Forms Library

Highlights and Benefits*

• Guaranteed Issue
• 100% U & C after the Deductible
• NO Co-insurance
• Few Internal Benefit Maximums
• $25,000 Accidental Death
• Up to $500 for Outpatient Meds
• Optional Hazardous Sports Rider
• Up to $1,000,000 (age 69), $250,000 (ages 70-74), $100,000 (ages 75-79), $50,000 (ages 80-84)
• Coverage from 1 to 12 months. Rewrites available!
• Child Alone Applications = OK!
• For US Citizens or US Residents!
• Deductible options $100 to $5,000!
• Plus more!

State and Country Restrictions*

This plan is available in all states, except: AK, CO, DE, IA, KY, MD, ME, MS, MT, NE, NY, RI, SC, SD, AND TN. Coverage can be issued to any address outside of these states. Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Brochure, Rates, App, and Highlight Flyer

Brochure

Highlight Flyer

Plan Underwriter*

The Accident Only Major Medical Plan is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

*Questions about what you see here? Please download the plan application for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

Only non-US citizens who are at least 14 days of age are eligible for coverage inside of the US, under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $100,000 Overall Maximum or less. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum. COVID-19/SARS-CoV-2 ARE Covered!

Highlights and Benefits*

• • Guaranteed issue!—no health questions!
  • Covers COVID-19/SARS-Cov-2
  • Coverage from 5 to 364 days.
  • No Age Limits
  • Competitive Rates
  • Choice of 6 Medical Maximums up to $2,000,000
  • In & Out of Hospital Benefits
  • Choice of 7 Deductibles (NO deductible option)
  • 100% Coverage after your deductible up to the policy maximum
  • NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Accidental Death ($25,000)
  • Purchase on-line application & print ID card
  • Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Download Materials

NOTE: Atlas America is for clients traveling to or within the United States; Atlas International is for clients traveling outside of the US. Information for both plans are within the same brochure.

• Brochure

Appointed? You must be appointed with WorldTrips to sell this product. If you’re not yet appointed, please contact a Broker Advisor.

*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

Groups of US citizens or foreign nationals who are at least 14 days old and are traveling outside their home country are eligible under Atlas Group Travel. Now covers COVID-19/SARS-Cov-2!

Highlights and Benefits*

• Guaranteed issue!—no health questions!
• Covers COVID-19/SARS-Cov-2
• Coverage from 5 to 364 days.
• No Age Limits
• Competitive Rates
• Choice of 6 Medical Maximums up to $2,000,000
• In & Out of Hospital Benefits
• Choice of 7 Deductibles (NO deductible option)
• 100% Coverage after your deductible up to the policy maximum
• NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
• Emergency Medical Evacuation
• Repatriation of Mortal Remains
• Accidental Death ($25,000)
• Purchase on-line application & print ID card
• Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Download Materials

• Brochures

Appointed? You must be appointed with Worldtrips to sell this product. If you’re not yet appointed, please contact a Broker Advisor.

*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

US and non-US citizens who are at least 14 days of age are eligible for coverage outside of their Home Country, under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $100,000 Overall Maximum or less. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum. COVID-19/SARS-CoV-2 ARE Covered!

Highlights and Benefits*

• • Guaranteed issue!—no health questions!
  • Covers COVID-19/SARS-Cov-2
  • Coverage from 5 to 364 days.
  • No Age Limits
  • Competitive Rates
  • Choice of 6 Medical Maximums up to $2,000,000
  • In & Out of Hospital Benefits
  • Choice of 7 Deductibles (NO deductible option)
  • 100% Coverage after your deductible up to the policy maximum
  • NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
  • Emergency Medical Evacuation
  • Repatriation of Mortal Remains
  • Accidental Death ($25,000)
  • Purchase on-line application & print ID card
  • Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Download Materials

NOTE: Atlas International is for clients traveling outside of the United States; Atlas America is for clients traveling to or within the US. Information and rates for both plans are within the same brochure.

