What is Emergency Medical?

Emergency Medical

The table below shows you at a glance which company provides the most comprehensive coverage for the Emergency Medical element within your policy.

If you see a plan listed more than once, this means the plan offers different coverage for the residents of the states listed next to the plan name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

Coverage Description

Pays for the cost of treatment associated with a medical emergency incurred while traveling.

View full coverage summary for Emergency Medical for the policies below

# Provider / Plan Name Benefit
1 Air Ambulance Card
Air Ambulance Card - Standard Annual
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

2 Air Ambulance Card
Air Ambulance Card - Extended Stay 6 Months
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

3 Air Ambulance Card
Air Ambulance Card - Extended Stay 12 Months
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

4 APRIL Travel Protection
Economy Plan
$50,000 per person Primary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND EMERGENCY SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits, subject to the Deductible, if You incur necessary Covered Expenses while on your Covered Trip and as a result of an Accidental Injury or Emergency Sickness which first manifests itself during the Covered Trip.

Covered Expenses are Medically Necessary services and supplies which 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) Hospital or ambulatory medical-surgical center services (this may also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);

d) charges for anesthetics (including administration);

e) x-ray examinations or treatments, and laboratory tests;

f) ambulance service;

g) drugs, medicines, prosthetics and therapeutic services and supplies; and

h) emergency dental treatment for the relief of pain.

We will pay benefits, up to $1,000, for emergency dental treatment for Accidental Injury to sound natural teeth.We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

5 APRIL Travel Protection
VIP Plan
$250,000 per person Primary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND EMERGENCY SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits, subject to the Deductible, if You incur necessary Covered Expenses while on your Covered Trip and as a result of an Accidental Injury or Emergency Sickness which first manifests itself during the Covered Trip.

Covered Expenses are Medically Necessary services and supplies which 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) Hospital or ambulatory medical-surgical center services (this may also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);

d) charges for anesthetics (including administration);

e) x-ray examinations or treatments, and laboratory tests;

f) ambulance service;

g) drugs, medicines, prosthetics and therapeutic services and supplies; and

h) emergency dental treatment for the relief of pain.

We will pay benefits, up to $1,000, for emergency dental treatment for Accidental Injury to sound natural teeth.We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

6 APRIL Travel Protection
Trip Cancellation Plan
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

7 APRIL Travel Protection
Multi-Trip Plan Universal
$50,000 per person Primary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND EMERGENCY SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits, subject to the Deductible, if You incur necessary Covered Expenses while on your Covered Trip and as a result of an Accidental Injury or Emergency Sickness which first manifests itself during the Covered Trip.

Covered Expenses are Medically Necessary services and supplies which 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) Hospital or ambulatory medical-surgical center services (this may also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);

d) charges for anesthetics (including administration);

e) x-ray examinations or treatments, and laboratory tests;

f) ambulance service;

g) drugs, medicines, prosthetics and therapeutic services and supplies; and

h) emergency dental treatment for the relief of pain.

We will pay benefits, up to $1,000, for emergency dental treatment for Accidental Injury to sound natural teeth.We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

8 APRIL Travel Protection
Multi-Trip Plan Elite
$100,000 per person Primary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND EMERGENCY SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits, subject to the Deductible, if You incur necessary Covered Expenses while on your Covered Trip and as a result of an Accidental Injury or Emergency Sickness which first manifests itself during the Covered Trip.

Covered Expenses are Medically Necessary services and supplies which 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) Hospital or ambulatory medical-surgical center services (this may also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);

d) charges for anesthetics (including administration); (e) x-ray examinations or treatments, and laboratory tests;

f) ambulance service; (g) drugs, medicines, prosthetics and therapeutic services and supplies; and

h) emergency dental treatment for the relief of pain.

We will pay benefits, up to $1,000, for emergency dental treatment for Accidental Injury to sound natural teeth.We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

9 APRIL Travel Protection
Choice
$50,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT OR SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

“Covered Medical Expenses” are Medically Necessary services and supplies which 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, Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury);

c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

d) ambulance service;

e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip. We will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth. We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

10 AXA Assistance USA
Silver
$25,000 per person Secondary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

“Covered Medical Expenses” are Medically Necessary services and supplies which 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, Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury);

c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

d) ambulance service;

e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will pay benefits, up to $250.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

EXCESS INSURANCE LIMITATION: The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of Loss, over the amount of such other insurance or indemnity, and applicable Deductible.

11 AXA Assistance USA
Gold
$100,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

“Covered Medical Expenses” are Medically Necessary services and supplies which 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, Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury);

c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

d) ambulance service;

e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will pay benefits, up to $500.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

12 AXA Assistance USA
Platinum
$250,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

“Covered Medical Expenses” are Medically Necessary services and supplies which 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, Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury);

c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

d) ambulance service;

e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

13 Azimuth Risk Solutions, LLC
Beacon America incl US
$60,000 per person Secondary coverage Quote

Full Policy Wording

30. ELIGIBLE MEDICAL EXPENSES -­‐ Subject to the Terms of this insurance, including without limitation the Deductible, Coinsurance, and limits and sub-­‐limits set forth in the Schedule of Benefits/Limits, Section 21, and the Exclusions set forth in Section 31, below, the Scheme Administrator will reimburse the Participating Member for the following costs, charges and expenses incurred by the Participating Member with respect to an Illness or Injury suffered or sustained by the Participating Member while the Evidence of Insurance issued by the Master Policy is in effect, so long as the costs, charges or expenses are Usual, Reasonable and Customary (“Eligible Medical Expenses”):

30.1 Charges incurred at a Hospital for: 30.1.1 daily room and board and nursing services subject to the Schedule of Benefits/Limits; and

30.1.2 daily room and board and nursing services in Intensive Care Unit; and

30.1.3 use of operating, Treatment or recovery room; and

30.1.4 services and supplies which are routinely provided by the Hospital to persons for use while Inpatient; And Emergency Treatment of an Injury, even if Hospital confinement is not required; and

30.1.5 Emergency Room Treatment of an Illness; however an additional $250 deductible will be required unless the Participating Member is directly admitted to the Hospital as Inpatient for further Treatment of that Illness; and

30.2 Charges incurred for Surgery at an Outpatient Surgical facility: Charges by a Physician for professional services rendered, including Surgery; provided, however, that charges by or for an assistant surgeon will be limited and covered at the rate of twenty percent (20%) of the Usual, Reasonable and Customary charge of the primary surgeon; and provided, further, that standby availability of a Physician or surgeon will not be deemed to be a professional service and is not eligible for coverage; and

30.3 Other Charges incurred for Surgery at an Outpatient Surgical Facility including services and supplies;

30.3.1 dressings, sutures, casts or other supplies that are Medically Necessary; and

30.3.2 diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, behavioral and educational testing are not included); and

30.3.3 basic functional artificial limbs, eye or larynx or breast prostheses, but not the replacement or repair thereof; and

30.3.4 reconstructive surgery which is directly related to a Surgery which is covered under this insurance; and

30.3.5 radiation therapy or Treatment, and chemotherapy; and

30.3.6 hemodialysis and the charges by a Hospital for processing and administration of blood or blood components, but not the cost of the actual blood or blood components; and

30.3.7 oxygen and other gasses and their administration; and

30.3.8 anesthetics and their administration by a Physician; and

30.3.9 drugs which require prescription by a Physician for Treatment of Illness or Injury, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of ninety (90) days of any one prescription; and

30.3.10 careinalicensedExtendedCareFacilityupondirecttransferfromanacutecareHospital;and

30.3.11 Home Nursing Care in bed by a qualified licensed professional, provided by a Home Health Care Agency upon direct transfer from an acute care Hospital; and

30.3.12 Emergency local ambulance transport necessarily incurred in connection with Illness or Injury resulting in Hospitalization; and

30.3.13 Emergency Dental (Acute onset of pain) Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident that is covered under this insurance subject to the Schedule of Benefit and Limits;

30.3.13.1 For policies purchased more than ninety (90) days.

30.3.13.2 $100 Maximum Limit per Policy Period.

30.3.14 physical therapy prescribed by a Physician and performed by a professional physical therapist, and necessarily incurred to continue recovery from a covered Injury or covered Illness, up to the limit set forth in SCHEDULE OF BENEFITS AND LIMITS ; and

30.4 Charges Related to Terrorism – The Scheme Administrators will pay Eligible Medical Expenses for Treatment of Injuries and Illnesses resulting from an Act of Terrorism, up to the limit set forth in SCHEDULE OF BENEFITS AND LIMITS, provided all of the following conditions are met:

30.4.1 The Injury or Illness does not result from the use of any biological, chemical, Radioactive or nuclear agent, material, device or weapon; and

30.4.2 The Participating Member has no direct or indirect involvement in the Act of Terrorism; and

30.4.3 The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the one hundred and eighty days (180) immediately prior to the Participating Member’s date of arrival; and

30.4.4 The Participating Member has not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

30.5 Sudden Onset of a Pre-­‐Existing Condition -­‐ An unexpected outbreak or recurrence of a Pre-­‐existing Condition, which occurs unexpectedly and without advance warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within twenty four (24) hours of the sudden and unexpected occurrence of pain this includes when the Sudden On-­‐set of a pre-­‐existing Condition that results in Medical Evacuation up to the Maximum Limits set forth in the Schedule of Benefits/Limits. The Scheme Administrator will pay up to the limit set forth in SCHEDULE OF BENEFITS AND LIMITS, provided all of the following conditions are met.

14 Azimuth Risk Solutions, LLC
Beacon International excl US
$60,000 per person Secondary coverage Quote

Full Policy Wording

30. ELIGIBLE MEDICAL EXPENSES -­‐ Subject to the Terms of this insurance, including without limitation the Deductible, Coinsurance, and limits and sub-­‐limits set forth in the Schedule of Benefits/Limits, Section 21, and the Exclusions set forth in Section 31, below, the Scheme Administrator will reimburse the Participating Member for the following costs, charges and expenses incurred by the Participating Member with respect to an Illness or Injury suffered or sustained by the Participating Member while the Evidence of Insurance issued by the Master Policy is in effect, so long as the costs, charges or expenses are Usual, Reasonable and Customary (“Eligible Medical Expenses”):

30.1 Charges incurred at a Hospital for: 30.1.1 daily room and board and nursing services subject to the Schedule of Benefits/Limits; and

30.1.2 daily room and board and nursing services in Intensive Care Unit; and

30.1.3 use of operating, Treatment or recovery room; and

30.1.4 services and supplies which are routinely provided by the Hospital to persons for use while Inpatient; And Emergency Treatment of an Injury, even if Hospital confinement is not required; and

30.1.5 Emergency Room Treatment of an Illness; however an additional $250 deductible will be required unless the Participating Member is directly admitted to the Hospital as Inpatient for further Treatment of that Illness; and

30.2 Charges incurred for Surgery at an Outpatient Surgical facility: Charges by a Physician for professional services rendered, including Surgery; provided, however, that charges by or for an assistant surgeon will be limited and covered at the rate of twenty percent (20%) of the Usual, Reasonable and Customary charge of the primary surgeon; and provided, further, that standby availability of a Physician or surgeon will not be deemed to be a professional service and is not eligible for coverage; and

30.3 Other Charges incurred for Surgery at an Outpatient Surgical Facility including services and supplies;

30.3.1 dressings, sutures, casts or other supplies that are Medically Necessary; and

30.3.2 diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, behavioral and educational testing are not included); and

30.3.3 basic functional artificial limbs, eye or larynx or breast prostheses, but not the replacement or repair thereof; and

30.3.4 reconstructive surgery which is directly related to a Surgery which is covered under this insurance; and

30.3.5 radiation therapy or Treatment, and chemotherapy; and

30.3.6 hemodialysis and the charges by a Hospital for processing and administration of blood or blood components, but not the cost of the actual blood or blood components; and

30.3.7 oxygen and other gasses and their administration; and

30.3.8 anesthetics and their administration by a Physician; and

30.3.9 drugs which require prescription by a Physician for Treatment of Illness or Injury, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of ninety (90) days of any one prescription; and

30.3.10 careinalicensedExtendedCareFacilityupondirecttransferfromanacutecareHospital;and

30.3.11 Home Nursing Care in bed by a qualified licensed professional, provided by a Home Health Care Agency upon direct transfer from an acute care Hospital; and

30.3.12 Emergency local ambulance transport necessarily incurred in connection with Illness or Injury resulting in Hospitalization; and

30.3.13 Emergency Dental (Acute onset of pain) Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident that is covered under this insurance subject to the Schedule of Benefit and Limits;

30.3.13.1 For policies purchased more than ninety (90) days.

30.3.13.2 $100 Maximum Limit per Policy Period.

30.3.14 physical therapy prescribed by a Physician and performed by a professional physical therapist, and necessarily incurred to continue recovery from a covered Injury or covered Illness, up to the limit set forth in SCHEDULE OF BENEFITS AND LIMITS ; and

30.4 Charges Related to Terrorism – The Scheme Administrators will pay Eligible Medical Expenses for Treatment of Injuries and Illnesses resulting from an Act of Terrorism, up to the limit set forth in SCHEDULE OF BENEFITS AND LIMITS, provided all of the following conditions are met:

30.4.1 The Injury or Illness does not result from the use of any biological, chemical, Radioactive or nuclear agent, material, device or weapon; and

30.4.2 The Participating Member has no direct or indirect involvement in the Act of Terrorism; and

30.4.3 The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the one hundred and eighty days (180) immediately prior to the Participating Member’s date of arrival; and

30.4.4 The Participating Member has not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

30.5 Sudden Onset of a Pre-­‐Existing Condition -­‐ An unexpected outbreak or recurrence of a Pre-­‐existing Condition, which occurs unexpectedly and without advance warning, either in the form of Physician recommendation or symptoms which would have caused a prudent person to seek medical attention prior to the outbreak or recurrence. Treatment must be obtained within twenty four (24) hours of the sudden and unexpected occurrence of pain this includes when the Sudden On-­‐set of a pre-­‐existing Condition that results in Medical Evacuation up to the Maximum Limits set forth in the Schedule of Benefits/Limits. The Scheme Administrator will pay up to the limit set forth in SCHEDULE OF BENEFITS AND LIMITS, provided all of the following conditions are met.

15 CSA Travel Protection
Custom
$50,000 policy limit Secondary coverage Quote

Full Policy Wording

MEDICAL AND DENTAL COVERAGE

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; and

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 Trip; and

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 Health Insurance in effect for you. This coverage is in excess to any other health insurance you have available to you at the time of the loss. You must submit your claim to that provider first. Any benefits you receive from your primary or supplementary insurance providers will be deducted from your claim with us.

Covered Expenses:

1. Expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury during a Trip; and

2. Expenses for emergency dental treatment incurred by you during a Trip up to the amount in the Schedule.

Your duties in the event of a Medical or Dental Expense:

1. You must provide us with all bills and reports for medical and/or dental expenses claimed.

2. You must provide any requested information related to the claimed expense(s), including but not limited to, an explanation of benefits from any other applicable insurance.

3. You must sign a patient authorization to release any information required by us, to investigate your claim.

Please refer to the Definitions, for an explanation of Pre-Existing Conditions, which are excluded under the Medical or Dental Expense Benefits.

Coordination of Benefits

If you reside in CT, ID, IL, and excess coverage for Medical and Dental Expense Benefits is not permitted, then coordination of benefit provisions in accordance with the laws and regulations in your state will apply in lieu of the excess coverage provisions.

Coordination of Benefits

1. Applicability

A. This Coordination of Benefits (“COB”) provision applies to This Policy when you or your covered dependent has health care coverage under more than one Policy. “Policy” and “This Policy” are defined below.

