Coverages

• Voluntary Dental
• Voluntary Vision
• Voluntary Disability
• Voluntary Life
•  
• Individual Health Insurance
• International Group Benefits
• Marine Health Insurance
• Medicare
• Short-term Medical
• Travel Medical Insurance
•  
• Group Personal Insurance

Allen Insurance and Financial has international insurance programs endorsed by the American Sail Training Association and US Sailing, the national governing body of sailing. Whether it’s setting up an account for a company, associate, or individual, we at Allen Insurance and Financial are happy to help.

Year-Round Multi-Trip Travel (Domestic & International)
Instead of buying travel insurance for each trip, year-round insurance will have you covered for the entire year.

HTH Global Citizen EXP

• Worldwide coverage, excluding U.S., offers 50% savings
• Define your deductible and prescription benefits
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Can be used on its own or with a domestic health plan
• HTH Worldwide/Aetna
• A- Rating from A.M. Best
• Click for website
• Click for Brochure | Benefit Schedule | Application (coming soon)

HTH Global Citizen

• Customize your medical coverage to suit your needs
• Define your deductible and prescription benefits
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Can be kept upon return home, offering unique portability
• HTH Worldwide/Aetna
• A- Rating from A.M. Best
• Click for website
• Click for Brochure | Benefit Schedule | Application (coming soon)

HTH Global Navigator for Missionaries

• Worldwide medical coverage built for career missionaries
• Select from a range of deductibles and rates
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Can be used on long term furlough back home
• HTH Worldwide/Aetna
• A- Rating from A.M. Best
• Click for website
• Click for Brochure | Benefit Schedule | Application (coming soon)

HTH Global Navigator for Crew

• Worldwide medical coverage built for crew members
• Select from a range of deductibles and rates
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Sailboat racing and alcohol-related injuries are covered
• HTH Worldwide/Aetna
• A- Rating from A.M. Best
• Click for website
• Click for Brochure | Benefit Schedule | Application (coming soon)

Wander Frequent Traveler

• 4 Choices for Medical Maximum
• AD&D coverage
• Incidental trips to home country: $50,000
• Lloyds of London

Patriot Multi-Trip Travel Medical Insurance

• Maximum Limit $1,000,000
• Universal Rx pharmacy discount savings
• Freedom to seek treatment from hospital/doctor of your choice
• NSBTHA Association

Travel International Medical
When traveling outside of the U.S, many people have significant gaps in their domestic medical insurance. These gaps exist because domestic medical often will not cover medical costs that occur internationally. Travel medical insurance helps fill these gaps and protects people while they travel around the world. 

Single Trip:

Trip Protect E Saver

• Trip cancellation, lost baggage
• $100,000 Air Flight Accident
• Does NOT require a health plan
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A-Rating from A.M. Best
• Click for Website

Trip Protector

• Trip Cancellation/interruption, lost baggage
• $500,000 medical/$1,000,000 medical evacuation
• Layoff, bankruptcy, terrorism coverage and more
• Requires a health plan
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A-Rating from A.M. Best
• Click for Website

Trip Protector Preferred

• $1,000,000 medical
• Higher trip interruption and baggage limits
• More covered reasons under trip cancellation
• Requires a health plan
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website

Liaison International Travel

• 4 medical maximum options
• AD&D up to $25,000
• Coverage for 187 days
• $50,000 home country coverage
• United States Fire Insurance Company
• Click for Brochure and Application

Liaison Majestic Travel

• 4 Medical maximum options
• AD&D up to $25,000
• Coverage of up to 364 days
• Lloyd’s of London
• Click for Brochure and Application

Liaison Continent Travel

• 4 Medical maximum options
• AD&D up to $50,000
• Home Country Coverage up to $50,000
• Coverage of up to 187
• Lloyds of London
• Click for Brochure and Application

Liaison Worldwide Travel

• 4 Medical maximum options
• AD&D up to $25,000
• Coverage up to 12 months
• Nationwide Mutual Insurance Company
• Click for Brochure and Application

Patriot Travel Medical Insurance

• Contact Allen Insurance and Financial for more information
• NSBTHA Association

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Trip Protection
Whether it’s canceling a long trip or losing expensive luggage, trip protection can be extremely valuable. Certain trip protection policies include medical coverage, as well.

Trip Protect E Saver

• Trip cancellation, lost baggage
• $100,000 Air Flight Accident
• Does NOT require a health plan
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A-Rating from A.M. Best
• Click for Website

TripProtector

• Trip Cancellation/interruption, lost baggage
• $500,000 medical/$1,000,000 medical evacuation
• Layoff, bankruptcy, terrorism coverage and more
• Requires a health plan
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A-Rating from A.M. Best
• Click for Website

TripProtector Preferred

• $1,000,000 medical
• Higher trip interruption and baggage limits
• More covered reasons under trip cancellation
• Requires a health plan
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website

Roundtrip/Choice

• $150,000 Medical
• Maximum trip length of 90 days
• Optional cancel for any reason (Roundtrip Choice only)
• Trip interruption of 150% or tour cost maximum
• US Fire Insurance Company
• Click for Brochure and Application

Roundtrip Economy/Elite

• $75,000 Medical
• Maximum trip length 90 days
• Optional cancel for any reason (Roundtrip Choice only)
• Trip interruption up to 150% or tour cost
• US Fire Insurance Company
• Click for Brochure and Application

Patriot T.R.I.P Travel Insurance

• Designed for Trips up to 30 days
• $20,000 trip cancellation/interruption
• $10,000 coverage for emergency dental/medical expenses
• NSBTHA Association 

Patriot T.R.I.P Elite

• $20,000 coverage for trip cancellation
• Trip interruption benefit of 150% trip cost
• $50,000 coverage for emergency dental/medical expense
• MSBTHA Association
  

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International Health Insurance
Expat health insurance covers the U.S. citizen living abroad.

