The table below shows you at a glance which company provides the most comprehensive coverage for the Home Country Coverage 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.

View full coverage summary for Home Country Coverage for the policies below

Air Ambulance Card
Air Ambulance Card

1

Air Ambulance Card - Standard Annual
Air Ambulance Card

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

2

Air Ambulance Card - Extended Stay 6 Months
Air Ambulance Card

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

3

Air Ambulance Card - Extended Stay 12 Months
Air Ambulance Card

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

APRIL Travel Protection
APRIL Travel Protection

4

Economy Plan
APRIL Travel Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

5

VIP Plan
APRIL Travel Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

6

Trip Cancellation Plan
APRIL Travel Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

7

Multi-Trip Plan Universal
APRIL Travel Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

8

Multi-Trip Plan Elite
APRIL Travel Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

9

Choice
APRIL Travel Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

AXA Assistance USA
AXA Assistance USA

10

Silver
AXA Assistance USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

11

Gold
AXA Assistance USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

12

Platinum
AXA Assistance USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Azimuth Risk Solutions, LLC
Azimuth Risk Solutions, LLC

13

Beacon America incl US
Azimuth Risk Solutions, LLC

Home Country Coverage Benefits
14 days per 3 months

Quote

Full Policy Wording

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.

14

Beacon International excl US
Azimuth Risk Solutions, LLC

Home Country Coverage Benefits
14 days per 3 months

Quote

Full Policy Wording

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.

CSA Travel Protection
CSA Travel Protection

15

Custom
CSA Travel Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

GeoBlue
GeoBlue

16

Voyager Choice
GeoBlue

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

17

Voyager Essential
GeoBlue

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

18

Trekker Choice excl US
GeoBlue

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

19

Trekker Essential excl US
GeoBlue

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Global Alert
Global Alert

20

Essentials
Global Alert

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

21

Preferred
Global Alert

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

22

Preferred Plus
Global Alert

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

HCC Medical Insurance Services
HCC Medical Insurance Services

23

Atlas International excl US
HCC Medical Insurance Services

Home Country Coverage Benefits
15 days per 3 months

Quote

Full Policy Wording

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.

HTH Travel Insurance
HTH Travel Insurance

24

TravelGap Voyager excl US
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

25

TripProtector Preferred
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

26

TravelGap Multi-Trip Silver excl US
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

27

TravelGap Multi-Trip Gold excl US
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

28

TravelGap Excursion excl US
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

29

TripProtector Economy
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

30

TripProtector Classic
HTH Travel Insurance

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

InsureandGo USA
InsureandGo USA

31

Silver
InsureandGo USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

32

Gold
InsureandGo USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

33

Platinum
InsureandGo USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

34

Global Silver excl US
InsureandGo USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

35

Global Gold excl US
InsureandGo USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

36

Global Platinum excl US
InsureandGo USA

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

iTravelInsured
iTravelInsured

37

Travel Lite
iTravelInsured

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

38

Travel SE
iTravelInsured

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

39

Travel SE
iTravelInsured

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

40

Travel LX
iTravelInsured

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

41

Travel LX
iTravelInsured

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.

42

Bronze
John Hancock Insurance Agency, Inc.

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

43

Silver
John Hancock Insurance Agency, Inc.

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

44

Gold
John Hancock Insurance Agency, Inc.

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

MedjetAssist
MedjetAssist

45

Annual Membership
MedjetAssist

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

46

MedjetAssist Extended Stay
MedjetAssist

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

47

MedjetAssist Short Term Plan
MedjetAssist

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

MH Ross Travel Insurance Services
MH Ross Travel Insurance Services

48

Asset Plus
MH Ross Travel Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

49

Bridge
MH Ross Travel Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

50

Complete
MH Ross Travel Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

51

Asset
MH Ross Travel Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Protect Your Bubble
Protect Your Bubble

52

Basic Plan
Protect Your Bubble

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

53

Deluxe Plan
Protect Your Bubble

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

RoamRight
RoamRight

54

Essential
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

55

Essential
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

56

Preferred
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

57

Preferred
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

58

Elite
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

59

Elite
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

60

Active
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

61

Active
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

62

Adventure
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

63

Adventure
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

64

Multi-Trip
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

65

Multi-Trip Medical excl US
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

66

Medical excl US
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

s 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.

67

Evacuation
RoamRight

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Seven Corners Inc
Seven Corners Inc

68

RoundTrip
Seven Corners Inc

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

69

RoundTrip Choice
Seven Corners Inc

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

70

Liaison International excl US
Seven Corners Inc

Home Country Coverage Benefits
5 days per 1 month purchased $50,000 per person

Quote

Full Policy Wording

HOME COUNTRY COVERAGE ( Incidental Trips to the Home Country ):

The Policy covers Eligible Benefits related to a new covered Injury or Illness that begins while the Plan Participant is on an incidental trip to the Home Country. For this benefit, a Plan Participant receives a maximum of seven (7) days per forty-five (45) days of purchased coverage or pro rata thereof – example: approximately one (1) day per six (6) days of purchased coverage. This benefit is not available for purchases of less than thirty (30) days. The Plan Participant must first depart the Home Country in order to utilize this benefit, and it does not apply to the final trip home. In the event of a claim, a Plan Participant may be required to provide proof of travel intentions. Earned Home Country Coverage days for the current Policy Period do not extend or carry over after the Expiration Date. For this benefit, the medical maximum is as stated in the Schedule of Benefits, minus the Deductible and Coinsurance. The incidental trip to the 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.