B. If this COB provision applies, the order of benefit determination rules should be looked at first. Those rules determine whether the benefits of This Policy are determined before or after those of another policy. The benefits of This Policy:

i) Will not be reduced when, under the order of benefit determination rules, This Policy determines its benefits before another Policy; but

ii) May be reduced when, under the order of benefits determination rules, another policy determines its benefits first.

2. Definitions

A. “Policy” is any of these which provides benefits or services for, or because of, medical or dental care or treatment:

i) Policy will include:

1. group insurance and group subscriber contracts;

2. uninsured arrangements of group or group type coverage;

3. group or group type coverage through HMOs and other prepayment, group practice and individual practice policies;

4. group type contracts. Group type contracts are contracts which are not available to the general public and can be obtained and maintained only because of membership in or connection with a particular organization or group. Individually underwritten and issued guaranteed renewable policies would not be considered group type even though purchased through payroll deductions at the premium savings to the Insured since the Insured would have the right to maintain or renew the Policy independently of continued employment with the Policyholder;

5. the medical benefits coverage in group automobile no-fault contracts, and in traditional automobile fault type contracts to the extent that such contracts are Primary Policies; and

6. Medicare or other governmental benefits, except as provided in subsection (ii)(7) below. That part of the definition of Policy may be limited to the hospital, medical and surgical benefits of the governmental program.

ii) Policy will not include:

1. individual or family insurance contracts;

2. individual or family subscriber contracts;

3. individual or family coverage through Health Maintenance Organizations (HMOs):

4. individual or family coverage under other prepayment, group practice and individual practice policies;

5. group or group type hospital indemnity benefits of $100.00 per day or less;

6. school Accident type coverages; these contracts cover grammar, high school and college student for Accidents only, including athletic injuries, either on a 24 hour basis or on a to and from school basis; and

7. state policy under Medicaid, and will not include a law or policy when, by law, its benefits are in excess of those of any private insurance policy or other non-government policy. Each contract or other arrangement for coverage under (i) or (ii) is a separate policy. Also, if an arrangement has two parts and COB rules apply only to one of the two, each of the parts is a separate policy.

B. “This Policy” is this Policy.

C. “Primary Policy/Secondary Policy” – The order of benefit determination rules state whether This Policy is a Primary Policy or a Secondary Policy as to another policy covering the person.When This Policy is a Primary Policy, its benefits are determined before those of the other policy and without considering the other policy’s benefits. When This Policy is a Secondary Policy, its benefits are determined after those of the other policy and may be reduced because of the other policy’s benefit.When there are more than two policies covering the person, This Policy may be a Primary Policy as to one or more other policies, and may be a Secondary Policy as to a different policy or policies.

D. “Allowable Expense” means a necessary, reasonable and customary item of expense for health care; when the item of expense is covered at least in part by one or more policies covering the person for whom the claim is made. When a policy provides benefits in the form of services, the reasonable cash value of each service rendered will be considered both an Allowable Expense and a benefit paid.

The following are examples of expenses or services that are not allowable expenses:

i) If an Insured Person is confined in a private hospital room, the difference between the cost of a semi-private room in the hospital and the private room (unless the patient’s stay in a private room is medically necessary in terms of generally accepted medical practice, or one of the policies routinely provides coverage for hospital private rooms) is not an allowable expense.

ii) If a person is covered by two or more plans that compute his/her benefit payments on the basis of usual and customary fees, any amount in excess of the highest of the usual and customary fees for a specific benefit is not an allowable expense.

iii) If a person is covered by two or more plans that provide benefits or services on the basis of negotiated fees, an amount in excess of the highest of the negotiated fees is not an allowable expense.

iv) If a person is covered by one plan that calculates its benefits or services on the basis of usual and customary fees and another plan that provides its benefits or services on the basis of negotiated fees, the primary policy’s payment arrangements will be the allowable expense for all policies.

v) The amount a benefit is reduced by the primary policy because an Insured Person does not comply with the policy provisions. Examples of these provisions are second surgical opinions, pre-certification of admissions or services and preferred provider arrangements.

E. “Claim Determination Period” means a calendar year. However, it does not include any part of a year during which a person has no coverage under This Policy, or any part of a year before the date this COB provision or a similar provision takes effect.

3. Order of Benefit Determination Rules

A. General – When there is a basis for a claim under This Policy and another policy, This Policy is a Secondary Policy which has its benefits determined after those of the other policy, unless:

i) The other policy has rules coordinating its benefits with those of This Policy; and

ii) Both those rules and This Policy rules, in Sub-section B below, require that This Policy’s benefits be determined before those of the other policy.

B. Rules – This Policy determines its order of benefits using the first of the following rules which applies.

i) Non-Dependent – the benefits of the policy which covers the person as a subscriber (that is, other than as a dependent) are determined before those of the policy which covers the person as a dependent.

ii) Dependent Child/Parents not Separated or Divorced – except as stated in paragraph B(iii) below, when This Policy and another policy cover the same child as a dependent of different persons, called “parents”:

1. The benefits of the policy of the parent whose birthday falls earlier in a year are determined before those of the policy of the parent whose birthday falls later in that year, but

2. If both parents have the same birthday, the benefits of the policy which covered one parent longer are determined before those of the policy which covered the other parent for a shorter period of time. However, if the other policy does not have the rule described in (1) immediately above, but instead has a rule based upon the gender of the parent, and if, as a result, the policies do not agree on the order of benefits, the rule in the other policy will determine the order of benefits.

iii) Dependent Child/Separated or Divorced Parents – If two or more policies cover a person as a dependent child of divorced or separated parents, benefits for the child are determined in this order:

1. First, the policy of the parent with custody of the child;

2. Then, the policy of the spouse of the parent with the custody of the child; and

3. Finally, the policy of the parent not having custody of the child. However, if the specific terms of a court decree state that one of the parents is responsible for the health care expenses of the child, and the entity obligated to pay or provide the benefits of the Policy of that parent has actual knowledge of those terms, the benefits of that Policy are determined first. The Policy of the other parent will be the Secondary Policy. This paragraph does not apply with respect to any Claim Determination Period or Policy Year during which any benefits are actually paid or provided before the entity has that actual knowledge.

iv) Joint Custody – If the specific terms of a court decree state that the parents will share joint custody, without stating that one of the parents is responsible for the health care expenses of the child, the policies covering the child will follow the order of benefit determination rules outlined in paragraph B(ii).

v) Active/Inactive Member – The benefits of a policy which covers a person as an employee who is neither laid off nor retired are determined before those of a policy which covers that person as a laid off Member. The same applies if a person is a dependent of a person covered as a Member. If the other policy does not have this rule, and if, as a result, the policies do not agree on the order of benefits, this Rule (v) is ignored.

vi) Continuation Coverage – If a person whose coverage is provided under a right of continuation pursuant to federal or state law also is covered under another policy, the following will be the order of benefit determination:

1. First, the benefits of a policy covering the person as a Member or subscriber (or as that person’s dependent);

2. Second, the benefits under the continuation coverage. If the other policy does not have the rule described above, and if, as a result, the policies do not agree on the order of benefits, this rule is ignored.

vii) Longer/Shorter Length of Coverage – If none of the above rules determines the order of benefits, the benefits of the policy which covered a Member or subscriber longer are determined before those of the Policy which covered that person for the shorter term.

4. Effect on the Benefits of This Policy

A. When this Section Applies – this Section 4 applies when, in accordance with Section 3, “Order of Benefit Determination Rules”, This Policy is a Secondary Policy as to one or more other policies. In that event, the benefits of This Policy may be reduced under this section. Such other policy or policies are referred to as “the other policies” in 4(b) immediately below.

B. Reduction in This Policy’s Benefits – The benefits of This Policy will be reduced when the sum of:

i) The benefits that would be payable for the Allowable Expenses under This Policy in the absence of this COB provision; and

ii) The benefits that would be payable for the Allowable Expenses under the other policies, in the absence of provisions with a purpose like that of this COB provision, whether or not claim is made; exceeds those Allowable Expenses in a Claim Determination Period. In that case, the benefits of This Policy will be reduced so that they and the benefits payable under the other policies do not total more than those Allowable Expenses. When the benefits of This Policy are reduced as described above, each benefit is reduced in proportion. It is then charged against any applicable benefit limit of This Policy.

16 GeoBlue
Voyager Choice
$50,000 per person Secondary coverage Quote

Full Policy Wording

Before this Plan pays for any benefits, the Insured Person must satisfy his/her Trip Coverage Period Deductible. After the Insured Person satisfies the Deductible, the Insurer will begin paying for Covered Services as described in this section.

The benefits described in this section will be paid for Covered Expenses incurred on the date the Insured Person receives the service or supply for which the charge is made. These benefits are subject to all terms, conditions, exclusions, and limitations of this Plan. All services are paid at percentages and amounts indicated below or in the Benefit Overview Matrix, and subject to limits outlined in Section IV, How the Plan Works.

Following is a general description of the supplies and services for which the Insured Person’s Plan will pay benefits, if such supplies and services are Medically Necessary:

Services and Supplies Provided by a Hospital

For any eligible condition including Mental, Emotional or Functional Nervous Conditions or Disorders, Alcoholism or Drug Abuse, the Insurer will pay indicated benefits on Covered Expenses for:

1. Inpatient services and supplies provided by the Hospital except private room charges above the prevailing two-bed room rate of the facility.

2. Outpatient services and supplies including those in connection with outpatient surgery performed at an Ambulatory Surgical Center.

3. Emergency Hospitalization and Emergency Medical Care provided in a Hospital emergency room, including professional air and ground ambulance services for transport to and from the Hospital for such Emergency Hospitalization and Emergency Medical Care.

Payment of Inpatient Covered Expenses are subject to these conditions:

1. Services must be those which are regularly provided and billed by the Hospital.

2. Services are provided only for the number of days required to treat the Insured Person’s Illness or Injury

Note: No benefits will be provided for personal items, such as TV, radio, guest trays, etc.

Note: Injuries and Illnesses resulting from terrorism and pandemics are covered as any other Injury or Illness.

Professional and Other Services

The Insurer will pay Covered Expenses for:

1. Services of a Physician.

2. Services of an anesthesiologist or an anesthetist.

3. Outpatient diagnostic radiology and laboratory services.

4. Surgical implants.

5. The first pair of contact lenses or the first pair of eyeglasses when required as a result of a covered eye surgery.

6. Self-Administered injectable drugs.

7. Syringes when dispensed with self-administered injectable drugs (except insulin).

8. Blood transfusions, including blood processing and the cost of unreplaced blood and blood products.

9. Rental or purchase of medical equipment and/or supplies that are all of the following:

a) ordered by a Physician;

b) of no further use when medical need ends;

c) usable only by the patient;

d) not primarily for the Insured Person’s comfort or hygiene;

e) not for environmental control;

f) not for exercise; and

g) manufactured specifically for medical use.

Note: Medical equipment and supplies must meet all of the above guidelines in order to be eligible for benefits under this Plan. The fact that a Physician prescribes or orders equipment or supplies does not necessarily qualify the equipment or supply for payment. The Insurer determines whether the item meets these conditions. Rental charges that exceed the reasonable purchase price of the equipment are not covered.

Ambulance Services

The following ambulance services are covered under this Plan:

1. Base charge, mileage and non-reusable supplies of a licensed ambulance company for ground or air service for transportation to and from a Hospital.

2. Monitoring, electrocardiograms (EKGs or ECGs), cardiac defibrillation, cardiopulmonary resuscitation (CPR) and administration of oxygen and intravenous (IV) solutions in connection with ambulance service. An appropriate licensed person must render the services.

The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for an Accidental Injury

Benefits are payable for dental care for an Accidental Injury to natural teeth that occurs while the Insured Person is covered under this Plan, subject to the following:

1. services must be received during the six months following the date of Injury;

2. no benefits are available to replace or repair existing dental prostheses even if damaged in an eligible Accidental Injury; and

3. damage to natural teeth due to chewing or biting is not considered an Accidental Injury under this Plan.

In addition, the Plan provides benefits for up to three days of Inpatient Hospital services when a Hospital stay is ordered by a Physician and a Dentist for dental treatment required due to an unrelated medical condition. The Insurer determines whether the dental treatment could have been safely provided in another setting. Hospital stays for the purpose of administering general anesthesia are not considered Medically Necessary. The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for Relief of Pain

Benefits are payable for dental care for Relief of Pain to the teeth that occurs while the Insured Person is covered under this Plan. Services must be received while covered during the Trip Coverage Period. The Insurer pays as stated in the Benefit Overview Matrix.

Complications of Pregnancy

Complications of Pregnancy are covered under this Plan as any other medical condition. Benefits for complications of pregnancy shall be provided for all Insured Persons.

Physical and/or Occupational Therapy/Medicine

Benefits for the therapeutic use of heat, cold, exercise, electricity, ultraviolet, manipulation of the spine, or massage to improve circulation, strengthen muscles, encourage return of motion, or for treatment of Illness or Injury are payable only for services rendered by a Physician up to the maximum amounts and visits as stated in the Benefit Overview Matrix. For the purposes of this benefit, the term “visit” includes any outpatient visit to a Physician during which one or more Covered Services are provided. The Insurer pays as stated in the Benefit Overview Matrix.

Benefits for Claims resulting from downhill skiing and scuba diving

The Insurer will pay Covered Expenses for claims resulting from downhill (alpine) skiing. It will also pay Covered Expenses resulting from scuba diving provided that the diver is certified by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI), or provided that he/she is diving under the supervision of a certified instructor. These Covered Expenses are Limited as stated in the Benefit Overview Matrix.

17 GeoBlue
Voyager Essential
$50,000 per person Secondary coverage Quote

Full Policy Wording

Before this Plan pays for any benefits, the Insured Person must satisfy his/her Trip Coverage Period Deductible. After the Insured Person satisfies the Deductible, the Insurer will begin paying for Covered Services as described in this section.

The benefits described in this section will be paid for Covered Expenses incurred on the date the Insured Person receives the service or supply for which the charge is made. These benefits are subject to all terms, conditions, exclusions, and limitations of this Plan. All services are paid at percentages and amounts indicated below or in the Benefit Overview Matrix, and subject to limits outlined in Section IV, How the Plan Works.

Following is a general description of the supplies and services for which the Insured Person’s Plan will pay benefits, if such supplies and services are Medically Necessary:

Services and Supplies Provided by a Hospital

For any eligible condition including Mental, Emotional or Functional Nervous Conditions or Disorders, Alcoholism or Drug Abuse, the Insurer will pay indicated benefits on Covered Expenses for:

1. Inpatient services and supplies provided by the Hospital except private room charges above the prevailing two-bed room rate of the facility.

2. Outpatient services and supplies including those in connection with outpatient surgery performed at an Ambulatory Surgical Center.

3. Emergency Hospitalization and Emergency Medical Care provided in a Hospital emergency room, including professional air and ground ambulance services for transport to and from the Hospital for such Emergency Hospitalization and Emergency Medical Care.

Payment of Inpatient Covered Expenses are subject to these conditions:

1. Services must be those which are regularly provided and billed by the Hospital.

2. Services are provided only for the number of days required to treat the Insured Person’s Illness or Injury

Note: No benefits will be provided for personal items, such as TV, radio, guest trays, etc.

Note: Injuries and Illnesses resulting from terrorism and pandemics are covered as any other Injury or Illness.