• Brochure

Appointed? You must be appointed with Worldtrips to sell this product. If you’re not yet appointed, please contact a Broker Advisor.

*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

US citizens or foreign nationals who are at least 14 days old, enrolled in a primary health insurance plan in their home country, and are traveling outside their home country are eligible under Atlas MultiTrip. COVID-19/SARS-CoV-2 ARE Covered!

Highlights and Benefits*

• Guaranteed issue!—no health questions!
• Covers COVID-19/SARS-Cov-2
• Covers up to either 30 or 45 days per trip (no limit to number of annual trips)
• No Age Limits
• Competitive Annual Rates
• Coverage up to $1,000,000
• In & Out of Hospital Benefits
• Only a $250.00 Deductible
• 100% Coverage after your deductible
• NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
• Emergency Medical Evacuation
• Repatriation of Mortal Remains
• Accidental Death ($25,000)
• Purchase on-line application & print ID card
• Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

*Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Download Materials

• Brochure

Appointed? You must be appointed with WorldTrips to sell this product. If you’re not yet appointed, please contact a Broker Advisor.

*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

Anyone more than 14 days old who travels outside of their home country should be protected with the Beacon Series. If you are a US citizen, your home country is always the US. If you are a non-US citizen, your home country is the location of your principal residence and where you receive mail at the time of your
application for insurance.

Highlights and Benefits for Beacon Travel Medical Plan

• Up to $2,000,000 policy maximum (for travel outside of the US)
• Up to $1,100,000 policy maximum (for travel inside of the US)
• $0 deductible option
• In and out of hospital benefits
• Emergency Medical Evacuation
• Accidental Death and Dismemberment
• Accidental Dental coverage
• Trip Interruption
• Third Party Liability
• Trip Delay/Missed Connection
• Optional Extreme Sports Rider
• Terrorism coverage
• This plan can be renewed up to 730 days
• Plus more!

State and Country Restrictions*

The Beacon is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Plan Underwriter*

The Beacon is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Up to $5,000.00 per person/per calendar year!
• NO Waiting Periods!
• NO Deductible
• Only $25 per visit co-pay!
• NO Claim Forms (in network)!
• Issued up to age 99!
• 12-month rate guarantee!
• Large National PPO – over 300,000!
• Choice of 3 policy maximums – $1,500 – $3,000 – $5,000 per person/per calendar year!
• Sell to individuals, spouses, and families! (Families include ALL children not a per child rate)
• Plus more!

State and Country Restrictions*

This plan is available in the following states: AL, AZ, FL, GA, IA, ID, IL, IN, KS, LA, MI, MS, MO, MT, NE, OH, OK, OR, PA, SC, TN, TX, UT, & WY. Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Brochure, Rates, App, and Highlight Flyer

Brochure

BEST Life and Health Insurance Company

*Questions about what you see here? Please download the plan application for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Issue ages 60 – 64 & 11 months
• Coverage as long as 3 Years
• One EZ application
• NO rewrites necessary
• Freedom to choose any doctor or hospital – no networks
• Up to $500,000 policy maximum
• Prescription Drug Benefits
• EZ Quick Underwriting
• Three 364-day policies issued up front with pre-existing carry over from

State and Country Restrictions*

This plan is available in the following states: AL, AZ, AR, FL, GA, KY, NE, TX, & VA. Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Download Materials

The Bridge to Medicare – Brochure

Plan Underwriter*

The Bridge to Medicare is underwritten by Companion Life Insurance Company, which is rated A+ AM Best Rated Carrier with NO Balance Claims Billing

*Questions about what you see here? Please download the plan application for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

US Citizens or legal residents traveling inside or outside the US wanting high end benefits in travel insurance.

Eligible for ages 0-90 years old.

