| Plan Type |
Primary Coverage |
Secondary Coverage
This plan pays after any other insurance you have pays on your claims. Other coverage can be medical, homeowners, Medicare, another travel coverage, workers compensation to name a few. If no other coverage exists, this plan becomes primary. |
| Coinsurance help |
100% of Covered Expenses up to the policy maximum |
100% of Covered Expenses up to the policy maximum |
| Medical Benefits |
| Hospital room and board help |
Average semi-private room rate up to the maximum limit. Includes nursing service |
Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive care unit help |
Three times the average semi private room rate |
Three times the average semi private room rate |
| Physician visits help |
Covered |
Covered |
| Radiology / X-ray help |
Covered |
Covered |
| Physical Therapy help |
Limited to $50 per visit, one visit per day and 10 visits per Policy Period. |
Limited to $50 per visit, one visit per day and 10 visits per Policy Period. |
| Prescription Drugs and Medications help |
Covered |
Covered |
| Hospital indemnity help |
$150 per night up to a maximum of 15 nights |
$150 per night up to a maximum of 15 nights |
| Mental or Nervous Disorders |
$2.5K per Policy Period |
$2.5K per Policy Period |
| Emergency Services |
| Emergency local ambulance help |
Covered |
Covered |
| Cardiac conditions |
up to $25K per Policy Period for ages up to 69 or $15K per
Policy Period for ages 70 and over |
up to $25K per Policy Period for ages up to 69 or $15K per
Policy Period for ages 70 and over |
| Emergency Medical Treatment of Pregnancy |
2.5K per Policy Period |
2.5K per Policy Period |
| Dental |
| Emergency dental treatment help |
$500 per Policy Period |
$500 per Policy Period |
| Evacuation |
| Emergency medical evacuation help |
100% up to $2M |
100% up to $2M |
| Medically Necessary Repatriation |
100% up to $15K per Policy Period |
100% up to $15K per Policy Period |
| Emergency reunion help |
$15K |
$15K |
| Return of mortal remains or cremation/burial help |
100% up to $1M |
100% up to $1M |
| Return of minor children help |
$5K maximum limit |
$5K maximum limit |
| Political evacuation help |
$25K maximum limit |
$25K maximum limit |
| Natural disaster evacuation help |
$10K per Policy Period, Up to $250 per day to a max of 5 days for Reasonable Expenses |
$10K per Policy Period, Up to $250 per day to a max of 5 days for Reasonable Expenses |
| Trip Delay help |
$150 a day up to $2K ; Optional : $4K and $7K |
Not Covered |
| Lost luggage help |
$1K per Policy Period |
$1K per Policy Period |
| Unexpected Recurrence of a Pre-Existing Condition |
| Pre-Existing Conditions help |
The first $20K of Covered Expenses up to age 65 or the first $10K of Covered Expenses for age 65 or over |
Up to $2.5K
|
| Life |
| AD&D help |
$25K principal sum. Not subject to deductible. |
$25K principal sum. |
| Travel Insurance |
| Underwriter |
Zurich Insurance Europe AG Belgian branch |
Zurich Insurance Europe AG Belgian branch |
| Rating help |
AM Best Rating: A |
AM Best Rating: A |
| Brochure and Details |
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