Professional and Other Services

The Insurer will pay Covered Expenses for:

1. Services of a Physician.

2. Services of an anesthesiologist or an anesthetist.

3. Outpatient diagnostic radiology and laboratory services.

4. Surgical implants.

5. The first pair of contact lenses or the first pair of eyeglasses when required as a result of a covered eye surgery.

6. Self-Administered injectable drugs.

7. Syringes when dispensed with self-administered injectable drugs (except insulin).

8. Blood transfusions, including blood processing and the cost of unreplaced blood and blood products.

9. Rental or purchase of medical equipment and/or supplies that are all of the following:

a. ordered by a Physician;

of no further use when medical need ends;

c. usable only by the patient;

d. not primarily for the Insured Person’s comfort or hygiene;

e. not for environmental control;

f. not for exercise; and

g. manufactured specifically for medical use.

Note: Medical equipment and supplies must meet all of the above guidelines in order to be eligible for benefits under this Plan. The fact that a Physician prescribes or orders equipment or supplies does not necessarily qualify the equipment or supply for payment. The Insurer determines whether the item meets these conditions. Rental charges that exceed the reasonable purchase price of the equipment are not covered.

Ambulance Services

The following ambulance services are covered under this Plan:

1. Base charge, mileage and non-reusable supplies of a licensed ambulance company for ground or air service for transportation to and from a Hospital.

2. Monitoring, electrocardiograms (EKGs or ECGs), cardiac defibrillation, cardiopulmonary resuscitation (CPR) and administration of oxygen and intravenous (IV) solutions in connection with ambulance service. An appropriate licensed person must render the services.

The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for an Accidental Injury

Benefits are payable for dental care for an Accidental Injury to natural teeth that occurs while the Insured Person is covered under this Plan, subject to the following:

1. services must be received during the six months following the date of Injury;

2. no benefits are available to replace or repair existing dental prostheses even if damaged in an eligible Accidental Injury; and

3. damage to natural teeth due to chewing or biting is not considered an Accidental Injury under this Plan.

In addition, the Plan provides benefits for up to three days of Inpatient Hospital services when a Hospital stay is ordered by a Physician and a Dentist for dental treatment required due to an unrelated medical condition. The Insurer determines whether the dental treatment could have been safely provided in another setting. Hospital stays for the purpose of administering general anesthesia are not considered Medically Necessary. The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for Relief of Pain

Benefits are payable for dental care for Relief of Pain to the teeth that occurs while the Insured Person is covered under this Plan. Services must be received while covered during the Trip Coverage Period. The Insurer pays as stated in the Benefit Overview Matrix.

Complications of Pregnancy

Complications of Pregnancy are covered under this Plan as any other medical condition. Benefits for complications of pregnancy shall be provided for all Insured Persons.

Physical and/or Occupational Therapy/Medicine

Benefits for the therapeutic use of heat, cold, exercise, electricity, ultraviolet, manipulation of the spine, or massage to improve circulation, strengthen muscles, encourage return of motion, or for treatment of Illness or Injury are payable only for services rendered by a Physician up to the maximum amounts and visits as stated in the Benefit Overview Matrix. For the purposes of this benefit, the term “visit” includes any outpatient visit to a Physician during which one or more Covered Services are provided. The Insurer pays as stated in the Benefit Overview Matrix.

Benefits for Claims resulting from downhill skiing and scuba diving

The Insurer will pay Covered Expenses for claims resulting from downhill (alpine) skiing. It will also pay Covered Expenses resulting from scuba diving provided that the diver is certified by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI), or provided that he/she is diving under the supervision of a certified instructor. These Covered Expenses are Limited as stated in the Benefit Overview Matrix.

18 GeoBlue
Trekker Choice excl US
$250,000 per person Secondary coverage Quote

Full Policy Wording

Before this Plan pays for any benefits, the Insured Person must satisfy his/her Trip Coverage Period Deductible. After the Insured Person satisfies the Deductible, the Insurer will begin paying for Covered Services as described in this section.

The benefits described in this section will be paid for Covered Expenses incurred on the date the Insured Person receives the service or supply for which the charge is made. These benefits are subject to all terms, conditions, exclusions, and limitations of this Plan. All services are paid at percentages and amounts indicated below or in the Benefit Overview Matrix, and subject to limits outlined in Section IV, How the Plan Works.

Following is a general description of the supplies and services for which the Insured Person’s Plan will pay benefits, if such supplies and services are Medically Necessary: Services and

Supplies Provided by a Hospital

For any eligible condition other than for Mental, Emotional or Functional Nervous Conditions or Disorders, Alcoholism or Drug Abuse, the Insurer will pay indicated benefits on Covered Expenses for:

1. Inpatient services and supplies provided by the Hospital except private room charges above the prevailing two-bed room rate of the facility.

2. Outpatient services and supplies including those in connection with outpatient surgery performed at an Ambulatory Surgical Center.

3. Emergency Hospitalization and Emergency Medical Care provided in a Hospital emergency room, including professional air and ground ambulance services for transport to and from the Hospital for such Emergency Hospitalization and Emergency Medical Care.

Payment of Inpatient Covered Expenses are subject to these conditions:

1. Services must be those which are regularly provided and billed by the Hospital.

2. Services are provided only for the number of days required to treat the Insured Person’s Illness or Injury

Note: No benefits will be provided for personal items, such as TV, radio, guest trays, etc.

Note: Injuries and Illnesses resulting from terrorism and pandemics are covered as any other Injury or Illness.

Professional and Other Services The Insurer will pay Covered Expenses for:

1. Services of a Physician.

2. Services of an anesthesiologist or an anesthetist.

3. Outpatient diagnostic radiology and laboratory services.

4. Surgical implants.

5. The first pair of contact lenses or the first pair of eyeglasses when required as a result of a covered eye surgery.

6. Self-Administered injectable drugs.

7. Syringes when dispensed with self-administered injectable drugs (except insulin).

8. Blood transfusions, including blood processing and the cost of unreplaced blood and blood products.

9. Rental or purchase of medical equipment and/or supplies that are all of the following:

a) ordered by a Physician;

b) of no further use when medical need ends;

c) usable only by the patient;

d) not primarily for the Insured Person’s comfort or hygiene;

e) not for environmental control;

f) not for exercise; and

g) manufactured specifically for medical use.

Note: Medical equipment and supplies must meet all of the above guidelines in order to be eligible for benefits under this Plan. The fact that a Physician prescribes or orders equipment or supplies does not necessarily qualify the equipment or supply for payment. The Insurer determines whether the item meets these conditions. Rental charges that exceed the reasonable purchase price of the equipment are not covered.

Ambulance Services

The following ambulance services are covered under this Plan:

1. Base charge, mileage and non-reusable supplies of a licensed ambulance company for ground or air service for transportation to and from a Hospital.

2. Monitoring, electrocardiograms (EKGs or ECGs), cardiac defibrillation, cardiopulmonary resuscitation (CPR) and administration of oxygen and intravenous (IV) solutions in connection with ambulance service. An appropriate licensed person must render the services.

The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for an Accidental Injury

Benefits are payable for dental care for an Accidental Injury to natural teeth that occurs while the Insured Person is covered under this Plan, subject to the following:

1. services must be received during the six months following the date of Injury;

2. no benefits are available to replace or repair existing dental prostheses even if damaged in an eligible Accidental Injury; and

3. damage to natural teeth due to chewing or biting is not considered an Accidental Injury under this Plan.

In addition, the Plan provides benefits for up to three days of Inpatient Hospital services when a Hospital stay is ordered by a Physician and a Dentist for dental treatment required due to an unrelated medical condition. The Insurer determines whether the dental treatment could have been safely provided in another setting. Hospital stays for the purpose of administering general anesthesia are not considered Medically Necessary. The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for Relief of Pain

Benefits are payable for dental care for Relief of Pain to the teeth that occurs while the Insured Person is covered under this Plan. Services must be received while covered during the Trip Coverage Period. The Insurer pays as stated in the Benefit Overview Matrix.

Complications of Pregnancy

Complications of Pregnancy are covered under this Plan as any other medical condition. Benefits for complications of pregnancy shall be provided for all Insured Persons.

Physical and/or Occupational Therapy/Medicine

Benefits for the therapeutic use of heat, cold, exercise, electricity, ultraviolet, manipulation of the spine, or massage to improve circulation, strengthen muscles, encourage return of motion, or for treatment of Illness or Injury are payable only for services rendered by a Physician up to the maximum amounts and visits as stated in the Benefit Overview Matrix. For the purposes of this benefit, the term “visit” includes any outpatient visit to a Physician during which one or more Covered Services are provided. The Insurer pays as stated in the Benefit Overview Matrix.

Benefits for Claims resulting from downhill skiing and scuba diving

The Insurer will pay Covered Expenses for claims resulting from downhill (alpine) skiing. It will also pay Covered Expenses resulting from scuba diving provided that the diver is certified by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI), or provided that he/she is diving under the supervision of a certified instructor. These Covered Expenses are Limited as stated in the Benefit Overview Matrix.

19 GeoBlue
Trekker Essential excl US
$50,000 per person Secondary coverage Quote

Full Policy Wording

Before this Plan pays for any benefits, the Insured Person must satisfy his/her Trip Coverage Period Deductible. After the Insured Person satisfies the Deductible, the Insurer will begin paying for Covered Services as described in this section.

The benefits described in this section will be paid for Covered Expenses incurred on the date the Insured Person receives the service or supply for which the charge is made. These benefits are subject to all terms, conditions, exclusions, and limitations of this Plan. All services are paid at percentages and amounts indicated below or in the Benefit Overview Matrix, and subject to limits outlined in Section IV, How the Plan Works.

Following is a general description of the supplies and services for which the Insured Person’s Plan will pay benefits, if such supplies and services are Medically Necessary:

Services and Supplies Provided by a Hospital

For any eligible condition other than for Mental, Emotional or Functional Nervous Conditions or Disorders, Alcoholism or Drug Abuse, the Insurer will pay indicated benefits on Covered Expenses for:

1. Inpatient services and supplies provided by the Hospital except private room charges above the prevailing two-bed room rate of the facility.

2. Outpatient services and supplies including those in connection with outpatient surgery performed at an Ambulatory Surgical Center.

3. Emergency Hospitalization and Emergency Medical Care provided in a Hospital emergency room, including professional air and ground ambulance services for transport to and from the Hospital for such Emergency Hospitalization and Emergency Medical Care.

Payment of Inpatient Covered Expenses are subject to these conditions:

1. Services must be those which are regularly provided and billed by the Hospital.

2. Services are provided only for the number of days required to treat the Insured Person’s Illness or Injury

Note: No benefits will be provided for personal items, such as TV, radio, guest trays, etc.

Note: Injuries and Illnesses resulting from terrorism and pandemics are covered as any other Injury or Illness.

Professional and Other Services

The Insurer will pay Covered Expenses for:

1. Services of a Physician.

2. Services of an anesthesiologist or an anesthetist.

3. Outpatient diagnostic radiology and laboratory services.

4. Surgical implants.

5. The first pair of contact lenses or the first pair of eyeglasses when required as a result of a covered eye surgery.

6. Self-Administered injectable drugs.

7. Syringes when dispensed with self-administered injectable drugs (except insulin).

8. Blood transfusions, including blood processing and the cost of unreplaced blood and blood products.

9. Rental or purchase of medical equipment and/or supplies that are all of the following:

a) ordered by a Physician;

b) of no further use when medical need ends;

c) usable only by the patient;

d) not primarily for the Insured Person’s comfort or hygiene;

e) not for environmental control;

f) not for exercise; and

g) manufactured specifically for medical use.

Note: Medical equipment and supplies must meet all of the above guidelines in order to be eligible for benefits under this Plan. The fact that a Physician prescribes or orders equipment or supplies does not necessarily qualify the equipment or supply for payment. The Insurer determines whether the item meets these conditions. Rental charges that exceed the reasonable purchase price of the equipment are not covered.

Ambulance Services

The following ambulance services are covered under this Plan:

1. Base charge, mileage and non-reusable supplies of a licensed ambulance company for ground or air service for transportation to and from a Hospital.

2. Monitoring, electrocardiograms (EKGs or ECGs), cardiac defibrillation, cardiopulmonary resuscitation (CPR) and administration of oxygen and intravenous (IV) solutions in connection with ambulance service. An appropriate licensed person must render the services.

The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for an Accidental Injury

Benefits are payable for dental care for an Accidental Injury to natural teeth that occurs while the Insured Person is covered under this Plan, subject to the following:

1. services must be received during the six months following the date of Injury;

2. no benefits are available to replace or repair existing dental prostheses even if damaged in an eligible Accidental Injury; and

3. damage to natural teeth due to chewing or biting is not considered an Accidental Injury under this Plan.

In addition, the Plan provides benefits for up to three days of Inpatient Hospital services when a Hospital stay is ordered by a Physician and a Dentist for dental treatment required due to an unrelated medical condition. The Insurer determines whether the dental treatment could have been safely provided in another setting. Hospital stays for the purpose of administering general anesthesia are not considered Medically Necessary. The Insurer pays as stated in the Benefit Overview Matrix.

Dental Care for Relief of Pain

Benefits are payable for dental care for Relief of Pain to the teeth that occurs while the Insured Person is covered under this Plan. Services must be received while covered during the Trip Coverage Period. The Insurer pays as stated in the Benefit Overview Matrix.

Complications of Pregnancy

Complications of Pregnancy are covered under this Plan as any other medical condition. Benefits for complications of pregnancy shall be provided for all Insured Persons.

Physical and/or Occupational Therapy/Medicine

Benefits for the therapeutic use of heat, cold, exercise, electricity, ultraviolet, manipulation of the spine, or massage to improve circulation, strengthen muscles, encourage return of motion, or for treatment of Illness or Injury are payable only for services rendered by a Physician up to the maximum amounts and visits as stated in the Benefit Overview Matrix. For the purposes of this benefit, the term “visit” includes any outpatient visit to a Physician during which one or more Covered Services are provided. The Insurer pays as stated in the Benefit Overview Matrix.

Benefits for Claims resulting from downhill skiing and scuba diving

The Insurer will pay Covered Expenses for claims resulting from downhill (alpine) skiing. It will also pay Covered Expenses resulting from scuba diving provided that the diver is certified by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI), or provided that he/she is diving under the supervision of a certified instructor. These Covered Expenses are Limited as stated in the Benefit Overview Matrix.

20 HCC Medical Insurance Services
Atlas International excl US
$50,000 per person Secondary coverage Quote

Full Policy Wording

Subject to the Limits set forth in the Schedule of Benefits and Limits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay the following expenses incurred while this insurance is in effect.

Conditions and Restrictions:

1. The Member must be in compliance with all conditions and provisions of the insurance; and

2. Underwriters will provide benefits only when the Illness or Injury giving rise to the expense are covered under this Insurance; and

3. Any eligible travel arrangements, excluding Emergency Local Ambulance, must be approved in advance and coordinated by Underwriters; for which the Member understands that the timeliness of arrangements can be affected by circumstances which are not within the control of Underwriters such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other Acts of God. The Member agrees to hold Underwriters harmless and Underwriters shall not be held liable for any delays that are not within their direct and immediate control; and

4. As specified below.

ELIGIBLE MEDICAL EXPENSES

1. Charges made by a Hospital for:

a. Daily room and board and nursing services not to exceed the average semi-private room rate; and

b Daily room and board and nursing services in Intensive Care Unit; and

c. Use of operating, treatment or recovery room; and

d. Services and supplies which are routinely provided by the Hospital to persons for use while Inpatients; and

e. Emergency treatment of an Injury, even if Hospital confinement is not required; and

f. Emergency treatment of an Illness; subject to emergency room co-pay as outlined in the Schedule of Benefits and Limits. ER co-payment is waived when the Member is directly admitted to the Hospital as Inpatient for further treatment of that Illness.

2. For Surgery at an Outpatient surgical facility, including services and supplies.

3. For charges made by a Physician for professional services, including Surgery. Charges for an assistant surgeon are covered up to 20% of the Usual, Reasonable and Customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder.