Highlights and Benefits*

• Evacuation and rescue services from your point of emergency all the way home
• $100,000 Emergency Medical Sickness and Accident Coverage
• 24/7 contact with medical and security professionals
• Trip cancellation up to 100% of Trip Cost
• Optional Cancel for Any Reason addition
• Pre-Existing Conditions Covered (if insurance is purchased within 14 days of the initial trip deposit)
• Trip interruption up to 150% of Trip Cost Limit
• No Deductible! Guaranteed Issue!
• Missed connection
• Changed Fee Reimbursement
• Accidental Death and Air Flight Accidental Death Coverage
• Lost baggage and baggage delay
• Mortal Remains Transportation
• 24/7 Travel Assistance Included
• Plus more!

State and Country Restrictions*

Cavalry Travel Insurance is available in all states, except NY, AK, MD, and SD. Also, the Cavalry Travel Insurance cannot insure destinations of Cuba, Iran, North Korea, South Sudan, Sudan, Syrian Arab Republic, and Venezuela. Countries whose citizens are restricted from buying the Cavalry Travel Insurance plan: Canada and Australia.

Plan Underwriter*

Cavalry Travel Insurance is underwritten by State National Insurance Company, Inc. It is administered by Redpoint Resolutions, who cover nearly 10 million travelers worldwide and has rescued clients from all seven continents.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Worldwide protection–only requires being overseas 3 months in the first year
• Ability to define your deductible
• Pre-existing conditions are covered with credible coverage
• 100% coverage outside of the US for most benefits
• Emergency medical evacuation and repatriation
• $50,000 AD&D benefit
• Unlimited annual lifetime medical maximum
• Worldwide PPO network with thousands of English-speaking doctors
• 24/7 assistance call center

Plan Underwriter*

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

Available to U.S. residents, age 95 or younger, who live in approved states. The initial purchase must be made in your home country prior to departing on your trip. Maximum benefit per insured person per policy period $1,000,000 (For individuals aged 70-95, the Maximum benefit is $200,000). See Eligibility Requirements. Covers all international trips (up to 70 days duration per trip) in a 364 day period.

Highlights and Benefits*

• Either $100 or $200 deductible
• Up to $1,000,000 (For individuals aged 70-95, the Maximum benefit is $200,000)
• Guaranteed issue–up to age 95
• Low cost
• Emergency medical evacuation up to $500,000
• Repatriation of mortal remains coverage
• Accidental death up to $25,000
• Beside visit coverage up to $2,500
• No exclusion of pre-existing conditions regardless of age (with eligibility) –no pre-ex waiting period!
• Terrorism coverage automatically included (In order to be covered in countries where there are open hostilities, such as Ukraine, a member must not be engaged in hostile or combative activities)
• Covers an unlimited number of trips per year up to 70 days per trip

State and Country Restrictions*

BlueCross BlueShield Global Multi-Trip is not available in all states. Get a quote to see if your state is eligible.

Plan Underwriter*

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

This plan is available to U.S. residents, 95 or younger, who live in approved states. Children under age 6 must be enrolled with a parent. The initial purchase must be made in your home country prior to departing on your trip. Must be enrolled in a primary plan to be eligible for a pre-existing condition eligible plan (Single Trip Platinum). The Primary Plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible.

Highlights and Benefits*

• Up to $1,000,000 medical/$500,000 evacuation
• Up to 182 days of coverage. One policy extension is available
• A choice of medical limits and deductibles
• Pre-existing conditions coverage is available (with Single Trip Platinum)*
• Two levels of coverage are available: Gold and Platinum*
• Group plans are available with a 10% discount for groups of five or more.
• Available up to age 95*.

State and Country Restrictions*

BlueCross BlueShield Global Single-Trip is available most states. Get a quote to see if your state is eligible.

Plan Underwriter*

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Worldwide protection–only requires being overseas 3 months in the first year
• Ability to define your deductible
• Pre-existing conditions are covered with credible coverage
• 100% coverage outside of the US for most benefits
• Emergency medical evacuation and repatriation
• $50,000 AD&D benefit
• Unlimited annual lifetime medical maximum
• Worldwide PPO network with thousands of English-speaking doctors
• 24/7 assistance call center

Plan Underwriter*

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

US Citizens and legal residents are eligible to purchase the Harbor Travel trip cancellation, medical, and emergency medical evacuation for travel inside and outside of the US.

