000 per calendar year, $200 per tooth | $1,000 per calendar year, $200 per tooth |
| Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Durable Medical Equipment | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Infusion Therapy | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Physical/Occupational Therapy, Limited to 12 visits per Calendar Year | 100%, no deductible | 100%, no deductible | 100%, no deductible |
| Inpatient Mental Health | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Outpatient Mental Health | 100%, no deductible, $10 Copayment1 | 100%, no deductible, $30 Copayment | 60% to Coinsurance Maximum then 100%, no deductible |
| Inpatient Substance Abuse | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Outpatient Substance Abuse | 100%, no deductible, $10 Copayment1 | 100%, no deductible, $30 Copayment | 60% to Coinsurance Maximum then 100%, no deductible |
| Prescription Drug Benefit Options – Insurer Waives Deductible | |||
| Basic Prescription Drug Benefit, Subject to $1,000 Maximum per Insured Person per Calendar Year (Pay and claim benefit only) | 100% of actual charges | 100% of actual charges | 100% of actual charges |
| Optional rider, subject to $25,000 Maximum per Insured Person per Calendar Year, Max 90-day supply | 100% of actual charges | Generics: 100% after $10 copay per 30-day supply Brand name: 100% after $10 copay per 30-day supply Injectables: 70% |
Generics: 100% after $10 copay per 30-day supply Brand name: 100% after $10 copay per 30-day supply Injectables: 70% |
| Global Travel Benefits – Insurer Waives Deductible | |||
| Emergency Medical Transportation | Up to $250,000 | n/a | n/a |
| Repatriation of Mortal Remains | Up to $25,000 | n/a | n/a |
| Accidental Death and Dismemberment | $50,000 | $50,000 | $50,000 |
| Other Benefits – Insurer Pays After Deductible is Met | |||
| Home Health Care, Subject to a maximum of 30 visits per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Hospice, Subject to a maximum of $5,000 per lifetime | 100% | 80% to Coinsurance Maximum then 100% | 60% to Coinsurance Maximum then 100% |
| Secure online quote form link | Xplorer Premier | ||
Ready to find out more? It’s easy (and safe) to get Xplorer quotes online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
GeoBlue Xplorer Essential Benefit Schedule |
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| Secure online quote form link | Xplorer Essential | ||
| GeoBlue Xplorer Essential covers most services outside the U.S. at 100%. All plans have an unlimited lifetime maximum and a $250,000 maximum benefit for emergency medical evacuation. | |||
| Benefits | Outside U.S. Only | ||
| Primary and Preventive Care – Insurer Waives Deductible | |||
| Primary Care Office Visits | All except a $10 copay per visit1 | ||
| Preventive Care for Babies/Children: (Birth through Age 18) for Office Visits/Examination and Immunizations, Lab work & X-rays done in conjunction with an office visit | 100% | ||
| Preventive Care For Adults: (Age 19 and Older) for Office Visits/examination, Immunizations as recommended by the Center for Disease Control (CDC), Routine Pap Smears, Annual Mammogram, PSA For Men, and Diagnostic lab work & X-rays done in conjunction with an office visit | 100% | ||
| Annual Physical Examination/Health Screening, Subject to a Calendar Year Maximum of $750 and limited to one per Calendar Year | 100% | ||
| Travel Vaccinations, Subject to a $500 Maximum per Calendar Year | 100% | ||
| Professional Services – Insurer Pays After Deductible is Met | |||
| Surgery, Anesthesia, Radiation Therapy, In-hospital Doctor Visits, Diagnostic X-ray and Lab Work | 100% | ||
| Inpatient Hospital Services – Insurer Pays After Deductible is Met | |||
| Surgery, X-rays, In-hospital Doctor Visits, Organ/Tissue Transplant | 100% | ||
| Inpatient Medical Emergency | 100% | ||
| Inpatient Drugs | 100% | ||
| Ambulatory and Therapeutic Services – Insurer Pays After Deductible is Met, Unless Noted | |||
| Ambulatory Surgical Center | 100% | ||
| Ambulance Service | 100% | ||
| Accidental Dental | $1,000 per calendar year, $200 per tooth | ||
| Acupuncture and Chiropractic Services, Subject to a $2,000 Maximum per Calendar Year if under the care of a licensed Physician | 100% | ||
| Durable Medical Equipment | 100% | ||
| Infusion Therapy | 100% | ||
| Physical/Occupational Therapy, Limited to 12 visits per Calendar Year | 100%, no deductible | ||
