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Coinsurance (claims in US or Canada)

Research Coverage - Coinsurance (claims in US or Canada)
The table below shows you which travel insurance company and plan provides you with the most comprehensive coverage for the Coinsurance (claims in US or Canada) coverage element. The table is organized by product and ordered by amount of benefit provided, coupled with our internal rating system that compares all plans within each product.

Plan providing the most comprehensive coverage are rated 10 - Rating 10 and are listed at the top of each section. Plans with the least amount of coverage are rated 01 - Rating 01. Plans providing no coverage are rated 0 - Rating 00. The rating applies to the Coinsurance (claims in US or Canada) coverage element and not the plan as a whole. If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name.

To select another Coverage, select it from the menu on the left of the screen. The coverage will change to the one selected by you. Remember, you are only 6 quick questions away from an instant quote and getting prices from all the major travel insurance providers.


Coinsurance (claims in US or Canada)
Coinsurance is the portion of the claim that you will share with the insurance company. This effects only the claim incurred in United States or Canada.

Total Travel Protection (Per Trip) - provides the most coverage for all aspects of your trip - best overall coverage for all types of travel
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
1Travel GuardCruise, Tour & TravelNonecoverage rating 10view plan details 
2Travel GuardProtect Assist - Umbrella PackageNonecoverage rating 10view plan details 
Cancel for Any Reason (Per Trip) - provides provision that allows you to cancel your trip for any reason
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
3TravelSafePremier Insurance - Cancel for Any ReasonNonecoverage rating 10view plan details 
4TravelSafeVacation Insurance - Cancel for Any ReasonNonecoverage rating 10view plan details 
5Global AlertGlobal Alert - Cancel for Any ReasonNonecoverage rating 10view plan details 
6Travel GuardCruise, Tour & Travel - Cancel for Any ReasonNonecoverage rating 10view plan details 
Comprehensive Travel Protection (Per Trip) - provides comprehensive coverage for all aspects of your trip - best overall coverage for all types of travel
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
7TravelSafeElements - FamilyNonecoverage rating 10view plan details 
8TravelSafeElements - IndividualNonecoverage rating 10view plan details 
9TravelSafeVacation InsuranceNonecoverage rating 10view plan details 
10i Travel InsuredPatriot T.R.I.P.Nonecoverage rating 10view plan details 
11i Travel InsuredPatriot T.R.I.P. EliteNonecoverage rating 10view plan details 
12HTHTripProtector PreferredNonecoverage rating 10view plan details 
13HTHTripProtectorNonecoverage rating 10view plan details 
14Travel GuardProtect AssistNonecoverage rating 10view plan details 
15Travel InsuredWorldwide Trip Protector Gold T-6010Nonecoverage rating 10view plan details 
16Travel GuardTG Essential Expanded - Umbrella PackageNonecoverage rating 10view plan details 
17Travel InsuredWorldwide Trip Protector T-6000Nonecoverage rating 10view plan details 
18Travel GuardTG Essential ExpandedNonecoverage rating 10view plan details 
19Travel InsuredTrip Protector Lite ExpandedNonecoverage rating 10view plan details 
20Travel GuardTG EssentialNonecoverage rating 10view plan details 
21Travel InsuredTrip Protector LiteNonecoverage rating 10view plan details 
22Travel GuardStudentGuardNonecoverage rating 10view plan details 
23i Travel InsuredPatriot Student T.R.I.P.Nonecoverage rating 10view plan details 
24Seven CornersRound TripNonecoverage rating 10view plan details 
Comprehensive Travel Protection (Multi-trip) - intended for frequent travelers - provide most coverage for multiple trips
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
25Travel GuardTravelRite Annual Platinum ($1,000 trip cancellation)Nonecoverage rating 10view plan details 
Cheap Travel Protection - for US citizens (Per Trip) - provides economy travel insurance for US citizens while traveling abroad - ideal for students and budget travelers - compare to Comprehensive Travel Protection before buying
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
26Travel GuardPack 'N GoNonecoverage rating 10view plan details 
Airline Ticket Protection (Per Trip) - single trip - ticket protector for non-refundable airline ticket purchase
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
27Travel InsuredAirline Ticket ProtectorNonecoverage rating 10view plan details 
28Travel GuardAir Ticket ProtectorNonecoverage rating 10view plan details 
Flight Accident - Accidental Death (Per Trip) - provides accidental death and dismemberment (AD&D) coverage for flights only
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
29Travel GuardFlight Guard (flight accident - $500,000)Nonecoverage rating 10view plan details 
30Travel GuardFlight Guard (flight accident - $400,000)Nonecoverage rating 10view plan details 
