Benefits are as follows:
- Medical maximum: $50,000; $150,000; $300,000; $500,000 (ages 80+, maximum limited to $15,000)
- Deductible: $0; $100; $250; $500; $1000; $2500 Deductible is per person per Policy Period, maximum of 3 Policy Period deductibles per family. The selected Deductible and Coinsurance amount must be met for each Policy Period.
- Coinsurance:
Inside the United States and Canada:
-
- After you pay the deductible, the program pays 80% of the next $5,000 of eligible expenses, then 100% to the selected Medical Maximum.
Outside the United States and Canada:
- After you pay the deductible, the program pays 100% to the selected Medical Maximum.
- Hospital indemnity: $150 / night (for U.S. citizens traveling outside the United States) in addition to any other Covered Expense.
- Dental (emergency): $100 ($500 for accidents) Only available to programs purchased for one (1) month or more.
- Emergency medical evacuation/ repatriation: $300,000 (in addition to the Medical Maximum)
- Home country coverage: Incidental Trips to The Home Country: $50,000
- Follow me home coverage: $5,000
- Return of mortal remains: $50,000
- Emergency reunion: $50,000
- Return of minor child(ren): $50,000
- Interruption of trip: $5,000
- Loss of checked luggage: $250
- Local ambulance expense: $5,000
- Accidental death & dismemberment (ad&d): $25,000 Principal Sum for Insured or Insured Spouse, $5,000 for Dependent Child(ren).
- Common carrier accidental death: $50,000 per adult, $25,000 per child(ren) under age of 18; $250,000 Maximum per family
- Hospital room &: board: Usual, reasonable and customary to the selected Medical Maximum
- Intensive care: Usual, reasonable and customary to the selected Medical Maximum
- Outpatient medical expenses: Usual, reasonable and customary to the selected Medical Maximum
- Terrorism: Usual, reasonable and customary to the selected Medical Maximum
- Waiver of pre-existing conditions: Up to $20,000 for U.S. citizens traveling outside the United States (refer to exclusion #1 in brochure for details)
- Benefit period: Six months
*Restricted States include: CT, DC, KS, LA, MD, ME, NC, NH, NY, OR and WA * See our Liaison Worldwide Travel Medical Insurance brochure for full details and restrictions.
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