71

RoundTrip Economy
Seven Corners Inc

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

72

RoundTrip Elite
Seven Corners Inc

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

73

Wander Frequent Traveler excl US
Seven Corners Inc

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Tin Leg
Tin Leg

74

Economy
Tin Leg

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

75

Standard
Tin Leg

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

76

Luxury
Tin Leg

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Travel Insured International
Travel Insured International

77

Worldwide Trip Protector Lite
Travel Insured International

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

78

Worldwide Trip Protector Lite
Travel Insured International

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

79

Worldwide Trip Protector Plus
Travel Insured International

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

80

Worldwide Trip Protector Plus
Travel Insured International

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

81

Worldwide Trip Protector
Travel Insured International

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

82

Worldwide Trip Protector
Travel Insured International

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Travelex Insurance Services
Travelex Insurance Services

83

Flight Insure Multi-trip - AD&D Only
Travelex Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

84

Flight Insure Package Plan Multi-trip
Travelex Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

85

Flight Insure Plus - Flight AD&D Only
Travelex Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

86

Flight Insure Plus - Package Plan
Travelex Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

87

Travel Basic
Travelex Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

88

Travel Max
Travelex Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

89

Travel Select
Travelex Insurance Services

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

TravelSafe
TravelSafe

90

Basic
TravelSafe

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

91

Basic
TravelSafe

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

92

Classic
TravelSafe

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

93

Classic
TravelSafe

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

94

Classic Plus
TravelSafe

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

95

Classic Plus
TravelSafe

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

Trawick International
Trawick International

96

Safe Travels USA
Trawick International

Home Country Coverage Benefits
Optional coverage

Quote

Full Policy Wording

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: 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 Period of Coverage. 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% of Covered Expenses up 100% of the first $50,000 of Covered Expenses

Follow Me Home Coverage Benefit Maximum: $5,000

Deductible: The chosen deductible

Coinsurance: 80% of the first $5,000 then 100% of Covered Expenses up 100% of the first $50,000 of Covered Expenses

97

Safe Travels International excl US
Trawick International

Home Country Coverage Benefits
Optional coverage

Quote

Full Policy Wording

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: 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 Period of Coverage. 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: 100% of the first $50,000 of Covered Expenses

Follow Me Home Coverage Benefit Maximum: $5,000

Deductible: The chosen deductible

Coinsurance: 100% of the first $5,000 of Covered Expenses

98

Safe Travels USA Trip Protection
Trawick International

Home Country Coverage Benefits
Optional coverage

Quote

Full Policy Wording

Home Country/Follow Me Home Coverage-

Home Country Coverage – 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 80% of the first $5,000 then 100% of Covered Expenses up to the $ 50,000 maximum.

Follow Me Home Coverage – 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 80% of the first $5,000 then 100% of Covered Expenses 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 and return to 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 – 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 80% of the first $5,000 then 100% of Covered Expenses up to the $ 50,000 maximum.

Follow Me Home Coverage – 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 80% of the first $5,000 then 100% of Covered Expenses up to the $ 5,000 maximum. This Benefit does not apply when an Emergency Evacuation has occurred.

99

Safe Travels International Cost Saver excl US
Trawick International

Home Country Coverage Benefits
Optional coverage

Quote

Full Policy Wording

Home Country/Follow Me Home Coverage-

Home Country Coverage – This benefit covers you for Injury or Sickness that occurs 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: 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 Period of Coverage. 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 – for Injury or Sickness that occurs 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: 100% up to the $50,000 maximum.
Follow Me Home Coverage – 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: 100% up to the $5,000 maximum.

100

Safe Travels USA Cost Saver
Trawick International

Home Country Coverage Benefits
Optional coverage

Quote

Full Policy Wording

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

101

Global Travel Medical Diamond
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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Full Policy Wording

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.

102

Global Travel Medical Executive
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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Full Policy Wording

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.

103

Global Travel Medical Gold
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

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Full Policy Wording

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.

104

Global Travel Medical Platinum
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

Quote

Full Policy Wording

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.

105

Global Travel Medical Standard
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

Quote

Full Policy Wording

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.

106

Global Travel Medical Titanium
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
5 days per 1 month

Quote

Full Policy Wording

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.

107

GlobalTrip Classic
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
No coverage

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Full Policy Wording

There is no Home Country Coverage with this plan.

108

GlobalTrip Saver
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
No coverage

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Full Policy Wording

There is no Home Country Coverage with this plan.

109

GlobalTrip Plus
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.

110

GlobalTrip High Medical
USA-ASSIST Worldwide Protection

Home Country Coverage Benefits
No coverage

Quote

Full Policy Wording

There is no Home Country Coverage with this plan.