TravelGap Voyager Benefits
| Medical Benefits | |
|---|---|
| Maximum Benefit per Insured Person per policy period | Options include $50,000; $100,000; $500,000; $1,000,000 |
| Deductible per Insured Person per policy period | Options include $0; $100; $250; $500 |
| After the Deductible is satisfied, benefits are paid for Covered Expenses as follows up to the Medical Limit: | |
| Benefits | Insurer Pays After Medical Benefit Deductible is Paid: |
| a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab | 100% |
| b. Office Visits: including X-rays and lab work billed by the attending physician. | 100% |
| a. Surgery, X-rays, In-hospital doctor visits | 100% |
| b. In-patient medical emergency | 100% |
| Ambulatory Surgical Center | 100% |
| Ambulance Service (non Medical Evacuation) | 100% up to $1000 |
| Benefits for claims resulting from downhill (alpine) skiing and scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor) | Maximum Benefit up to $10,000 |
| Outside the U.S. Outpatient prescription drugs | 50% of Covered Expenses |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $200 maximum per Trip Period and $200 per tooth |
| Dental Care for Relief of Pain | 100% of Covered Expenses up to $100 maximum per Trip Period and $100 per tooth |
| Other Benefits | Insurer Pays Without a Deductible Being Applicable |
| Accidental Death and Dismemberment | Maximum Benefit Principal Sum up to $25,000 |
| Repatriation Of Remains | Maximum Benefit up to $25,000 |
| Medical Evacuation | Maximum Benefit per Trip Period for all Evacuations up to $500,000 |
| Bedside Visit | Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person |
Services provided in addition to the benefits above
All participants covered by this insurance plan are enrolled in the Global Citizens Associations whose members are entitled (subject to submission of the proper documentation) to a total of a $500 allowance, and limited to $100 per incident, to cover costs associated with each of the following incidents:
- Re-issuing a lost passport
- Re-issuing a lost airline ticket
- Replacing a lost piece of luggage that has not been returned (limited to $100 per piece of luggage) while on your covered trip. This does not include luggage that was temporarily delayed or lost and later recovered.
All participants are eligible for an additional allowance up to $500 if, post departure, your trip is shortened or interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety. In that event, a participant will be reimbursed for the cost of changing an airline ticket or ground transportation ticket of the same class as the unused travel ticket to return home in an amount up to $500 (subject to submission of the proper documentation such as a medical report).
*Threat must be documented by U.S. State Department travel warning that is issued during your trip
- Access to contracted doctors in more than 180 countries
- Access to worldwide security information in more than 166 countries and 245 cities
- Online doctor search with more than 4,200 contracted physicians
- Access to Drug Translation Guide
- Health and security news alerts
- View More Details
Available to U.S. residents, age 74 or younger, who live in approved states. See Eligibility Requirements.
This plan includes a 180 day Pre-existing Condition exclusion - see the Plan Description.
This is a non renewable plan. Subsequent periods of insurance can be purchased, in which case new Deductible, Eligibility and Pre-existing Condition Exclusions would apply.
For more information about the benefits, including information about exclusions, limitations and State to State variation in benefits, see the Plan Description.
PLEASE NOTE: you can only purchase the policy prior to departing on your trip. Exceptions to this rule: if you have purchased a policy prior to departure and would like to extend the current plan (allowable up to 180 days). After 180 days of coverage, members are permitted to enroll one time in a subsequent policy. N.B. If you enroll in a subsequent policy, a new deductible, medical limit and pre-existing condition wait period will apply. After 360 days, members are not eligible to buy another plan for the same trip.
Ten Day Money Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our TravelGap Voyager Product, simply return your Certificate of Insurance and your ID Card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left for your trip before the date of your letter, you will receive a full refund.