TravelGap Voyager Insurance

Plan Summary

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

Policy Maximum	Travel Gap 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 Voyager Insurance
Brochure	Complete, mail/fax the TravelGap Voyager Insurance Brochure along with payment

Travel Gap Voyager Insurance Benefits

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:
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	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