$100,000 per person
Secondary coverage
Emergency Medical can reimburse the costs to treat a medical emergency during a trip.
Emergency Accident and Sickness Medical Expense
Please note: this coverage is in excess of any other coverage available to You. Please see Excess Insurance under the GENERAL PROVISIONS section for details.
Benefits will be paid for Your covered reasonable and necessary Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following:
1. covered Medical Expenses will only be payable at the Usual and Customary level of charges;
2. benefits will be payable only for covered Medical Expenses resulting from a Sickness or an Injury that occurs while on Your Trip; and
3. Medical Expenses to be considered are only those incurred by You during Your Trip. Medical Expenses incurred after You return from Your Trip are not covered.
We will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.
Excess Insurance: Insurance provided by this Policy shall be in excess of all Other Insurance. If, at the time of the occurrence of any other loss, there is Other Insurance in place, We shall be liable only for the excess of any amount paid or payable under Other Insurance. Recover of losses from other parties does not result in a refund of premium paid.
Upgrade – Primary Coverage: Emergency Accident and Sickness Medical Expense
If you purchase this optional upgrade, the following changes apply:
Under the heading “GENERAL PROVISIONS”, “Emergency Accident and Sickness Medical Expense” is removed from the “Excess Insurance” provision, and added to the “Primary Insurance” provision:
Primary Insurance: Benefits provided under Emergency Accident and Sickness Medical Expense coverage shall be considered primary. This is subject to recovery, as We may pay a claim first and then seek recovery from any responsible third party.
Excess Insurance: Insurance provided by this Policy shall be in excess of all Other Insurance (except for Emergency Accident and Sickness Medical Expense). If, at the time of the occurrence of any other loss, there is Other Insurance in place, We shall be liable only for the excess of any amount paid or payable under Other Insurance. Recover of losses from other parties does not result in a refund of premium paid.