Home Country Coverage

Coverage Description
Home Country Coverage provides benefits for incidental trips to the Insured's home country. Restrictions and reduced benefits may apply. Some policies provide optional cover for this benefit at an additional cost. Please refer to the policy wording for full details. View coverage summary for Home Country Coverage for the policies below
International Medical Insurance - Medical insurance for any nationality traveling outside their home country.
#	Company / Plan Name	Benefit
1	Travelers Liberty Travelers Liberty	No coverage
	Full Policy Wording	No coverage
2	Seven Corners Inbound USA	No coverage
	Full Policy Wording	No coverage
3	Seven Corners Liaison International, Inc US Visit	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (60 days per 12 months of purchased coverage or pro rata thereof - example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to your Home Country.
4	MEDEX TravMed Abroad	No coverage
	Full Policy Wording	No coverage
5	Seven Corners Inbound Immigrant	No coverage
	Full Policy Wording	No coverage
6	MEDEX TravMed Choice US Resident	Covered for up to 60 days per 12 months purchased $25,000 max
	Full Policy Wording	Incidental Trips to the Home Country: Home Country Coverage If during an incidental trip to your country of residence, you suffer an Injury or Sickness, the Insurer shall pay up to $25,000 of expenses.
7	MEDEX TravMed Choice Inbound to US	Covered for 60 days per 12 months purchased $25,000 max
	Full Policy Wording	INCIDENTAL HOME COUNTRY BENEFIT Accident and Sickness Medical Incidental Home Country Benefit Period. As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance during incidental return trips to his/her Home Country ("Incidental Trips") up to a cumulative total of sixty (60) days during the Period of Coverage, provided that: The Insured Person has departed his/her Home Country prior to any Incidental Trip; and The Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage; and The intention or purpose of the Insured Person's return trip to the Home Country is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country; and The Insured Person's return trip to the Home Country does not result in receiving Treatment for an Injury incurred or sustained while traveling outside of his/her Home Country. Only those expenses specifically described above which are incurred within the Insured Person’s Home Country for an Illness or Injury which occurred inside the Insured Person’s Home Country as stated in Your Schedule of Coverage and Service, Sickness Medical, Home Country Benefit, per 12 months of coverage, or pro rata thereof.
8	MNU Atlas International excluding US Visit	Covered for 15 days per 3 months purchased
	Full Policy Wording	Incidental Home Country Medical Coverage For every three months of coverage purchased, the Atlas Series provides up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to the Home County must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
9	MNU Atlas America including US Visit	Covered for 15 days per 3 months purchased
	Full Policy Wording	Incidental Home Country Medical Coverage For every three months of coverage purchased, the Atlas Series provides up to 15 days of incidental coverage for trips to your Home Country. Incidental visit time must be used within the three-month period earned, and the member must continue his or her international trip in order to be eligible for this benefit, which covers Medical expenses only. Return to the Home County must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
10	USA-ASSIST Global Travel Medical Gold	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)
11	USA-ASSIST Global Travel Medical Standard	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)
12	USA-ASSIST Global Travel Medical Executive	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)
13	USA-ASSIST Global Travel Medical Platinum	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)
14	USA-ASSIST Global Travel Medical Titanium	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)
15	USA-ASSIST Global Travel Medical Diamond	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Coverage under the program is valid for incidental trips to the Insured Person’s Home Country for up to 60 (sixty) days per 12 months of coverage, or pro rata thereof. Covered Expenses described in the Medical Expense Benefit which are incurred in the Home Country of the Insured Persons, and not listed in the Exclusions, are limited to a maximum of $50,000 while in the Home Country of the Insured Person, subject to the selected Deductible and Coinsurance. Coverage will be limited to $5,000 for conditions first diagnosed outside the Insured Person’s Home Country. (sublimits do not apply after Emergency Evacuation / Repatriation)
16	HTH TravelGap Voyager	No coverage
	Full Policy Wording	No coverage
17	HTH TravelGap Excursion	No coverage
	Full Policy Wording	No coverage
18	HTH TravelGap Voyager	No coverage
	Full Policy Wording	No coverage
19	HTH TravelGap Excursion	No coverage
	Full Policy Wording	No coverage
20	Global Underwriters Diplomat America	No coverage
	Full Policy Wording	No coverage
21	Global Underwriters Diplomat LT	Selectable option for Home Country Coverage of 5 days per month puchased Minumim purchase of 30 days required Click plan detail button to add option to plan
	Full Policy Wording	Home Country Coverage If a covered person has been enrolled on this plan for a minimum of 30 days, coverage for an incidental trip to your Home Country, as listed on your application, is available up to a maximum of two (2) months per twelve (12) months of coverage. Coverage shall be prorated five (5) days for each month purchased, in the event that an insured person’s coverage is less than twelve (12) months. Any claims paid are subject to the deductible and co-insurance and the medical benefit amount is reduced by 50% to a maximum of $ 75,000.
22	Seven Corners Liaison International, Excludes US Visit	Covered for 60 days per 12 months purchased $50,000 max
	Full Policy Wording	Home Country Coverage Incidental Trips to Your Home Country: This benefit covers you for incidental trips to your Home Country (60 days per 12 months of purchased coverage or pro rata thereof - example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to your Home Country. Follow Me Home Coverage: This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions that are first diagnosed and treated outside Your Home Country (Does not apply for Emergency Medical Evacuation or Repatriation).
23	HTH TravelGap Voyager	No coverage
	Full Policy Wording	No coverage
24	HTH TravelGap Excursion	No coverage
	Full Policy Wording	No coverage