| Inpatient Mental Health | 100% | ||
| Outpatient Mental Health | 100%, no deductible, $10 Copayment1 | ||
| Inpatient Substance Abuse | 100% | ||
| Outpatient Substance Abuse | 100%, no deductible, $10 Copayment1 | ||
| Prescription Drug Benefit Options – Insurer Waives Deductible | |||
| Basic Prescription Drug Benefit, Subject to $1,000 Maximum per Insured Person per Calendar Year (pay and claim benefit only) | 100% of actual charges | ||
| Optional Enhanced Prescription Drug Rider, Subject to $25,000 Maximum per Insured Person per Calendar Year | 100% of actual charges | ||
| Global Travel Benefits – Insurer Waives Deductible | |||
| Emergency Medical Transportation | Up to $250,000 | ||
| Repatriation of Mortal Remains | Up to $25,000 | ||
| Accidental Death and Dismemberment | $50,000 | ||
| Other Benefits | |||
| Home Health Care, Subject to a maximum of 30 visits per Calendar Year | 100% | ||
| Skilled Nursing Facilities, Subject to a maximum of $250 per day for a maximum of 50 days per Calendar Year | 100% | ||
| Hospice, Subject to a maximum of $5,000 per lifetime | 100% | ||
| Secure online quote form link | Xplorer Essential | ||
| Optional Basic U.S. Benefits – Deductible Applies2 | Inside U.S. Only |
| Basic travel accident and sickness coverage inside the U.S. for short trips to the U.S. Covers incidental illness and injury. Not designed to cover preventive, elective care or extended stays in the U.S. | 100%, 80%, or 60% (depending upon services received) of actual charges up to $1,000,000 / $500 maximum for pre-existing medical conditions |
See above for GeoBlue Xplorer Premier Benefit Schedule. This is intended to be a sample benefit schedule. Changes may occur to benefits, rates and terms annually.
- Copay waived when visiting a GeoBlue contracted provider outside the U.S.
- Separate definitions, terms and exclusions apply to this rider. See full plan description online for details.
Ready to find out more? It’s easy (and safe) to get Xplorer quotes online or over the telephone – just call Deanna, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858.
Who is Eligible?
The GeoBlue Xplorer Essential and Premier plans are designed for U.S. citizens moving abroad and non-U.S. residents moving to the United States. Policyholders must be 74 years or younger at the time of application. An employee of a U.S. company is also eligible if the company is domiciled in a U.S. state and the company pays the insurance premium.
Policyholders must live outside of their home country for three months or longer. GeoBlue Xplorer plans are extendable as long as eligibility requirements are continuously met.
Eligible dependents:
- A spouse or partner of the eligible policyholder
- An eligible policyholder’s own or spouse’s/partner’s unmarried, natural child, stepchild, or legally adopted child who has not yet reached age 26
Note: TripInsuranceStore.com is an authorized agent of GeoBlue Insurance and is licensed to sell their international health insurance plans along with the GeoBlue Travel Insurance plans.
GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue is the administrator of coverage provided under insurance policies issued by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.
Scroll down to see each plan. Download brochures plus get detailed quotes and the full Certificates of Coverage. You may easily and safely apply online, too. You will immediately be emailed your confirmation and documentation.
Patriot Lite Travel MedicalIndividual and Family Short-term coverage available from five days up to two years. Highlights
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Patriot Platinum Travel MedicalIndividual & family – First-class short-term coverage available from five days up to three years. Highlights
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Patriot America® PlusShort-term travel medical insurance for non-U.S. individuals, families, and groups from 5 days to 2 years Highlights
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The Legal Stuff (Legalese)
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| Your Travel Insurance Expert® is a registered Copyright in the USA |
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Any other modification or use of the materials on this site violates TripInsuranceStore.com, Inc.’s and / or TripInsuranceStore.com’s proprietary rights in the materials unless you first obtain our written consent.
