Review of CitizenSecure Economy from Travel Insured International

Editor Review

The Good: This is a major medical plan available to healthy citizens of most countries who are at least 14 days old and not older than 74 (although senior citizens can purchase a senior version of this plan). This plan provides international major medical coverage for those who travel or reside worldwide and need affordable essential medical coverage.

The Drawbacks: U.S. citizens must reside outside the U.S. for at least 6 months out of each certificate period. Pre-existing medical conditions must be fully disclosed and are covered at reduced plan limits.

The Bottom Line: This plan provides for health and wellness care as well as emergency evacuations and repatriation when the insured is traveling or residing outside their home country. Coverage is available for entire families and includes worldwide travel and medical assistance services.

Quote and buy direct: Get a quote directly at the Travel Insured website. A good choice if you know you want a Travel Insured plan and are ready to enroll.

Coverage

Benefits	Maximum
Medical expenses	$5,000,000 (choice of deductible)
Emergency evacuations	$50,000
Repatriation	$25,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

This plan is annually renewable and requires no medical questions at renewal (with continued payment of premiums).
Plan rates are the same for all persons of the same plan origination year, age, and gender.
Medical care is covered by a preferred provider network (PPO) and payments are typically made directly to the provider.
Purchase the coverage before age 65 and maintain coverage for 10 years and you are automatically eligible for the senior plan – no medical questions.
Travel assistance services include pre-trip destination information, provider referrals, travel document replacement, lost luggage assistance, and more.

Optional Coverage

The following optional coverage is available when you purchase this plan:

Optional term life (for non U.S. citizens only) and AD&D coverage (choose from 2 principal sum options).
Optional sports rider for participation in amateur sports add up to $25,000 lifetime maximum.
Optional dental rider for preventative dental care.

Limitations

The following are the limitations on this plan’s coverage:

No emergency dental or flight accident coverage included in base plan.
Pre-certification is required for many medical treatments.
Insured U.S. citizens must reside outside the U.S. continuously for at least 6 months of each coverage period.
Pre-certification is required for many medical treatments.
Well care and maternity care are not available until after 12 months of continuous coverage.
Maternity has a $5,000 limit per pregnancy, and newborn care is limited to $15,000 per covered pregnancy.
Fully disclosed pre-existing conditions are covered at highly reduced limits.
No coverage for terrorist attacks, riots, insurrection or war.

Related Travel Insured International Plans

Quote and buy direct: Get a quote directly at the Travel Insured website. A good choice if you know you want a Travel Insured plan and are ready to enroll.