TravelGap Excursion Insurance

Plan Summary

Travel Gap Excursion Insurance provides Single trip health and accident insurance for international travel. When you purchase TravelGap Excursion Insurance, you also gain access to HTH's Global Health and Safety Resources.

Policy Maximum	TravelGap Voyager Insurance plan offers benefit maximums of US$50,000; US$100,000; US$500,000; US$1,000,000 for the life of the plan.
Deductible	US$0; $100; US$250; US$500 deductible per period of coverage.
Co-insurance	Plan will pay 100% of the covered amount.
Eligibility	- TravelGap Voyager Insurance is offered to members Age under 75.	- Traveling outside the U.S. and scheduled to spend at least 24 hours away from Home.
Pre-Existing Condition Definition	- A Pre-existing Condition for which medical advice, diagnosis, care, or treatment was recommended or received during the 2 years immediately preceding the insured person's Effective Date of coverage.
Coverage	- Hospital Room and Board - Hospital intensive care unit charges - Physician visits, surgeon, Private duty nurse fee	- Pre-admission tests - Diagnostics: X-Rays - Hospital emergency room - Prescription Drugs
Underwriter	Underwritten by HM Life Insurance Company.
Buy - Online	Apply & purchase online TravelGap Excursion Insurance
Brochure	Complete, mail/fax the TravelGap Excursion Insurance Brochure along with payment

TravelGap Excursion 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:
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%
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	100% 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 $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

Services provided in addition to the benefits above

Additional Travel Reimbursement Services

All participants covered by this insurance plan are enrolled in the Global Citizens Association whose members are entitled to a $50 allowance to cover costs associated with each of the following incidents:

Lost passport
Lost airline ticket
Lost piece of luggage
Change of airline ticket if trip is interrupted for medical reasons, a terrorist event or an imminent threat* to personal safety

*Threat must be documented by U.S State Department travel warning

HTH Global Health and Safety Services

Access to contracted doctors in more than 165 countries
Access to worldwide security information in more than 166 countries and 231 cities
Online doctor search with more than 3,300 contracted physicians
Access to Drug Translation Guide
Health and security news alerts