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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Full Policy Wording

There is no Home Country Coverage with this plan.

IMG
IMG

5

Patriot America
IMG

Home Country Coverage Benefits

14 days

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INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to his/her Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in his/her Country of Residence provided that:

(1) The Insured Person has departed his/her Country of Residence prior to any Incidental Trip

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

(3) The Country of Residence is not the United States

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

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

6

Patriot International
IMG

Home Country Coverage Benefits

14 days

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INCIDENTAL TRIP: As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to his/her Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first
arrives back in his/her Country of Residence provided that:

(1) The Insured Person has departed his/her Country of Residence prior to any Incidental Trip

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

(3) The Country of Residence is not the United States

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

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

7

Patriot America Plus
IMG

Home Country Coverage Benefits

14 days

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INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to his/her Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in his/her Country of Residence provided that:

(1) The Insured Person has departed his/her Country of Residence prior to any Incidental Trip

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

(3) The Country of Residence is not the United States

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

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

Seven Corners Inc
Seven Corners Inc

8

Liaison Travel Economy excl US
Seven Corners Inc

Home Country Coverage Benefits

5 days per 1 month purchased $5,000 per person

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Incidental Trips to Home Country.

If the Period of Coverage is greater than thirty (30) days, the Company will reimburse You for Covered Expenses up to the amount set forth in the Schedule of Benefits for a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. You must first depart Your Home Country before utilizing this benefit, and it does not apply to the final trip to Your Home Country. You may be required to provide proof of your travel intentions. Additionally, this coverage will not apply (i) if the Illness began or Injury occurred while You were outside Your Home Country or (ii) for Pre‐Existing Conditions. Under this Section 3.9, You will receive five (5) days of coverage per month of coverage purchased up to a maximum of sixty (60) days per three hundred and sixty‐four (364) days of purchased coverage. This coverage will apply separately for each three hundred sixty‐four (364) day period, which means that any unused days of coverage from the prior three hundred sixty‐four (364) day period(s) will not carry over to the any subsequent three‐hundred sixty‐four (364) day period, but, instead, you will start earning days of coverage over again. The exclusions set forth in Section 8 apply to the coverage
provided by the Certificate under this Section 3.9.

The limit for this coverage is that amount shown on the Schedule of Benefits under “Incidental Trips to Home Country,” not that amount shown for “Medical Maximum Options.” The Deductibles and the Coinsurance option set forth in Section 3.1 apply to this coverage and will be Your responsibility.

Extension of Benefits in Home Country.

The Company will reimburse You for Covered Expenses incurred in Your Home Country, including those incurred in Your Home Country following an Emergency Medical Evacuation or an Emergency Medical Repatriation, up to the amount set forth in the Schedule of Benefits for one hundred and eighty days (180) from the onset of a new, covered Injury or Illness that begins while You are traveling and is first diagnosed and treated outside Your Home Country. The Deductibles and the selected Coinsurance option set forth in Section 3.1 apply to this coverage and will be Your responsibility. This coverage does not apply for Pre‐Existing Conditions. The exclusions set forth in Section 8 apply to the
coverage provided by the Certificate under this Section 3.8.

9

Liaison Travel Choice excl US
Seven Corners Inc

Home Country Coverage Benefits

5 days per 1 month purchased $10,000 per person

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Extension of Benefits in Home Country.

The Company will reimburse You for Covered Expenses incurred in Your Home Country, including those incurred in Your Home Country following an Emergency Medical Evacuation or an Emergency Medical Repatriation, up to the amount set forth in the Schedule of Benefits for one hundred and eighty days (180) from the onset of a new, covered Injury or Illness that begins while You are traveling and is first diagnosed and treated outside Your Home Country. The Deductibles and the selected Coinsurance option set forth in Section 3.1 apply to this coverage and will be Your responsibility.

This coverage does not apply for Pre-Existing Conditions. The exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 3.8.

Incidental Trips to Home Country.