Eligible for ages 0-90 years old.

Highlights and Benefits*

• Trip cancellation up to 100% of Trip Cost
• Optional Cancel for Any Reason addition
• Pre-Existing Conditions Waiver
• No Deductible!
• Guaranteed Issue!
• Trip interruption up to 150% of Trip Cost Limit
• Trip delay
• Missed connection
• Changed Fee Reimbursement
• Accidental Death and Air Flight Accidental Death Coverage
• Lost baggage and baggage delay
• Emergency medical expense up to $100,000
• Emergency medical evacuation up to $250,000
• Mortal Remains Transportation up to $15,000
• 24/7 Travel Assistance Included
• Plus more!

State and Country Restrictions*

Harbor Travel Insurance is available in all states, except NY, AK, MD, and SD. Also, the Harbor Travel Insurance cannot insure destinations of Cuba, Iran, North Korea, South Sudan, Sudan, Syrian Arab Republic, and Venezuela. Countries whose citizens are restricted from buying the Harbor Travel Insurance plan: Canada and Australia.

Plan Underwriter*

Harbor Travel is underwritten by State National Insurance Company, Inc., It is administered by Redpoint Resolutions, who cover nearly 10 million travelers worldwide and has rescued client from all seven continents.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

High Limit Accidental Death Plan Details and Materials*

Eligibility
US citizens and US legal residents between ages 18 and 74 are eligible under the High Limit Accidental Death plan.

Highlights and Benefits

• No medical underwriting
• $100,000 to $100 Million† for accidental death
• Simple 1-page application
• For individuals or groups
• Plan includes optional dismemberment, permanent disability, air travel only, and war & terrorism coverage
• Flexible plan that can include: war & terrorism, aviation, common carrier, motor racing, mountain climbing and more
• Coverage within the US and most of the world
• Can be written up to a 3-year term
• Can be tailored to include: war & terrorism, aviation, common carrier, motor racing, mountain climbing and more!

State and Country Restrictions
The High Limit Accidental Death plan is available in all US states, except: Colorado, Connecticut, Montana and Rhode Island. Excluded states are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

† Benefits generally cannot exceed 10 times annual income with a minimum annual premium of $250. In New Jersey, all sales must be with excess of $1,000,000.

Plan Underwriter
High Limit Accidental Death is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

Download Materials

• Brochure & Application
• Highlight Flyer

Appointed? You must be appointed to sell this product. If you’re not yet appointed, please contact a Broker Advisor.

*Questions? Give us a call at (800) 647-4589 or 01 (480) 821-9052.

International Assurance – Our most “unique” travel medical plan for groups of 2 or more who are traveling outside or to the USA. Why is it unique? Four reasons: 1) one low daily premium rate regardless of your age. This makes our International Assurance plan so easy – especially for groups. 2) higher policy maximums than other plans. In fact, our coverage goes as high as $1,200,000. 3) guaranteed instant issue. 4) coverage can be extended up to 728 days when most other plans only go up to 6 or 12 months. Finally the International Assurance plan is fully insured by the worlds oldest and largest insurer.

Click here to see the product brochure!

Click Here for a Highlight Flyer

See Brochure Here

Get Contracted to Sell!

Eligibility*

TME Comprehensive Trip Protection plans are available to U.S. residents traveling both domestically and internationally, providing coverage for single trips up to a maximum of 30 days under the Choice plan, 60 days under the Preferred plan, or 120 days under the Elite plan. There is no upper age limit, as policies can be issued to travelers up to age 100. The plans offer primary and comprehensive coverage options that are an ideal fit for any individual or group traveler looking to protect their non-refundable trip costs against unforeseen cancellations or emergency medical events.

