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Azimuth Risk Solutions Inc.
1 North Pennsylvania Street,
Indianapolis IN 46204
Trip delay protection
Home country coverage at end of trip
Lost luggage coverage
Maximum coverage amounts ranging from $12,000 to $2 million
Sudden onset of pre-existing conditions
Emergency medical evacuation
Azimuth is the newest entrant into international travel insurance among the major carriers offered at Freedom Benefits. The firm is led by executives who left their employers to start a firm that offers an even stronger top quality insurance product. Coverage is issued through a multi-national trust so this is actually a group-type insurance policy.
A sample certificate of coverage is available below.
Eligibility: A newborn baby is eligible for coverage at the age of 14 days.
Benefits: Covers usual, customary and reasonable medical charges up to the policy limit of $50,000 to $2,000,000 subject to the other listed conditions and limitations. Maximum overage is reduced over age 80. Coverage is primarily intended for medical expenses outside of the home country except that coverage is also provided for short trips home and for up to 30 days upon return from an extended trip. Lost luggage is covered up to $250 and trip delay or cancellation coverage is $100 per day.
Deductible and Co-insurance : A choice of deductible from $0 to $2500. The choice of deductible most significantly affects the premium price. A 20% co-insurance is applied to the first $5,000 of claims that are incurred within the U.S. using medical providers that are outside of the Preferred Provider network. Otherwise, there is no co-insurance.
Coverage Period: 7 days to 6 months
Coverage Limitations and exclusions: Pre-certification is required for non-emergency procedures. Pre-existing conditions are normally excluded from coverage except that a $20,000 benefit is available for sudden onset of a pre-existing condition. Coverage for acts of terrorism is limited to $50,000. Physical therapy benefits are limited to 15 visits at $50 per visit.
Explanatory note: In English speaking countries outside the U.S. insurance plans are referred to as insurance schemes. We point this out because the word "scheme" often has a negative connotation in the U.S. especially when applied to a financial operation, i.e. "Ponzi scheme". Use of "scheme" as a synonym for "plan" in this insurance policy certificate does not imply a negative connotation.
Financial backing by Lloyd's London. The claim processing differs from other insurers to be more consumer-friendly. The terrorism coverage provided is excluded by some other medical insurance policies. The administrator accepts collect calls, even from outside the U.S. This could be important in an emergency situation and we are not aware of any other provider that offers this service.
There is no age limit on the Beacon Series, just a limited overall maximum amount of coverage of $12,000 for older applicants.
Includes 30 days coverage at the end of a trip in the home country with 12+ month Beacon policies. This coverage option is free (others charge extra for this home country coverage). This same benefit is 15 days free home country coverage for policies ranging in length from 6 months up to 11 months, 29 days.
The administrator maintains an excellent report with the Better Business Bureau. Generally, due to the inherent nature of the insurance industry, only the very best insurance administrators attempt to obtain a BBB review. In our opinion, Azimuth Risk Solutions has emerged as the premier source of international travel insurance.
The plan administrator in the U.S. is a new company without a significant track record. Yet the corporate profile emphasizes the relevant experience of the principals in past positions and we believe that the company has shown excellent performance and policyholder service in the time it has been in operation.
|The Beacon Series Travel Medical Plan Schedule of Benefits|
|Maximum Limits: $60,000; $110,000; $550,000; $1,100,000 or $2,000,000 ($50,000 Maximum Limit ages 70-79; $12,000 Maximum Limit ages 80+).|
|Deductibles: $0; $100; $250; $500; $1,000; $2,500 per Coverage Period.|
|Coinsurance (Subject to the Deductible): The plan pays 100% of Eligible Expenses to the Maximum Limit for claims incurred in the US or Canada within the Multi-Plan PPO Network. The plan pays 80% of the next $5,000 after the Deductible outside of the Network. The plan pays 100% for Eligible Expenses incurred outside the US & Canada.|
|Hospital Services||Outpatient Services|
|Pre-Certification Penalty: 50%||Prescription Drugs: Usual, Reasonable, and Customary charges.|
|Hospital Indemnity: $150 per night; Inpatient Hospitalization (Outside the US and Canada ONLY).||Physician Visit: Usual, Reasonable and Customary charges.|
|Hospital Room and Board: Average Semi-private room rate, including nursing services.||Physical Therapy $60 Maximum Limit per visit, 1 visit per day, Maximum of 15 visits per Coverage Period.|
|Emergency Room Illness: Usual, Reasonable, and Customary charges (subject to additional $250 Deductible if not admitted overnight).|
|Emergency Room Accident: Usual, Reasonable, and Customary charges.|
|All Other Eligible Medical Expenses: Usual, Reasonable, and Customary charges.||Sudden On-set of Pre-existing Condition: $15,000 Maximum Limit for Eligible Medical Expenses including Emergency Medical Evacuation.||Local Ambulance: Usual, Reasonable and Customary charges, when covered Illness or Injury results in Hospitalization.||Durable Medical Equipment: Usual, Reasonable, and Customary charges.|
|Dental (Injury as result of Accident) Only available for Policies purchased for 90 days or more: $250 Maximum Limit per Coverage Period.||Dental (Acute onset of pain) Only available for Policies purchased for 90 days or more: $100 Maximum Limit per Coverage Period.||Lost Checked Luggage: $250 per Coverage Period (not subject to Deductible or Coinsurance).As defined in the Policy.||Optional Sports Rider: $10,000 Maximum Limit per Coverage Period.|
|Emergency Medical Evacuation: Maximum Limit; except when provided under the Sudden onset of Pre-existing Conditions..||Emergency Reunion: $50,000 Maximum Limit.||Trip Delay / Missed Connection: $100 Maximum Limit per day (Maximum 2 days), after a 12 hour delay period. As defined in the Policy.||Personal / Third Party Liability: $500 Maximum Limit. As defined in the Policy.|
|Return of Mortal Remains: $50,000 Maximum Limit||Return of Minor Children: $5,000 Maximum Limit $5,000 Maximum Limit.||Quick Trip Home Country Coverage: 14 days cumulative Home Country Coverage (as defined in Policy). Subject to 90 days minimum purchase.||Home Country Coverage (End of Trip): Free 15 days with 180 days purchase, or free 30 days with 365 days purchase.|
|Common Carrier Accidental Death and Dismemberment: Up to $50,000 Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member age 18 and older or Up to $30,000 Maximum Limit (not subject to Deductible or Coinsurance) for Participating Member under age 18. $250,000 Maximum Benefit any one family||Political Evacuation: $10,000 Maximum Limit (not subject to Deductible or Coinsurance). As defined in the Policy.||Terrorism: $50,000 Maximum Limit Medical Expenses ONLY.|
|Accidental Death and Dismemberment (AD&D) Participating Members age 18 and older: Up to $30,000 Maximum Limit (not subject to the Deductible or Coinsurance) Death of Insured Person= $30,000; Death of Spouse= $20,000; Death of Child(ren)= $6,000 Loss of 2 or more Limbs or both eyes= $30,000 Loss of 1 Limb or eye= $15,000 Age 70-74 benefits are reduced by 50% Age 75+ benefits are reduced by an additional 50% $250,000 Maximum Benefit any one family||Accidental Death and Dismemberment (AD&D) Participating Members under the age 18: Up to $6,000 Maximum Limit (not subject to the Deductible or Coinsurance) Death of Insured Person= $6,000 Loss of 2 or more Limbs or both eyes= $6,000 Loss of 1 Limb or eye= $3,000 $250,000 Maximum Benefit any one family|
|* Maximum Limit for those age 70-79 is
** Maximum Limit for those age 80+ is $12,000
This is a consolidated and summary description of benefits and limits. A full version of the Evidence of Insurance or Master Policy with a complete list of benefits, conditions, limitations and exclusions is available upon request.
This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.