4. For dressings, sutures, casts or other supplies which are Medically Necessary and administered by or under the
supervision of a Physician, but excluding nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home, and all devices or supplies for repeat use at home, except Durable Medical Equipment as herein defined.

5. For diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).

6. For artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.

7. For reconstructive Surgery when the Surgery is directly related to Surgery which is covered hereunder.

8. For hemodialysis and the charges by the Hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.

9. For oxygen and other gasses and their administration by or under the supervision of a Physician.

10. For anesthetics and their administration by a Physician.

11. For drugs which require prescription by a Physician for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of 60 days per prescription.

12. For care in a licensed Extended Care Facility upon direct transfer from an acute care Hospital.

13. Home Nursing Care in bed by a qualified licensed professional, provided by a Home Health Care Agency upon direct transfer from an acute care Hospital and only in lieu of Medically Necessary Inpatient hospitalization.

14. Emergency Local Ambulance transport necessarily incurred in connection with Injury or Illness resulting in Inpatient hospitalization.

15. Emergency Dental Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which was covered under this insurance.

16. Emergency Dental Treatment necessary to resolve Acute On set of Pain, provided treatment is obtained within 24 hours of the Acute Onset of Pain.

17. Medically Necessary rental of Durable Medical Equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices.

18. Physical Therapy if prescribed by a Physician who is not affiliated with the Physical Therapy practice, necessarily incurred to continue recovery from a covered Injury or Illness.

19. Injury or Illness resulting from participation in sports or athletic activities not otherwise excluded under this insurance.

21 HCC Medical Insurance Services
Atlas America incl US
$50,000 per person Secondary coverage Quote

Full Policy Wording

Subject to the Limits set forth in the Schedule of Benefits and Limits, and subject to the Conditions and Restrictions contained in this provision, Underwriters will pay the following expenses incurred while this insurance is in effect.

Conditions and Restrictions:

1. The Member must be in compliance with all conditions and provisions of the insurance; and

2. Underwriters will provide benefits only when the Illness or Injury giving rise to the expense are covered under this Insurance; and

3. Any eligible travel arrangements, excluding Emergency Local Ambulance, must be approved in advance and coordinated by Underwriters; for which the Member understands that the timeliness of arrangements can be affected by circumstances which are not within the control of Underwriters such as: availability of transportation equipment and staff, delays or restrictions on flights caused by mechanical problems, government officials, telecommunications problems, weather and other Acts of God. The Member agrees to hold Underwriters harmless and Underwriters shall not be held liable for any delays that are not within their direct and immediate control; and

4. As specified below.

ELIGIBLE MEDICAL EXPENSES

1. Charges made by a Hospital for:

a. Daily room and board and nursing services not to exceed the average semi-private room rate; and

b Daily room and board and nursing services in Intensive Care Unit; and

c. Use of operating, treatment or recovery room; and

d. Services and supplies which are routinely provided by the Hospital to persons for use while Inpatients; and

e. Emergency treatment of an Injury, even if Hospital confinement is not required; and

f. Emergency treatment of an Illness; subject to emergency room co-pay as outlined in the Schedule of Benefits and Limits. ER co-payment is waived when the Member is directly admitted to the Hospital as Inpatient for further treatment of that Illness.

2. For Surgery at an Outpatient surgical facility, including services and supplies.

3. For charges made by a Physician for professional services, including Surgery. Charges for an assistant surgeon are covered up to 20% of the Usual, Reasonable and Customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder.

4. For dressings, sutures, casts or other supplies which are Medically Necessary and administered by or under the supervision of a Physician, but excluding nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home, and all devices or supplies for repeat use at home, except Durable Medical Equipment as herein defined.

5. For diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).

6. For artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.

7. For reconstructive Surgery when the Surgery is directly related to Surgery which is covered hereunder.

8. For hemodialysis and the charges by the Hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.

9. For oxygen and other gasses and their administration by or under the supervision of a Physician.

10. For anesthetics and their administration by a Physician.

11. For drugs which require prescription by a Physician for treatment of a covered Injury or Illness,but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of 60 days per prescription.

12. For care in a licensed Extended Care Facility upon direct transfer from an acute care Hospital.

13. Home Nursing Care in bed by a qualified licensed professional, provided by a Home Health Care Agency upon direct transfer from an acute care Hospital and only in lieu of Medically Necessary Inpatient hospitalization.

14. Emergency Local Ambulance transport necessarily incurred in connection with Injury or Illness resulting in Inpatient hospitalization.

15. Emergency Dental Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which was covered under this insurance.

16. Emergency Dental Treatment necessary to resolve Acute On set of Pain, provided treatment is obtained within 24 hours of the Acute Onset of Pain.

17. Medically Necessary rental of Durable Medical Equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices.

18. Physical Therapy if prescribed by a Physician who is not affiliated with the Physical Therapy practice, necessarily incurred to continue recovery from a covered Injury or Illness.

19. Injury or Illness resulting from participation in sports or athletic activities not otherwise excluded under this insurance.

22 HCC Medical Insurance Services
Atlas MultiTrip incl US
$1,000,000 per person Secondary coverage Quote

Full Policy Wording

ELIGIBLE MEDICAL EXPENSES
1. Charges made by a Hospital for:

a. Daily room and board and nursing services not to exceed the average semi-private room rate; and

b Daily room and board and nursing services in Intensive Care Unit; and

c. Use of operating, treatment or recovery room; and

d. Services and supplies which are routinely provided by the Hospital to persons for use while Inpatients; and

e. Emergency treatment of an Injury, even if Hospital confinement is not required; and

f. Emergency treatment of an Illness; subject to emergency room co-pay as outlined in the Schedule of Benefits and Limits. ER co-payment is waived when the Member is directly admitted to the Hospital as Inpatient for further treatment of that Illness.

2. For Surgery at an Outpatient surgical facility, including services and supplies.

3. For charges made by a Physician for professional services, including Surgery. Charges for an assistant surgeon are covered up to 20% of the Usual, Reasonable and Customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder.

4. For dressings, sutures, casts or other supplies which are Medically Necessary and administered by or under the supervision of a Physician, but excluding nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home, and all devices or supplies for repeat use at home, except Durable Medical Equipment as herein defined.

5. For diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).

6. For artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.

7. For reconstructive Surgery when the Surgery is directly related to Surgery which is covered hereunder.

8. For hemodialysis and the charges by the Hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.

9. For oxygen and other gasses and their administration by or under the supervision of a Physician.

10. For anesthetics and their administration by a Physician.

11. For drugs which require prescription by a Physician for treatment of a covered Injury or Illness,but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of 60 days per prescription.

12. For care in a licensed Extended Care Facility upon direct transfer from an acute care Hospital.

13. Home Nursing Care in bed by a qualified licensed professional, provided by a Home Health Care Agency upon direct transfer from an acute care Hospital and only in lieu of Medically Necessary Inpatient hospitalization.

14. Emergency Local Ambulance transport necessarily incurred in connection with Injury or Illness resulting in Inpatient hospitalization.

15. Emergency Dental Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which was covered under this insurance.

16. Emergency Dental Treatment necessary to resolve Acute Onset of Pain, provided treatment is obtained within 24 hours of the Acute Onset of Pain.

17. Medically Necessary rental of Durable Medical Equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices.

18. Physical Therapy if prescribed by a Physician who is not affiliated with the Physical Therapy practice, necessarily incurred to continue recovery from a covered Injury or Illness.

19. Injury or Illness resulting from participation in sports or athletic activities not otherwise excluded under this insurance.

23 HCC Medical Insurance Services
Atlas MultiTrip excl US
$1,000,000 per person Secondary coverage Quote

Full Policy Wording

ELIGIBLE MEDICAL EXPENSES

1. Charges made by a Hospital for:

a. Daily room and board and nursing services not to exceed the average semi-private room rate; and

b Daily room and board and nursing services in Intensive Care Unit; and

c. Use of operating, treatment or recovery room; and

d. Services and supplies which are routinely provided by the Hospital to persons for use while Inpatients; and

e. Emergency treatment of an Injury, even if Hospital confinement is not required; and

f. Emergency treatment of an Illness; subject to emergency room co-pay as outlined in the Schedule of Benefits and Limits. ER co-payment is waived when the Member is directly admitted to the Hospital as Inpatient for further treatment of that Illness.

2. For Surgery at an Outpatient surgical facility, including services and supplies.

3. For charges made by a Physician for professional services, including Surgery. Charges for an assistant surgeon are covered up to 20% of the Usual, Reasonable and Customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder.

4. For dressings, sutures, casts or other supplies which are Medically Necessary and administered by or under the supervision of a Physician, but excluding nebulizers, oxygen tanks, diabetic supplies, other supplies for use or application at home, and all devices or supplies for repeat use at home, except Durable Medical Equipment as herein defined.

5. For diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included).

6. For artificial limbs, eyes or larynx, breast prosthesis or basic functional artificial limbs, but not the replacement or repair thereof.

7. For reconstructive Surgery when the Surgery is directly related to Surgery which is covered hereunder.

8. For hemodialysis and the charges by the Hospital for processing and administration of blood or blood components but not the cost of the actual blood or blood components.

9. For oxygen and other gasses and their administration by or under the supervision of a Physician.

10. For anesthetics and their administration by a Physician.

11. For drugs which require prescription by a Physician for treatment of a covered Injury or Illness,but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs, and for a maximum supply of 60 days per prescription.

12. For care in a licensed Extended Care Facility upon direct transfer from an acute care Hospital.

13. Home Nursing Care in bed by a qualified licensed professional, provided by a Home Health Care Agency upon direct transfer from an acute care Hospital and only in lieu of Medically Necessary Inpatient hospitalization.

14. Emergency Local Ambulance transport necessarily incurred in connection with Injury or Illness resulting in Inpatient hospitalization.

15. Emergency Dental Treatment and Dental Surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident which was covered under this insurance.

16. Emergency Dental Treatment necessary to resolve Acute Onset of Pain, provided treatment is obtained within 24 hours of the Acute Onset of Pain.

17. Medically Necessary rental of Durable Medical Equipment (consisting of a standard basic hospital bed and or a standard basic wheelchair) up to the purchase prices.

18. Physical Therapy if prescribed by a Physician who is not affiliated with the Physical Therapy practice, necessarily incurred to continue recovery from a covered Injury or Illness.

19. Injury or Illness resulting from participation in sports or athletic activities not otherwise excluded under this insurance.

24 HTH Travel Insurance
TravelGap Voyager excl US
$50,000 per person accident $50,000 per person sickness Secondary coverage Quote

Full Policy Wording

ACCIDENT MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Treatment of an Accidental Injury that occurs during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:

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

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.

The Company will pay benefits up to the Maximum Benefit shown on the Confirmation of Benefits for dental Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Treatment must occur during the Trip.

If You are Hospitalized due to an Accidental Injury that first occurred during the course of the Trip beyond the Scheduled Return Date, overage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.


SICKNESS MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Treatment of a Sickness that first manifests itself during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Sickness.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are 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;
e) drugs, medicines and therapeutic services;
f) emergency dental treatment for the relief of pain.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

If You are Hospitalized due to a Sickness that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

25 HTH Travel Insurance
TravelGap Multi-Trip Silver excl US
$50,000 per person accident $50,000 per person sickness Secondary coverage Quote

Full Policy Wording

ACCIDENT MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Treatment of an Accidental Injury that occurs during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:

a) the services of a Physician;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests; (d) ambulance service; and

e) drugs, medicines and therapeutic services.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.

The Company will pay benefits up to the Maximum Benefit shown on the Confirmation of Benefits for dental Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Treatment must occur during the Trip.

If You are Hospitalized due to an Accidental Injury that first occurred during the course of the Trip beyond the Scheduled Return Date, overage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.


SICKNESS MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Treatment of a Sickness that first manifests itself during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Sickness.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are 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;

e) drugs, medicines and therapeutic services;

f) emergency dental treatment for the relief of pain.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

If You are Hospitalized due to a Sickness that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

26 HTH Travel Insurance
TravelGap Multi-Trip Gold excl US
$250,000 per person accident $250,000 per person sickness Secondary coverage Quote

Full Policy Wording

ACCIDENT MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Treatment of an Accidental Injury that occurs during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:
a) the services of a Physician;
b) charges for Hospital confinement and use of operating rooms;
c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests; (d) ambulance service; and
e) drugs, medicines and therapeutic services.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.

The Company will pay benefits up to the Maximum Benefit shown on the Confirmation of Benefits for dental Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Treatment must occur during the Trip.

If You are Hospitalized due to an Accidental Injury that first occurred during the course of the Trip beyond the Scheduled Return Date, overage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.


SICKNESS MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Treatment of a Sickness that first manifests itself during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Sickness.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms;
© charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests; (d) ambulance service;
(e) drugs, medicines and therapeutic services;
(f) emergency dental treatment for the relief of pain.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

If You are Hospitalized due to a Sickness that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

27 HTH Travel Insurance
TravelGap Excursion excl US
$50,000 per person accident $50,000 per person sickness Secondary coverage Quote

Full Policy Wording

ACCIDENT MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Treatment of an Accidental Injury that occurs during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:

a) the services of a Physician;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests; (d) ambulance service; and

e) drugs, medicines and therapeutic services.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You, or already included within the cost of the Trip.

The Company will pay benefits up to the Maximum Benefit shown on the Confirmation of Benefits for dental Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Treatment must occur during the Trip.

If You are Hospitalized due to an Accidental Injury that first occurred during the course of the Trip beyond the Scheduled Return Date, overage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.


SICKNESS MEDICAL EXPENSE

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Benefits subject to any Deductible shown on the Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Treatment of a Sickness that first manifests itself during the Trip.

Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Sickness.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are 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;

e) drugs, medicines and therapeutic services;

f) emergency dental treatment for the relief of pain.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

If You are Hospitalized due to a Sickness that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

28 InsureandGo USA
Silver
$100,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE AND EMERGENCY ACCIDENT DENTAL EXPENSE

The Company will pay benefits up to the limit shown on Your Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury that occurs or Sickness that first manifestsitself during Your Covered Trip. Covered Medical Expenses for the purpose of this coverage only 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, nurse or nurse practitioner;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration), X-
ray examinations or treatments, CAT Scan, Magnetic Resonance Imaging, Ultrasound, Sonogram; diagnostic testing; and laboratory tests;

d) ambulance service;

e) drugs, medicines, and therapeutic services and supplies; and

f) expenses for emergency dental treatment due to an

Accidental Injury to Sound Natural Teeth. The Company will not pay benefits in excess of the Reasonable and Customary charges. Benefits for Accidental Injury to Sound Natural Teeth are limited to $750.

When used in this coverage, Sound Natural Teeth mean:

1. Teeth and gums that were whole or properly restored prior to the Accidental Injury; and

2. Medically Necessary treatment is a direct result of the Accidental Injury.

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 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 Benefit s under the Policy have been paid.

29 InsureandGo USA
Gold
$250,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE AND EMERGENCY ACCIDENT DENTAL EXPENSE

The Company will pay benefits up to the limit shown on Your Confirmation of Coverage, 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 Your Covered Trip. Covered Medical Expenses for the purpose of this coverage only 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, nurse or nurse practitioner;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration), X-
ray examinations or treatments, CAT Scan, Magnetic Resonance Imaging, Ultrasound, Sonogram; diagnostic testing; and laboratory tests;

d) ambulance service;

e) drugs, medicines, and therapeutic services and supplies; and

f) expenses for emergency dental treatment due to an

Accidental Injury to Sound Natural Teeth. The Company will not pay benefits in excess of the Reasonable and Customary charges. Benefits for Accidental Injury to Sound Natural Teeth are limited to $750.

