WHAT IS INTERNATIONAL TRAVEL MEDICAL INSURANCE?
- If you are a United States citizen living abroad, traditional U.S. private health insurance will not meet your needs. Provider limitations and geographical exclusions are common to U.S. personal health policies, such as Blue Cross, Aetna, and United Health Care. These policies restrict and even eliminate the coverage that they provide while you are outside the United States. In addition, you may not be eligible for the government-sponsored plan in the country where you are visiting or residing.
- International Medical Insurance is available for citizens of any nationality worldwide. If you are a non-U.S. citizen, you may need an international medical insurance policy to supplement the coverage available through your government-sponsored plan or to provide coverage while you are outside your own home country.
- International Medical Insurance is not standard Personal Health Insurance. See below for coverage descriptions.
FACTS ABOUT INTERNATIONAL TRAVEL MEDICAL INSURANCE
- Half of U.S. travelers heading to another country will experience a health problem, according to the U.S. Center for Disease Control and Prevention.
- Hardly any U.S. Insurance Companies, HMOs, PPOs, or Medicare Services provide adequate travel medical insurance, or provide the necessary emergency medical evacuation, repatriation, or trip cancellation coverage for international travel.
- Foreign visitors and new immigrants do not qualify for most domestic health insurance plans.
- International medical evacuation and air ambulance can cost over $90,000.
WHO NEEDS INTERNATIONAL TRAVEL MEDICAL INSURANCE?
- Persons who work or live overseas.
- Persons who travel internationally on a routine basis.
- Foreign Nationals visiting or working in the U.S.A.
- Foreign Nationals in their home country working for a U.S. company.
- U.S. citizens returning to the U.S.
- Foreign Exchange Students.
- Relatives visiting from abroad.
WHAT IS COVERED?
- Hospital expenses: All medically necessary expenses while hospitalized.
- Physician services: All medically necessary expenses for treatment.
- Skilled nursing facilities: All medically necessary expenses if confinement begins following a medically necessary hospital confinement of three days or longer.
- Home Health Care: All medically necessary expenses if you are hospitalized would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved, and followed by a physician.
- Ambulance Service Expenses: To and from a hospital within 100 miles.
- Prescription drugs: Covered during and following a period of hospitalization.
- Repatriation of remains: In the event of death, underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $100,000.
- Common Accident Provisions: In the event you and a family member suffer injuries from the same accident, only one deductible and coinsurance shall be applied.
- Global Medical Transportation: All medically necessary expenses for stabilization and transportation to the facility nearest your home, which can provide care up to $100,000.
- Lost Luggage: In the event that your checked-on luggage is completely and totally lost, underwriters shall reimburse you a maximum of $500, in excess of any and all other valid and collectible coverage.
- Emergency Return Home: If, after you have departed, you learn of the death of a family member, or destruction of your home by fire, wind, flood, or earthquake, underwriters shall reimburse you the cost of an economy one-way air or ground transportation ticket for you to your home, up to a maximum of $5,000.
- Trip Cancellation Benefit: If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure, your entire trip must be cancelled due to 1) your death, illness, or injury causing hospitalization or outpatient surgery, or 2) the death of an immediate family member, or 3) the substantial destruction of your home due to fire, wind, flood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $1,000, in excess of $100 each for and every loss and in excess of all other valid insurances.
- $25,000 Accidental Death: Double indemnity ($50,000 total) if accidental death occurs while riding as a passenger of a common carrier.
- Sports Activity Coverage: (Optional) will reimburse for eligible expenses which result from an injury involving a sport or activity that is specifically named on the schedule of coverage.
- Accidental Death and Dismemberment: Pays the principal sum not to exceed $5,000 in the event of accidental death. Loss of eyesight and limbs are also scheduled under the principal sum.
- War and Terrorism Coverage: (Optional) Covers eligible expenses as a result of injury or illness sustained due to war/terrorism or act of war/terrorism except nuclear, chemical, or biological.
- Kidnapped or Ransom Coverage: (Optional) Reimburses you for the ransom expenses paid on your behalf in order to release you from a kidnapping event which took place in the USA. You will also be reimbursed for the crisis response fee up to $100,000.
WHAT IS NOT COVERED?
- Any expenses which you are not legally obligated to pay.
- Services that are not medically necessary.
- Outpatient drugs, unless prescribed after your hospitalization.
- Dental, hearing, and vision examinations, unless accidental injury occurs.
- General routine exams.
- Custodial care.
- Self-inflicted injuries while sane or insane.
- Treatment of alcoholism, drug addition, allergies, and/or mental or nervous disorders.
- Pregnancy and fertility.
- Elective surgery.
- Pre-existing conditions.
Description of Available Benefits