Medical Evacuation & Repatriation

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following:

1. Covered Expenses will only be payable at the Usual and Customary level of payment;
2. Benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Trip;
3. Benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you or in accordance with the coordination of benefits provision, which is set forth below in jurisdictions where excess coverage provisions are not permitted.

We will pay that portion of covered expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:

1. Expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
2. Expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America or Canada, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
3. Expenses for transportation, not to exceed the cost of one round-trip economy class air fare, to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
4. Expenses for transportation, not to exceed the cost of one-way economy class air fare, to your place of residence in the United States of America or Canada, including escort expenses, if you are 18 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult (s);
5. Expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your place of residence in the United States of America or Canada, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the certificate.
6. Repatriation expenses for preparation and air transportation of your remains to your place of residence in the United States of America or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America or Canada.

We will pay the Usual and Customary Charges incurred, up to the Maximum Benefit Amount, for:

1. Your medical evacuation to the nearest appropriate Hospital or medical facility if adequate medical treatment is not available where You sustained the Injury or became Sick.
2. Your medical repatriation from the place where You are being treated to:
   a) the most appropriate medical facility closest to Your Primary Residence; or
   b) Your Primary Residence.

RETURN OF CHILDREN: This benefit is payable if You are confined to a Hospital for more than 7 consecutive days. We will pay for the transportation expenses incurred, up to the cost of one round-trip Economy Transportation less the value of any unused return travel ticket, for the return trip home of any dependent children under age 18 who are accompanying You.

BEDSIDE VISIT: This benefit is payable if You were traveling alone at the time You were Injured or became Sick, and the Injury or Sickness results in Your Hospital confinement for more than 7 consecutive days. We will pay for the transportation expenses incurred up to the cost of one round-trip Economy Transportation for one person, that You or Your Family Members designate, to visit You while You are Hospital confined.

REPATRIATION OF REMAINS: If You die during Your Covered Trip, We will pay the Usual and Customary Charges incurred, up to $5,000, for:

1. documentation and authorization from local authorities;
2. embalming or cremation;
3. a container appropriate for the transport of Your remains;
4. transportation of Your remains to the Point of Origin.

Covered Expenses for Medical Evacuation and Return of Remains means:

1. expenses incurred by you for Physician-ordered emergency Medical Evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors’ prior approval;
2. expenses incurred for non-emergency Medical Evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America or Canada, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors’ prior approval;
3. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your place of residence in the United States of America or Canada, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the policy;
4. repatriation expenses for preparation and air transportation of your remains to your place of residence in the United States of America or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America or Canada.

“Medical Evacuation” means Physician-ordered, medically appropriate transportation from the place where you suffer a Sickness or Injury to the nearest medical facility where medically suitable medical care is available or Home as approved by the Program Medical Advisors. An unscheduled return by the same or like mode of transportation as originally scheduled is not a Medical Evacuation.

Emergency Medical Transportation
All medical transportation services must be authorized in advance and organized by the Elvia Hotline Center. In the event that the medical transportation services are not authorized in advance and organized by the Elvia Hotline Center, We will only pay up to $5,000.

We will arrange and pay for medical transportation services (specified below) required by You as a result of an Injury or Illness that occurs during the Coverage Period and requires medical evacuation and/or repatriation.

A medical evacuation is defined as You being transported to the nearest appropriate medical facility as a result of Our consulting Physician and the local attending Physician's determination that adequate treatment is not available locally.

A medical repatriation takes place once You have received medical care and the local attending Physician and Our consulting Physician determines You are able to return home.

All medical transportation services are provided only if they are determined to be Medically Necessary by the hotline center medical staff in consultation with the local attending Physicians. We will arrange and pay, up to the amount indicated in Your Letter of Confirmation for the following services and expenses:

1. Reasonable and necessary medical services required for Your medical evacuation to an appropriate facility nearest to the place where the Injury or Illness occurred;
2. Reasonable and necessary escort expenses required by You during a medical evacuation, if this service is deemed Medically Necessary by Our consulting Physician and the local attending Physician;
3. If Our consulting Physician and the local attending Physician anticipate that You will be hospitalized for more than seven consecutive days, We will pay for either the cost of a round-trip economy airline ticket over the most direct route to bring a friend or Family Member to Your bedside, or the cost to return accompanying dependents under 23 years of age back to their home;
4. The cost of an economy class ticket to repatriate You back home, less any Refunds from any unused return Trip tickets; and
5. The cost for reasonable and necessary services needed for the transport of Your remains from the place of death to Your place of residence.

Covered Expenses for Medical Evacuation and Return of Remains means:

1. expenses incurred by you for Physician-ordered emergency Medical Evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors’ prior approval;
2. expenses incurred for non-emergency Medical Evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America or Canada, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors’ prior approval;
   
   Hospital of Choice
   Subject to the terms and conditions of this item #2, you may choose a Medical Evacuation to a Hospital in a city within the USA or Canada other than your Home city, but the maximum amount payable is limited to the cost of a Medical Evacation to your Home city.
3. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your place of residence in the United States of America or Canada, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the policy;
4. repatriation expenses for preparation and air transportation of your remains to your place of residence in the United States of America or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America or Canada.

Covered Expenses for Medical Evacuation and Return of Remains means:

1. expenses incurred by you for Physician-ordered emergency Medical Evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors’ prior approval;
2. expenses incurred for non-emergency Medical Evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America or Canada, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors’ prior approval;
   
   Hospital of Choice
   Subject to the terms and conditions of this item #2, you may choose a Medical Evacuation to a Hospital in a city within the USA or Canada other than your Home city, but the maximum amount payable is limited to the cost of a Medical Evacation to your Home city.
3. expenses for one-way economy class air fare (or first class, if your original tickets were first class) to your place of residence in the United States of America or Canada, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the policy;
4. repatriation expenses for preparation and air transportation of your remains to your place of residence in the United States of America or Canada, or up to an equivalent amount for a local burial in the country where death occurred, if you die while outside the United States of America or Canada.

Emergency Evacuation: The Insurer will pay benefits for Covered Expenses up to the maximum shown on the Schedule of Coverage and Services if an Accidental Injury or Sickness commencing during the course of the covered Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants an Emergency Evacuation.

Emergency Evacuation:
The Insurer will pay benefits for Covered Expenses up to the maximum shown on the Schedule of Coverages and Services if an Accidental Injury or Sickness commencing during the course of the covered Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants an Emergency Evacuation.

Emergency Evacuation means:

1. Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest hospital where appropriate medical treatment can be obtained;
2. After being treated at a local hospital, Your medical condition warrants transportation to where You reside, to obtain further medical treatment or to recover;
3. 3. All of the above.

Covered Expenses are reasonable and customary expenses for necessary transportation, medical services, and medical supplies incurred in connection with Your Emergency Evacuation. All transportation arrangements made for Your evacuation must be by the most direct and economical route possible.

Expenses for Your Emergency Evacuation must be:

1. Recommended by the attending Physician;
2. Required by the standard regulations of the conveyance transporting You;
3. Verified and approved in advance by AIG Travel Assist.

Transportation means any land, water, or air conveyance required to transport You during an Emergency Evacuation. Transportation includes, but is not limited to, air ambulances, land ambulances, and private motor vehicles. The Insurer will not cover any expenses provided by another party at no cost to You or already included in the cost of the scheduled Trip.
All transportation must be authorized and arranged by AIG Travel Assist.
The Insurer will pay up to $5,000 for reasonable and customary charges for escort expenses required by the Insured, if the Insured is disabled during a Trip and an escort is recommended, in writing, by a Physician.

To access Emergency Assistance, call AIG Travel Assist’s operation center at:
1.800.826.1300 or call collect: 1.715.345.0505

Repatriation of Remains:
The Insurer will pay reasonable covered Expenses incurred to return Your body to Your primary place of residence if You die during the covered Trip. This will not exceed the maximum shown on the Schedule of Coverages and Services. Covered Expenses are limited to the cost of transportation of the body.