31Travel GuardFlight Guard (flight accident - $300,000)Nonecoverage rating 10view plan details 
32Travel GuardFlight Guard (flight accident - $200,000)Nonecoverage rating 10view plan details 
33Travel GuardFlight Guard (flight accident - $100,000)Nonecoverage rating 10view plan details 
Rental Car Insurance (Per Trip) - provides collision damage protection on your car rental (rental car insurance)
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
34Travel GuardCollision Damage Waiver (cdw - $35,000)Nonecoverage rating 10view plan details 
International Major Medical Insurance (Long-term) - provides long-term medical insurance for US residents (not citizens) while living or working outside their home country
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
35HCCInternational Citizen Platinum - US residents (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
36Intl Medical GroupGlobal Medical Insurance - US residents (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
International Major Medical Insurance (Long-term) - provides long-term medical insurance for international citizens while traveling outside their home country
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
37HCCInternational Citizen Platinum - International (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
38Intl Medical GroupGlobal Medical Insurance - International (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US citizens while traveling outside of United States
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
39HCCAtlas International - US citizens (medical max - $1 Million)No Coverage in US
In Canada, after deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
Coinsurance waived if expenses incurred in PPO
coverage rating 10view plan details 
40HCCAtlas International - US citizens (medical max - $500,000)No Coverage in US
In Canada, after deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
Coinsurance waived if expenses incurred in PPO
coverage rating 10view plan details 
41HCCAtlas International - US citizens (medical max - $250,000)No Coverage in US
In Canada, after deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
Coinsurance waived if expenses incurred in PPO
coverage rating 10view plan details 
42HCCAtlas International - US citizens (medical max - $100,000)No Coverage in US
In Canada, after deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
Coinsurance waived if expenses incurred in PPO
coverage rating 10view plan details 
43HCCAtlas International - US citizens (medical max - $50,000)No Coverage in US
In Canada, after deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
Coinsurance waived if expenses incurred in PPO
coverage rating 10view plan details 
44HCCAtlas International - US citizens (medical max - $10,000)No Coverage in US
In Canada, after deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
Coinsurance waived if expenses incurred in PPO
coverage rating 10view plan details 
International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US residents (not citizens) while traveling outside of United States
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
45Seven CornersLiaison International - US residents (medical max - $1 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
46Seven CornersLiaison International - US residents (medical max - $500,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
47Seven CornersLiaison International - US residents (medical max - $100,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
48Seven CornersLiaison International - US residents (medical max - $50,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
49Seven CornersLiaison International - US residents (medical max - $15,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for non-US citizens while traveling outside their home country
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
50HCCAtlas America - International (medical max - $1 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
51HCCAtlas America - International (medical max - $500,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
52HCCAtlas America - International (medical max - $250,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
53HCCAtlas America - International (medical max - $100,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
54HCCAtlas America - International (medical max - $50,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
55HCCAtlas America - International (medical max - $10,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
56Intl Medical GroupPatriot America - International (medical max - $1 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
57Intl Medical GroupPatriot America - International (medical max - $500,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
58Intl Medical GroupPatriot America - International (medical max - $100,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
59Intl Medical GroupPatriot America - International (medical max - $50,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
