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 74

GeoBlue has two Expat Worldwide Medical Coverage plans for US Citizens and Residents:
The Xplorer Essential and Premier

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.
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:

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

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

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.

  1. Copay waived when visiting a GeoBlue contracted provider outside the U.S.
  2. 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 Medical

Individual and Family Short-term coverage available from five days up to two years.

Highlights

  • Travel medical insurance for individuals and families
  • Worldwide coverage excluding the Insured Person’s Country of Residence and the United States
  • Coverage for medical expenses, evacuation, and repatriation
  • Renewable up to 24 months
  • Maximum limits:
    • Through age 64: $1,000,000
    • Ages 64 to 69: $100,000
    • Ages 70 to 79: $50,000
    • Ages 80 and older: $10,000
  • No Pre-existing medical conditions coverage except for acute onset of pre-existing conditions for up to age 69
View or Download the Patriot Lite Certificate of Coverage | Get Individual and Family Quotes

Patriot Platinum Travel Medical

Individual & family – First-class short-term coverage available from five days up to three years.

Highlights

  • COVID-19 coverage for travelers to the U.S.
  • Worldwide coverage excluding the Insured Person’s Country of Residence
  • Travel medical insurance for individuals and families
  • Renewable up to 36 months
  • Maximum limits:
    • Through age 64: $8,000,000
    • Ages 64 to 69: $2,000,000
    • Ages 70 to 79: $100,000
    • Ages 80 and older: $20,000
  • No Pre-existing medical conditions coverage except for acute onset of pre-existing conditions for up to age 69
View or Download the Patriot Platinum Certificate of Coverage | Get Individual and Family Quotes

Patriot America® Plus

Short-term travel medical insurance for non-U.S. individuals, families, and groups from 5 days to 2 years

Highlights

  • COVID-19 coverage for travelers to the U.S.
  • Coverage for non-U.S. residents traveling to the USA
  • No Pre-existing medical conditions coverage except for acute onset of pre-existing conditions for up to age 69
  • Renewable up to 24 months
  • Maximum Limits from $10,000 to $1,000,000

The Legal Stuff (Legalese)

Trademark and Copyright Ownership

The materials on this site, including copyrighted material, service marks, trademarks, trade names and logos, are owned by TripInsuranceStore.com, Inc. or the insurance providers we represent.

TripInsuranceStore.com is a registered Trade Mark in the USA: U.S. Trademark Reg. No. 2,914,010 and is recognized through the mark “TripInsuranceStore.com” as a source of trip and travel related insurance.
The Travel Insurance Expert® is a registered Copyright in the USA
Your Travel Insurance Expert® is a registered Copyright in the USA

You can freely copy, reproduce, transmit or republish any materials from TripInsuranceStore.com as often and as freely as you wish without any further permission from us as long as you clearly identify TripInsuranceStore.com as the source and hyperlink back to TripInsuranceStore.com.

If you download, print or transmit a copy of our materials, you must not remove any references to TripInsuranceStore.com, the copyright, trademark or other legal notices from the copy you make.

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)

The information and materials contained in this site are provided on an “as is” basis for information purposes only. TripInsuranceStore.com, Inc. and TripInsuranceStore.com do not warrant the accuracy, adequacy or completeness of the information and materials contained in this site and expressly disclaim liability for any errors or omissions in the information and materials. No warranty of any kind either implied, expressed or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus is given with the information and materials contained in this site.

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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“Client” means one that depends on the protection of another, one who leans on another for protection – we will protect you from getting the wrong policy.

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TripInsuranceStore.com’s Client Service

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ExpatriateTripInsurance.com’s Committed To Your Privacy

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

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.
  • $1,000,000
  • €800,000
  • £650,000
  • $2,000,000
  • €1,600,000
  • £1,300,000
  • Unlimited
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:

  • Operating theatre.
  • Prescribed medicines, drugs and dressings for inpatient or daypatient treatment.
  • Treatment room fees for outpatient surgery.
Paid in Full Paid in Full Paid in Full
Intensive care

  • Intensive therapy.
  • Coronary care.
  • High dependency unit.
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:

  • accommodation is available in the same hospital; and
  • the cost is reasonable.
  • $1,000
  • €740
  • £665
  • $1,000
  • €740
  • £665
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:

  • the transplant is medically necessary, and the organ to be transplanted has been donated by a member of the beneficiary’s family or comes from a varified or legitimate source.
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.
  • $5,000
  • €3,700
  • £3,325
  • $10,000
  • €7,400
  • £6,650
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.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Home nursing
Up to 30 days and the maximum amount shown per period of cover.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Rehabilitation
Up to 30 days and the maximum amount shown per period of cover.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Hospice and palliative care
Up to the maximum amount shown per lifetime.
  • $2,500
  • €1,850
  • £1,650
  • $5,000
  • €3,700
  • £3,325
Paid in Full
Internal prosthetic devices/surgical and medical appliances
We will pay for:

  • a prosthetic implant, device or appliance which is inserted during surgery.
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:

  • a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity.
  • a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis.

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.

  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)
  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)
  • $3,100 (for each prosthetic device)
  • €2,400 (for each prosthetic device)
  • £2,000 (for each prosthetic device)
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:

  • receive treatment in hospital which is covered under this plan;
  • stay in a hospital overnight; and
  • have not been charged for their room, board and treatment costs.
  • $100
  • €75
  • £65
  • $100
  • €75
  • £65
  • $200
  • €150
  • £130
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);
  • $5,000
  • €3,700
  • £3,325
  • $10,000
  • €7,400
  • £6,650
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
  • $7,000
  • €5,500
  • £4,500
  • $14,000
  • €11,000
  • £9,000
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
  • $14,000
  • €11,000
  • £9,000
  • $28,000
  • €22,000
  • £18,000
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
  • $500
  • €370
  • £335
  • $1,100
  • €850
  • £700
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.
  • $25,000
  • €18,500
  • £16,500
  • $75,000
  • €55,500
  • £48,000
  • $156,000
  • €122,000
  • £100,000
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.
  • $5,000
  • €3,700
  • £3,325
  • $20,000
  • €14,800
  • £13,300
  • $39,000
  • €30,500
  • £25,000
Deductible (various)
A deductible is the amount which you must pay before any claims are covered by your plan.
  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
  • $0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000
  • €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400
  • £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
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.
  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325
  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325
  • First, choose your cost share percentage: 0% / 10% / 20% / 30%
  • Next, choose your out of pocket maximum:
  • $2,000 or $5,000
  • €1,480 or €3,700
  • £1,330 or £3,325

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

Office hours: (Central Time)

Monday - Friday 7:30 am - 5 pm, Saturday 11 am - 3 pm, Sunday 1 - 3 pm
1-888-407-3854 or 1-816-282-6858

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.

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