Highlights and Benefits*

• Choose from three tailored levels of comprehensive protection depending on your trip length and budget:
  • Choice Plan: Budget-friendly primary coverage and standard policy limits for trips of 30 days or less
  • Preferred Plan: A great balance of affordable pricing and robust coverage for trips up to 60 days
  • Elite Plan: Superior coverage limits and maximum optional upgrades for extensive trips up to 120 days
• Trip Cancellation & Interruption: Protects trip costs up to $10,000 (Choice), $50,000 (Preferred), or $100,000 (Elite) per traveler.
• Pre-Existing Medical Condition Exclusion Waiver: Available on the Preferred and Elite plans if the policy is purchased within 14 days of your initial trip deposit date.
• Cancel for Any Reason (CFAR): Optional upgrade available on Preferred and Elite plans providing 75% reimbursement of trip costs (not available in NY & WA).
• Interruption for Any Reason (IFAR): Optional upgrade exclusive to the Elite plan providing 75% reimbursement of trip costs (not available in NY & WA).
• Emergency Accident & Sickness Medical: Covers emergency medical expenses up to $25,000 (Choice), $50,000 (Preferred), or $100,000 (Elite).
  • Note: The Elite Plan specifically features Hospital of Choice coverage for emergency medical evacuation.
• Emergency Evacuation Limits: Generous coverage up to $100,000 (Choice), $250,000 (Preferred), or $500,000 (Elite).
• Baggage, Delay & Extras: Includes coverage for travel delays, missed connections, lost baggage, and plan-specific perks like Lost Golf Rounds, Lost Skier Days, or Optional Rental Car Damage (Elite only).
• Ten-Day Free Look: If you change your mind within 10 days of purchase, TME will refund your premium as long as you haven’t departed or filed a claim.
• Fully Insured by A+ (Superior) rated by AM Best (not a club or travel service company)

State and Country Restrictions*

TME Travel Med Evac is available in all states and countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

National General Short-Term Medical

For the past 2 years, Insurance Services of America has won National General’s “Best in the West” award for producing more business than anyone else in the western USA. There are different sales brochures for different states, so please feel free to contact us for more details.

Here is a highlight flyer.

An Insurance Services of America “exclusive” product!!!

 $20,000 of Permanent Level Term that doesn’t expire until death.

INSTANT ISSUE after answering only 3 EZ questions.

Issue ages 18-74

A most “unique” product!!!

Your Markets:

1. Seniors
2. Those with health issues
3. Final expense protection or
4. Anyone who wants an EZ, quick up to $20,000 level term plan

More details including rates click HERE

US citizens and US legal residents between the ages of 6 months (when insuring children by themselves) and 64-year-old. You must be able to answer a few brief health questions “no” in order to qualify. But once you qualify no other health questions are necessary.

Highlights and Benefits

1. The “Pivot” STM in most states is a 364-day plan. For those without pre-existing conditions, a much lower cost medical plan than an ACA plan.
2. Only a One-Time easy on-line enrollment necessary.
3. Your client can pay month by month and cancel anytime (discounts for pre-pay also!)
4. NO further applications have to be completed & NO medical questions answered after the initial enrollment!
5. Freedom of choice – member can go to any doctor or facility 
6. Eligibility age for primary application is 6 months to 64 and 11 months
7. Doctor office copays on some plans: $30 primary / $60 specialist/urgent care
8. Prescription discount card on every plan
9. Prescription drug rider on some plans

Plus…

• Optional Doctor co-pay benefits!
• Optional RX co-pay benefits!
• Optional Urgent Care co-pay benefits!
• Freedom of choice of any provider!
• Can be written in children alone!
• A+ AM Best rated company!

Contact us for state availability and more details

Plan Underwriter
Our PIVOT Short-Term plan is underwritten by Companion Life Insurance Company which is AM Best rated A+ (Superior).

Download Materials

• Benefit Brochure

Need a Quote, More Information or to be Appointed?

