Prescription Drugs

Coverage Description
This information relates to the covered benefit for Prescription Drugs while enrolled in the plan. View coverage summary for Prescription Drugs 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	From $85 to $150 per incident Click here for benefit breakdown
	Full Policy Wording	If $50,000 option for Emergency Medical is selected, plan includes up to $85 per injury/sickness If $100,000 option for Emergency Medical is selected, plan includes up to $125, per injury/sickness If $250,000 option for Emergency Medical is selected, plan includes up to $150, per injury/sickness For travelers age 70 and over, $50,00 plan includes up to $70, per injury/sickness MEDICAL EXPENSE BENEFITS – INJURY AND SICKNESS When a covered Injury or Sickness requires treatment by a Physician, this program will provide benefits for the Usual and Customary Charges for Medically Necessary Covered Medical Expenses which exceed the deductible per person for each Injury or Sickness and which are incurred within 26 weeks following the Injury or Sickness. Payment for any Covered Medical Expense will be no more than the Benefit Limit shown for it in the Schedule of Benefits. The total payable for all Covered Medical Expenses will be no more than the Maximum Benefit Limit per Sickness or Injury. Benefits are subject to the Excess Benefits Provision. If a benefit is designated in the Schedule of Benefits, Covered Medical Expenses include: Hospital Miscellaneous Expenses: 1) while Hospital Confined; or 2) for pre-admission expenses for being Hospital Confined. Benefits will be paid for services and supplies such as: the cost of the operating room; laboratory tests; x-ray examination; anesthesia; drugs (excluding take home drugs) or medicines; therapeutic services; and supplies. Prescription Drugs (Outpatient)
2	Seven Corners Inbound USA	From $80 to $200 per incident Click here for benefit breakdown
	Full Policy Wording	If $50,000 option for Emergency Medical is selected, plan includes up to $100, per injury/sickness If $75,000 option for Emergency Medical is selected, plan includes up to $125, per injury/sickness If $100,000 option for Emergency Medical is selected, plan includes up to $150, per injury/sickness If $130,000 option for Emergency Medical is selected, plan includes up to $200, per injury/sickness For travelers age 70 and over, $50,00 plan includes up to $80, per injury/sickness For travelers age 70 and over, $70,00 plan includes up to $110, per injury/sickness MEDICAL EXPENSE BENEFITS – INJURY AND SICKNESS When a covered Injury or Sickness requires treatment by a Physician, this program will provide benefits for the Usual and Customary Charges for Medically Necessary Covered Medical Expenses which exceed the deductible per person for each Injury or Sickness and which are incurred within 26 weeks following the Injury or Sickness. Payment for any Covered Medical Expense will be no more than the Benefit Limit shown for it in the Schedule of Benefits. The total payable for all Covered Medical Expenses will be no more than the Maximum Benefit Limit per Sickness or Injury. Benefits are subject to the Excess Benefits Provision. If a benefit is designated in the Schedule of Benefits, Covered Medical Expenses include: Hospital Miscellaneous Expenses: 1) while Hospital Confined; or 2) for pre-admission expenses for being Hospital Confined. Benefits will be paid for services and supplies such as: the cost of the operating room; laboratory tests; x-ray examination; anesthesia; drugs (excluding take home drugs) or medicines; therapeutic services; and supplies. Prescription Drugs (Outpatient)
3	MEDEX TravMed Abroad	100% of Eligible Expenses covered after deductible
	Full Policy Wording	The Company will pay up to the benefit limit for covered expenses incurred outside the USA during the period of coverage which are the direct result of an Injury or Sickness. Covered medical expenses are necessary services and supplies which are recommended by the attending Physician. They include the services of a legally qualified Physician, charges for hospital confinement and use of operating rooms, charges for anesthetics (including administration), x-ray examinations or treatment, and laboratory tests, ambulance service, drugs, medicines, prosthetics, and therapeutic services and supplies, and emergency dental treatment for relief of pain. The Company will not pay benefits in excess of Reasonable and Customary charges commonly used by providers of medical care in the locality in which the care is furnished
4	Seven Corners Inbound Immigrant	From $100 to $200 per incident Click here for benefit breakdown
	Full Policy Wording	If the $50,000 option for Emergency Medical is selected, plan includes a schedule benefit of $135, per injury/sickness If the $100,000 option for Emergency Medical is selected, plan includes a scheduled benefit of $200 per injury/sickness For travelers age 70 and over, the $50,000 plan includes a scheduled benefit of $100, per injury/sickness MEDICAL EXPENSE BENEFITS – INJURY AND SICKNESS When a covered Injury or Sickness requires treatment by a Physician, the policy will provide benefits for the Usual and Customary Charges for Medically Necessary Covered Medical Expenses which exceed the deductible per person for each Injury or Sickness. Payment for any Covered Medical Expense will be no more than the Benefit Limit shown for it. The total payable for all Covered Medical Expenses will be no more than the Maximum Benefit Limit per Sickness or Injury. Benefits are subject to the Excess Provision. Covered Medical Expenses will be paid under the Schedule of Benefits for loss: Prescription Drugs (Outpatient)