60Seven CornersLiaison International - International (medical max - $1 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
61Seven CornersLiaison International - International (medical max - $500,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
62Seven CornersLiaison International - International (medical max - $100,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
63Seven CornersLiaison International - International (medical max - $50,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
64Seven CornersLiaison International - International (medical max - $15,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
65Global UnderwritersDiplomat America (medical max - $500,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
66Global UnderwritersDiplomat America (medical max - $250,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
67Global UnderwritersDiplomat America (medical max - $100,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
68Global UnderwritersDiplomat America (medical max - $50,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
69Global UnderwritersDiplomat LT - Non-US (medical max - $1 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
70Global UnderwritersDiplomat LT - Non-US (medical max - $500,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
71Seven CornersInbound Immigrant (medical max - $100,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
72Seven CornersInbound Immigrant (medical max - $50,000)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
Worldwide Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US/Canadian citizens while traveling domestically and abroad
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
73Travel GuardCruise, Tour & TravelNonecoverage rating 10view plan details 
74i Travel InsuredPatriot T.R.I.P.Nonecoverage rating 10view plan details 
75i Travel InsuredPatriot T.R.I.P. Elite - InternationalNonecoverage rating 10view plan details 
76Travel GuardProtect Assist - Umbrella PackageNonecoverage rating 10view plan details 
Worldwide Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US/Canadian residents while traveling domestically and abroad
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
77Travel GuardCruise, Tour & TravelNonecoverage rating 10view plan details 
78i Travel InsuredPatriot T.R.I.P.Nonecoverage rating 10view plan details 
79i Travel InsuredPatriot T.R.I.P. Elite - AmericaNonecoverage rating 10view plan details 
80Travel GuardProtect Assist - Umbrella PackageNonecoverage rating 10view plan details 
International Travel Medical Insurance (Multi-trip) - intended for frequent travelers - provides long term emergency medical coverage for multiple trips
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
81Travel GuardTravelRite Annual PlatinumNonecoverage rating 10view plan details 
82Travel GuardTravelRite Annual GoldNonecoverage rating 10view plan details 
83Travel GuardTravelRite Annual SilverNonecoverage rating 10view plan details 
84HTHTravelGap Multi-Trip GoldAfter deductible, 100% up to the Overall Maximum Limitcoverage rating 08view plan details 
85HTHTravelGap Multi-Trip SilverAfter deductible, 100% up to the Overall Maximum Limitcoverage rating 08view plan details 
International Student Health Insurance (Long-term) - provides comprehensive student health insurance for US residents (not citizens) while studying outside their home country
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
86HCCStudentSecure Select - US residents (medical max - $300,000)After Deductible,
80% of the next $5,000,
then 100% to Certificate Period Maximum
(For charges incurred within the PPO
or at a Student Health Center,
coinsurance will be waived)
coverage rating 00view plan details 
87HCCStudentSecure Budget - US residents (medical max - $250,000)After Deductible,
80% of the next $5,000,
then 100% to Certificate Period Maximum
(For charges incurred within the PPO
or at a Student Health Center,
coinsurance will be waived)
coverage rating 00view plan details 
International Student Health Insurance (Long-term) - provides comprehensive student health insurance for non-US citizens while studying outside their home country
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
88HCCStudentSecure Select - International (medical max - $300,000)After Deductible,
80% of the next $5,000,
then 100% to Certificate Period Maximum
(For charges incurred within the PPO
or at a Student Health Center,
coinsurance will be waived)
coverage rating 10view plan details 
89HCCStudentSecure Budget - International (medical max - $250,000)After Deductible,
80% of the next $10,000,
then 100% to Certificate Period Maximum
coverage rating 08view plan details 
Worldwide Travel Medical Insurance (Long-term) - provides comprehensive student health insurance for US citizens and residents while studying in US
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
90Assurant HealthStudent Select (Residents of select US states)After deductible, 80/20 up to $10,000 then 100%coverage rating 10view plan details 
