Benefit Schedule

Traveling abroad and do not have US primary health insurance? View an alternate option.

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:
Professional Services:
a. Surgery, anesthesia, 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%
Inpatient Hospital Services:
a. Surgery, X-rays, In-hospital doctor visits 100%
b. In-patient medical emergency 100%
Ambulatory Surgical Center 100%
Outside the U.S. Outpatient prescription drugs 100% of Covered Expenses
Dental Care required due to an Injury 100% of Covered Expenses up to $500 maximum per Trip Period
Other Benefits Insurer Pays Without a Deductible Being Applicable
Accidental Death and Dismemberment Maximum Benefit Principal Sum up to $50,000
Repatriation of Remains Maximum Benefit up to $25,000
Medical Evacuation Maximum Benefit per Trip Period for all Evacuations up to $500,000
Transportation to Join the Insured Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip airfare ticket to the place of the Hospital Confinement for one (1) person
Trip Interruption Maximum Benefit of $1,000 per Trip Period
Trip Delay Maximum Benefit of $500 per Trip Period
Maximum Benefit of $50 per day, up to 10 days
Baggage/Personal Effects

Reimbursement for loss, theft or damage to personal effects during a covered trip
Maximum Benefit up to $500 ($100 limit per article)

Mental health is covered up to the policy maximum as any other condition.

Global Health and Safety Services

  • Access to our global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 190 countries
  • Detailed provider profiles
  • Appointment scheduling
  • Direct Pay to providers
  • Health and security news alerts

24 Hour/ 7 Day Global Medical Assistance


Available to U.S. residents, age 95 or younger. See Eligibility Requirements. Participant must be enrolled in a primary health plan to enroll. There is no pre-existing condition exclusion.

This is a non-renewable plan. Subsequent periods of insurance can be purchased, in which case a new Deductible and Medical Limit would apply.

PLEASE NOTE: This plan is for coverage outside of the U.S. only. You may only purchase this policy prior to departing on your 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 product, simply return your Certificate or Policy of Insurance and Description of Emergency Medical Evacuation and Other Services within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left on your trip or incurred a claim, you will receive a full refund. (Guarantee not available in WA)