When used in this coverage, Sound Natural Teeth mean:

1. Teeth and gums that were whole or properly restored prior to the Accidental Injury; and

2. Medically Necessary treatment is a direct result of the Accidental Injury.

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 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 Benefit s under the Policy have been paid.

30 InsureandGo USA
Platinum
$500,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE AND EMERGENCY ACCIDENT DENTAL EXPENSE

The Company will pay benefits up to the limit shown on Your Confirmation of Coverage, 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 Your Covered Trip. Covered Medical Expenses for the purpose of this coverage only 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, nurse or nurse practitioner;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration), X-
ray examinations or treatments, CAT Scan, Magnetic Resonance Imaging, Ultrasound, Sonogram; diagnostic testing; and laboratory tests;

d) ambulance service;

e) drugs, medicines, and therapeutic services and supplies; and

f) expenses for emergency dental treatment due to an

Accidental Injury to Sound Natural Teeth. The Company will not pay benefits in excess of the Reasonable and Customary charges. Benefits for Accidental Injury to Sound Natural Teeth are limited to $750.

When used in this coverage, Sound Natural Teeth mean:

1. Teeth and gums that were whole or properly restored prior to the Accidental Injury; and

2. Medically Necessary treatment is a direct result of the Accidental Injury.

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 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 Benefit s under the Policy have been paid.

31 InsureandGo USA
Global Silver excl US
$100,000 per person Primary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE AND EMERGENCY ACCIDENT DENTAL EXPENSE

The Company will pay benefits up to the limit shown on Your Confirmation of Coverage, 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 Your Covered Trip.

Covered Medical Expenses for the purpose of this coverage only 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, nurse or nurse practitioner;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration), X- ray examinations or treatments, CAT Scan, Magnetic Resonance Imaging, Ultrasound, Sonogram; diagnostic testing; and laboratory tests;

d) ambulance service;

e) drugs, medicines, and therapeutic services and supplies; and

f) expenses for emergency dental treatment due to an Accidental Injury to Sound Natural Teeth.

The Company will not pay benefits in excess of the Reasonable and Customary charges. Benefits for Accidental Injury to Sound Natural Teeth are limited to $750.

When used in this coverage, Sound Natural Teeth mean:

1. Teeth and gums that were whole or properly restored prior to the Accidental Injury; and

2. Medically Necessary treatment is a direct result of the Accidental Injury.

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 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 Benefit s under the Policy have been paid.

32 InsureandGo USA
Global Gold excl US
$250,000 per person Primary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE AND EMERGENCY ACCIDENT DENTAL EXPENSE

The Company will pay benefits up to the limit shown on Your Confirmation of Coverage, 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 Your Covered Trip.

Covered Medical Expenses for the purpose of this coverage only 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, nurse or nurse practitioner;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration), X- ray examinations or treatments, CAT Scan, Magnetic Resonance Imaging, Ultrasound, Sonogram; diagnostic testing; and laboratory tests;

d) ambulance service;

e) drugs, medicines, and therapeutic services and supplies; and

f) expenses for emergency dental treatment due to an Accidental Injury to Sound Natural Teeth.

The Company will not pay benefits in excess of the Reasonable and Customary charges. Benefits for Accidental Injury to Sound Natural Teeth are limited to $750.

When used in this coverage, Sound Natural Teeth mean:

1. Teeth and gums that were whole or properly restored prior to the Accidental Injury; and

2. Medically Necessary treatment is a direct result of the Accidental Injury.

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 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 Benefit s under the Policy have been paid.

33 InsureandGo USA
Global Platinum excl US
$500,000 per person Primary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE AND EMERGENCY ACCIDENT DENTAL EXPENSE

The Company will pay benefits up to the limit shown on Your Confirmation of Coverage, 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 Your Covered Trip.

Covered Medical Expenses for the purpose of this coverage only 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, nurse or nurse practitioner;

b) charges for Hospital confinement and use of operating rooms;

c) charges for anesthetics (including administration), X- ray examinations or treatments, CAT Scan, Magnetic Resonance Imaging, Ultrasound, Sonogram; diagnostic testing; and laboratory tests;

d) ambulance service;

e) drugs, medicines, and therapeutic services and supplies; and

f) expenses for emergency dental treatment due to an Accidental Injury to Sound Natural Teeth.

The Company will not pay benefits in excess of the Reasonable and Customary charges. Benefits for Accidental Injury to Sound Natural Teeth are limited to $750.

When used in this coverage, Sound Natural Teeth mean:

1. Teeth and gums that were whole or properly restored prior to the Accidental Injury; and

2. Medically Necessary treatment is a direct result of the Accidental Injury.

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 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 Benefit s under the Policy have been paid.

34 John Hancock Insurance Agency, Inc.
Bronze
$10,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT OR SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

“Covered Medical Expenses” are Medically Necessary services and supplies which 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, Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury);

c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

(d) ambulance service;

(e) drugs, medicines, prosthetics and therapeutic services and supplies;

(f) emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

35 John Hancock Insurance Agency, Inc.
Gold
$100,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT OR SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the limit shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury or Sickness which occurs during the Covered Trip. You must receive initial treatment for Accidental Injuries or Sickness while on the Covered Trip.

“Covered Medical Expenses” are Medically Necessary services and supplies which 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, Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury);

c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

(d) ambulance service;

(e) drugs, medicines, prosthetics and therapeutic services and supplies;

(f) emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.
We will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

36 MedjetAssist
Annual Membership
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

37 MedjetAssist
MedjetAssist Extended Stay
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

38 MedjetAssist
MedjetAssist Short Term Plan
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

39 MH Ross Travel Insurance Services
Asset Plus
$50,000 per person Primary coverage Quote

Full Policy Wording

We will pay benefits, up to maximum shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury which occurs during the Trip or a Sickness which first manifests itself during the 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 Sickness.

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

a) the services of a Physician;

b) Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a hospital room for recovery from an Accidental Injury or Sickness);

c) charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;

d) ambulance services;

e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) up to $750 for emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the reasonable and customary charges.

“Reasonable and Customary Charges” means charges commonly used by Physicians in the locality in which care is furnished.

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

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

40 MH Ross Travel Insurance Services
Bridge
$100,000 per person Primary coverage Quote

Full Policy Wording

We will pay benefits, up to maximum shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury which occurs during the Trip or a Sickness which first manifests itself during the 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 Sickness.

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

a) the services of a Physician;

b) Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a hospital room for recovery from an Accidental Injury or Sickness);

c) charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;

d) ambulance services; (e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) up to $750 for emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the reasonable and customary charges.

“Reasonable and Customary Charges” means charges commonly used by Physicians in the locality in which care is furnished.

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

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

41 MH Ross Travel Insurance Services
Complete
$250,000 per person Primary coverage Quote

Full Policy Wording

We will pay benefits, up to maximum shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury which occurs during the Trip or a Sickness which first manifests itself during the 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 Sickness.

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

a) the services of a Physician;

b) Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a hospital room for recovery from an Accidental Injury or Sickness);

c) charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;

d) ambulance services;

e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) up to $750 for emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the reasonable and customary charges.

“Reasonable and Customary Charges” means charges commonly used by Physicians in the locality in which care is furnished.

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

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

42 MH Ross Travel Insurance Services
Asset
$50,000 per person Primary coverage Quote

Full Policy Wording

We will pay benefits, up to maximum shown on the Schedule of Benefits, if You incur necessary Covered Medical Expenses as a result of Emergency Treatment of an Accidental Injury which occurs during the Trip or a Sickness which first manifests itself during the 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 Sickness.

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

a) the services of a Physician;

b) Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a hospital room for recovery from an Accidental Injury or Sickness);

c) charges for anesthetics (including administration), x-ray examinations or treatments, and laboratory tests;

d) ambulance services; (e) drugs, medicines, prosthetics and therapeutic services and supplies;

f) up to $750 for emergency dental treatment for the relief of pain.

We will not pay benefits in excess of the reasonable and customary charges.

“Reasonable and Customary Charges” means charges commonly used by Physicians in the locality in which care is furnished.

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

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

43 RoamRight
Essential
$15,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND SICKNESS MEDICAL EXPENSE The Company will pay benefits up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, Covered Medical Expenses which are incurred while on Your Trip, for Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip.

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

Covered Medical Expenses are necessary services and supplies which 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) Charges 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 means 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 Trip.

The Company will advance payment to a Hospital, up to the maximum shown on the accompanying Confirmation of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness. The Company will pay benefits, up to $500.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

If You are hospitalized due to an Accidental Injury or Sickness, which first occurred during the course of the scheduled 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.

44 RoamRight
Essential
$15,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for covered Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following: 1) covered Medical Expenses will only be payable at the Usual and Customary level of charges; 2) benefits will be payable only for covered Medical Expenses resulting from an Emergency Condition that first manifests itself or occurs while on Your Trip; 3) only Medical Expenses incurred during Your Trip will be reimbursed. Medical Expenses incurred after You return from Your Trip are not covered; and 4) benefits are subject to a $50 deductible for each occurrence.

Benefits will include up to $500 for expenses incurred during Your Trip for emergency dental treatment. Dental expenses incurred after Your Trip is completed are not covered.

“Emergency Condition” means an Injury or Sickness diagnosed by a Physician for which You have sudden and unexpected severe or acute symptoms 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. The severe or acute symptoms must occur while on Your Trip.

“Medical Expenses” means expenses incurred only for the following:

1. medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip), if recommended by Your attending Physician and approved by Us or Our Program Assistance Provider as a substitute for a hospital room for recovery from Your Emergency Condition;

3. local Transportation Expense to and/or from a Hospital.

We will not pay benefits in excess of the Usual and Customary level of charges. We will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

We will advance payment to a Hospital, up to the Maximum Benefit Amount shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of a covered Emergency Condition.

45 RoamRight
Preferred
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND SICKNESS MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, Covered Medical Expenses which are incurred while on Your Trip, for Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip.

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

Covered Medical Expenses are necessary services and supplies which 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) Charges 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 means 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 Trip.

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

The Company will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

If You are hospitalized due to an Accidental Injury or Sickness, which first occurred during the course of the scheduled 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.

46 RoamRight
Preferred
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for covered Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following: 1) covered Medical Expenses will only be payable at the Usual and Customary level of charges; 2) benefits will be payable only for covered Medical Expenses resulting from an Emergency Condition that first manifests itself or occurs while on Your Trip; 3) only Medical Expenses incurred during Your Trip will be reimbursed. Medical Expenses incurred after You return from Your Trip are not covered; and 4) benefits are subject to a $50 deductible for each occurrence.

Benefits will include up to $750 for expenses incurred during Your Trip for emergency dental treatment. Dental expenses incurred after Your Trip is completed are not covered.

“Emergency Condition” means an Injury or Sickness diagnosed by a Physician for which You have sudden and unexpected severe or acute symptoms 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. The severe or acute symptoms must occur while on Your Trip.

“Medical Expenses” means expenses incurred only for the following:

1. medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip), if recommended by Your attending Physician and approved by Us or Our Program Assistance Provider as a substitute for a hospital room for recovery from Your Emergency Condition;

3. local Transportation Expense to and/or from a Hospital.

We will not pay benefits in excess of the Usual and Customary level of charges. We will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

We will advance payment to a Hospital, up to the Maximum Benefit Amount shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of a covered Emergency Condition.

47 RoamRight
Elite
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND SICKNESS MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, Covered Medical Expenses which are incurred while on Your Trip, for Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip.

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

Covered Medical Expenses are necessary services and supplies which 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) Charges 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 means 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 Trip.

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

The Company will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

If You are hospitalized due to an Accidental Injury or Sickness, which first occurred during the course of the scheduled 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.

48 RoamRight
Elite
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for covered Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following: 1) covered Medical Expenses will only be payable at the Usual and Customary level of charges; 2) benefits will be payable only for covered Medical Expenses resulting from an Emergency Condition that first manifests itself or occurs while on Your Trip; 3) only Medical Expenses incurred during Your Trip will be reimbursed. Medical Expenses incurred after You return from Your Trip are not covered; and 4) benefits are subject to a $50 deductible for each occurrence.

Benefits will include up to $750 for expenses incurred during Your Trip for emergency dental treatment. Dental expenses incurred after Your Trip is completed are not covered.

“Emergency Condition” means an Injury or Sickness diagnosed by a Physician for which You have sudden and unexpected severe or acute symptoms 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. The severe or acute symptoms must occur while on Your Trip.

“Medical Expenses” means expenses incurred only for the following:

1. medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip), if recommended by Your attending Physician and approved by Us or Our Program Assistance Provider as a substitute for a hospital room for recovery from Your Emergency Condition;

3. local Transportation Expense to and/or from a Hospital.

We will not pay benefits in excess of the Usual and Customary level of charges. We will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

We will advance payment to a Hospital, up to the Maximum Benefit Amount shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of a covered Emergency Condition.

49 RoamRight
Active
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND SICKNESS MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, Covered Medical Expenses which are incurred while on Your Trip, for Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip.

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

Covered Medical Expenses are necessary services and supplies which 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) Charges 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 means 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 Trip.

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

The Company will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

If You are hospitalized due to an Accidental Injury or Sickness, which first occurred during the course of the scheduled 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.

50 RoamRight
Active
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for covered Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following: 1) covered Medical Expenses will only be payable at the Usual and Customary level of charges; 2) benefits will be payable only for covered Medical Expenses resulting from an Emergency Condition that first manifests itself or occurs while on Your Trip; 3) only Medical Expenses incurred during Your Trip will be reimbursed. Medical Expenses incurred after You return from Your Trip are not covered; and 4) benefits are subject to a $50 deductible for each occurrence.

Benefits will include up to $750 for expenses incurred during Your Trip for emergency dental treatment. Dental expenses incurred after Your Trip is completed are not covered.

“Emergency Condition” means an Injury or Sickness diagnosed by a Physician for which You have sudden and unexpected severe or acute symptoms 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. The severe or acute symptoms must occur while on Your Trip.

“Medical Expenses” means expenses incurred only for the following:

1. medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip), if recommended by Your attending Physician and approved by Us or Our Program Assistance Provider as a substitute for a hospital room for recovery from Your Emergency Condition;

3. local Transportation Expense to and/or from a Hospital.

We will not pay benefits in excess of the Usual and Customary level of charges. We will not cover any expenses
provided by another party at no cost to You or already included within the cost of the Trip.

We will advance payment to a Hospital, up to the Maximum Benefit Amount shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of a covered Emergency Condition.

51 RoamRight
Adventure
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND SICKNESS MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on Your Confirmation of Benefits subject to the $50 deductible for each occurrence, Covered Medical Expenses which are incurred while on Your Trip, for Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip.

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

Covered Medical Expenses are necessary services and supplies which 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) Charges 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 means 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 Trip.

The Company will advance payment to a Hospital, up to the maximum shown on the accompanying Confirmation of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness. The Company will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

If You are hospitalized due to an Accidental Injury or Sickness, which first occurred during the course of the scheduled 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.

52 RoamRight
Adventure
$50,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for covered Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following: 1) covered Medical Expenses will only be payable at the Usual and Customary level of charges; 2) benefits will be payable only for covered Medical Expenses resulting from an Emergency Condition that first manifests itself or occurs while on Your Trip; 3) only Medical Expenses incurred during Your Trip will be reimbursed. Medical Expenses incurred after You return from Your Trip are not covered; and 4) benefits are subject to a $50 deductible for each occurrence.

Benefits will include up to $750 for expenses incurred during Your Trip for emergency dental treatment. Dental expenses incurred after Your Trip is completed are not covered.

