Surgery

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on the Confirmation of Coverage subject to a $50 deductible, if You incur Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury that occurs or Sickness that first manifests itself during the Covered Trip.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury or Sickness.

Covered Medical Expenses are necessary services and supplies that are recommended by the attending Physician. They include but are not limited to:

• (a) the services of a Physician;
• (b) charges for Hospital confinement and use of operating rooms;
• (c) charge for anesthetics (including administration); X-ray examinations or treatments, and laboratory tests;
• (d) ambulance service; and
• (e) drugs, medicines, prosthetics and therapeutic services and supplies.
The Company will not pay benefits in excess of the Reasonable and Customary charges. Reasonable and Customary charges mean charges commonly used by Physicians in the locality in which care is furnished.

The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Covered Trip.

The Company will pay benefits, up to $750, for emergency dental treatment for Accidental Injury to sound natural teeth.

The Company will advance payment to a Hospital, up to the maximum shown on the Confirmation of Coverage, if needed to secure Your admission to a Hospital because of an Accidental Injury or Sickness.

If You are hospitalized due to an Accidental Injury or Sickness which first occurred during the course of the scheduled Covered Trip beyond the date of the Scheduled Return Date, coverage will be extended until You are released from the Hospital or until maximum benefits under the Policy have been paid.

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on the Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury that occurs or Sickness that fi rst manifests itself during the Covered Trip.

Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the Accidental Injury or Sickness. Covered Medical Expenses are necessary services and supplies that are recommended by the attending Physician. They include but are not limited to:

• (a) the services of a Physician;
• (b) charges for Hospital confinement and use of operating rooms;
• (c) charge for anesthetics (including administration); X-ray examinations or treatments, and laboratory tests;
• (d) ambulance service; and
• (e) drugs, medicines, prosthetics and therapeutic services and supplies.

The Company will advance payment to a Hospital, up to the maximum shown on the Confirmation of Coverage, if needed to secure Your admission to a Hospital because of an Accidental Injury or Sickness.

If You are hospitalized due to an Accidental Injury or Sickness which first occurred during the course of the scheduled Covered Trip beyond the date of the Scheduled Return Date, coverage will be extended until You are released from the Hospital or until maximum benefits under the Policy have been paid.

PET MEDICAL EXPENSE
If Your cat or dog is accompanying You on the Covered Trip and as a result of sickness or accidental injury that fi rst manifests itself or first occurs during the Covered Trip, incurs Emergency Medical Treatment, the Company will pay benefits up to $1,000 subject to a $50 deductible, if Your cat or dog incurs Covered Medical Expenses.

Emergency Medical Treatment means necessary medical treatment, including services and supplies, which must be performed during the Covered Trip due to the serious and acute nature of the sickness or accidental injury. Covered Medical Expenses means necessary services and supplies that are recommended by the attending licensed Veterinarian.