Benefit Schedule

Traveling abroad and do not have US primary health insurance? View Economy 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, 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%
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 and $250 per tooth
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
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

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

Services provided in addition to the benefits above

Travel Reimbursement Services*

All participants covered by this insurance plan are entitled to a total of a $500 allowance, and limited to $100 per incident, to cover costs associated with:

  • Loss, theft or damage to baggage and personal effects, provided you have taken all reasonable measured to protect, save and/or recover your property at all times. ($100 per article; $500 maximum).

All participants are eligible for an additional allowance up to $500 if Your Trip is interrupted due to one of the following events that take place after the Effective Date and while on Your Trip. This does not include flight connections or other transportation arrangements to reach your destination.
Sickness, Accidental Injury that occurs during Your Trip, or death of You, which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your continued participation in Your Trip. A Physician must verify interruption of Your Trip before Your Trip is terminated. Terrorism in a country (which is part of Your Trip) which causes the U.S. Department of State to issue a travel warning** that You should not travel within that country for a period of time that would include Your Trip.

*Travel Reimbursement services and amounts may vary by state, please review your plan description for details.
**Threat must be documented by U.S. State Department travel warning that is issued during your trip.

Global Health and Safety Services
  • Access to our global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 180 countries
  • Detailed provider profiles
  • Appointment scheduling
  • Direct Pay to providers
  • Health and security news alerts
  • View More Details

24 Hour/ 7 Day Global Medical Assistance


Available to U.S. residents, age 84 or younger, who live in approved states. See Eligibility Requirements.

Participant must be enrolled in a primary health plan. 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: 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 and medical limit 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 product, simply return your Certificate of Insurance and your ID Card to us 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.