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.

Global Underwriters
Global Underwriters

5

Diplomat America
Global Underwriters

Home Country Coverage Benefits

No coverage

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There is no Home Country Coverage with this plan.

6

Diplomat International
Global Underwriters

Home Country Coverage Benefits

Optional coverage

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Home Country Coverage (If Benefit is Purchased) – The Home Country Coverage provides limited coverage under your Medical Expense Benefit while in your Home Country. The plan pays 80% up to $5,000 of Eligible Expenses, then 100% to a maximum of 1) $50,000 for Incidental Trip(s) to your Home Country or 2) $10,000 for Extension of Benefits (Follow Me Home Coverage).

1) Incidental Trip(s) to your Home Country: During the period of coverage, You may return to Your Home Country for incidental visits of up to 60 days per 12 months of coverage, or pro rata there of (approximately 5 days per month of purchased coverage). If during an incidental trip home, You suffer an Injury or Sickness, this Plan will pay up to $50,000 of Eligible Expenses.

2) Extension of Benefits (Follow Me Home Coverage): This plan will pay up to a maximum of $10,000 for Eligible Expenses incurred in Your Home Country related to an Injury or Sickness which originally occurred, was diagnosed and treated outside Your Home Country during Your period of coverage.

7

Diplomat LT excl US
Global Underwriters

Home Country Coverage Benefits

Optional coverage

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Home Country Coverage (If Benefit is Purchased):

The Home Country Coverage provides limited coverage under your Medical Expense Benefit while in your Home Country. The plan pays 80% up to $5,000 of Eligible Expenses, then 100% to a maximum of 1) $50,000 for Incidental Trip(s) to your Home Country or 2) $10,000 for Extension of Benefits (Follow Me Home Coverage).

1) Incidental Trip(s) to your Home Country: During the period of coverage, You may return to Your Home Country for incidental visits of up to 60 days per 12 months of coverage, or pro rata thereof (approximately 5 days per month of purchased coverage). If during an incidental trip home, You suffer an Injury or Sickness, this Plan will pay up to $50,000 of Eligible Expenses.

2) Extension of Benefits (Follow Me Home Coverage): This plan will pay up to a maximum of $10,000 for Eligible Expenses incurred in Your Home Country related to an Injury or Sickness which originally occurred, was diagnosed and treated outside Your Home Country during Your period of coverage.

8

Diplomat LT incl US
Global Underwriters

Home Country Coverage Benefits

Optional coverage

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Home Country Coverage (If Benefit is Purchased):

The Home Country Coverage provides limited coverage under your Medical Expense Benefit while in your Home Country. The plan pays 80% up to $5,000 of Eligible Expenses, then 100% to a maximum of 1) $50,000 for Incidental Trip(s) to your Home Country or 2) $10,000 for Extension of Benefits (Follow Me Home Coverage).

1) Incidental Trip(s) to your Home Country: During the period of coverage, You may return to Your Home Country for incidental visits of up to 60 days per 12 months of coverage, or pro rata thereof (approximately 5 days per month of purchased coverage). If during an incidental trip home, You suffer an Injury or Sickness, this Plan will pay up to $50,000 of Eligible Expenses.

2) Extension of Benefits (Follow Me Home Coverage): This plan will pay up to a maximum of $10,000 for Eligible Expenses incurred in Your Home Country related to an Injury or Sickness which originally occurred, was diagnosed and treated outside Your Home Country during Your period of coverage.

Seven Corners Inc
Seven Corners Inc

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 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 Deductible, Copay and Coinsurance options 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.

The limit for this coverage is the amount shown on the Schedule of Benefits under “Extension of Benefits in Home Country,” not the amount shown for “Medical Maximum Options.”

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 sixty-four (364) days of purchased coverage. The Deductible, Copay and Coinsurance options set forth in Section 3.1 apply to this coverage and will be Your responsibility. 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 the amount shown for “Medical Maximum Options.”

10

Liaison Travel Basic excl US
Seven Corners Inc

Home Country Coverage Benefits

5 days per 1 month purchased $5,000 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 sixty-four (364) days of purchased coverage. The Deductible, Copay and Coinsurance options set forth in Section 3.1 apply to this coverage and will be Your responsibility. 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 the amount shown for “Medical Maximum Options.”

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 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 Deductible, Copay and Coinsurance options 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.

The limit for this coverage is the amount shown on the Schedule of Benefits under “Extension of Benefits in Home Country,” not the amount shown for “Medical Maximum Options.”

Trawick International
Trawick International

11

Safe Travels USA
Trawick International

Home Country Coverage Benefits

Optional coverage

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RETURN TO HOME COUNTRY – if purchased

$50,000 per Policy Period Maximum days covered Up to 60 days per 12 months

RETURN TO HOME COVERAGE – If Purchased You may return to your Home Country of residence for up to 60 days during the Policy Period. The benefits available are those as outlined in the Schedule of Benefits and may ONLY be utilized after initially leaving the Home Country of residence and then returning for an Incidental Trip. The benefits are subject to any policy limitations and all of the exclusions.

12

Safe Travels USA Cost Saver
Trawick International

Home Country Coverage Benefits

Optional coverage

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RETURN TO HOME COUNTRY – if purchased

$50,000 per Policy Period Maximum days covered Up to 60 days per 12 months

RETURN TO HOME COVERAGE – If Purchased You may return to your Home Country of residence for up to 60 days during the Policy Period. The benefits available are those as outlined in the Schedule of Benefits and may ONLY be utilized after initially leaving the Home Country of residence and then returning for an Incidental Trip. The benefits are subject to any policy limitations and all of the exclusions.

13

Safe Travels USA Comprehensive
Trawick International

Home Country Coverage Benefits

Optional coverage

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RETURN TO HOME COUNTRY – if purchased

$50,000 per Policy Period. Maximum days covered Up to 60 days per 12 months.

RETURN TO HOME COVERAGE – If Purchased

You may return to your Home Country of residence for up to 60 days during the Policy Period. The benefits available are those as outlined in the Schedule of Benefits and may ONLY be utilized after initially leaving the Home Country of residence and then returning for an Incidental Trip. The benefits are subject to any policy limitations and all of the exclusions.