Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.
These plans do not have benefit limits based on the type of medical expense.
Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)
Administered by HTH Worldwide Trip Protector Insurance provides comprehensive travel insurance to protect your vacations. Trip Protector Insurance covers Trip cancellation/interruption, lost baggage, up to $100,000 medical/$500,000 medical evacuation. Trip Protector Insurance also makes you eligible for the HTH Global Health and Safety Resources. Trip Protector covers pre-existing conditions
Travel Protection Benefits: Insured by Stonebridge Casualty Insurance Company
Trip Cancellation: 100% Trip Cost
Trip Interruption: 100% Trip Cost
Baggage and Personal Effects: $1,000
Baggage Delay: $200
Travel Delay ($150 Daily Limit): $1,000
Air Flight Accident: $100,000
Pre-existing Conditions: Covered up to Policy Maximum if insurance is purchased prior to or within 24 hours of final trip payment.
The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:
The payment for this plan is received prior to/or within 24 hours after making your final payment;
You are not disabled from travel at the time you make your plan payment;
The booking for the Covered Trip must be the first and only booking for this travel period and destination.
Travel Medical Benefits: Insured by HM Insurance Group
Maximum Benefits per Person when 100 miles from home: $500,000
Accidental Death & Dismemberment: $50,000
Repatriation of Remains: $25,000
Medical Evacuation: $1,000,000
Dental care due to an injury or pain relief: 100% up to $500/ $250 per Tooth
Eligible US States: Alabama , Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania*, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming
*Some plans may not be available in all areas or Pennsylvania