“Emergency Condition” means an Injury or Sickness diagnosed by a Physician for which You have sudden and unexpected severe or acute symptoms 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. The severe or acute symptoms must occur while on Your Trip.

“Medical Expenses” means expenses incurred only for the following:

1. medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip), if recommended by Your attending Physician and approved by Us or Our Program Assistance Provider as a substitute for a hospital room for recovery from Your Emergency Condition;

3. local Transportation Expense to and/or from a Hospital.

We will not pay benefits in excess of the Usual and Customary level of charges. We will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

We will advance payment to a Hospital, up to the Maximum Benefit Amount shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of a covered Emergency Condition.

53 RoamRight
Multi-Trip
$15,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY ACCIDENT AND SICKNESS MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on Your Confirmation of Benefits, Covered Medical Expenses which are incurred while on Your Trip, for Emergency Treatment of an Accidental Injury which occurs while on Your Trip or a Sickness which first manifests itself during the Trip.

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

Covered Medical Expenses are necessary services and supplies which 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) Charges 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 means 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 Trip.

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

The Company will pay benefits, up to $500.00, for emergency dental treatment for Accidental Injury to sound natural teeth.

If You are hospitalized due to an Accidental Injury or Sickness, which first occurred during the course of the scheduled 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.

54 RoamRight
Multi-Trip Medical excl US
$100,000 per person Secondary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

The Company will pay Covered Expenses due to Accident or Sickness, as per the limits stated in Your Schedule of Coverage and Service, Accident and Sickness Medical Expense. Coverage is limited to Covered Expenses incurred subject to the Limitations and Exclusions section. All bodily Injuries sustained in any one Accident shall be considered one Disablement; 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 (including complications arising there from), the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement.

Treatment of an Injury or Illness must occur within 30 days of the Accident or onset of the Illness. Illness must manifest itself during the Period of Coverage.

When a covered Injury or Illness is incurred by You, the Company will pay Reasonable and Customary medical expenses of the Deductible and Coinsurance as stated in Your Schedule of Coverage and Service, Accident and Sickness Medical Expense. In no event shall the Company’s maximum liability exceed the maximum stated in Your Schedule of Coverage and Service for Accident and Sickness Medical Expense, as to Covered Expenses during any one period of individual coverage.

The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under the policy. These expenses must be borne by You.

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 the Limitation and Exclusions section, shall be considered as Covered Expenses:
1) Charges made by a Hospital for room and board, floor nursing and other Hospital services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semiprivate room and board accommodation.
2) Charges made for diagnosis, Treatment and Surgery by a Physician.
3) Charges made for an operating room.
4) Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations. 5) Charges made for the cost and administration of anesthetics.
6) Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, and medical Treatment.
7) Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician.

Accident and Sickness Medical Expense Benefit Period: Only those expenses specifically described above which are incurred within the Benefit Period stated in Your Schedule of Coverage and Service, Accident and Sickness Medical Expense, from the onset of an Injury or Illness and which are not excluded in Limitations and Exclusions section, are considered Covered Expenses. Initial Treatment of an Injury or Illness must occur within 30 days of the Accident or Illness. Illness must first manifest itself during the Period of Coverage.

DENTAL

When covered Dental expenses are incurred by You, the Company will pay Reasonable and Customary expenses in excess of the Deductible and Coinsurance as stated in Your Schedule of Coverage and Service, Dental. In no event shall the Company’s maximum liability exceed the maximum stated in Your Schedule of Coverage and Service, Dental, as to Covered Expenses during any one period of individual coverage.

For the purpose of this section, only such expenses, incurred as the result of an eligible Dental condition, in which services or Medications are prescribed, performed, or ordered by a Dentist and enumerated below, and which are not excluded in the Limitations and Exclusions section, shall be considered as Covered Expenses. With respect to Accidental Dental, an eligible Dental condition shall mean emergency dental repair or replacement to sound, natural teeth damaged as a result of a covered Accident.

55 RoamRight
Medical excl US
$50,000 per person Secondary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

The Company will pay Covered Expenses due to Accident or Sickness, as per the limits stated in Your Schedule of Coverage and Service, Accident and Sickness Medical Expense. Coverage is limited to Covered Expenses incurred subject to the Limitations and Exclusions section. All bodily Injuries sustained in any one Accident shall be considered one Disablement; 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 (including complications arising there from), the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. Treatment of an Injury or Illness must occur within 30 days of the Accident or onset of the Illness. Illness must manifest itself during the Period of Coverage.

When a covered Injury or Illness is incurred by You, the Company will pay Reasonable and Customary medical expenses of the Deductible and Coinsurance as stated in Your Schedule of Coverage and Service, Accident and Sickness Medical Expense. In no event shall the Company’s maximum liability exceed the maximum stated in Your Schedule of Coverage and Service for Accident and Sickness Medical Expense, as to Covered Expenses during any one period of individual coverage.

The Deductible and Coinsurance amount consists of Covered Expenses which would otherwise be payable under the policy. These expenses must be borne by You.

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 the Limitations and Exclusions section, shall be considered as Covered Expenses:
1) Charges made by a Hospital for room and board, floor nursing and other Hospital services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semiprivate room and board accommodation.
2) Charges made for diagnosis, Treatment and Surgery by a Physician.
3) Charges made for an operating room.
4)Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory and Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.
5) Charges made for the cost and administration of anesthetics.
6) Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, and medical Treatment.
7) Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician.

Accident and Sickness Medical Expense Benefit Period: Only those expenses specifically described above which are incurred within the Benefit Period stated in Your Schedule of Coverage and Service, Accident and Sickness Medical Expense, from the onset of an Injury or Illness and which are not excluded in the Limitations and Exclusions section, are considered Covered Expenses. Initial Treatment of an Injury or Illness must occur within 30 days of the Accident or Illness. Illness must first manifest itself during the Period of Coverage.

Accident and Sickness Medical Incidental Home Country Benefit Period

As an accommodation and supplemental benefit, You will be covered under this insurance during incidental return trips to Your Home Country (“Incidental Trips”) up to a cumulative total of sixty (60) days during the Period of Coverage, provided that:
1) You have departed Your Home Country prior to any Incidental Trip; and
2) You have timely paid applicable Premium for at least thirty (30) days of continuous coverage; and
3) The intention or purpose of Your return trip to the Home Country is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of Your Home Country; and
4) Your return trip to the Home Country does not result in receiving Treatment for an Injury incurred or sustained while traveling outside of Your Home Country.

Only those expenses specifically described above which are incurred within Your Home Country for an Injury or Illness which occurred outside Your Home Country as stated in Your Schedule of Coverage and Service, Accident and Sickness Medical, Home Country Benefit, and during the period of coverage shall be paid. Covered Expenses described in (1 through 7) above which are incurred in Your Home Country are limited to the maximum stated in Your Schedule of Coverage and Service, Accident and Sickness Medical, Home Country Benefit.

Extension of Benefits: Those Covered Expenses that are incurred inside Your Home Country related to an Illness or Injury which occurred outside Your Home Country and during the period of coverage shall be paid. Covered Expenses described in (1 through 7) above which are incurred in Your Home Country are limited to the maximum stated in Your Schedule of Coverage and Service, Accident and Sickness Medical, Extension of Benefits.

IN-HOSPITAL INDEMNITY

The Company will pay the daily benefit shown in Your Schedule of Coverage and Service, In-Hospital Indemnity if You are confined to a Hospital as a registered inpatient as the result of an Illness or Injury which first occurs during Your Individual Coverage Term and the Illness or Injury is not covered under the policy per the Limitations and Exclusions listed in Limitations and Exclusions section.

UNEXPECTED RECURRENCE

When Your Injury or Illness is not covered under the policy due to any of the following: 1) the condition caused You to seek medical advice, diagnosis, care or Treatment during the 180 days prior to the Effective Date of coverage under the policy; 2) medical advice, diagnosis, care or treatment was recommended or received for the condition during the 180 days prior to the Effective Date of coverage under the policy.

DENTAL

When covered Dental expenses are incurred by You, the Company will pay Reasonable and Customary expenses in excess of the Deductible and Coinsurance as stated in Your Schedule of Coverage and Service, Dental. In no event shall the Company’s maximum liability exceed the maximum stated in Your Schedule of Coverage and Service, Dental, as to Covered Expenses during any one period of individual coverage.

For the purpose of this section, only such expenses, incurred as the result of an eligible Dental condition, in which services or Medications are prescribed, performed, or ordered by a Dentist and enumerated below, and which are not excluded in the Limitations and Exclusions section, shall be considered as Covered Expenses. With respect to Accidental Dental, an eligible Dental condition shall mean emergency dental repair or replacement to sound, natural teeth damaged as a result of a covered Accident.

56 RoamRight
Evacuation
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

57 Seven Corners Inc
RoundTrip
$75,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY 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 a Sickness that first manifests itself during the Trip.

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

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 Sickness. If You are hospitalized due to a Sickness (which first occurred during the course of the scheduled 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 Plan have been paid.

EMERGENCY ACCIDENT MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Emergency Treatment of an Accidental Injury that occurs during the Trip. Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

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) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

d) ambulance service; and

e) drugs, medicines, prosthetic and therapeutic services and supplies.

The Company will not pay benefits in excess of the reasonable and customary charges. Reasonable and customary charges means 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 Trip.

The Company will pay benefits, up to $750.00, 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 Accidental Injury.

If You are hospitalized due to an Accidental Injury which first occurred during the course of the scheduled 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 Plan have been paid.

58 Seven Corners Inc
RoundTrip Choice
$150,000 per person Secondary coverage Quote

Full Policy Wording

EMERGENCY 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 a Sickness that first manifests itself during the Trip.

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

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 Sickness. If You are hospitalized due to a Sickness (which first occurred during the course of the scheduled 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 Plan have been paid.

EMERGENCY ACCIDENT MEDICAL EXPENSE

The Company will pay benefits up to the maximum shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Emergency Treatment of an Accidental Injury that occurs during the Trip. Emergency Treatment means necessary medical treatment, including services and supplies, which must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

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) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

d) ambulance service; and

e) drugs, medicines, prosthetic and therapeutic services and supplies.

The Company will not pay benefits in excess of the reasonable and customary charges. Reasonable and customary charges means 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 Trip.

The Company will pay benefits, up to $750.00, 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 Accidental Injury.

If You are hospitalized due to an Accidental Injury which first occurred during the course of the scheduled 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 Plan have been paid.

59 Seven Corners Inc
Liaison Continent excl US
$50,000 per person Secondary coverage Quote

Full Policy Wording

Medical Expenses: Only such expenses, incurred as the result of and within one hundred and eighty days (180) days from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in EXCLUSIONS AND LIMITATIONS, shall be considered as Covered Expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations; charges made for an operating room.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.

4. Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

5. 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.

6. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.

7. Ground ambulance (within the metropolitan area, up to the maximum stated in the Schedule of Benefits) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area and unreachable by ground ambulance, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

8. Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owing to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the Insured Person.

9. Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.

10. Charges for Home Health Care up to a $2,500 Maximum per Policy Period.

11. Charges for care in a licensed Extended Care Facility as defined herein, upon direct transfer from an acute care Hospital.

The charges enumerated herein shall in no event include any amount of such charges which are in excess of Reasonable and Customary charges. If the charge incurred is in excess of such average charge, such excess amount shall not be recognized as a Covered Expense. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained.

60 Seven Corners Inc
Liaison Majestic excl US
$60,000 per person Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSE BENEFITS

Coinsurance

If the Insured Person is traveling inside the United States and Canada: When a covered Injury or Illness is incurred by the Insured Person, the Company will pay 80% of the first $5,000 of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card. Thereafter, the Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses up to the medical maximum as stated on the ID Card. In no event shall the Company’s maximum liability exceed the medical maximum as stated on the ID Card. The Deductible and Coinsurance amount consist 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.

If the Insured Person is traveling outside the United States and Canada: The Company will pay 100% of Reasonable and Customary medical charges for Covered Expenses, excess of the Policy Period Deductible as stated on the ID Card, up to the medical maximum as stated on the ID Card. In no event shall the Company’s maximum liability exceed the medical 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 one hundred and eighty (180) days 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:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and (with the exception of personal services of a non-medical nature); provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations, charges made for an operating room.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.

4. Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

5. 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.

6. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.

7. Ground ambulance (within the metropolitan area, up to a $5,000 maximum) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

8. Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owing to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the Insured Person.

9. Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.

The charges enumerated herein shall in no event include any amount of such charges which are in excess of Reasonable and Customary charges. If the charge incurred is in excess of such average charge, such excess amount shall not be recognized as a Covered Expense. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained.

61 Seven Corners Inc
Liaison International excl US
$50,000 per person Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSES:

We shall pay Reasonable and Customary charges for Covered Expenses, excess of the chosen Deductible and Coinsurance up to the selected medical maximum, incurred by a Plan Participant due to an Accidental Injury or Illness which occurred during the Period of Coverage outside the Plan Participant’s 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 thirty (30) days of the date of Injury or onset of Illness.

Only such expenses which are specifically enumerated in the following list of charges and incurred within one hundred eighty (180) days from the date of Accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1) Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2) Charges made for Intensive Care or Coronary Care charges and nursing services.

3) Charges made for diagnosis, Treatment and Surgery by a Physician.

4) Charges made for an operating room.

5) Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

6) Charges made for the cost and administration of anesthetics.

7) 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.

8) Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

9) Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

10) Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance, within the metropolitan area in which the Plan Participant are located at that time the service is used. If the Plan Participant is in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense. This benefit is covered only to the maximum stated in the Schedule of Benefits for the Local Ambulance Benefit.

HOSPITAL INDEMNITY:

If a the Plan Participant is confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during their Period of Coverage, the Policy will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days per Occurrence. (Only available for travel outside the United States and Canada)

DENTAL (ACCIDENT COVERAGE):

The Policy shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. The Plan Participant is not covered if He breaks a tooth while eating or biting into a foreign object.

DENTAL (SUDDEN RELIEF OF PAIN):

The Policy shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment for the relief of pain to Sound Natural Teeth.

62 Seven Corners Inc
RoundTrip Economy
$10,000 per person Secondary coverage Quote

Full Policy Wording

ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of 90 days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of 90 days or less for Sickness) will be reimbursed. Expenses incurred after Your Trip are not covered.

Benefits will include up to $750 for expenses for emergency dental treatment due to Injury to natural teeth.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The authorized travel assistance company will coordinate advance payment to the Hospital.

For the purpose of this benefit:

“Covered Expense” means expense incurred only for the following:

1. The medical services, prescription drugs, prosthetics, and therapeutic services and supplies ordered or prescribed by a Legally Qualified Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of the Your Trip, if recommended as a substitute for a hospital room for recovery from a Covered Accidental Injury or covered Sickness);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital.

These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

63 Seven Corners Inc
RoundTrip Elite
$250,000 per person Secondary coverage Quote

Full Policy Wording

ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of 90 days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of 90 days or less for Sickness) will be reimbursed. Expenses incurred after Your Trip are not covered.

Benefits will include up to $750 expenses for emergency dental treatment due to Injury to natural teeth.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The authorized travel assistance company will coordinate advance payment to the Hospital.

For the purpose of this benefit: “Covered Expense” means expense incurred only for the following:

1. The medical services, prescription drugs, prosthetics, and therapeutic services and supplies ordered or prescribed by a Legally Qualified Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of the Your Trip, if recommended as a substitute for a hospital room for recovery from a Covered Accidental Injury or covered Sickness);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital.

These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

64 Seven Corners Inc
Wander Frequent Traveler excl US
$1,000,000 per person Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSE BENEFITS

Only such expenses, incurred as the result of and within ninety (90) days 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:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and (with the exception of personal services of a non-medical nature); charges made for an operating room.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics.

4. Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

5. Emergency treatment of an Injury or Illness. Emergency treatment of an Illness is subject to an extra per occurrence deductible of $250 as outlined in the Schedule of Benefits. This additional deductible is waived if You are directly admitted to the Hospital as an Inpatient for further treatment of that Illness.

6. 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.

7. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.

8. Local Ambulance Benefit: Ground ambulance (within the metropolitan area, up to a $ 5,000 maximum) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area, then licensed ground ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

9. Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room due to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the Insured Person.

10. Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items.

11. Charges for Home Health Care up to a $2,500 Maximum per Period of Coverage.

12. Charges for care in a licensed Extended Care Facility as defined herein, upon direct transfer from an acute care Hospital.

The charges enumerated herein shall in no event include any amount of such charges which are in excess of Reasonable and Customary charges. If the charge incurred is in excess of such average charge, such excess amount shall not be recognized as a Covered Expense. All charges shall be deemed to be incurred on the date such services or supplies which give rise to the expense or charge are rendered or obtained.

65 Tin Leg
Economy
$100,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits subject to the Deductible and coinsurance, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury which occurs during the Covered Trip or Sickness which first manifests itself during the Covered Trip.

Covered Expenses are Medically Necessary services and supplies which 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) Hospital or ambulatory medical-surgical center services (this may also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);

d) charges for anesthetics (including administration);

e) x-ray examinations or treatments, and laboratory tests;

f) ambulance service;

g) drugs, medicines, prosthetics and therapeutic services and supplies; and

h) emergency dental treatment for the relief of pain.

We will pay benefits, up to $250.00, for emergency dental treatment for Accidental Injury to sound natural teeth within 12 months of the Accidental Injury.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

66 Tin Leg
Standard
$250,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits subject to the Deductible and coinsurance, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury which occurs during the Covered Trip or Sickness which first manifests itself during the Covered Trip.

Covered Expenses are Medically Necessary services and supplies which 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) Hospital or ambulatory medical-surgical center services (this may also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);

d) charges for anesthetics (including administration);

e) x-ray examinations or treatments, and laboratory tests;

f) ambulance service;

g) drugs, medicines, prosthetics and therapeutic services and supplies; and

h) emergency dental treatment for the relief of pain.

We will pay benefits, up to $500.00, for emergency dental treatment for Accidental Injury to sound natural teeth within 12 months of the Accidental Injury.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

67 Tin Leg
Luxury
$500,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT AND SICKNESS MEDICAL EXPENSE

We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits subject to the Deductible and coinsurance, if You incur necessary Covered Medical Expenses as a result of an Accidental Injury which occurs during the Covered Trip or Sickness which first manifests itself during the Covered Trip.

Covered Expenses are Medically Necessary services and supplies which 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) Hospital or ambulatory medical-surgical center services (this may also include expenses for a Cruise ship cabin or Hotel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);

d) charges for anesthetics (including administration);

e) x-ray examinations or treatments, and laboratory tests;

f) ambulance service;

g) drugs, medicines, prosthetics and therapeutic services and supplies; and

h) emergency dental treatment for the relief of pain.

We will pay benefits, up to $750.00, for emergency dental treatment for Accidental Injury to sound natural teeth within 12 months of the Accidental Injury.

We will not pay benefits in excess of the Reasonable and Customary Charges. We will not cover any expenses incurred by another party at no cost to You or already included within the cost of the Covered Trip.

We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital because of Accidental Injury or Sickness.

68 Travel Insured International
Worldwide Trip Protector Lite
$10,000 per person Secondary coverage Quote

Full Policy Wording

COVERAGE H

ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Confirmation of Benefits as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of 90 days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of 90 days or less for Sickness) will be reimbursed. Expenses incurred after Your Trip are not covered.

Benefits will include up to $750 expenses for emergency dental treatment due to Injury to natural teeth.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The authorized travel assistance company will coordinate advance payment to the Hospital. For the purpose of this benefit:

“Covered Expense” means expense incurred only for the following:

1. The medical services, prescription drugs, prosthetics, and therapeutic services and supplies ordered or prescribed by a Legally Qualified Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of the Your Trip, if recommended as a substitute for a hospital room for recovery from a Covered Accidental Injury or covered Sickness);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital.

These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

69 Travel Insured International
Worldwide Trip Protector Plus
$100,000 per person Primary coverage Quote

Full Policy Wording

COVERAGE K

ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Confirmation of Benefits as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of 90 days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of 90 days or less for Sickness) will be reimbursed. Expenses incurred after Your Trip are not covered.

Benefits will include up to $750 expenses for emergency dental treatment due to Injury to natural teeth.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The authorized travel assistance company will coordinate advance payment to the Hospital.

For the purpose of this benefit:

“Covered Expense” means expense incurred only for the following:

1. The medical services, prescription drugs, prosthetics, and therapeutic services and supplies ordered or prescribed by a Legally Qualified Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of the Your Trip, if recommended as a substitute for a hospital room for recovery from a Covered Accidental Injury or covered Sickness);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital.

These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

70 Travel Insured International
Worldwide Trip Protector
$100,000 per person Secondary coverage Quote

Full Policy Wording

COVERAGE I

ACCIDENT & SICKNESS MEDICAL EXPENSE

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Confirmation of Benefits as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of 90 days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of 90 days or less for Sickness) will be reimbursed. Expenses incurred after Your Trip are not covered.

Benefits will include up to $750 expenses for emergency dental treatment due to Injury to natural teeth.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The authorized travel assistance company will coordinate advance payment to the Hospital.

For the purpose of this benefit:

“Covered Expense” means expense incurred only for the following:

1. The medical services, prescription drugs, prosthetics, and therapeutic services and supplies ordered or prescribed by a Legally Qualified Physician as Medically Necessary for treatment;

2. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of the Your Trip, if recommended as a substitute for a hospital room for recovery from a Covered Accidental Injury or covered Sickness);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital.

These benefits will not duplicate any benefits payable under the Policy or any coverage(s) attached to the Policy.

71 Travelex Insurance Services
Flight Insure Multi-trip - AD&D Only
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

72 Travelex Insurance Services
Flight Insure Package Plan Multi-trip
$2,500 per person accident $2,500 per person sickness Primary coverage Quote

Full Policy Wording

MEDICAL EXPENSE BENEFITS

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.

Covered Expenses:
1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you during a Covered Trip;
2. expenses for emergency dental treatment incurred by you during a Covered Trip.

73 Travelex Insurance Services
Flight Insure Plus - Flight AD&D Only
No coverage Quote

Full Policy Wording

There is no Emergency Medical coverage with this plan.

74 Travelex Insurance Services
Flight Insure Plus - Package Plan
$2,500 per person accident $2,500 per person sickness Primary coverage Quote

Full Policy Wording

MEDICAL EXPENSE BENEFITS

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.

Covered Expenses:
1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you during a Covered Trip;
2. expenses for emergency dental treatment incurred by you during a Covered Trip.

75 Travelex Insurance Services
Travel Basic
$15,000 per person accident $15,000 per person sickness Primary coverage Quote

Full Policy Wording

Emergency Medical & Dental Expense Benefits

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.

Covered Expenses:

1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services;

2. expenses for emergency dental treatment incurred by you during a Covered Trip. Please refer to the Definitions for an explanation of Pre-Existing Conditions which are excluded under the Medical Expense Benefits.

Your duties in the event of a Medical Expense:

1. You must provide us with all bills and reports for medical and/or dental expenses claimed.

2. You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.

3. You must sign a patient authorization to release any information required by us, to investigate your claim.

76 Travelex Insurance Services
Travel Max
$100,000 per person Primary coverage Quote

Full Policy Wording

Emergency Medical & Dental Expense Benefits

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.

Covered Expenses:

1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services;

2. expenses for emergency dental treatment incurred by you during a Covered Trip.

Please refer to the Definitions for an explanation of Pre-Existing Conditions which are excluded under the Medical Expense Benefits.

If your cat or dog accompanies you on your Covered Trip and as a result of sickness or injury that first manifests itself or first occurs during the Covered Trip, we will pay a benefit up to $1,000, subject to a $50 deductible, for Emergency Medical Treatment if your cat or dog incurs Covered Medical Expenses.

Benefits amounts are payable on an aggregate limit for all cats or dogs accompanying you on your Covered Trip.

77 Travelex Insurance Services
Travel Select
$50,000 per person Primary coverage Quote

Full Policy Wording

Emergency Medical & Dental Expense Benefits

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.

Covered Expenses:

1. expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services;

2. expenses for emergency dental treatment incurred by you during a Covered Trip.

Please refer to the Definitions for an explanation of Pre-Existing Conditions which are excluded under the Medical Expense Benefits.

78 TravelSafe
Basic
$35,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT & SICKNESS MEDICAL EXPENSE

For the purpose of this benefit:

“Covered Expense” means expense incurred for services and supplies: a) listed below; and b) ordered or prescribed by a Legally Qualified Physician as Medically Necessary for diagnosis or treatment; which is limited to:

1. The services of a Legally Qualified Physician;

2. Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery of a Sickness or Injury);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital; and prescribed drugs, prosthetics and therapeutic services and supplies.

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount, if You incur a Covered Expense as a result of a Sickness that first manifests itself during the Trip or Injury that occurs during the Trip.

Only Covered Expenses incurred during the Trip will be reimbursed. Expenses incurred after the Trip are not covered.

Benefits will include expenses incurred during the Trip for emergency dental treatment due to Injury not to exceed $750. Expenses for emergency dental treatment incurred after the Trip are not covered.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed, to secure Your admission to a Hospital, because of a covered Sickness or Injury. The Program Medical Advisor will coordinate advance payment to the Hospital.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

79 TravelSafe
Classic
$100,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT & SICKNESS MEDICAL EXPENSE

For the purpose of this benefit:

“Covered Expense” means expense incurred for services and supplies: (a) listed below; and (b) ordered or prescribed by a Legally Qualified Physician as Medically Necessary for diagnosis or treatment; which is limited to:

1. The services of a Legally Qualified Physician;

2. Hospital or ambulatory medical – surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery of a Sickness or Injury);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital; and prescribed drugs, prosthetics and therapeutic services and supplies.

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount, if You incur a Covered Expense as a result of a Sickness that first manifests itself during the Trip or Injury that occurs during the Trip.

Only Covered Expenses incurred during the Trip will be reimbursed. Expenses incurred after the Trip are not covered.

Benefits will include expenses incurred during the Trip for emergency dental treatment due to Injury not to exceed $750. Expenses for emergency dental treatment incurred after the Trip are not covered.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed, to secure Your admission to a Hospital, because of a covered Sickness or Injury. The Program Medical Advisor will coordinate advance payment to the Hospital.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

80 TravelSafe
Classic Plus
$100,000 per person Primary coverage Quote

Full Policy Wording

ACCIDENT & SICKNESS MEDICAL EXPENSE

For the purpose of this benefit:

“Covered Expense” means expense incurred for services and supplies: (a) listed below; and (b) ordered or prescribed by a Legally Qualified Physician as Medically Necessary for diagnosis or treatment; which is limited to:

1. The services of a Legally Qualified Physician;

2. Hospital or ambulatory medical-surgical center services (this will also include expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery of a Sickness or Injury);

3. Transportation furnished by a professional ambulance company to and/or from a Hospital; and prescribed drugs, prosthetics and therapeutic services and supplies.

Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount, if You incur a Covered Expense as a result of a Sickness that first manifests itself during the Trip or Injury that occurs during the Trip.

Only Covered Expenses incurred during the Trip will be reimbursed. Expenses incurred after the Trip are not covered.

Benefits will include expenses incurred during the Trip for emergency dental treatment due to Injury not to exceed $750. Expenses for emergency dental treatment incurred after the Trip are not covered.

Benefits will not be paid in excess of the Usual and Customary Charges.

Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed, to secure Your admission to a Hospital, because of a covered Sickness or Injury. The Program Medical Advisor will coordinate advance payment to the Hospital.

These benefits will not duplicate any benefits payable under the policy or any coverage(s) attached to the policy.

81 Trawick International
Safe Travels International excl US
$50,000 per person Primary coverage Quote

Full Policy Wording

Covered Medical Expenses Benefit – If a covered Injury or Illness occurs during the Policy Period and you require medical or surgical treatment; this plan will pay, subject to the selected deductible, applicable co-insurance and benefit maximums, the following Covered Expenses, up to the selected policy maximum. The first charges must be incurred within 90 days after the date of the Covered Accident or Sickness. No benefits will be paid for any expenses incurred which are in excess of Usual and Customary Charges.

1. Hospital Room and Board Expenses: the average daily rate for a semi private room when a Covered Person is Hospital Confined and general nursing care is provided and charged for by the Hospital. In computing the number of days payable under this benefit, the date of admission will be counted but not the date of discharge.

2. Ancillary Hospital Expenses: services and supplies including operating room, laboratory tests, anesthesia and medicines when Hospital Con-fined. This does not include personal services of a non-medical nature.

3. Daily Intensive Care Unit Expenses: three times the average semi private room rate when a Covered Person is Hospital Confined in a bed in the Intensive Care Unit and nursing services other than private duty nursing services.

4. Medical Emergency Care (room and supplies) Expenses: incurred within 72 hours of an Accident or Sickness and including the attending Doctor’s charges, X-rays, laboratory procedures, use of the emergency room and supplies.

5. Doctor Non-Surgical Treatment and Examination Expenses including the Doctor’s initial visit, each Medically Necessary follow-up visit and consultation visits when referred by the attending Doctor.

6. Doctor’s Surgical Expenses.

7. Assistant Surgeon Expenses when Medically Necessary.

8. Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.

9. Physiotherapy Physical Medicine/Chiropractic Expenses on an inpatient or outpatient basis including treatment and office visits connected with such treatment when prescribed by a Doctor, including diathermy, ultrasonic, whirlpool, heat treatments, adjustments, manipulation, or any form of physical therapy and limited to $50 per visit, one visit per day and 10 visits per Policy Period.

10. X-ray Expenses (including reading charges).

11. Dental Expenses up to $ 500 due to Accidents or emergency alleviation of pain including dental x-rays for the repair or treatment of each tooth that is whole, sound and a natural tooth at the time of the Accident or emergency alleviation of dental pain.

12. Ambulance Expenses for transportation from the emergency site to the Hospital.

13. Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Doctor.

14. Medical Services and Supplies: expenses for blood and blood transfusions; oxygen and its administration.

15. Emergency medical treatment of pregnancy up to $2,500 per Policy Period.

16. Mental or nervous disorders or rest cures up to $2,500 per Policy Period.

82 Trawick International
Safe Travels USA Trip Protection
$50,000 per person Primary coverage Quote

Full Policy Wording

Covered Medical Expenses Benefit – If a covered Injury or Illness occurs during the Policy Period and you require medical or surgical treatment; this plan will pay, subject to the selected deductible, applicable co-insurance and benefit maximums, the following Covered Expenses, up to the selected policy maximum. The first charges must be incurred within 90 days after the date of the Covered Accident or Sickness. No benefits will be paid for any expenses incurred which are in excess of Usual and Customary Charges.

1. Hospital Room and Board Expenses: the average daily rate for a semi private room when a Covered Person is Hospital Confined and general nursing care is provided and charged for by the Hospital. In computing the number of days payable under this benefit, the date of admission will be counted but not the date of discharge.

2. Ancillary Hospital Expenses: services and supplies including operating room, laboratory tests, anesthesia and medicines when Hospital Con-fined. This does not include personal services of a non-medical nature.

3. Daily Intensive Care Unit Expenses: three times the average semi private room rate when a Covered Person is Hospital Confined in a bed in the Intensive Care Unit and nursing services other than private duty nursing services.