Emergency Evacuation: The Insurer will pay benefits for Covered Expenses up to the maximum shown on the Schedule of Coverage and Services if an Accidental Injury or Sickness commencing during the course of the covered Trip results in Your necessary Emergency Evacuation. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your Accidental Injury or Sickness warrants an Emergency Evacuation.

We will pay this benefit for Covered Expenses up to the Maximum Benefit shown on the Certificate Schedule, subject to any limits stated below. We will arrange and pay for Emergency assistance services required by the Insured Person as the result of Illness or Injury occurring during a Covered Trip.

Covered Expenses means Reasonable Expenses for medical services required for evacuation to the nearest adequate medical facility as related to the place where the Injury or Illness occurred. Services and benefits will be arranged only if the treating Physician recommends such evacuation. Covered Expenses will be paid provided the Insured Person is traveling on a Covered Trip and is more than one hundred twenty (120) miles away from their permanent place of residence.

In addition to the above Covered Expenses, when the Insured Person is confined in a medical facility more than 120 miles from his permanent residence and his treating Physician and We determine it is feasible and medically Necessary to transfer the Insured Person to a medical facility nearer their permanent residence to recuperate in familiar surroundings, medical repatriation for the Insured Person will be provided.

These additional Covered Expenses are provided, up to the Maximum Benefit shown on the Certificate Schedule, subject to any limits or reduction for prior payments under this Benefit:

1.Return of Dependent Children. If Dependent children or grandchildren are traveling with the Insured Person, and they are left unattended as a result of a covered Injury or Illness, We will pay for a one-way economy airfare for the child(ren)s return home. A qualified attendant will also be provided, without charge, when required.

2.Visitor to Bedside. If an Insured Person is hospitalized due to a covered Injury or Illness for ten (10) consecutive days or more on a Covered Trip, We will pay for one Family Member to fly, by round trip economy airfare, to the bedside of the Insured Person.

3.Lodging. Following a covered Injury or Illness to the Insured Person, We will pay the Reasonable Expense of a hotel, motel or other lodging room rate for one person, required upon medical advice, to stay with, travel to or escort the Insured Person home up to $200 per day for a maximum of seven (7) days.

4.Return of Vehicle. In the event of the Insured Persons evacuation or repatriation, We will arrange and pay up to $500 to have the Insured Persons rental vehicle returned to the rental agency.

5.Repatriation of Mortal Remains. We will pay for the Reasonable Expenses for transportation of the Insured Persons remains to his or her place of residence if he or she dies during a Covered Trip up to the Maximum Benefit shown on the Certificate Schedule.

We will not pay for any services or Covered Expenses incurred without Our prior consent or approval.

We will pay this benefit for Covered Expenses up to the Maximum Benefit shown on the Certificate Schedule, subject to any limits stated below. We will arrange and pay for Emergency assistance services required by the Insured Person as the result of Illness or Injury occurring during a Covered Trip.

Covered Expenses means Reasonable Expenses for medical services required for evacuation to the nearest adequate medical facility as related to the place where the Injury or Illness occurred. Services and benefits will be arranged only if the treating Physician recommends such evacuation. Covered Expenses will be paid provided the Insured Person is traveling on a Covered Trip and is more than one hundred twenty (120) miles away from their permanent place of residence.

In addition to the above Covered Expenses, when the Insured Person is confined in a medical facility more than 120 miles from his permanent residence and his treating Physician and We determine it is feasible and medically Necessary to transfer the Insured Person to a medical facility nearer their permanent residence to recuperate in familiar surroundings, medical repatriation for the Insured Person will be provided.