Jurisdiction
Unless otherwise specified, the materials in our site are presented solely for the purpose of promoting and facilitating the issuance of insurance policies available within the United States of America and Canada. The site may contain references to products or services that are not offered or available in the state or country in which you reside. TripInsuranceStore.com, Inc. and / or TripInsuranceStore.com makes no representation that materials in the site are appropriate or offered in other locations. This site is controlled and operated by TripInsuranceStore.com, Inc. and / or TripInsuranceStore.com from its offices located in the state of Missouri, United States of America.
Disclaimer (No Warranty)
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Licenses
We sell insurance as an agent or broker by contractual agreements with our partner insurance providers. TripInsuranceStore.com, Inc. is a Missouri corporation and is a licensed insurance agency in the USA. Its NPN is 16555909. Steven Dasseos is the licensed travel insurance agent. A travel insurance agent must be licensed in their domiciled state in order to sell travel insurance.
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| Arkansas | TripInsuranceStore.com, Inc. | 100150687 |
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| California | Travel and Trip Insurance Agency | 0L26199 |
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| Connecticut | TripInsuranceStore.com, Inc. | 002520330 |
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| Illinois | TripInsuranceStore.com, Inc. | 100761336 |
| Indiana | TripInsuranceStore.com, Inc. | 3149386 |
| Kansas | TripInsuranceStore.com, Inc. | 411929965-0 |
| Kentucky | Steven Dasseos | DOI-809187 |
| Louisiana | TripInsuranceStore.com, Inc. | 689536 |
| Massachusetts | TripInsuranceStoreAgency.com, Inc. | 2024839 |
| Maryland | TripInsuranceStore.com, Inc. | 3000001041 |
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| Michigan | TripInsuranceStore.com, Inc. | 0100792 |
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| Missouri | TripInsuranceStore.com, Inc. | 8024278 |
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| Montana | TripInsuranceStore.com, Inc. | * |
| North Carolina | TripInsuranceStore.com, Inc. | 411929965 |
| North Dakota | TripInsuranceStore.com, Inc. | 2000155497 |
| Nebraska | TripInsuranceStore.com, Inc. | 100249086 |
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| Nevada | TripInsuranceStore.com, Inc. | 3154508 |
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| Pennsylvania | TripInsuranceStore.com, Inc. | 771909 |
| Rhode Island | Steven Dasseos | 2092674 |
| South Carolina | TripInsuranceStore.com, Inc. | 207763 |
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| Utah | TripInsuranceStore.com, Inc. | 567656 |
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| Washington | TripInsuranceStore.com, Inc. | 835451 |
| Wisconsin | TripInsuranceStore.com, Inc. | 100207516 |
| West Virginia | Steven Dasseos | 331639 |
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TripInsuranceStore.com’s Client Service
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ExpatriateTripInsurance.com’s Committed To Your Privacy
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Before we get to all the legal wording, ExpatriateTripInsurance.com, Inc. wants you to know in simple English: Steve, Deanna and Kim protect our clients’ privacy. One meaning of the word “client” is one who leans on another for protection. So if you want us to give out any information to someone else, we need your permission. If you say, “my friend is going to be calling…”, we need to get your friend’s name so when they call we know it’s ok. On the other hand, if you are using ExpatriateTripInsurance.com to gather information so you can bypass us when you order a travel insurance policy (meaning we lose the commission on the sale), this is fraudulent use of ExpatriateTripInsurance.com. We understand that not everyone who researches travel insurance ultimately buys it. But since the price for any specific policy is the same from every seller, please don’t steal our information when you know you won’t be ordering through us. The worst offenders are travel agents and our competitors. |
This Privacy Policy describes the terms of ExpatriateTripInsurance.com’s commitment to your privacy.
Persons Or Parties Covered
This Privacy Policy is intended to cover all visitors to ExpatriateTripInsurance.com, all subscribers to lists or newsletters whether paid or unpaid, all members or affiliates whether paid or unpaid, and all customers. Persons who visit or view ExpatriateTripInsurance.com, whether intentionally or unintentionally, whether solicited or unsolicited, are described herein as “Visitors” and are parties to this Privacy Policy. Subscribers to lists or Newsletters are referred to herein as “Subscribers” and are parties to the Privacy Policy. Persons who join an organization or marketing endeavor (e.g. “affiliates”) promoted by ExpatriateTripInsurance.com are called “Members” herein and are covered by this Privacy Policy. Finally, anyone who orders, attempts to order, or receives a product sold (recipients) or advertised on or delivered from ExpatriateTripInsurance.com, even at no cost, is called a “Customer” herein and is subject to this Privacy Policy not only by passive acceptance, but by virtue of the Purchase Agreement contract. ExpatriateTripInsurance.com, its agents, owners, operators, and employees are referred to collectively herein as “Website,” “Site,” and/or “Seller”.
