$100,000 per person
Emergency Medical can reimburse the costs to treat a medical emergency during a trip.
TRAVEL MEDICAL EXPENSE
We will pay a benefit to reimburse you for the reasonable and customary charges, up to the maximum limit shown in the schedule of benefits (and after satisfaction of the deductible) if you suffer an injury or sickness during the covered trip that requires treatment by a physician. The injury must occur or the sickness must first begin while on a covered trip. The initial documented treatment must be given by a physician during the covered trip.
Travel Medical Covered Expenses:
We will pay a benefit to reimburse you the medically necessary expenses incurred for:
a. Services of a physician or registered nurse (R.N.), and related tests or treatment;
b. Hospital charges or ambulatory medical-surgical center services (this may also include expenses for a cruise ship cabin or hotel room, not already included in the cost of your covered trip, if recommended as a substitute for a hospital room for recovery from an injury or sickness;
c. Prescription medication to treat the injury or sickness;
d. Charges for anesthesia (including administration), x-ray examinations or treatments, and laboratory tests;
e. Local ambulance services to and from a hospital;
f. Hospital room and board subject to the daily limit shown in the schedule of benefits;
g. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices; and
h. The cost of emergency dental treatment for accidental injury to sound natural teeth that occurs during a covered trip limited to the Maximum Limit shown in the schedule of benefits.
Coverage for emergency dental treatment does not apply if treatment or expenses are incurred after you have reached your return destination, regardless of the reason. The treatment must be given by a physician or dentist.
We will pay a benefit to reimburse you for these expenses for all treatment related to the initial injury or sickness for thirty (30) days from the date of the first treatment during the covered trip, or until the return date, whichever is later. Otherwise, we will not pay for any expenses incurred after the Coverage Termination Date as shown in the Effective and Termination Dates section of this policy, regardless of the reason.
We will not pay benefits in excess of the reasonable and customary charges. We will not cover any expenses incurred by another party at no cost to you or already included within the cost of the covered trip.
Adventure Sports Coverage: Benefits will be paid up to the limit shown in the schedule of benefits, if you suffer an injury while participating adventure activities.
Advance Payment: If you require admission to a hospital during a covered trip for an injury or sickness, we or our designated representative will arrange advance payment, if required by the hospital, directly to the hospital. Hospital confinement must be certified as medically necessary by the onsite attending physician.
This amount will be deducted from the Travel Medical Expense benefit limit shown in the schedule of benefits. You agree to reimburse this payment to us if:
a. You do not complete the claims process as outlined in the Payment of Claims section; or
b. It is determined that your Travel Medical Expense claim is not covered.
We will provide advance payment when required and requested by you. However:
a. We reserve the right to deny a request for advance payment if we confirm that your claim is not covered under the Policy; and
b. An advance payment made by us is not a guarantee of claim approval.
Benefits for Advance Payment will not duplicate any other benefits payable under the policy.
Travel Medical Expense Exclusions:
In addition to the General Limitations and Exclusions, the following exclusions apply to the Travel Medical Expense Benefit. No benefits will be paid for any loss for, caused by, or resulting from:
a. Any service provided by you, a family member, or your traveling companion;
b. Alcohol or substance abuse or treatment for the same;
c. Experimental or investigative treatment or procedures;
d. Expenses incurred by any child born during the covered trip;
e. Care or treatment which is not medically necessary, except for related reconstructive surgery resulting from trauma, infection or disease;
f. Mental health care; or
g. Physical therapy or occupational therapy.