5	MEDEX TravMed Choice US Resident	100% of Eligible Expenses covered after deductible
	Full Policy Wording	This Plan shall pay Reasonable and Customary charges for Covered Expenses, excess of the chosen Deductible and Coinsurance up to the selected Medical Maximum, incurred by you due to an accidental Injury or Illness which occurred during the Period of Coverage outside your Home Country (except as provided under the Home Country Coverage). All bodily disorders existing simultaneously which are due to the same or related causes shall be considered one Disablement. If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. The initial treatment of an Injury or Illness must occur within 30 days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges, are incurred within the period of coverage, and which are not excluded shall be considered Covered Expenses: Charges for Medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical Treatment.
6	MEDEX TravMed Choice Inbound to US	100% of Eligible Expenses covered after deductible and co-insurance
	Full Policy Wording	Covered Accident and Sickness Medical Expenses: For the purpose of this section, only such expenses, incurred as the result of a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in Section III, Exclusions, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, and medical Treatment.
7	MNU Atlas International excluding US Visit	100% of Eligible Expenses covered after deductible
	Full Policy Wording	Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs.
8	MNU Atlas America including US Visit	100% of Eligible Expenses covered after deductible and co-insurance
	Full Policy Wording	Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacment of lost, stolen, damaged, expired or otherwise compromised drugs.
9	USA-ASSIST Global Travel Medical Gold	100% of Eligible Expenses covered to the selected Policy Maximum after deductible
	Full Policy Wording	When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Per Occurrence deductible, up to the Per Occurrence Maximum of USD 60,000. In no event shall the Company's maximum liability exceed the maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period deductibles per family under the same application will apply. Only such expenses, incurred as the result of and within twenty-six (26) weeks from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon..
10	USA-ASSIST Global Travel Medical Standard	100% of Eligible Expenses covered to the selected Policy Maximum after deductible
	Full Policy Wording	When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Per Occurrence deductible, up to the Per Occurrence Maximum of USD 60,000. In no event shall the Company's maximum liability exceed the maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period deductibles per family under the same application will apply. Only such expenses, incurred as the result of and within twenty-six (26) weeks from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon..
11	USA-ASSIST Global Travel Medical Executive	100% of Eligible Expenses covered to the selected Policy Maximum after deductible
	Full Policy Wording	When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Per Occurrence deductible, up to the Per Occurrence Maximum of USD 60,000. In no event shall the Company's maximum liability exceed the maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period deductibles per family under the same application will apply. Only such expenses, incurred as the result of and within twenty-six (26) weeks from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon..
12	USA-ASSIST Global Travel Medical Platinum	100% of Eligible Expenses covered to the selected Policy Maximum after deductible
	Full Policy Wording	When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Per Occurrence deductible, up to the Per Occurrence Maximum of USD 60,000. In no event shall the Company's maximum liability exceed the maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period deductibles per family under the same application will apply. Only such expenses, incurred as the result of and within twenty-six (26) weeks from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon..
13	USA-ASSIST Global Travel Medical Titanium	100% of Eligible Expenses covered to the selected Policy Maximum after deductible
	Full Policy Wording	When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Per Occurrence deductible, up to the Per Occurrence Maximum of USD 60,000. In no event shall the Company's maximum liability exceed the maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period deductibles per family under the same application will apply. Only such expenses, incurred as the result of and within twenty-six (26) weeks from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon..
