Home Country Coverage Full Policy Wording

Each policy’s Home Country Coverage coverage is detailed below. View the coverage summary here.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

1

Beacon America incl US
Azimuth Risk Solutions, LLC

Home Country Coverage Benefits
14 days per 3 months

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22.6 QUICK TRIP HOME COUNTRY COVERAGE — For each ninety (90) days during which a US citizen is covered hereunder, the US citizen is covered for Medical Expenses only during quick trips totaling no more than fourteen (14) days duration per ninety (90) day period of coverage. Quick visit time must be used within the ninety (90) days period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining Treatment of an Illness or Injury that began while traveling. Subject to a minimum ninety (90) days plan purchase.

2

Beacon International excl US
Azimuth Risk Solutions, LLC

Home Country Coverage Benefits
14 days per 3 months

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22.6 QUICK TRIP HOME COUNTRY COVERAGE — For each ninety (90) days during which a US citizen is covered hereunder, the US citizen is covered for Medical Expenses only during quick trips totaling no more than fourteen (14) days duration per ninety (90) day period of coverage. Quick visit time must be used within the ninety (90) days period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining Treatment of an Illness or Injury that began while traveling. Subject to a minimum ninety (90) days plan purchase.

GeoBlue
GeoBlue

3

Voyager Choice
GeoBlue

Home Country Coverage Benefits
No coverage

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There is no Home Country Coverage with this plan.

4

Voyager Essential
GeoBlue

Home Country Coverage Benefits
No coverage

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There is no Home Country Coverage with this plan.

HCC Medical Insurance Services
HCC Medical Insurance Services

5

Atlas International excl US
HCC Medical Insurance Services

Home Country Coverage Benefits
15 days per 3 months

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HOME COUNTRY COVERAGE

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Underwriters will pay Eligible Medical Expenses, as defined herein, which are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses related to the Injury or Illness that began while the Certificate was in effect.

Incidental Home Country Coverage – For Citizens and legal residents of the U.S, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the U.S. are covered up to a maximum of 15 days for any three month period.. For Non-U.S. residents or Non-U.S Citizens, for every three month period during which the Member is covered hereunder, Medical Expenses incurred in the member’s home country are covered up to a maximum of 30 days for any three month period. Any benefit accrued under a single 3 month period does not accumulate to another period. Failure of the member to continue his or her international trip or the members return to their home country for the sole purpose of obtaining treatment for an illness or injury that began while traveling shall void any home country coverage provided under the terms of this agreement.

IMG
IMG

6

Patriot America
IMG

Home Country Coverage Benefits
14 days

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V. INCIDENTAL TRIP COVERAGE – As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance during incidental return trips to his/her Home Country (“Incidental Trips”) up to the number of days shown in the Schedule of Benefits/Limits beginning with the date the Insured Person first arrives back in his/her Home Country, provided that:

(1) The Insured Person has departed his/her Home Country prior to any Incidental Trip; and

(2) The Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage; and

(3) The intention or purpose of the Insured Person’s return trip to the Home Country is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country; and

(4) The Insured Person’s return trip to the Home Country does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country.

7

Patriot International
IMG

Home Country Coverage Benefits
14 days

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W. INCIDENTAL TRIP COVERAGE – As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance during incidental return trips to his/her Home Country (“Incidental Trips”) up to the number of days shown in the Schedule of Benefits/Limits beginning with the date the Insured Person first arrives back in his/her Home Country, provided that:

(1) The Insured Person has departed his/her Home Country prior to any Incidental Trip; and

(2) The Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage; and

(3) The intention or purpose of the Insured Person’s return trip to the Home Country is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country; and

(4) The Insured Person’s return trip to the Home Country does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country.

8

Patriot America Plus
IMG

Home Country Coverage Benefits
14 days

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V. INCIDENTAL TRIP COVERAGE – As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance during incidental return trips to his/her Home Country (“Incidental Trips”) up to the number of days shown in the Schedule of Benefits/Limits beginning with the date the Insured Person first arrives back in his/her Home Country, provided that:

(1) The Insured Person has departed his/her Home Country prior to any Incidental Trip; and

(2) The Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage; and

(3) The intention or purpose of the Insured Person’s return trip to the Home Country is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country; and

(4) The Insured Person’s return trip to the Home Country does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of his/her Home Country.

Trawick International
Trawick International

9

Safe Travels USA
Trawick International

Home Country Coverage Benefits
Optional coverage

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Home Country/Follow Me Home Coverage

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your. Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 100% up to the $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Policy Period. The chosen deductible applies and Coinsurance: 100% up to the $5,000 maximum.

This Benefit does not apply when an Emergency Evacuation has occurred.

This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof.
(Example: 5 days per month of purchased coverage). You must purchase 30 days of coverage to add this benefit. Home Country Coverage cannot begin until you leave your Home Country.

In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety –

35. expenses incurred in your Home Country;

and the following is added under the Medical Expense Benefits:

Home Country Coverage Benefit Maximum: $50,000
Deductible: The chosen deductible
Coinsurance: 80% of the first $5,000 then 100% up to the $50,000 maximum
Follow Me Home Coverage Benefit Maximum: $5,000
Deductible: The chosen deductible
Coinsurance: 80% of the first $5,000 then 100% up to the $5,000 maximum

10

Safe Travels USA Cost Saver
Trawick International

Home Country Coverage Benefits
Optional coverage

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Home Country/Follow Me Home Coverage-

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $ 50,000. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred. This benefit is limited to 60 days per 12 months of purchased coverage or pro rata thereof. (Example: 5 days per month of purchased coverage). Home Country Coverage cannot begin until you leave your Home Country.

In consideration of additional premium paid, under the Exclusions section the following is deleted in its entirety – 35. expenses incurred in your Home Country;

and the following is added under the Medical Expense Benefits:

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Period of Coverage. Maximum benefit is reduced to $50,000. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $50,000 maximum.

Follow Me Home Coverage – This plan shall pay for Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside Your Home Country and treated during your Period of Coverage. The chosen deductible applies and Coinsurance: 80% of the first $5,000 then 100% to $5,000 maximum.

USA-ASSIST Worldwide Protection
USA-ASSIST Worldwide Protection

11

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

12

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

13

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

14

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

15

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.

16

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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HOME COUNTRY COVERAGE

Incidental Trips to the Home Country – This plan covers You for Eligible Benefits related to a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. For this benefit, You receive a maximum of thirty (30) days per one hundred and eighty (180) days of purchased coverage or pro rata thereof – example: approximately five (5) days per month of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. You must first depart Your Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, You may be required to provide proof of Your travel intention s. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after Your Expiration Date. For this benefit, the Medical Maximum is as stated in the Schedule of Benefits, minus Your Deductible and Coinsurance. The incidental trip to Your Home Country must not be for the purpose of obtaining Treatment of an Illness or Injury that began while traveling abroad. This benefit does not provide coverage for Pre-existing Conditions because the Exclusions for Medical Benefits apply.