Why we like it:
WE RECOMMEND Beacon International for affordable travel insurance coverage outside your country of residence. Beacon International offers excellent travel insurance for Canadians abroad.
For the low price, it includes benefits and limits not found in other plans, including trip delay, personal liability, higher overall coverage limits & political evacuation. It also has guaranteed plan issuance – and is available to travelers of any age. If you plan on doing adventure sports, there is a rider to cover that. You can also purchase it after travel has already begun. It has end of trip coverage and quick trip home coverage for those traveling for longer periods.
Travel plan available up to 3 years worldwide minus U.S. or 2 years available for worldwide including travel to the U.S.
Good for:
- Excellent affordable travel insurance for Canadians abroad and non-U.S.
- People needing coverage for up to 3 years
- Has high level of coverages and unique benefits
- Can purchase after trip has begun
Highlights
- May be purchased after travel has already begun
- Coverage outside your country of citizenship – great travel insurance for Canadians abroad
- Coverage not available to the following destinations: Australia, Gambia, Ghana, Indonesia, Iran, North Korea, Nigeria, Sierra Leone, Switzerland, Syria, Syrian Arab Republic, Trinidad and Tobago.
- Outstanding combination of benefits with affordable premiums /insurer security/client service which means unmatched value to you
- Benefits and limits not found in other plans, including: trip delay, personal liability, higher overall coverage limits & political evacuation
- Guaranteed plan issuance – and available to travelers of any age
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In the USA, this plan uses the AETNA network which is excellent
- Coverage for Sudden Onset of Pre-existing Conditions of up to $15,000 regardless of citizenship
- 100% coverage for eligible expenses after the deductible is met when outside the US/Canada or within Preferred Provider Network inside the US.
- Flexible coverage to meet your schedule
– May be extended in daily increments up to 3 years for U.S. citizens
– 2 years for non-U.S. citizens - Backed by Lloyd’s of London
- On this policy, emergency evacuation is not a separate benefit, but included in medical coverage. We recommend a minimum of $110,000 in medical benefit because emergency evacuation can be very expensive.
– Call us or chat if you have questions.
Additional Beacon Overseas Travel Medical Insurance Benefits
Some Additional Beacon Overseas Travel Medical Insurance Benefits
- Choose a Maximum Benefit Limit:
BEACON International Rates (Travel outside the U.S.)
– Maximum Limit: $60,000 $110,000 $550,000 $1,100,000 or $2,000,000USD
BEACON America Rates (Non-US Citizens Traveling to the U.S.)
– Maximum Limit: $60,000 $110,000 $550,000 or $1,100,000USD - Choice of deductible only goes towards your medical maximum coverage benefit
- Evacuation goes towards your medical maximum coverage you choose – with no deductible.
– We recommend $110,000 or more - Emergency Reunion: Up to $50,000
- Return of Mortal Remains: Up to $50,000
- Return of Minor Child: Up to $5,000
- Political Evacuation: Up to $10,000
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Terrorism cover: Up to $50,000 (medical expenses only)
- Personal and third party liability cover: Up to $500. Example, covers a lamp you may have knocked over in the hotel lobby.
- Quick Home Country Trip protection
- End of Trip/Home Country Coverage
- Easy to extend your coverage
- Even has an Emergency Pet Return Home Benefit!
Up to $500 Sub-Limit per Coverage Period for an economy return ticket for a cat or dog in the event you are hospitalized for 36 hours or more (Not subject to Deductible or Coinsurance).
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Eligibility
Who is Eligible To Purchase the Beacon Series?
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 U.S.
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.
What if I Stay Longer?
Sometimes you may want to choose to extend your time away from home. Maybe you are volunteering or a role opens up overseas or ?
With the Beacon Series, it is easy to extend your coverage, simply login to the ARS Client Center at the Azimuth website, www. azimuthrisk.com after your initial purchase and you can extend your plan up to a maximum overall Coverage Period of 364 to 728 days depending upon your citizenship.
If you purchase at least 10 days of initial coverage and provide Azimuth with your email address, you will receive an email reminder with instructions for extending your coverage 5 days prior to your Beacon plan termination date. You may extend multiple times, up to the maximum allowed Coverage Period.
Home Country Coverage – End of trip
Free Home Country Coverage – End of trip
A long time away from home requires a little time to get acclimated to life back home. That is why the Beacon Series provides you with 15 days of free coverage with a 180-day Policy purchase or 30 days of free coverage with a 364-day Policy purchase.
Coverage for quick trips home
Quick Trip Home Coverage
Long trips may require that you return home for a brief time to manage your affairs or due to a family emergency or for the holidays. The Beacon Series features quick trip home coverage. If you purchase at least 90 days of coverage, the Beacon Series provides coverage in your home country for up to 14 days with the Quick Trip Home benefit. After which you would then complete your international travel.
What Is Not Covered By This Policy?
Pre-existing Conditions
Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance (Except for Sudden Onset of Pre-existing Condition).
The Sudden Onset of Pre-existing Health Condition which suddenly and unexpectedly asserts itself during your travel, but has not received ongoing treatment, which would include medication or therapy of any kind for the past 730 days, is covered on policies purchased with a maximum limit of $110,000, $550,000, or $1,100,000 for eligible expenses up to $150,000. Policies purchased for all other maximum limits offer up to $50,000, and up to $25,000 when related to an emergency medical evacuation. The sudden onset of pre-existing benefit is only available to those under the age of 70.
Pregnancy
Charges related to Pregnancy, including but not limited to pre-natal care, child birth, post-natal care, false labor, edema, prolonged labor and/or prescribed rest during the period of pregnancy, including newborn care.
Sport Injuries
A result of engaging in Hazardous Sports unless you have added the Optional Sports Rider.
Alcohol/Drugs
Any injury or illness sustained after the consumption of alcohol or drugs or for the treatment of substance abuse.
Note: This is a partial list and description of exclusions. For a full description, please see brochure or contact us for a sample certificate of insurance.
Optional Riders
Optional Extreme Sports Rider
Participation in recreational/resort sports such as beach volleyball or snorkeling are always included free as a part of your benefits covered in the Beacon Policy. The Optional Extreme Sports Rider includes extreme recreational activities from the four different elements include: Earth, Water, Wind and Snow.
The Optional Extreme Sports Rider provides up to $50,000 in coverage for eligible activities.
The Accidental Death & Dismemberment benefit does not apply when you are engaged in sports and/or hazardous activities.
Who is Azimuth?
Headquartered in Indianapolis, Indiana, Azimuth Risk Solutions, (Azimuth) is a service first organization formed by professionals with nearly 30 years in the international insurance industry. Azimuth’s mission is to provide the finest value combination of product offering, administration and client service available in the international market today. If it is important to you to do business with an organization that is committed to service excellence, ethical conduct and philanthropic pursuits, Azimuth is the choice to meet your requirements. Azimuth is a Managing Agency for our insurer, certain Underwriters at Lloyd’s, London and the scheme administrator for the Beacon Series.
WHO INSURES THIS PLAN?
The preeminent name in international insurance is Lloyd’s of London.
This largest, oldest and most respected insurance market is the insurer on all Azimuth Risk plans. You will have the security of knowing that you are working with an insurer who has paid every eligible claim for more than 320 years. Lloyd’s is rated ‘A’ by AM Best Company and Standard & Poor’s for their superior ability to pay claims.
Additional Information:
If you cannot use the BUY ONLINE button above due to a poor or unreliable internet connection, needing to pay by check, or you are from a country that does not allow online form submission due to fraud, use this link to download a paper application (sometimes included as part of their brochure).
- Coverage not available to the following destinations: Australia, Gambia, Ghana, Indonesia, Iran, North Korea, Nigeria, Sierra Leone, Switzerland, Syria, Syrian Arab Republic, Trinidad and Tobago.
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!