WyCo Travel Insurance Options

Recommended Travel Medical Insurance, Emergency Evacuation and Repatriation plans for WyCo participants.

The question we hear most often is «Do I really need to buy travel insurance?». The short answer is yes. Most likely your health insurance plan here at home will not cover you abroad. The best travel insurance plans, like the plans below, will offer an international network of doctors, emergency assistance services and translators who will help you during a crisis.

How to Choose a Plan

Оформление страхового полиса для поездки в Европу

For WyCo travelers, following these 3 steps will help you understand the features and benefits of a specific plan, get you a quote, and allow you to purchase the plan in one short sitting. If you find you are having difficulty choosing a plan or want to consult with an agent, please feel free to request a quote and we’ll get back to you ASAP.

  • Review and compare the recommended travel insurance providers and policies below.
  • Choose a policy that suits your needs and offers adequate coverage.
  • Generate a quote by clicking the «Free Quote / Apply» link at the bottom of the page.
  • Plan Name IMG Patriot Travel HCC Atlas Travel Seven Corners Liaison Travel
    Illness and Emergency Medical Maximums of $50,000 up to $2,000,000 Maximums of $50,000 up to $1,000,000 Maximums of $60,000 up to $5,000,000
    Emergency Medical Evacuation Up to $500,000 lifetime maximum Up to $1,000,000 lifetime maximum $1,000,000 per Certificate Period2
    Political Evacuation $10,000 lifetime maximum $10,000 lifetime maximum $100,000 per Certificate Period2
    Emergency Reunion Yes – Up to $50,000 $50,000 limit per Certificate Period $100,000 per Certificate Period2
    Repatriation/Return of Mortal Remains Yes – Up to $50,000 Overall maximum limit (no deductible or coinsurance) $100,000 per Certificate Period2
    Pre-Existing Conditions Sudden and unexpected recurrence of a pre-existing condition (limited elgibility) Sudden and unexpected recurrence of a pre-existing condition (available to those younger than 70) Sudden and unexpected recurrence of a pre-existing condition (for U.S. citizens only)
    Coinsurance No coinsurance outside of U.S.; Inside of U.S. – after deductible, 10% of first $5,000 if expenses incurred within PPO No coinsurance outside of U.S.; Inside of U.S. – after deductible, coinsurance waived if expenses incurred within PPO Outside of U.S.: No coinsurance; Inside of U.S.: After deductible, 20% of first $5,000 if expenses incurred within PPO
    Medical Deductible (per Certificate Period) You choose $0, $100, $250, $500, $1,000 or $2,500 You choose $0, $100, $250, $500, $1,000 or $2,500 You choose $0; $100; $250; $500; $1,000; $2,500; $5,000
    Home Country Coverage Yes – up to 2 weeks Yes – Up to 15 days. Yes – 5 covered days per 30 days of purchased coverage.
    Loss of Baggage / Personal Items Yes, max of $250 Yes $250/occurrence
    Accidental Death (AD&D) Yes – $25,000 principal sum benefit $50,000 per person; Optional buy-up of $50,000 to lifetime max. $100,000 $25,000 insured and spouse; $5,000 per child
    Trip Cancellation Not Available Not Available Not Available
    Trip Interruption Yes – Up to $5,000 $5,000 limit per Certificate Period Up to $10,000 per Certificate Period
    Coverage for Sports Recreational sports and activities (Adventure Sports add-on available) Recreational sports and activities (including mountaineering up to 4,500 meters) Recreational sports and activities (Hazardous Sports add-on available)
    Personal Liability Not Available $10,000 included; Optional buy-up of $90,000 to lifetime max. $100,000 $100,000 included
    Money Back Guarantee Yes (prior to effective date) Yes (prior to effective date) Yes (prior to effective date)
    Emergency Assistance 24/7 highly qualified, multi-lingual service 24/7 worldwide travel and medical assistance 24/7 worldwide travel and medical assistance
    Administrator International Medical Group HCC Medical Insurance Services Seven Corners
    Underwriter Sirius International Lloyds of London Certain Underwriters at Lloyd’s, London
    Rating A (A.M. Best) A+ (A.M. Best) A (A.M. Best)
    Coverage Area Worldwide Worldwide Worldwide
    Eligibility All nationalities traveling abroad3 All nationalities traveling abroad1 All nationalities traveling abroad
    Length of Trip 5 days to 12 months and renewable up to 2 years U.S. Citizens: up to 364 days; Non-U.S. citizens up to 365 days 5 days to 12 months and renewable up to 3 years
    ACA-compliant5 No No No
    Estimated Monthly Cost4 $42.50 $47.70 $55.12
    Learn More View Plan Get Quote View Plan Get Quote View Plan Get Quote
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    1. The Atlas plan is not available to residents in the states of Florida, Maryland, New York, Utah, or Washington; or in the countries of Canada or Australia.
    2. These benefits must be approved and arranged by Seven Corners Assist.
    3. The Patriot plan is not available to residents in the state of Maryland.
    4. Assumes $100,000 in coverage ($125,000 for Liaison Travel) for a 30-year-old U.S. citizen with a $0 deductible. Lower your premium cost by choosing a deductible. Plan cost is due upfront–plans purchased for 30 days or longer can be renewed/extended for up to 1 year allowing you to break up your payments.
    5. International insurance is not subject to and does not provide certain insurance benefits required by the U.S. Affordable Care Act (ACA). ACA requires certain U.S. residents and citizens to obtain PPACA compliant insurance coverage. In certain circumstances, penalties may be imposed on U.S. residents and citizens who do not maintain ACA compliant insurance coverage. Read more: ACA (Obamacare) and International Health Plans

    Let us know if you need assistance in comparing and reviewing Travel Medical Plans. If you want more comprehensive medical insurance, review our Annual Global Medical plans. If you are interested in Trip Cancellation, compare trip insurance plans at your convenience. Please feel free to contact us anytime.

    This page contains a summary description of plan benefits, conditions, limitations, and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions, and exclusions will be included in the fulfillment kit. Review your plan policy and certificate before and after you have applied. You may cancel your plan during the «look back» period if the policy does not meet your needs.