Arizona Office
Graham Bates Graham@ISAbrokers.com (800) 647-4589
Baylie Carroll Baylie@ISAbrokers.com (800) 647-4589 ext 206

Indiana Office – Suzanne Munson Suzanne@ISAbrokers.com (317) 399-7167 (direct line)

Texas Office – Rachel Piccione Rachel@ISAbrokers.com
(800) 647-4589 ext 210

Eligibility*

US Citizens and legal residents are eligible to purchase the Ripcord Rescue Travel trip cancellation, medical, emergency medical evacuation, security evacuation and rescue for travel inside and outside of the US.

Eligible for ages 0-90 years old.

Highlights and Benefits*

• Insurance coverage tailored for adventurers
• Evacuation and rescue services from your point of emergency all the way home
• Completely integrated program with a single contact for emergency services to travel assistance and insurance claims
• 24/7 contact with medical and security professionals
• Trip cancellation up to 100% of Trip Cost
• Optional Cancel for Any Reason addition
• Pre-Existing Conditions Waiver
• Trip interruption up to 150% of Trip Cost Limit
• No Deductible! Guaranteed Issue!
• Trip delay
• Missed connection
• Changed Fee Reimbursement
• Accidental Death and Air Flight Accidental Death Coverage
• Lost baggage and baggage delay
• Emergency medical expense up to $100,000
• Emergency medical evacuation and Rescue up to $750,000
• Mortal Remains Transportation up to $15,000
• Travel Assistance
• 24/7 Travel Assistance Included
• Plus more!

State and Country Restrictions*

Ripcord Rescue Travel Insurance is available in all states, except NY, AK, MD, and SD. Also, the Ripcord Rescue Travel Insurance cannot insure destinations of Cuba, Iran, North Korea, South Sudan, Sudan, Syrian Arab Republic, and Venezuela. Countries whose citizens are restricted from buying the Ripcord Rescue Travel Insurance plan: Canada and Australia.

Plan Underwriter*

Ripcord Rescue Travel is underwritten by State National Insurance Company, Inc. It is administered by Redpoint Resolutions, who cover nearly 10 million travelers worldwide and has rescued clients from all seven continents.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Highlights and Benefits*

• Unlimited Doctor Co-Pay Visits!
• In & Out of Hospital!
• Emergency Room Care!
• Outpatient Services!
• “MD Live” 24/7 Doctor Benefit!
• X-Ray & Lab…plus more!
• A (Excellent) AM Best Rated Company
• Plus more!

State and Country Restrictions*

• Cheaper alternative to ObamaCare!
• Cheaper alternative to employer plan or COBRA!
• Perfect for:
  • Missed open enrollments;
  • between jobs;
  • waiting period for group insurance;
  • waiting for Medicare eligibility;
  • immigrants

State and Country Restrictions*

12-Month States: AL, AR, GA, IA, MS, MT, NC, NE, TX, WI, & WV.

11-Month States: SC

6-Month States: AZ, MI, NV, ND, OK, & WY (note, some 6-month duration states will be expanded soon upon approval)

3-Month States: DE, IL, IN, KS, LA, & OH (note, some 3-month duration states will be expanded soon upon approval)

Brochure and Highlight Flyer

Brochure

Plan Underwriter*

The Simple Term Medical Plan is underwritten by United States Fire Insurance Company.

*Questions about what you see here? Please download the plan application for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Eligibility*

Great for US citizens traveling outside the USA including all “US territories” or “dangerous” countries of conflict that other travel medical plans exclude. For ages 0 – 80. Medical Maximum up to $5,000,000.00. Can be issued from 1 day up to 6 months with rewrites.

Highlights and Benefits*

• Guaranteed issue!—no health questions!
• Up to $5,000,000 policy maximum (benefit reduced after age 69)
• Immediate policy issue
• Emergency medical evacuation, terrorism, AD&D and repatriation coverage automatically included
• After the deductible, 100% UCR (NO co-insurance)
• Zero deductible option
• Great optional Hazardous Sports Rider
• Plus more!

State and Country Restrictions*

USAway Travel Major Medical is available in all states and countries EXCEPT AK, CO, CT, DE, IA, KY, MD, ME, MO, MS, MT, NC, NE, NJ, NM, NY, RI, SC, AD, & TN. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

*Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.