Liaison Inbound Guest

• Ideal for non-U.S. citizen visitors coming to the U.S. for business, pleasure or to study
• Available a minimum of 5 days up to 180 days
• Varying plan deductibles for hospitalization and sickness to fit your needs
• Lloyd’s of London
• A Rating by A.M. Best
• Click for Brochure and Application

Liaison Inbound Immigrant

• Ideal for non-U.S. citizen immigrants coming to the U.S.
• Available a minimum of 5 days up to 5 years
• Varying plan deductibles for hospitalization and sickness to fit your needs
• Lloyd’s of London
• A Rating by A.M. Best
• Click for Brochure and Application 

Reside

• Available Worldwide
• Minimum Purchase 1 year
• Lifetime outside of the U.S/Canada $5,000,000
• Lloyds of London
• Click for Brochure and Application

Reside Prime

• Available Worldwide
• Minimum Purchase of 364 days
• Contains mental health services
• Additional riders can be purchased
• Lifetime outside of US/Canada $5,000,000
• Lloyds of London
• Click for Brochure and Application

Global Medical Insurance

• Sirius International Company
• Contact Allen Insurance and Financial for more details

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Global Student
There are plans for international students studying in the United States, and for United States students studying abroad.

Global Student USA Preferred

• Provides $250,000 of coverage per year
• 100% cover for first $5,000 of expenses
• Designed for International Students studying in the U.S
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website

Global Student USA

• Provides $250,000 of coverage per year
• Designed for international students studying in U.S
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website

U.S Student Abroad

• Provides $100,000 of coverage per year
• Designed for U.S Study Abroad Students
• HTH Worldwide/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website

Student

• $100,000 Emergency medical evacuation
• $250,000 Accident and sickness
• Maternity covered
• Up to 12 months renewable
• United States Fire Insurance Company

Patriot T.R.I.P Student

• $5,000 coverage for trip cancellation/interruption
• For US students studying abroad
• $2,500 for emergency medical/dental expenses
• NSBTHA Association

Travel International Business
Travel International Business helps protect those who suffer an illness or injury when traveling on an international assignment.

HTH Business Traveler Benefit Schedule

• Medical Maximum of $250,000
• Drug Prescription Coverage
• Emergency Reunion: 1 economy round trip airfare
• HTH Worldwide/Aetna
• A- Rating from A.M. Best

HTH Global Citizen EXP

• Worldwide coverage, excluding U.S., offers 50% savings
• Define your deductible and prescription benefits
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Can be used on its own or with a domestic health plan
• HTH Worldwide/Aetna
• A- Rating from A.M. Best
• Click for Website
• Click for Brochure | Benefit Schedule | Application (coming soon)

HTH Global Citizen

• Customize your medical coverage to suit your needs
• Define your deductible and prescription benefits
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Can be kept upon return home, offering unique portability 
• HTH Worldwide/GeoBlue/ Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website

• Click for Brochure | Benefit Schedule | Application (coming soon)

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Policies Available in Select States
Please click the link below to see if these policies are available in your state.

GeoBlue Trekker Essential

• Up to $50,000 for sickness and accidents; $250,000 medical evacuation benefit
• Unlimited trips in a 12-month period (70 day max/trip) for ages 84 or younger
• Covers pre-existing conditions for medical services and medical evacuation
• Requires a health plan
• HTH/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website
• Availability

GeoBlue Trekker Choice

• Up to $250,000 for sickness and accidents; $500,000 medical evacuation benefit
• Unlimited trips in a 12-month period (70 day max/trip) for ages 84 or younger
• Covers pre-existing conditions for medical services and medical evacuation
• Requires a health plan
• HTH/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website
• Availability

GeoBlue Voyager Essential

• Choice of varying medical limits and deductibles
• For trips up to 6 months for ages 74 or younger
• Covers pre-existing conditions for medical services and medical evacuation (6 months pre-existing exclusion)
• Does NOT require a health plan
• HTH/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website
• Availability

GeoBlue Voyager Choice

• Choice of varying medical limits and deductibles
• For trips up to 6 months for ages 84 or younger
• Covers pre-existing conditions for medical services and medical evacuation
• Requires a health plan
• HTH/GeoBlue/Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website
• Availability

GeoBlue Xplorer Essential

• Worldwide coverage, excluding U.S., offers 50% savings
• Define your deductible and prescription benefits
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Can be used on its own or with a domestic health plan
• HTH Worldwide/GeoBlue/ Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website
• Availability

GeoBlue Xplorer Premier

• Customize your medical coverage to suit your needs
• Define your deductible and prescription benefits
• Choose providers either in or out of our elite network
• Unlimited annual and lifetime medical maximum
• Deductible waived for office visits with doctors
• No waiting period for preventive services
• Pre-existing conditions covered with creditable coverage
• Can be kept upon return home, offering unique portability
• HTH Worldwide/GeoBlue/ Anthem Blue Cross Blue Shield
• A- Rating from A.M. Best
• Click for Website
• Availability

 

Agents

Camden Office
800-439-4311

Specialty & Marine Benefits Specialist | Group Producer
207-230-5838
View Bio

Individual Medicare Specialist
Group Producer
207-230-5739
View Bio

Client Service Representative
207-230-5845
View Bio

Account Manager
207-230-5835
View Bio

Client Service Representative
207-230-5844
View Bio