PERSONS UNDER 18 YEARS OF AGE ARE EXCLUDED FROM THIS WEBSITE
This website is not lawfully accessible to persons under the age of 18 or who are otherwise covered by the provisions of the Child Online Privacy Act of 1998 (COPA). If you are under the age of 18 you must leave this site immediately. Fraudulent use of this website may make you subject to civil or criminal sanctions.
Persons Excluded From This Website Are Still Covered
In the event that a person excluded from this website because of the Terms of Use or from denial of service by the website, who nonetheless unlawfully views this site, that person remains subject to the terms of this Privacy Policy and is in violation of the Terms of Use
Viewing And / Or Use And / Or Communication Is Construed As Acceptance Of The Terms Of This Policy
Acceptance of the terms of this Privacy Policy is a portion of the consideration required for your right to visit the website. If you do not accept these terms, you have no right to visit this site and you are fraudulently using this site.
About The Personal Information This Website Collects And How It Is Used
This website routinely collects information about its visitors, subscribers, members, and customers. This information is obtained in various ways, such as:
Visitor, Subscriber, Member, Or Customer Information Obtained From ‘Registration’
Registration means that the Visitor, Subscriber, Member or Customer takes active, positive steps to communicate information to this website. This can include pages or ‘pop ups’ where you register for a newsletter or subscribe to a mailing list; it can include your participation in visitor surveys; it can include requesting information from the website via email, mail, chat, or courier; it may be from joining an affiliate program or other membership organization, paid or unpaid; it may be from ordering a product.
Occasionally complete credit card information may be provided to the website via fax or a fill-in form rather than regular secure merchant service processing. This information is kept at the highest level of security and is never divulged to anyone except the merchant service provider or for the purpose of communication with the customer.
Third Party Vendors
Google’s advertising network displays ExpatriateTripInsurance.com ads on other websites. Google uses cookies to display ExpatriateTripInsurance.com ads based on our visitors’ past visits to the ExpatriateTripInsurance.com website.
You may opt out of the Google Advertising Features we use here: Google advertising opt-out page. Or any other available means. For example, the NAI’s consumer opt-out.
Online Ordering
Online ordering via SSL encrypted communication provided by shopping cart services supporting merchant service companies like Visa and Master Card provides information to the website but does not provide complete credit card numbers. In the process of online ordering, the customer provides, name, address, city, state, email address, phone number, CVV2 (back of card) number, and, occasionally a member password. You should consider all this information available to the website. This information is used to deliver the product, but under the Purchase Agreement you also approve its use for general solicitation purposes.
Visitor Email Inquiries
Website visitors who wish to communicate with the website do so under two conditions: one, they give their permission for contact by the website; two, they are subject to any “submission” provisions of the Terms of Use, Purchase Agreement, or this Privacy Policy. While your email address may or may not be used to solicit you, it is added to the website’s general database.
Customer Email Or Testimonials
If you are a customer and send an email to the website, or if you communicate with the site by phone or mail, the website collects information about your communication and by communicating with the site you give your permission to collect, archive, retrieve, and otherwise use any information collected as the site sees fit.
Any communication which, in its sole discretion, the site deems to be a testimonial, may be publicized for commercial purposes.
Information Obtained From Visitor Interaction With Banners, Popups, or Site Advertisers
Visitors clicking on banners or pop-ups or hyperlinked advertising, appearing on this website must assume that information is being collected about them. This site is not responsible for the use of information collected in such a fashion. Visitors must assume that
(1) information will be collected,
(2) that cookies will usually be placed on their hard drive,
(3) that website does not have any control over what happens with this information,
(4) that website takes no responsibility over the accuracy or content of advertisers,
(5) that website is not responsible for downloads from third party advertisers that contain viruses or worms or other computer code that causes their computer or software harm, and
(6) that website assumes no responsibility for the data that is garnered from the click itself or that the advertiser collects.