4. Medical Emergency Care (room and supplies) Expenses: incurred within 72 hours of an Accident or Sickness and including the attending Doctor’s charges, X-rays, laboratory procedures, use of the emergency room and supplies.

5. Doctor Non-Surgical Treatment and Examination Expenses including the Doctor’s initial visit, each Medically Necessary follow-up visit and consultation visits when referred by the attending Doctor.

6. Doctor’s Surgical Expenses.

7. Assistant Surgeon Expenses when Medically Necessary.

8. Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.

9. Physiotherapy Physical Medicine/Chiropractic Expenses on an inpatient or outpatient basis including treatment and office visits connected with such treatment when prescribed by a Doctor, including diathermy, ultrasonic, whirlpool, heat treatments, adjustments, manipulation, or any form of physical therapy and limited to $50 per visit, one visit per day and 10 visits per Policy Period.

10. X-ray Expenses (including reading charges).

11. Dental Expenses up to $ 250 due to Accidents or emergency alleviation of pain including dental x-rays for the repair or treatment of each tooth that is whole, sound and a natural tooth at the time of the Accident or emergency alleviation of dental pain.

12. Ambulance Expenses for transportation from the emergency site to the Hospital.

13. Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Doctor.

14. Medical Services and Supplies: expenses for blood and blood transfusions; oxygen and its administration.

15. Emergency medical treatment of pregnancy up to $1,000 per Policy Period.

16. Mental or nervous disorders or rest cures up to $2,500 per Policy Period.

83 Trawick International
Safe Travels International Trip Protection excl US
$50,000 per person Primary coverage Quote

Full Policy Wording

Covered Medical Expenses Benefit – If a covered Injury or Illness occurs during the Policy Period and you require medical or surgical treatment; this plan will pay, subject to the selected deductible, applicable co-insurance and benefit maximums, the following Covered Expenses, up to the selected policy maximum. The first charges must be incurred within 90 days after the date of the Covered Accident or Sickness. No benefits will be paid for any expenses incurred which are in excess of Usual and Customary Charges.

1. Hospital Room and Board Expenses: the average daily rate for a semi private room when a Covered Person is Hospital Confined and general nursing care is provided and charged for by the Hospital. In computing the number of days payable under this benefit, the date of admission will be counted but not the date of discharge.

2. Ancillary Hospital Expenses: services and supplies including operating room, laboratory tests, anesthesia and medicines when Hospital Con-fined. This does not include personal services of a non-medical nature.

3. Daily Intensive Care Unit Expenses: three times the average semi private room rate when a Covered Person is Hospital Confined in a bed in the Intensive Care Unit and nursing services other than private duty nursing services.

4. Medical Emergency Care (room and supplies) Expenses: incurred within 72 hours of an Accident or Sickness and including the attending Doctor’s charges, X-rays, laboratory procedures, use of the emergency room and supplies.

5. Doctor Non-Surgical Treatment and Examination Expenses including the Doctor’s initial visit, each Medically Necessary follow-up visit and consultation visits when referred by the attending Doctor.

6. Doctor’s Surgical Expenses.

7. Assistant Surgeon Expenses when Medically Necessary.

8. Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.

9. Physiotherapy Physical Medicine/Chiropractic Expenses on an inpatient or outpatient basis including treatment and office visits connected with such treatment when prescribed by a Doctor, including diathermy, ultrasonic, whirlpool, heat treatments, adjustments, manipulation, or any form of physical therapy and limited to $50 per visit, one visit per day and 10 visits per Policy Period.

10. X-ray Expenses (including reading charges).

11. Dental Expenses up to $ 500 due to Accidents or emergency alleviation of pain including dental x-rays for the repair or treatment of each tooth that is whole, sound and a natural tooth at the time of the Accident or emergency alleviation of dental pain.

12. Ambulance Expenses for transportation from the emergency site to the Hospital.

13. Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Doctor.

14. Medical Services and Supplies: expenses for blood and blood transfusions; oxygen and its administration.

15. Emergency medical treatment of pregnancy up to $2,500 per Policy Period.

16. Mental or nervous disorders or rest cures up to $2,500 per Policy Period.

84 USA-ASSIST Worldwide Protection
Global Travel Medical Diamond
$1,000,000 per occurrence Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSES

USA-Assist ® Global Travel Medical Insurance 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 thirty (30) days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges and incurred within one hundred eighty (180) days from the date of Accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, Treatment and Surgery by a Physician.

4. Charges made for an operating room.

5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis.

6. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

7. Charges made for the cost and administration of anesthetics.

8. 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.

9. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

10. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

11. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the maximum stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

HOSPITAL INDEMNITY

If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during Your Period of Coverage, this plan will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days. Only available for travel outside the United States

DENTAL

Accident Coverage – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. You are not covered if you break a tooth while eating or biting into a foreign object. Only available to programs purchased for 1 month or more.

Sudden Relief of Pain – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment for the relief of pain to Sound Natural Teeth. Only available to programs purchased for 1 month or more.

85 USA-ASSIST Worldwide Protection
Global Travel Medical Executive
$25,000 per occurrence Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSES

USA-Assist ® Global Travel Medical Insurance 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 thirty (30) days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges and incurred within one hundred eighty (180) days from the date of Accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, Treatment and Surgery by a Physician.

4. Charges made for an operating room.

5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis.

6. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

7. Charges made for the cost and administration of anesthetics.

8. 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.

9. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

10. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

11. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the maximum stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

HOSPITAL INDEMNITY

If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during Your Period of Coverage, this plan will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days. Only available for travel outside the United States

DENTAL

Accident Coverage – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. You are not covered if you break a tooth while eating or biting into a foreign object. Only available to programs purchased for 1 month or more.

Sudden Relief of Pain – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment for the relief of pain to Sound Natural Teeth. Only available to programs purchased for 1 month or more.

86 USA-ASSIST Worldwide Protection
Global Travel Medical Gold
$50,000 per occurrence Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSES

USA-Assist ® Global Travel Medical Insurance 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 thirty (30) days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges and incurred within one hundred eighty (180) days from the date of Accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, Treatment and Surgery by a Physician.

4. Charges made for an operating room.

5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis.

6. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

7. Charges made for the cost and administration of anesthetics.

8. 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.

9. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

10. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

11. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the maximum stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

HOSPITAL INDEMNITY

If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during Your Period of Coverage, this plan will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days. Only available for travel outside the United States

DENTAL

Accident Coverage – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. You are not covered if you break a tooth while eating or biting into a foreign object. Only available to programs purchased for 1 month or more.

Sudden Relief of Pain – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment for the relief of pain to Sound Natural Teeth. Only available to programs purchased for 1 month or more.

87 USA-ASSIST Worldwide Protection
Global Travel Medical Platinum
$150,000 per occurrence Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSES

USA-Assist ® Global Travel Medical Insurance 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 thirty (30) days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges and incurred within one hundred eighty (180) days from the date of Accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, Treatment and Surgery by a Physician.

4. Charges made for an operating room.

5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis.

6. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

7. Charges made for the cost and administration of anesthetics.

8. 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.

9. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

10. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

11. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the maximum stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

HOSPITAL INDEMNITY

If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during Your Period of Coverage, this plan will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days. Only available for travel outside the United States

DENTAL

Accident Coverage – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. You are not covered if you break a tooth while eating or biting into a foreign object. Only available to programs purchased for 1 month or more.

Sudden Relief of Pain – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment for the relief of pain to Sound Natural Teeth. Only available to programs purchased for 1 month or more.

88 USA-ASSIST Worldwide Protection
Global Travel Medical Standard
$12,500 per occurrence Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSES

USA-Assist ® Global Travel Medical Insurance 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 thirty (30) days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges and incurred within one hundred eighty (180) days from the date of Accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, Treatment and Surgery by a Physician.

4. Charges made for an operating room.

5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis.

6. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

7. Charges made for the cost and administration of anesthetics.

8. 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.

9. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

10. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

11. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the maximum stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

HOSPITAL INDEMNITY

If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during Your Period of Coverage, this plan will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days. Only available for travel outside the United States

DENTAL

Accident Coverage – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. You are not covered if you break a tooth while eating or biting into a foreign object. Only available to programs purchased for 1 month or more.

Sudden Relief of Pain – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment for the relief of pain to Sound Natural Teeth. Only available to programs purchased for 1 month or more.

89 USA-ASSIST Worldwide Protection
Global Travel Medical Titanium
$500,000 per occurrence Secondary coverage Quote

Full Policy Wording

MEDICAL EXPENSES

USA-Assist ® Global Travel Medical Insurance 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 thirty (30) days of the date of Injury or onset of Illness. Only such expenses which are specifically enumerated in the following list of charges and incurred within one hundred eighty (180) days from the date of Accident or onset of Illness and which are not excluded, shall be considered Covered Expenses:

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations.

2. Charges made for Intensive Care or Coronary Care charges and nursing services.

3. Charges made for diagnosis, Treatment and Surgery by a Physician.

4. Charges made for an operating room.

5. Charges made for Outpatient Treatment, same as any other Treatment covered on an Inpatient basis.

6. This includes ambulatory Surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and Surgical opinion consultations.

7. Charges made for the cost and administration of anesthetics.

8. 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.

9. Charges for physiotherapy, if recommended by a Physician for the Treatment of a specific Disablement and administered by a licensed physiotherapist.

10. Dressings, drugs, and Medicines that can only be obtained upon a written prescription of a Physician or Surgeon.

11. Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required Treatment. Such transportation shall be by licensed ground ambulance only to the maximum stated in the Schedule of Benefits, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.

HOSPITAL INDEMNITY

If You are confined to a Hospital as a registered Inpatient as the result of an Illness or Injury which occurs during Your Period of Coverage, this plan will pay benefits up to the maximum stated in the Schedule of Benefits per day of confinement, in addition to any other Covered Expense, up to a maximum of thirty (30) days. Only available for travel outside the United States

DENTAL

Accident Coverage – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of a covered Accident. Only those injuries caused by external contact with a foreign object are covered. You are not covered if you break a tooth while eating or biting into a foreign object. Only available to programs purchased for 1 month or more.

Sudden Relief of Pain – This plan shall pay in excess of the chosen Deductible and Coinsurance up to the maximum stated in the Schedule of Benefits, for emergency Treatment for the relief of pain to Sound Natural Teeth. Only available to programs purchased for 1 month or more.

90 USA-ASSIST Worldwide Protection
GlobalTrip Classic
$500,000 per person Secondary coverage Quote

Full Policy Wording

You are eligible for medical benefits, arising from a Medical Emergency, in excess of US$ 50 per Occurrence Deductible, up to the benefit amount shown on Your certificate for:

1. Eligible Medical Expenses incurred as a result of an accidental Injury which occurs or Sickness which first manifests itself during the Trip. You must receive initial Medical Treatment for Injury or Sickness within 15 days after the date of the accident that caused the Injury or the onset of Sickness. All treatments must be received within 26 weeks following the date of the accident or after onset of Sickness.

2. Benefits will include expenses for emergency dental treatment not to exceed US$ 750.

3. Advance payment will be made to a Hospital, subject to the applicable benefit amount, if needed to secure Your admission to a Hospital because of Sickness or Injury which first occurs during the course of the Trip. The authorized Administrator will coordinate advance payment to the Hospital.

In all cases, benefits will not be paid in excess of the Reasonable, Usual and Customary Charges.

Limitation of Benefits: Once You are deemed medically stable to return to Your country of residence (with or without a medical escort) either in the opinion of the Insurer or by virtue of discharge from hospital, Your emergency is considered to have ended, whereupon any further consultation, treatment, recurrence or complication related to the medical emergency will no longer be eligible for coverage under this policy.

91 USA-ASSIST Worldwide Protection
GlobalTrip Saver
$50,000 per person Secondary coverage Quote

Full Policy Wording

You are eligible for medical benefits, arising from a Medical Emergency, in excess of US$ 50 per Occurrence Deductible, up to the benefit amount shown on Your certificate for:

1. Eligible Medical Expenses incurred as a result of an accidental Injury which occurs or Sickness which first manifests itself during the Trip. You must receive initial Medical Treatment for Injury or Sickness within 15 days after the date of the accident that caused the Injury or the onset of Sickness. All treatments must be received within 26 weeks following the date of the accident or after onset of Sickness.

2. Benefits will include expenses for emergency dental treatment not to exceed US$ 750.

3. Advance payment will be made to a Hospital, subject to the applicable benefit amount, if needed to secure Your admission to a Hospital because of Sickness or Injury which first occurs during the course of the Trip. The authorized Administrator will coordinate advance payment to the Hospital.

In all cases, benefits will not be paid in excess of the Reasonable, Usual and Customary Charges.

Limitation of Benefits: Once You are deemed medically stable to return to Your country of residence (with or without a medical escort) either in the opinion of the Insurer or by virtue of discharge from hospital, Your emergency is considered to have ended, whereupon any further consultation, treatment, recurrence or complication related to the medical emergency will no longer be eligible for coverage under this policy.

92 USA-ASSIST Worldwide Protection
GlobalTrip Plus
$1,000,000 per person Secondary coverage Quote

Full Policy Wording

You are eligible for medical benefits, arising from a Medical Emergency, in excess of US$ 50 per Occurrence Deductible, up to the benefit amount shown on Your certificate for:

1. Eligible Medical Expenses incurred as a result of an accidental Injury which occurs or Sickness which first manifests itself during the Trip. You must receive initial Medical Treatment for Injury or Sickness within 15 days after the date of the accident that caused the Injury or the onset of Sickness. All treatments must be received within 26 weeks following the date of the accident or after onset of Sickness.

2. Benefits will include expenses for emergency dental treatment not to exceed US$ 750.

3. Advance payment will be made to a Hospital, subject to the applicable benefit amount, if needed to secure Your admission to a Hospital because of Sickness or Injury which first occurs during the course of the Trip. The authorized Administrator will coordinate advance payment to the Hospital.

In all cases, benefits will not be paid in excess of the Reasonable, Usual and Customary Charges.

Limitation of Benefits: Once You are deemed medically stable to return to Your country of residence (with or without a medical escort) either in the opinion of the Insurer or by virtue of discharge from hospital, Your emergency is considered to have ended, whereupon any further consultation, treatment, recurrence or complication related to the medical emergency will no longer be eligible for coverage under this policy.

93 USA-ASSIST Worldwide Protection
GlobalTrip High Medical
$2,000,000 per person Secondary coverage Quote

Full Policy Wording

You are eligible for medical benefits, arising from a Medical Emergency, in excess of US$ 50 per Occurrence Deductible, up to the benefit amount shown on Your certificate for:

1. Eligible Medical Expenses incurred as a result of an accidental Injury which occurs or Sickness which first manifests itself during the Trip. You must receive initial Medical Treatment for Injury or Sickness within 15 days after the date of the accident that caused the Injury or the onset of Sickness. All treatments must be received within 26 weeks following the date of the accident or after onset of Sickness.

2. Benefits will include expenses for emergency dental treatment not to exceed US$ 750.

3. Advance payment will be made to a Hospital, subject to the applicable benefit amount, if needed to secure Your admission to a Hospital because of Sickness or Injury which first occurs during the course of the Trip. The authorized Administrator will coordinate advance payment to the Hospital.

In all cases, benefits will not be paid in excess of the Reasonable, Usual and Customary Charges.

Limitation of Benefits: Once You are deemed medically stable to return to Your country of residence (with or without a medical escort) either in the opinion of the Insurer or by virtue of discharge from hospital, Your emergency is considered to have ended, whereupon any further consultation, treatment, recurrence or complication related to the medical emergency will no longer be eligible for coverage under this policy.