14	USA-ASSIST Global Travel Medical Diamond	100% of Eligible Expenses covered to the selected Policy Maximum after deductible
	Full Policy Wording	When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Per Occurrence deductible, up to the Per Occurrence Maximum of USD 60,000. In no event shall the Company's maximum liability exceed the maximum as stated on the ID Card. The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under this Policy. These expenses must be borne by each Insured Person. A maximum of 3 Policy Period deductibles per family under the same application will apply. Only such expenses, incurred as the result of and within twenty-six (26) weeks from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in PART IV - EXCLUSIONS, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon..
15	HTH TravelGap Voyager	50% of Eligible Expenses after deductible
	Full Policy Wording	Plan Payment After the Insured Participant satisfies any required Deductible, payment of Covered Expenses is provided as defined below: Limited Benefits Regardless of the Insured Person’s Out-of-Pocket Maximum, the Insurer pays: Outside the U.S. for Outpatient prescription drugs 50% of Reasonable Charges for Covered Expenses;
16	HTH TravelGap Excursion	100% of Eligible Expenses covered after deductible
	Full Policy Wording	Outside the U.S. Outpatient prescription drugs 100% of Covered Expenses
17	HTH TravelGap Voyager	50% of Eligible Expenses after deductible
	Full Policy Wording	Plan Payment After the Insured Participant satisfies any required Deductible, payment of Covered Expenses is provided as defined below: Limited Benefits Regardless of the Insured Person’s Out-of-Pocket Maximum, the Insurer pays: Outside the U.S. for Outpatient prescription drugs 50% of Reasonable Charges for Covered Expenses;
18	HTH TravelGap Excursion	100% of Eligible Expenses covered after deductible
	Full Policy Wording	Outside the U.S. Outpatient prescription drugs 100% of Covered Expenses
19	Global Underwriters Diplomat America	100% of Eligible Expenses covered after deductible and co-insurance
	Full Policy Wording	Covered Expenses Only such expenses incurred as the result of and within 52 weeks from a Disablement, which shall mean an illness or an accidental bodily Injury necessitating medical treatment, and which are specifically enumerated in the following list of charges: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; 5. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist;
20	Global Underwriters Diplomat LT	100% of Eligible Expenses covered after deductible and co-insurance
	Full Policy Wording	Covered Expenses Only such expenses incurred as the result of and within 52 weeks from a Disablement, which shall mean an illness or an accidental bodily Injury necessitating medical treatment, and which are specifically enumerated in the following list of charges: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; 5. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist;
21	Global Underwriters Diplomat International	100% of Eligible Expenses covered after deductible
	Full Policy Wording	Covered Expenses Only such expenses incurred as the result of and within 52 weeks from a Disablement, which shall mean an illness or an accidental bodily Injury necessitating medical treatment, and which are specifically enumerated in the following list of charges: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radio-active isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; 5. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist;
22	HTH TravelGap Voyager	50% of Eligible Expenses after deductible
	Full Policy Wording	Plan Payment After the Insured Participant satisfies any required Deductible, payment of Covered Expenses is provided as defined below: Limited Benefits Regardless of the Insured Person’s Out-of-Pocket Maximum, the Insurer pays: Outside the U.S. for Outpatient prescription drugs 50% of Reasonable Charges for Covered Expenses;
23	HTH TravelGap Excursion	100% of Eligible Expenses covered after deductible
	Full Policy Wording	Outside the U.S. Outpatient prescription drugs 100% of Covered Expenses
24	Seven Corners Liaison International	100% of Eligible Expenses covered to the selected Policy Maximum after deductible and co-insurance
	Full Policy Wording	When you incur a covered Injury or Illness, the program will pay Usual, Reasonable and Customary medical charges for Covered Expenses, excess of the chosen Deductible and Coinsurance, up to the selected Policy Maximum. Only such expenses, incurred as the result of a disablement, which are specifically enumerated in the following list of charges, are incurred within six months from the onset of an Injury or Illness, and which are not excluded in the Exclusions, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon.
25	Seven Corners Liaison International	100% of Eligible Expenses covered to the selected Policy Maximum after deductible and co-insurance
	Full Policy Wording	When you incur a covered Injury or Illness, the program will pay Usual, Reasonable and Customary medical charges for Covered Expenses, excess of the chosen Deductible and Coinsurance, up to the selected Policy Maximum. Only such expenses, incurred as the result of a disablement, which are specifically enumerated in the following list of charges, are incurred within six months from the onset of an Injury or Illness, and which are not excluded in the Exclusions, shall be considered as Covered Expenses: Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon.