Medical Deductible Full Policy Wording

Each policy’s Medical Deductible coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Trip Cancellation Plan
April Travel Protection

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

2

Choice
April Travel Protection

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

3

Choice
April Travel Protection

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

4

Pandemic Plus
April Travel Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

“Deductible” means the dollar amount You must contribute to the loss.

Arch RoamRight
Arch RoamRight

5

Essential
Arch RoamRight

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

4) benefits are subject to a $50 deductible for each occurrence.

6

Preferred
Arch RoamRight

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

4) benefits are subject to a $50 deductible for each occurrence.

7

Multi-Trip
Arch RoamRight

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

8

Beacon America incl US
Azimuth Risk Solutions, LLC

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible: The dollar amount of Eligible Medical Expenses specified in the Declaration, that the Participating Member must pay per Period of Insurance prior to receiving benefits under this insurance, and exclusive of Coinsurance.

9

Beacon International excl US
Azimuth Risk Solutions, LLC

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible: The dollar amount of Eligible Medical Expenses specified in the Declaration, that the Participating Member must pay per Period of Insurance prior to receiving benefits under this insurance, and exclusive of Coinsurance.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

10

ExactCare
Berkshire Hathaway Travel Protection

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

11

ExactCare Value
Berkshire Hathaway Travel Protection

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

GeoBlue
GeoBlue

12

Voyager Choice
GeoBlue

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductibles

Deductibles are prescribed amounts of Covered Expenses the Covered Person must pay before benefits are available. The Deductible applies to all Covered Expenses, unless otherwise stated. Only Covered Expenses are applied to the Deductible. Any expenses the Covered Person incurs in addition to Covered Expenses are never applied to any Deductible.

Deductibles will be credited on the Insurer’s files in the order in which the Covered Person’s claims are processed, not necessarily in the order in which he/she receives the service or supply.

If the Covered Person submits a claim for services which have a maximum payment limit and his/her Period of Insurance Deductible is not satisfied, the Insurer will only apply the allowed per visit, per day, or per event amount (whichever applies) toward any applicable Deductible.

13

Voyager Essential
GeoBlue

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductibles

Deductibles are prescribed amounts of Covered Expenses the Covered Person must pay before benefits are available. The Deductible applies to all Covered Expenses, unless otherwise stated. Only Covered Expenses are applied to the Deductible. Any expenses the Covered Person incurs in addition to Covered Expenses are never applied to any Deductible.

Deductibles will be credited on the Insurer’s files in the order in which the Covered Person’s claims are processed, not necessarily in the order in which he/she receives the service or supply.

If the Covered Person submits a claim for services which have a maximum payment limit and his/her Period of Insurance Deductible is not satisfied, the Insurer will only apply the allowed per visit, per day, or per event amount (whichever applies) toward any applicable Deductible.

14

Trekker Choice excl US
GeoBlue

Medical Deductible Benefits

$50 per person

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Full Policy Wording

Deductible – $50 per Covered Person per Period of Insurance

Deductible means the amount of Covered Expenses the Covered Person must pay for Covered Services before benefits are available to him/her under this Certificate

15

Trekker Essential excl US
GeoBlue

Medical Deductible Benefits

$50 per person

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Full Policy Wording

Deductible – $50 per Covered Person per Period of Insurance

Deductible means the amount of Covered Expenses the Covered Person must pay for Covered Services before benefits are available to him/her under this Certificate

Global Underwriters
Global Underwriters

16

Diplomat America
Global Underwriters

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

17

Diplomat LT excl US
Global Underwriters

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

18

Diplomat LT incl US
Global Underwriters

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

HTH Travel Insurance
HTH Travel Insurance

19

TravelGap Voyager excl US
HTH Travel Insurance

Medical Deductible Benefits

$250 per person

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Full Policy Wording

The deductible is $0, $100, $250 or $500 Per Person as selected.

20

TripProtector Preferred
HTH Travel Insurance

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

21

TravelGap Excursion excl US
HTH Travel Insurance

Medical Deductible Benefits

$250 per person

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Full Policy Wording

The deductible is $0, $100, $250 or $500 Per Person as selected.

22

TripProtector Economy
HTH Travel Insurance

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

23

TripProtector Classic
HTH Travel Insurance

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

INF Visitor Care
INF Visitor Care

24

TravelCare Basic
INF Visitor Care

Medical Deductible Benefits

$250 per occurrence

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Full Policy Wording

“Deductible" means the dollar amount of Covered Expenses that must be incurred as an out-of-pocket expense by each Covered Person per Covered Accident or Sickness basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis are payable under the Policy.

25

TravelCare Plus
INF Visitor Care

Medical Deductible Benefits

$500 per person

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Full Policy Wording

Deductible per individual sickness or injury: $500.

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out-of-pocket expense by each Covered Person per Covered Accident or Sickness basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis are payable under the Policy.

26

Traveler USA
INF Visitor Care

Medical Deductible Benefits

$500 per person

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Full Policy Wording

Deductible per individual sickness or injury: $500.

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out-of-pocket expense by each Covered Person per Covered Accident or Sickness basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis are payable under the Policy.

MedjetAssist
MedjetAssist

27

Annual Membership
MedjetAssist

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

28

MedjetAssist Extended Stay
MedjetAssist

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

29

MedjetAssist Short Term Plan
MedjetAssist

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

Seven Corners Inc
Seven Corners Inc

30

RoundTrip Economy
Seven Corners Inc

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

31

RoundTrip Elite
Seven Corners Inc

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

32

Wander Frequent Traveler excl US
Seven Corners Inc

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible, Copay and Coinsurance:

The Deductible and Coinsurance are per Insured Person. The Deductible applies per Covered Trip and Coinsurance applies per Period of Coverage. Both are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate.

Deductible:

The amount of Covered Expenses as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Deductible is separate from the Copay and Coinsurance.

33

Liaison Travel Choice excl US
Seven Corners Inc

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible: The amount of Covered Expenses as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Deductible is separate from the Copay and Coinsurance.

Deductible:

The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance.

Deductible, Copay and Coinsurance:

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate.

34

Liaison Travel Basic excl US
Seven Corners Inc

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible: The amount of Covered Expenses as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Deductible is separate from the Copay and Coinsurance.

Deductible, Copay and Coinsurance. Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per service or supply and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Deductible:

The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance.

Copay:

The Copay is set forth in the Schedule of Benefits. It is separate from and does not include Deductible or Coinsurance.

Coinsurance Outside the United States:

See the Schedule of Benefits.

Tin Leg
Tin Leg

35

Economy
Tin Leg

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

36

Standard
Tin Leg

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

37

Luxury
Tin Leg

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

38

Adventure
Tin Leg

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

39

USA Only
Tin Leg

Medical Deductible Benefits

No Medical Deductible

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Full Policy Wording

There is no Medical Deductible with this plan.

Tokio Marine HCC - Medical Insurance Services Group
Tokio Marine HCC - Medical Insurance Services Group

40

Atlas International excl US
Tokio Marine HCC - Medical Insurance Services Group

Medical Deductible Benefits

$250 per person

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Full Policy Wording

$0, $100, $250, $500, $1,000, $2,500, or $5,000 per Certificate Period

Deductible means the dollar amount of eligible expenses, specified in the Schedule of Benefits and Limits that you must pay per certificate period before eligible expenses are paid.

Trawick International
Trawick International

41

Safe Travels USA
Trawick International

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible per Policy Period: $0; $50; $100; $250; $500; $1,000; $2,500; $5,000

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out of-pocket expense by each Covered Person on a per Policy Term basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis, are payable under the Policy.

42

Safe Travels International Cost Saver excl US
Trawick International

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible per Policy Period:

$0; $50; $100; $250; $500; $1,000; $2,500 or $5,000 as selected.

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out of-pocket expense by each Covered Person on a per Policy Term basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis, are payable under the Policy.

43

Safe Travels USA Cost Saver
Trawick International

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible per Policy Period:

$ 0; $ 50; $ 100; $ 250; $ 500; $ 1,000; $2,500, $5,000 as selected

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out-of-pocket expense by each Covered Person on a per Policy Term basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis, are payable under the Policy.

Urgent Care Co-Pay $30

(If the $0 is chosen, there is no co-pay)

44

Safe Travels USA Comprehensive
Trawick International

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible Choices per Policy Period:

In Network $0

Out of Network $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

We will not pay for any Accidental Death, Dismemberment or Paralysis loss or Injury that is caused by, or results from:

17. Emergency Room Illness with no direct Hospital Admission – $200 additional deductible per visit. Only applies when receiving care in an emergency room for an Illness that does not result in a hospital admittance,

Urgent Care Co-Pay $30

(If the $0 is chosen, there is no co-pay)

45

Safe Travels Outbound excl US
Trawick International

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

46

Safe Travels Outbound Cost Saver excl US
Trawick International

Medical Deductible Benefits

$250 per person

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Full Policy Wording

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

47

Global Travel Medical Diamond
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US $50. Deductible is per person per Occurrence.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

48

Global Travel Medical Executive
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US $50. Deductible is per person per Occurrence.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

49

Global Travel Medical Gold
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US $50. Deductible is per person per Occurrence.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

50

Global Travel Medical Platinum
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US $50. Deductible is per person per Occurrence.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

51

Global Travel Medical Standard
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US $50. Deductible is per person per Occurrence.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

52

Global Travel Medical Titanium
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US $50. Deductible is per person per Occurrence.

Deductible shall mean the amount of Covered Expenses which is Your responsibility to pay before benefits under the plan are payable.

53

GlobalTrip Classic
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US$ 50 deductible per occurrence. 

Maximum of 3 Policy Period deductibles per family under the same application.

54

GlobalTrip Saver
USA-Assist Worldwide Protection

Medical Deductible Benefits

$50 per occurrence

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Full Policy Wording

US$ 50 deductible per occurrence. 

Maximum of 3 Policy Period deductibles per family under the same application.