Beacon International

Plan Detail

Plan Administrator: Azimuth Risk Solutions | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London


Is It Important To Have Medical Insurance?

Perhaps the better question is whether you are prepared to travel without it.

While international travel is often interesting, fun and exciting, it is important not to ignore the real risks we face, even though we do not like to think about them happening. Imagine it is 3 a.m. back home and you are severely injured in a fall, will anyone pick up the phone at your local insurance company? If they do answer, can they or will they have the ability to assist you with your emergency?

Many health insurance plans have restrictions for time spent out of home country or geographic areas that lack coverage. Be confident when you arrive in another country that you will enjoy the security of the finest travel medical insurance protection available in the market today. Azimuth Risk Solutions provides the essential coverage and service to respond quickly, compassionately and professionally to the emergency mentioned above and hundreds of other travel emergencies.

Coverage Anywhere. Value Everywhere.

Is the Beacon Series a Good Value?

The Beacon Series offers the most comprehensive schedule of benefits available in today's travel medical insurance market and all at an affordable price. Azimuth believes the real value of an insurance plan exists in the service attached to the plan and the ability to respond in a time of need. Azimuth takes tremendous pride in professionally serving our clients, with staff members who enjoy helping people, no matter where they are in the world and at any time of the day or night.

Who is Azimuth Risk Solutions?

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, 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.

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 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.

What if I Stay Longer?

Sometimes you just need a little more time away from things at home. With the Beacon Series, it is easy to stay covered, simply login to the ARS Client Center at the Azimuth website, after your initial purchase and you can extend your plan up to a maximum overall Coverage Period of 364 to 730 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.

International Client Assistance

If it matters to you to know that someone is always by your side while traveling in a distant land, the Beacon Series can ease your mind while you are away from the familiar surroundings of home. For no extra charge, each Beacon Series Plan includes the following key services to help you when you are in the greatest need:

Real Time – Call Center are in the greatest need: Never worry about accessing the assistance you need while you are many time zones away. Azimuth is available at all times for emergency assistance. A caring, helpful voice on the other end of the phone is always available, no matter where you are and what time it is.

Lost Baggage Tracking – If you have ever had to chase down your airline baggage department to find out where your luggage may have gone, you will appreciate our ability to do so on your behalf. Enjoy your travel without having to make multiple phone calls to get updates on your baggage delivery.

Medical Referrals – Need a doctor or the nearest hospital? One free call gets you the information you need.

Travels Advisories – Get in the know, before you go; call us to learn areas to avoid, travel delays, weather alerts and more.

What Is Usual, Reasonable and Customary (URC)?

The term URC refers to the prevailing charges for services delivered within a geographic area.

What Is Not Covered?

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).

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 without the purchase of 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 contact Azimuth Risk Solutions for a copy of the Evidence of Insurance.