These additional Covered Expenses are provided, up to the Maximum Benefit shown on the Certificate Schedule, subject to any limits or reduction for prior payments under this Benefit:

1.Return of Dependent Children. If Dependent children or grandchildren are traveling with the Insured Person, and they are left unattended as a result of a covered Injury or Illness, We will pay for a one-way economy airfare for the child(ren)s return home. A qualified attendant will also be provided, without charge, when required.

2.Visitor to Bedside. If an Insured Person is hospitalized due to a covered Injury or Illness for ten (10) consecutive days or more on a Covered Trip, We will pay for one Family Member to fly, by round trip economy airfare, to the bedside of the Insured Person.

3.Lodging. Following a covered Injury or Illness to the Insured Person, We will pay the Reasonable Expense of a hotel, motel or other lodging room rate for one person, required upon medical advice, to stay with, travel to or escort the Insured Person home up to $200 per day for a maximum of seven (7) days.

4.Return of Vehicle. In the event of the Insured Persons evacuation or repatriation, We will arrange and pay up to $500 to have the Insured Persons rental vehicle returned to the rental agency.

5.Repatriation of Mortal Remains. We will pay for the Reasonable Expenses for transportation of the Insured Persons remains to his or her place of residence if he or she dies during a Covered Trip up to the Maximum Benefit shown on the Certificate Schedule.

We will not pay for any services or Covered Expenses incurred without Our prior consent or approval.

Emergency Evacuation: The Insurer will pay, subject to the limitations set out herein, for Covered Emergency Evacuation Expenses reasonably incurred if You suffer an Injury or Emergency Sickness that warrants Your Emergency Evacuation while You are on a Trip. Benefits payable are subject to the maximum amount per person shown on the Schedule of Coverage and Services for all Emergency Evacuations due to all Injuries from the same Accident or all Emergency Sicknesses from the same or related causes. A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Evacuation and must certify that the severity of Your Injury or Emergency Sickness warrants Your Emergency Evacuation to the closest adequate medical facility. In the sole discretion of the Assistance Company, it must be determined that such Emergency Evacuation is required due to the inadequacy of local facilities. The certification and approval for Emergency Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.
”Covered Emergency Evacuation Expenses” are those for Medically Necessary Transportation, including Reasonable and Customary charges for medical services and supplies incurred in connection with Your Emergency Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting You and (c) reviewed and pre-approved by the Assistance Company. The Insurer will also pay Reasonable and Customary Charges for escort expenses required by You, if You are disabled during a Trip and an escort is recommended in writing, by Your attending Physician and must be pre-approved by the Assistance Company. If You are hospitalized for more than 7 days following a Covered Emergency Evacuation Expense, the Insurer will pay subject to the limitations set out herein, for expenses: 1) to return to the United States where they reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Injury or Emergency Sickness occurred: but not to exceed the cost of a single one-way economy airfare ticket less the value of applied credit from any unused return travel tickets per person. 2) to bring one person chosen by You to and from the Hospital or other medical facility where You are confined if You are traveling alone: but not to exceed the cost of one round-Trip economy airfare ticket.

Medically Necessary Repatriation: Following a covered Emergency Evacuation expense or a covered medical expense, the Insurer will pay to return You from the location to which You were evacuated or became sick or injured to Your return destination or the Hospital of Your choice if medically necessary and authorized by the Assistance Company via Common Carrier, within one year from Your original Trip completion date. Commercial airfare costs will be in the same class of service, as Your original airline tickets, or in business or first class as in compliance with Your medical necessities and requirements upon Your discharge, less refunds from Your unused transportation tickets.

”Emergency Sickness” means an illness or disease, diagnosed by a legally licensed Physician, which meets all of the following criteria: (1) there is a present severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of Your condition or place Your life in jeopardy; (2) the severe or acute symptom occurs suddenly and unexpectedly; and (3) the severe or acute symptom occurs while Your coverage is in force and during Your Trip.

Repatriation of Remains: The Insurer will pay reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the covered Trip. This will not exceed the maximum shown on the Schedule of Coverage and Services. Covered Expenses include, but are not limited to, expenses for embalming, cremation, minimally necessary coffins for transport, and transportation.