Information Obtained From Referring Email Or Referring URLs
If you send a friend an email from this site or if you send the url or one of our web pages to a friend, you must assume that some data is collected about your IP address or your email address and that of your friend. You must assume that referred emails or web pages may appear to come from your email. You must accept fully responsibility for referring pages or email to a friend and agree to indemnify this site for any damage, intentional or unintentional that results from said referrals.
Information Obtained From Voluntary Visitor, Subscriber, Member Or Customer Surveys
Unless otherwise specified in the survey, you must assume that any information provided to the website as part of a survey in which you participate may be used for general solicitation for commercial purposes and that such information will be shared with joint venture partners, affiliates, marketing organization or used by the site itself for product design or solicitation purposes.
Information Obtained From Electronic Means And ‘Cookies’
Many websites, including this one, collect information about your computer, your email address, your IP address. You must assume that your web-viewing or web-use activity is monitored, tracked, and information collected. This information is not usually of a personal nature, but it may help define your viewing habits and product preferences even though the website may or may not have any idea who you are.
“Cookies” is web jargon for bits of computer code placed on your hard drive. Websites use this to keep you “logged in”, to keep track of search criteria, to monitor use, to password protect use of the site or use of products sold by the site. Cookies can also be used to obtain information about your computer configuration or your use of your computer.
Cookies can be used to electronically gather information about you. Again, it may or may not be personal information, but it is information and by using this site you are expressly giving permission to use ‘cookies’ and to use the information gathered from their use to benefit you. You also give permission to collect, archive, retrieve, and use any information collected for product design, product offers to you, and general commercial solicitation purposes by this site or joint venture partners, affiliates, and marketing organizations.
How Information May Be Used
The use of information as described below may or may not be how information that is collected is customarily used by this site. While actual use of any information collected may be used quite conservatively, you must assume that it is not. You must assume that information collected is shared with other persons or entities for commercial purposes. While this is uncommon in practice, you must assume that it is as you make your decision whether or not to view or interact with this website. This type of shared information may include your name, address, phone number, email address and buying habits, as well as other information. This information may be used for general commercial solicitation by this website or other persons it is sold to, rented to, or shared with.
Information That Is Not Shared
Credit card information or other financial information is not usually known to the website. However, in the event that it is made known, that information is never revealed to anyone except to processing authorities or law enforcement agencies. However, the provider of such information gives express permission to use it in fraud investigation or for litigation.
Bulletin Boards And Public Forums
Visitors, subscribers, members, or customers who use any site provided bulletin boards or other public forums, such as chat rooms, do so at their own risk. You may not assume that the site monitors these services or protects you in any manner from information you post publicly or share with anyone else via these services.
Spam
By providing to this website information that forms the basis of communication with you, such as an email address, you waive all rights to file complaints concerning unsolicited email or spam from this website since, by providing such information, you agree to receive communication from us. However, all email communication with you shall contain an ‘unsubscribe’ link where you may notify the website that you no longer wish to receive solicitations or information from the website and your name will be removed from the general solicitation database.
Data Security
This website takes measures to protect its data that contains information related to you. However, as a consideration for viewing this site or interacting with this site in any manner, you waive all claims of any nature against this site concerning the loss, alteration, or misuse of information. You must assume that it is possible for your personal data to be obtained by others, such as “hackers,” and used in an inappropriate manner that may cause you harm and that you agree that the site is not responsible for damages to you.
Questions, Comments, or Report of Incidents
You may direct questions, comments or reports to: quotes@tripinsurancestore.com
Revisions To This Privacy Policy Without Notice
This Privacy Policy is dynamic. It will continually change. You may not assume that it remains the same and you agree to check the policy each time you visit the site for changes. Unless, in the sole opinion of the website, this policy changes so drastically as to suggest a posted notification on the site or via email, you will receive no notification of changes to this Privacy Policy nor, under any circumstances, does this site promise notification. Your continued use of this site always evidences your acceptance of the terms this Privacy Policy or any modifications.
Latest Update
This Privacy Policy was last updated on: May 3, 2023
Disputes
As part of the consideration that the Website requires of the Visitor to view, use, or interact with this site, Visitor agrees to use binding arbitration for any claim, dispute, or controversy (“CLAIM”) of any kind (whether in contract, tort or otherwise) arising out of or relating to this purchase, this product, including solicitation issues, privacy issues, and terms of use issues.
Arbitration shall be conducted pursuant to the rules of the American Arbitration Association, which are in effect on the date a dispute is submitted to the American Arbitration Association. Information about the American Arbitration Association, its rules, and its forms are available from the American Arbitration Association, 335 Madison Avenue, Floor 10, New York, New York, 10017-4605. Hearing will take place in the city or county of the Seller.
In no case shall the Visitor have the right to go to court or have a jury trial. Visitor will not have the right to engage in pre-trial discovery except as provided in the rules; you will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator’s decision will final and binding with limited rights of appeal.
The prevailing party shall be reimbursed by the other party for any and all costs associated with the dispute arbitration, including attorney fees, collection fees, investigation fees, travel expenses.
Jurisdiction and Venue
If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, Visitor agrees to that the sole and proper jurisdiction to be the state and city declared in the contact information of the web owner unless otherwise here specified. 128 Seneca Lane, Lake Winnebago, MO 64034. In the event that litigation is in a federal court, the proper court shall be the closest federal court to the Seller’s address.
Applicable Law
Visitor agrees that the applicable law to be applied shall, in all cases, be that of the state of the Website owner(s).
Cigna Global Private Health Plans to Cover You when Residing Outside Your Home Country at Least 3 Months
In addition, you will be covered for a total of 6 months in your country of Citizenship for each plan year you have Cigna.
Cigna International Medical plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. They are specifically designed expat health insurance options to meet your needs, as well as to give you the flexibility you desire. Choose your level of cover and All amounts apply per beneficiary and per period of cover (except where otherwise noted).
Click here to get Your Customized Cigna Global Health Plan quote
International Health Insurance is your essential cover for inpatient, day patient and accommodation costs, as well as cover for cancer, psychiatric care and much more. Our Gold and Platinum plans also give you cover for maternity care.
Cigna has worked in international health insurance for more than 30 years. Today, Cigna has 60 million customer relationships around the world. Looking after them is an international workforce of 30,000 people, plus a network of more than 1 million hospitals, physicians, clinics and health and wellness specialists.
Cigna’s full-time, clinical team is led by physicians. They have years of experience in dealing with varied and unique clinical and service situations worldwide. Their vast experience means they provide high standards of healthcare, regardless of where you are in the world.
Cigna’s Global Health Mission
Everything we do is around our mission to help improve your health, wellbeing and sense of security.
Cigna’s customer care promise
- You can seek help for free any hour of the day or night
- You can talk to the right person at the right time. Our customer care team will direct your call to one of our healthcare experts
- You will have instant and easy access to healthcare facilities and professionals around the world.
- You’ll be reimbursed, wherever possible, within five days of receiving your claim. On the rare occasion you have to pay for your treatment directly
- You can receive payment in over 135 currencies
Cigna Global Private Health Insurance Plans |
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| Choose your level of cover from the table below. All amounts apply per beneficiary and per period of cover (except where otherwise noted). International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs, as well as cover for cancer, mental health care and much more. Our Gold and Platinum plans also give you cover for inpatient and daypatient maternity care. Click here to get Your Customized Cigna Global Health Plan quote. | Benefits | Silver | Gold | Platinum |
| Annual beneft – maximum per beneficiary per period of cover. This includes claims paid across all sections of International Medical Insurance. |
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| Hospital charges for: Nursing and accomodation for inpatient and daypatient treatment and recovery room | Paid in full for semi-private room | Paid in full for a private room | Paid in full for a private room |
Hospital charges for:
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Paid in Full | Paid in Full | Paid in Full |
Intensive care
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Paid in Full | Paid in Full | Paid in Full |
| Surgeons’ and anaesthetists’ fees Where surgery is provided on an inpatient, daypatient or outpatient basis. |
Paid in Full | Paid in Full | Paid in Full |
| Specialists’ consultation fees Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity. |
Paid in Full | Paid in Full | Paid in Full |
| Hospital accommodation for a parent or guardian Up to the maximum amount shown per period of cover. If a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight, we will also pay for hospital accommodation for a parent or legal guardian, if:
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Paid in Full |
| Transplant services for organ, bone marrow and stem cell transplants We will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if:
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Paid in Full | Paid in Full | Paid in Full |
| Kidney dialysis Where treatment is provided on an inpatient, daypatient or outpatient basis. |
Paid in Full | Paid in Full | Paid in Full |
| Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) Where investigations are provided on an inpatient or daypatient basis. |
Paid in Full | Paid in Full | Paid in Full |