If the Period of Coverage is greater than thirty (30) days, the Company will reimburse You for Covered Expenses up to the amount set forth in the Schedule of Benefits for a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. You must first depart Your Home Country before utilizing this benefit, and it does not apply to the final trip to Your Home Country. You may be required to provide proof of your travel intentions. Additionally, this coverage will not apply (i) if the Illness began or Injury occurred while You were outside Your Home Country or (ii) for Pre-Existing Conditions. Under this Section 3.9, You will receive five (5) days of coverage per month of coverage purchased up to a maximum of sixty (60) days per three hundred and sixty-four (364) days of purchased coverage. This coverage will apply separately for each three hundred sixty-four (364) day period, which means that any unused days of coverage from the prior three hundred sixty-four (364) day period(s) will not carry over to the any subsequent three-hundred sixty-four (364) day period, but, instead, you will start earning days of coverage over again. The exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 3.9.

The limit for this coverage is that amount shown on the Schedule of Benefits under “Incidental Trips to Home Country,” not that amount shown for “Medical Maximum Options.” The Deductibles and the Coinsurance option set forth in Section 3.1 apply to this coverage and will be Your responsibility.

10

Liaison Travel Elite excl US
Seven Corners Inc

Home Country Coverage Benefits

5 days per 1 month purchased $50,000 per person

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3.9 Incidental Trips to Home Country.

If the Period of Coverage is greater than thirty (30) days, the Company will reimburse You for Covered Expenses up to the amount set forth in the Schedule of Benefits for a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. You must first depart Your Home Country before utilizing this benefit, and it does not apply to the final trip to Your Home Country. You may be required to provide proof of your travel intentions. Additionally, this coverage will not apply (i) if the Illness began or Injury occurred while You were outside Your Home Country or (ii) for Pre-Existing Conditions. Under this Section 3.9, You will receive five (5) days of coverage per month of coverage purchased up to a maximum of sixty (60) days per three hundred and sixty-four (364) days of purchased coverage. This coverage will apply separately for each three hundred sixty-four (364) day period, which means that any unused days of coverage from the prior three hundred sixty-four (364) day period(s) will not carry over to the any subsequent three-hundred sixty-four (364) day period, but, instead, you will start earning days of coverage over again. The exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 3.9.

The limit for this coverage is that amount shown on the Schedule of Benefits under “Incidental Trips to Home Country,” not that amount shown for “Medical Maximum Options.” The Deductibles and the Coinsurance option set forth in Section 3.1 apply to this coverage and will be Your responsibility.

3.8 Extension of Benefits in Home Country. The Company will reimburse You for Covered Expenses incurred in Your Home Country, including those incurred in Your Home Country following an Emergency Medical Evacuation or an Emergency Medical Repatriation, up to the amount set forth in the Schedule of Benefits for one hundred and eighty days (180) from the onset of a new, covered Injury or Illness that begins while You are traveling and is first diagnosed and treated outside Your Home Country. The Deductibles and the selected Coinsurance option set forth in Section 3.1 apply to this coverage and will be Your responsibility. This coverage does not apply for Pre-Existing Conditions. The exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 3.8.

Trawick International
Trawick International

11

Safe Travels USA
Trawick International

Home Country Coverage Benefits

Optional coverage

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Home Country/Follow Me Home Coverage

In consideration of additional premium paid, the following modifications have been made to your policy: Under the Exclusions section the following is deleted in its entirety:

35. expenses incurred in your Home Country;

And replaced with the following Exclusion:

35. expenses incurred in your Home Country except as provided under the Medical Expense Benefits;

The following is added under the Medical Expense Benefits section:

Home Country Coverage – This benefit covers you for Injury or Sickness that occur during an Incidental Trip to your Home Country during your Policy Period. 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.

USA-Assist Worldwide Protection
USA-Assist Worldwide Protection

12

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.

13

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.

14

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.

15

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.

16

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.

17

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.