Review of CitizenSecure from Travel Insured International

Editor Review

The Good: This is good international major medical coverage that is reasonably priced and protects individuals and families when they need health care outside the U.S. or their home country (where government-sponsored plans may provide care). It provides coverage for emergency illnesses and injuries, wellness care, maternity care (after 12 months of continuous coverage), and all expected benefits of major medical.

The Drawbacks: Plan does not cover those older than 74 (although senior citizens can purchase a senior version of this plan with reduced limits). U.S. citizens must reside outside the U.S. for at least six months of each certificate period.

The Bottom Line: This is comprehensive international major medical insurance for U.S. and non U.S. citizens who travel or reside worldwide. It provides good long-term coverage that includes all the benefits expected of a major medical plan with high coverage limits and excellent family friendly coverage.

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 deductibles)
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).
Fully disclosed pre-existing conditions are treated as any other illness.
Plan rates are the same for all persons of the same plan origination year, age, and gender.
Maximum of 3 deductibles per family per certificate period.
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 (choose from 2 principal sums).
Optional dental rider for preventative and major dental care.
Optional sports rider for extreme and contact sports available.

Limitations

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

No emergency dental or flight accident coverage is available in the base plan.
Well care and maternity care are not available until after 12 months of continuous coverage.
Pre-certification is required for many medical treatments.
Optional term life is not available to residents of the U.S.
Insured U.S. citizens must reside outside the U.S. continuously for at least 6 months of each coverage period.
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.