| Advanced Medical Imaging (MRI, CT and PET scans) Up to the maximum amount shown per period of cover. We will pay for these scans whether received on an inpatient, daypatient or an outpatient basis. |
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Paid in Full |
| Physiotherapy and complementary therapies Up to the maximum amount shown per period of cover. Where treatment is provided on an inpatient or daypatient basis. |
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Paid in Full |
| Home nursing Up to 30 days and the maximum amount shown per period of cover. |
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Paid in Full |
| Rehabilitation Up to 30 days and the maximum amount shown per period of cover. |
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Paid in Full |
| Hospice and palliative care Up to the maximum amount shown per lifetime. |
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Paid in Full |
| Internal prosthetic devices/surgical and medical appliances We will pay for:
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Paid in Full | Paid in Full | Paid in Full |
| External prosthetic devices/surgical and medical appliances Up to the maximum amount shown per period of cover. We will pay for:
For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices. |
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| Local ambulance and air ambulance services Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation. |
Paid in Full | Paid in Full | Paid in Full |
| Inpatient cash benefit Per night up to 30 nights per period of cover. We will make a cash payment to the beneficiary when they:
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| Emergency inpatient dental treatment Dental treatment in hospital after a serious accident. |
Paid in Full | Paid in Full | Paid in Full |
| Mental health care Up to the maximum amount shown per period of cover Subject to the limits explained below we will pay for: • the treatment of mental health conditions and disorders; and • the diagnosis of addictions (including alcoholism); |
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Paid in Full |
| Cancer care › Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests and drugs, whether the beneficiary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient. › We do not pay for genetic cancer screening. |
Paid in Full | Paid in Full | Paid in Full |
| Routine maternity benefit care (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay for the following parent and baby care and treatment, on an inpatient or daypatient basis as appropriate, if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more: • hospital, obstetricians’ and midwives’ fees for routine childbirth; and • any fees as a result of post-natal care required by the mother immediately following routine childbirth. › We will not pay for surrogacy or any related treatment. We will not pay for maternity benefit care or treatment for a beneficiary acting as a surrogate or anyone acting as a surrogate for a beneficiary. |
Not covered |
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| Complications from maternity (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay for inpatient or outpatient treatment relating to complications resulting from pregnancy or childbirth if the mother has been a beneficiary under this policy for a continuous period of at least 12 months or more. This is limited to conditions which can only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy. |
Not covered |
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| Homebirths (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay midwives’ and specialists’ fees relating to routine home births if the mother has been a beneficiary under this policy for a continuous period of 12months or more. › Please note that the Complications from maternity cover explained above does not include cover for home childbirth. This means that any costs relating to complications which arise in relation to home childbirth will only be paid in accordance with the home childbirth limits, as explained in the list of benefits. |
Not covered |
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| Newborn care Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the policy for 12 months or more. › Provided the newborn is added to the policy, we will pay for: • up to 10 days routine care for the baby following birth; and • all treatment required for the baby during the first 90 days after birth instead of any other benefit; if at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth. |
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| Congenital conditions Up to the maximum amount shown per period of cover. › We will pay for treatment of congenital conditions on an inpatient or daypatient basis which manifest themselves before the beneficiary’s 18th birthday if: • at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth and the newborn is added to the policy within 30 days of the birth. • they were not evident at policy inception. |
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| Deductible (various) A deductible is the amount which you must pay before any claims are covered by your plan. |
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| Cost share after deductible and out of pocket maximum Cost share is the percentage of each claim not covered by your plan.The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum. |
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Add Optional Benefits
Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.
Click here to get Your Customized Cigna Global Health Plan quote
312 SW Greenwich Drive, #188, Lee's Summit, MO 64082 USA We have multiple phone lines so you will probably reach Deanna, Kim or Steve live. If you get our voicemail, leave a message - we return all missed calls promptly. Contact Us | Privacy Policy | Legal and Licensing Copyright © 2023, ExpatriateTripInsurance.com, a part of TripInsuranceStore.com, Inc.. |
 Since Jan. 2005 |
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