COVERAGE
Benefits Summary
Medical Benefits
Hospital Room & Board.
Average semi-private room rate including nursing services.
Intensive Care Unit
Up to the overall policy limit.
Local Ambulance
Usual, reasonable and customary charges for illness or injury. Illness must result in inpatient hospital admission.
Urgent Care Center Co-Payment
Inside the U.S. $15, not subject to deductible. Outside the U.S. $0.
Emergency Room Co-Payment
Inside the U.S.: $0 for injury; $200 for Illness or $0 if admitted to hospital.
Outside the U.S.: $0
Emergency Dental
Up to $300 – not subject to deductible.
Emergency Eye Exam
Up to $150, $50 deductible per occurrence. Plan deductible is waived.
All Other Eligible Medical Expenses
Up to the overall Maximum Limit
Outpatient Physical Therapy & Chiropractic
Up to $50 per day. Must be ordered by a physician.
Hospital Indemnity
$100 per day of inpatient hospitalization – not subject to deductible.
Trip Benefits
Accidental Death & Dismemberment
Up to $250,000 per family and $25,000 per person.
Common Carrier Accidental Death
Coverage varies by age as set forth in the policy’s Schedule of Benefits.
Trip Interruption
Up to $10,000 – not subject to deductible.
Travel Delay
Up to $100 a day after a 12-hour delay requiring an unplanned overnight stay. Subject to a maximum of 2 days. Not subject to deductible.
Lost Checked Luggage
Up to $1,000 – not subject to deductible.
Border Entry Protection
Up to $500 if traveling on a valid B2 Visa and denied entry at U.S. border – Not subject to deductible.
Return of Minor Child
Up to $50,000 to return minor children to your home if you are hospitalized and unable to care for them.
Personal Liability
Up to $25,000 lifetime maximum and up to $75,000 with additional rider for a total of $100,000. Not subject to deductible or overall maximum limit.
Return of Pet
Up to $1,500, not subject to deductible, if you are hospitalized and no other traveling adult is able to care for the pet.
Special Risks Benefits
Emergency Medical Evacuation
Air/Ground Ambulance if you need to be transported to your home or another hospital for appropriate medical treatment.
Natural Disaster Replacement Accommodation
Up to $250 per day for 5 days (not subject to deductible).
Political Evacuation
Up to $100,000 lifetime maximum if the U.S. State Department issues a level 3 or higher travel advisory after your arrival.
Covid and Pandemics
We cover you for Covid like we cover any other illness.
Emergency Reunion
Up to $100,000 for round-trip air/ground transportation, meals and lodging for up to 15 days for a relative to be with you if you are hospitalized.
Terrorism
Up to $50,000 lifetime maximum for treatment of injuries and illnesses resulting from an Act of Terrorism.
Kidnap and Ransom
$10,000-100,000 for Crisis response, Ransom and property if you are victim of a kidnapping or express kidnapping.
Local Burial or Cremation
Up to $5,000. Not subject to deductible.
Repatriation of Remains
Up to the overall Maximum Limit. Not subject to deductible or coinsurance.