91Assurant HealthStudent Select (Residents of Florida)After deductible, 80/20 up to $10,000 then 100%coverage rating 10view plan details 
92Assurant HealthStudent Select (Residents of Mississippi)After deductible, 80/20 up to $10,000 then 100%coverage rating 10view plan details 
93Assurant HealthStudent Select (Residents of Utah)After deductible, 80/20 up to $10,000 then 100%coverage rating 10view plan details 
Emergency Evacuation (Per Trip) - provides medical evacuation for your next trip
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
94Travel GuardMedEvac Per TripNonecoverage rating 10view plan details 
95Medjet AssistShort-Term MembershipNonecoverage rating 10view plan details 
96Global RescuePer Trip Global RescueNonecoverage rating 10view plan details 
97Global RescuePer Trip Student Global RescueNonecoverage rating 10view plan details 
98Seven CornersLiaison TravelerNonecoverage rating 10view plan details 
99Seven CornersLiaison Traveler with Pers Liab (with $100,000 Personal Liability)Nonecoverage rating 10view plan details 
Emergency Evacuation (Multi-trip) - medical evacuation coverage for multiple trips over a period of one year - ideal for frequent travelers
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
100Medjet AssistStandard MembershipNonecoverage rating 10view plan details 
Emergency Evacuation (Annual) - medical evacuation coverage for entire year - ideal for expatriates and people working outside of their home country
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
101Travel GuardMedEvac AnnualNonecoverage rating 10view plan details 
102Medjet AssistExtended Stay MembershipNonecoverage rating 10view plan details 
103Global RescueAnnual Global RescueNonecoverage rating 10view plan details 
104Global RescueAnnual Student Global RescueNonecoverage rating 10view plan details 
Scheduled Major Medical (Long-term) - provides comprehensive health insurance for US citizens while traveling abroad (outside US) - coverage is limited to a schedule
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
105HCCInternational Citizen Economy - US citizens (lifetime max - $5 Million)No Coverage in US, in Canada, after deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
(Coinsurance will be waived if expenses are incurred within the PPO)
coverage rating 10view plan details 
Scheduled Major Medical (Long-term) - provides comprehensive health insurance for US residents (not citizens) while traveling outside their home country - coverage is limited to a schedule
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
106HCCInternational Citizen Economy - US residents (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
(Coinsurance will be waived if expenses are incurred within the PPO)
coverage rating 10view plan details 
107Intl Medical GroupGlobal Basic Insurance - US residents (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
Scheduled Major Medical (Long-term) - provides comprehensive health insurance for non-US citizens while traveling outside their home country - coverage is limited to a schedule
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
108HCCInternational Citizen Economy - International (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
(Coinsurance will be waived if expenses are incurred within the PPO)
coverage rating 10view plan details 
109Intl Medical GroupGlobal Basic Insurance - International (lifetime max - $5 Million)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
110Intl Medical GroupGlobal Basic Insurance - International (lifetime max - $5 Million - excl. US/Canada)After deductible, 80% up to $5,000
Then 100% to the Overall Maximum Limit
coverage rating 10view plan details 
Scheduled Travel Accident (Long-term) - provides travel health insurance for US residents (not citizens) while traveling outside their home country - coverage is limited to a schedule
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
111Intl Medical GroupVisitors Care - US residents (medical max - $100,000)Nonecoverage rating 10view plan details 
112Intl Medical GroupVisitors Care - US residents (medical max - $50,000)Nonecoverage rating 10view plan details 
113Intl Medical GroupVisitors Care - US residents (medical max - $25,000)Nonecoverage rating 10view plan details 
114Intl Medical GroupVisitors Care - US residents (medical max - $10,000)Nonecoverage rating 10view plan details 
Scheduled Travel Accident (Long-term) - provides travel health insurance for non-US citizens while traveling outside their home country - coverage is limited to a schedule
#CompanyPlan NameBenefitRatingPlan DetailsPlan Cost 
115Intl Medical GroupVisitors Care - International (medical max - $100,000)Nonecoverage rating 10view plan details 
116Intl Medical GroupVisitors Care - International (medical max - $50,000)Nonecoverage rating 10view plan details 
117Intl Medical GroupVisitors Care - International (medical max - $25,000)Nonecoverage rating 10view plan details 
118Intl Medical GroupVisitors Care - International (medical max - $10,000)Nonecoverage rating 10view plan details 
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