Review of Group Secure from Travel Insured International

Editor Review

The Good: A flexible, employer-sponsored, major medical coverage plan for employers with three or more international employees. In the race for global talent, this plan offers group rates, monthly payment options, and life insurance for U.S. and non U.S. organizations with employees overseas. The plan also includes comprehensive assistance services.

The Drawbacks: Coinsurance applies to medical care inside the U.S.

The Bottom Line: An international major medical plan for three or more employees working abroad. This is family-friendly coverage that extends to dependents and provides maternity and newborn care, dental options, and prescription benefits depending on the options selected by the employer.

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	$1,000,000 or $5,000,000
Emergency dental	Up to plan limit
Emergency evacuations	$50,000
Repatriation	$25,000
24/7 assistance services	Yes

Plan Details

This plan is unique in that it provides the following:

Family deductible is limited to three times the individual, keeping out-of-pocket costs low.
Inside the U.S., choose a provider from the Preferred Provider Organization, or PPO, to save additional out-of-pocket expenses.
Choose the deductible from a number of options: $150, $250m $500, $1,000, $2,500, or $5,000.
Maternity and newborn care (including $500 for midwife services) is covered as any other illness after 10 continuous months of coverage.
Preventative care is available (after 12 months coverage) and is not subject to the deductible (limits apply).
Hospital indemnity up to $100 per night is included.
Mental health disorders are covered (after 12 months of coverage) up to $25,000 (lifetime maximum).
Emergency reunion is covered up to $15,000 if the insured is hospitalized.
Vision is included (after 12 months of coverage) for routine eye exams, corrective lenses, and more (limits apply).
Term life and AD&D is automatically included for groups of 10 or fewer employees. For larger groups, term life coverage is optional.
Outpatient prescription drug card is issued for each covered person and the employer can choose from three options for prescription benefits.
Dental benefits are also offered in three benefit levels and may include preventative and diagnostic, major dental, and orthodontia.
Plan comes with assistance services that include pre-trip health advisories, emergency travel services, lost luggage tracking, emergency cash transfers and more.
Employees can access plan information by visiting an online service for account management and resources like pre-certification, ID cards, locating providers and more.

Limitations

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

Plan includes coinsurance (plan pays 80%) for out-of-network medical care inside the U.S. up to the first $5,000.

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.