The Pre-Existing Conditions Exclusion does not apply to Emergency Evacuation and Repatriation of Remains.
All Transportation must be authorized and arranged by the Assistance Company

Emergency Evacuation:The Insurer will pay, subject to the limitations set out herein, for Covered Emergency Evacuation Expenses reasonably incurred if You suffer an Injury or Emergency Sickness that warrants Your Emergency Evacuation while You are on a Trip. Benefits payable are subject to the maximum amount per person shown on the Schedule of Coverage and Services for all Emergency Evacuations due to all Injuries from the same Accident or all Emergency Sicknesses from the same or related causes. A legally licensed Physician, in coordination with the Assistance Company, must order the Emergency Evacuation and must certify that the severity of Your Injury or Emergency Sickness warrants Your Emergency Evacuation to the closest adequate medical facility. In the sole discretion of the Assistance Company, it must be determined that such Emergency Evacuation is required due to the inadequacy of local facilities. The certification and approval for Emergency Evacuation must be coordinated through the most direct and economical conveyance and route possible, such as air or land ambulance, or commercial airline carrier.
”Emergency Evacuation” means Your medical condition warrants immediate transportation from the place where You are injured or sick to the nearest Hospital where appropriate medical treatment can be obtained. Transportation means any land, sea or air conveyance required to transport You during an Emergency Evacuation.
Transportation includes, but is not limited to, Common Carrier, air ambulances, land ambulances and private motor vehicles.
”Covered Emergency Evacuation Expenses” are those for Medically Necessary Transportation, including Reasonable and Customary Charges for medical services and supplies incurred in connection with Your Emergency Evacuation. Expenses for Transportation must be: (a) recommended by the attending Physician; (b) required by the standard regulations of the conveyance transporting You and (c) reviewed and pre-approved by the Assistance Company.
The Insurer will also pay Reasonable and Customary Charges for escort expenses required by You, if You are disabled during a Trip and an escort is recommended in writing, by Your attending Physician and must be pre-approved by the Assistance Company. If You are hospitalized for more than 7 days following a Covered Emergency Evacuation Expense, the Insurer will pay subject to the limitations set out herein, for expenses: 1) to return to the United States where they reside, with an attendant if necessary, any of Your Dependent Children who were accompanying You when the Injury or Emergency Sickness occurred: but not to exceed the cost of a single one-way economy airfare ticket less the value of applied credit from any unused return travel tickets per person. 2) to bring one person chosen by You to and from the Hospital or other medical facility where You are confined if You are traveling alone: but not to exceed the cost of one round-trip economy airfare ticket.

Medically Necessary Repatriation: Following a covered Emergency Evacuation expense or a covered medical expense, the Insurer will pay to return You from the location to which You were evacuated or became sick or injured to Your return destination or the Hospital of Your choice if medically necessary and authorized by the Assistance Company via Common Carrier, within one year from Your original Trip completion date. Commercial airfare costs will be in the same class of service, as Your original airline tickets, or in business or first class as in compliance with Your medical necessities and requirements upon Your discharge, less refunds from Your unused transportation tickets.

”Emergency Sickness” means an illness or disease, diagnosed by a legally licensed Physician, which meets all of the following criteria:

1. there is a present severe or acute symptom requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of Your condition or place Your life in jeopardy;
2. the severe or acute symptom occurs suddenly and unexpectedly;and
3. the severe or acute symptom occurs while Your coverage is in force and during Your Trip.

Repatriation of Remains: The Insurer will pay reasonable Covered Expenses incurred to return Your body to Your primary residence if You die during the covered Trip. This will not exceed the maximum shown on the Schedule of Coverage and Services. Covered Expenses include, but are not limited to, expenses for embalming, cremation, minimally necessary coffins for transport, and transportation.

The Pre-Existing Conditions Exclusion does not apply to Emergency Evacuation and Repatriation of Remains.

All Transportation must be authorized and arranged by the Assistance Company.

We will pay the Usual and Customary Charges incurred, up to the Maximum Benefit Amount, for:

1. Your medical evacuation to the nearest appropriate Hospital or medical facility if adequate medical treatment is not available where You sustained the Injury or became Sick.
2. Your medical repatriation from the place where You are being treated to:
   a) the most appropriate medical facility closest to Your Primary Residence; or
   b) Your Primary Residence.

RETURN OF CHILDREN: This benefit is payable if You are confined to a Hospital for more than 7 consecutive days. We will pay for the transportation expenses incurred, up to the cost of one round-trip Economy Transportation less the value of any unused return travel ticket, for the return trip home of any dependent children under age 18 who are accompanying You.

BEDSIDE VISIT: This benefit is payable if You were traveling alone at the time You were Injured or became Sick, and the Injury or Sickness results in Your Hospital confinement for more than 7 consecutive days. We will pay for the transportation expenses incurred up to the cost of one round-trip Economy Transportation for one person, that You or Your Family Members designate, to visit You while You are Hospital confined.

REPATRIATION OF REMAINS: If You die during Your Covered Trip, We will pay the Usual and Customary Charges incurred, up to $5,000, for:

1. documentation and authorization from local authorities;
2. embalming or cremation;
3. a container appropriate for the transport of Your remains;
4. transportation of Your remains to the Point of Origin.

MEDICAL EVACUATION/REPATRIATION BENEFITS

You are covered for this Primary benefit up to the Maximum Benefit Amount purchased for: 1) Medical Evacuation which is determined by a Legally Qualified Physician and the authorized Assistance Company's medical director that an Injury or Sickness is acute or life threatening and adequate treatment is not available at a local Hospital. Transportation will be to the closest Hospital or medical facility capable of providing adequate treatment. 2) Medical Repatriation when it is deemed Medically Necessary by a local attending Legally Qualified Physician and the authorized Assistance Company for You to return home or to a Hospital near Your home for continued treatment. Transportation Expenses incurred will be paid for You; a) to return to Your permanent residence or b) to be moved to a Hospital or medical facility closest to Your permanent place of residence capable of providing that treatment; via one-way Economy Transportation; or commercial upgrade, based on Your condition as recommended by the local attending Legally Qualified Physician and the authorized Assistance Company. 3) Repatriation of Remains: In the event of Your covered death, occurring during the Covered Trip, the Company will pay either the cost of the actual expense incurred for preparation, standard container and transportation of Your body or ashes to the outbound point of departure or for the reasonable cost for burial or cremation abroad, in either case not to exceed $5,000. 4) Transportation for the return trip home via Economy Transportation for any dependent children under age 18 who are accompanying You if You are confined to a Hospital for more than seven (7) consecutive days. If You are traveling alone and are confined to a Hospital for more than seven (7) consecutive days, this benefit will provide, upon request by You or Your next of kin, one round-trip Economy Transportation for a person of Your choice to visit You in the Hospital.

These benefits provide Economy Transportation which must be by the most direct route. Covered land or air transportation includes, but is not limited to, commercial stretcher, medical escort, or the Usual and Customary Charges for air ambulance, provided such transportation has been pre-approved and arranged by the authorized Assistance Company. Benefits are paid less the value of an unused return travel ticket. If benefits are payable under this coverage and You have other insurance that may provide benefits for this same loss, the Company reserves the right to recover from such other insurance.

Emergency Medical Evacuation
Subject to the limitations stated below, We will pay up to the maximum benefit shown on the Schedule of Benefits for Covered Expenses, and We will arrange for Emergency assistance serv- ices You require as the result of Emergency Illness or Injury occurring during a Covered Trip.

"Covered Expenses" means Reasonable Expenses for medical services required for evacu- ation to the nearest adequate medical facility from the place where the Injury or Emergency Illness occurred. Services and benefits will be arranged only if the treating Physician recommends such evacuation. Covered Expenses will be paid provid- ed You are traveling on a Covered Trip and are more than 120 miles away from Your primary place of residence. In addition to the above Covered Expenses, when You are confined in a medical facility more than 120 miles from Your primary res- idence and Your treating Physician and We deter- mine it is feasible and medically Necessary to transfer You to a medical facility nearer to Your pri- mary residence to recuperate in familiar surround- ings, medical repatriation will be provided. We will not pay for any services or Covered Expenses incurred without Our prior consent or approval.We willnotpayforanyservicesorCovered Expenses incurred as a result of a Pre-Existing Condition. This Pre-Existing Condition exclusion is waived if You are under the age of 70 and coverage is purchased within 14 days after the date Your initial deposit for the Covered Trip was paid to the Travel Supplier, and all Insureds are medically able to trav- el on the date the coverage is purchased.

Emergency Reunion and Return of Mortal Remains
Subject to the limitations stated below, We will either purchase or pay a total amount not to exceed the maximum benefit shown on the Schedule of Benefits for one or more of the following:

1. A one-way economy airfare for the return home of Your biological or legally adopted children or grandchildren under the age of 18 who are traveling with You and left unattended as a result of Your covered Injury or Emergency Illness. A qualified chaperone will also be provid- ed, without charge, when necessary for the safety of the children.
2. One Family Member to fly, by round trip economy airfare, to Your bedside when You are hospitalized during a Covered Trip due to a covered Injury or Emergency Illness for at least 10 con- secutive days.
3. The reasonable cost of renting a hotel, motel or other lodging room for one per- son, required upon medical advice, to stay with, travel to or escort You home up to $200 per day for a maximum of 7 days.
4. The return of Your rental vehicle to the rental agency in the event of Your evac- uation or repatriation. We also will arrange such rental vehicle return.
5. The reasonable cost of transporting Your remains to Your primary place of res- idence if You die during a Covered Trip.

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits. The Worldwide Assistance Center will arrange for emergency medical transportation services required by the Insured as the result of any Injury or emergency Sickness during a Trip.

Covered Expenses: The Insurer will pay:
(a) Reasonable and necessary charges required for evacuation to the nearest adequate medical facility or home if medically required. This service will be arranged only if the Insured’s Physician determines that adequate medical treatment is not locally available;
(b) Reasonable and necessary charges for services for transportation of the Insured’s remains to his/her place of residence if he/she dies during a Trip. Services must be provided by a provider designated by the Worldwide Assistance Center. Timely notification by the Insured to the Worldwide Assistance Center is required, with regard to emergency evacuation.

Additional Benefits: In addition to the above covered expenses, the Insurer will pay the following benefits:

(a) Return Airfare: If the Insurer has previously evacuated an Insured to a medical facility, the Insurer will pay his/her airfare costs from that facility to the Insured’s Return Destination, within one year from the Insured’s original Contracted Return Date, less refunds from the Insured’s unused transportation tickets. Airfare costs will be economy, or first class if the Insured’s original tickets are first class. This benefit is available only if it is not provided under another coverage in the Policy.
(b) Bedside Visit: If the Insured is hospitalized for more than 7 days following a covered emergency evacuation, the Insurer will pay (subject to the limitations set out herein) expenses to bring one person chosen by the Insured to and from the Hospital or other medical facility where the Insured is confined if the Insured is alone. Such expenses shall not exceed the cost of one round-trip economy airfare ticket.
(c) Return of Children: If the Insured is unable to travel due to a covered emergency evacuation, the Insurer will pay (subject to the limitations set out herein) to return any of the Insured’s Children who were accompanying the Insured when the Injury or emergency Sickness occurred back to the Insured’s residence in the United States or Canada, including the cost of an attendant, if necessary. Such expenses shall not exceed the cost of a one-way economy airfare ticket for each person, less the value of any applied credit from any unused return travel tickets.

Requirements in the Event of a Loss: The Insured must call the Worldwide Assistance Center at 1-866-346-1803 or 1-715-342-3541 (collect) prior to arranging emergency medical transportation. Failure to do so may affect coverage.