International Travel - Health Insurance

TravMed Choice Outbound

Our most complete package of accident and sickness insurance, emergency medical evacuation, repatriation and worldwide 24-hour medical assistance for U.S. residents traveling outside of the United States and foreign nationals traveling to the United States.

Deductibles: $100 or $250 Per policy period
U.S resident traveling to Canada or anywhere in the world the plan will pay 100% of the costs
Emergency Medical Expenses benefit: $50,000, $100,000, $250,000 or $500,000*
$100,000 Emergency Medical Evacuation benefit
$25,000 Repatriation of Mortal Remains benefit
Physicians' fees and hospital expenses
Special trip expenses for accompanying travelers, 18 years of age younger, to home residence
Special trip expenses for bringing a companion to your side
Optional Hazardous Sports Coverage (not available to residents of Washington state)

Description of Coverage
For US Residents Traveling Outside the United States
Please keep this document with you while you travel.

Part A – Medical Protection
Accident and Sickness Medical Expense	amount selected; maximum $500,000
Deductible	amount chosen ($100 or $250)
Dental	$200 / tooth to a maximum of $1,000
Incidental Trips to Home Country sublimit	$25,000
Extension of Benefits sublimit	$5,000
Emergency Evacuation & Repatriation	$100,000
Repatriation of Remains	$25,000
Emergency Reunion	$10,000
Return of Minor Children	$5,000
Hazardous Sports Coverage	available to plan maximum

Part B – Travel Protection
Trip Interruption	$5,000

Part C – Baggage Protection
Lost Baggage	$250

Part D – Travel Accident Protection
Accidental Death & Dismemberment	$25,000

How to Use TravMed Abroad Services
24 hours a day, 7 days a week, 365 days a year
MEDEX is Your key to travel safety. If You have a medical or travel problem, simply call Us for assistance. Our toll-free and collect-call telephone numbers are printed on Your ID card. Either dial the toll-free number of the country you are in, or call the Emergency Response Center COLLECT at:
Baltimore, Maryland, USA +1 410 453 6330
An assistance coordinator will ask for Your name, Your company or group name, the MEDEX ID number shown on Your card, and a description of Your situation.
If the condition is an emergency, You should go immediately to the nearest physician or hospital without delay and then contact the 24-hour Emergency Response Center. We will then take the appropriate action to assist You and monitor Your care until the situation is resolved.
Payments arranged by MEDEX
Most Physicians and hospitals will provide you with the necessary medical treatment will either send their bill directly to MEDEX Insurance Services, or in the case of small dollar amounts, may ask You to pay at time services are rendered. Ask the hospital or Physician to contact MEDEX. We will confirm Your protection plan coverage and arrange for prompt payments. You will be asked to pay for any deductible amount or items not covered by Your plan.
Payments made by You
If You are required to pay for medical treatment, obtain a signed receipt and a signed statement by a Physician describing the problem and the treatment. Once Your other insurance has processed Your claim, submit a copy of their final disposition along with a MEDEX Insurance Services claim form and a copy of Your receipts to:
MEDEX Insurance Services 8501 LaSalle Road, Suite 200 Baltimore, MD 21286 1 800 732 5309 or 1 410 453 6380
For claim forms or questions, call between 8:00 A.M. and 5:00 P.M. Monday through Friday Eastern Time.

POLICY LIMIT	Option 1 $50,000	Option 2 $100,000	Option 3 $250,000	Option 4 $500,000
TravMed Choice (Out Bound) offers travel insurance plans designed for U.S Citizens/residents traveling abroad. Rates are based on age and plan options. Coverage can be purchased online for a minimum of seven (7) days up to a maximum of one (1) year The Following rates are on base of $250 deductible – If you want the $100 deductible option multiply by 1.12
Age	US Citizens/Resident Daily Rates (Minimum length of coverage is 7 days)
Child Alone (0-17)	1.22	1.35	1.42	1.55
18 to 29	1.22	1.42	1.57	1.62
30 to 39	1.42	1.62	1.93	2.15
40 to 49	2.22	2.50	2.65	2.75
50 to 59	3.57	4.12	4.35	4.58
60 to 64	4.12	4.85	5.25	5.73
65 to 69	4.85	5.18	5.50	5.93
70 to 79	7.07	N/A	N/A	N/A
80 plus *	14.13	N/A	N/A	N/A
Dep. Child (0-17)	0.68	0.88	0.95	1.02
* Age 80+ $10,000 maximum benefits

Pre-existing Medical Condition Exclusion Applicable To All Coverages (except Emergency Medical Evacuation and Repatriation of Remains)

The Policy will not pay for loss or expense incurred as the result of Injury or Sickness of the Covered Person or Family Member which manifests itself during the 180 days immediately preceding and including the Effective Date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 180 day period. A Sickness has manifested itself when: (a) medical care or treatment has been given; or (b) there exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment.

In addition to any exclusion which applies to a particular benefit (called "Additional Exclusions"), the Policy does not cover loss due to:

intentionally self-inflicted Injury, suicide, or attempted suicide, while sane or insane (in Missouri, while sane);
war or any act of war, whether declared or not, civil disturbance or insurrection;
military duty or service; while serving as a member of the naval, air or Armed Services of any country;
bodily contact sports; skydiving; hang gliding; parachuting; mountaineering (the ascent or descent of a mountain requiring the use of specialized equipment, including, but not limited to, pick-axes, anchors, bolts, crampons, carabineers and lead or top-rope anchoring equipment); any race; bungee cord jumping; speed contest; scuba diving; spelunking or caving; heliskiiing; (Mountaineering, bungee cord jumping, scuba diving, spelunking, and caving are not excluded, if the additional premium is paid for these sports activities);
participation in professional athletic events;
operating, or learning to operate, any Aircraft, as a student, pilot or crew;
Injury or loss or Sickness that occurs while the Covered Person is legally intoxicated (as determined by that state's law) or while under the influence of any drug unless administered under the advice and consent of a Doctor;
Injury sustained while committing or attempting to commit a felony or misdemeanor;
pregnancy or childbirth, or elective abortion, other than Complications of Pregnancy;
routine dental care; dental treatment, except as a result of Injury to sound natural teeth;
mental and nervous disorders (except as provided in the Policy);
any non-emergency treatment or surgery;
Elective Treatment, or medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
any treatment, service or supply not specifically covered by the Policy;
elective or cosmetic surgery except for necessary treatment due to covered Injury;
venereal disease or syphilis.
covered medical expenses for which the Covered Person would not be responsible for in the absence of the Policy.
Injury or sickness where the Covered Person is traveling against the advice of a medical professional.

If We determine the benefits paid under this Policy are eligible benefits under any other benefit plan, We may seek to recover any expenses covered by another plan to the extent that the Covered Person is eligible for reimbursement.

This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims.

The following exclusions apply to Part B - Baggage Protection only.

Property Not Covered: The Insurer will not pay for damage or loss of animals; bicycles except when checked with a Common Carrier; motor vehicles and equipment; boats, motorcycles, motors or any other vehicles; artificial limbs, artificial teeth, dental bridges/appliances, any type of eyeglasses, sunglasses or contact lenses; hearing aids; tickets, money, notes, securities, accounts, bills, currency, deeds, food stamps or other evidence of debt, credit cards and other travel documents except passports and visas.

Additional Exclusions: The Insurer will not pay this benefit for loss due to: normal wear and tear; gradual deterioration; rodents, animals or insects; damage while being worked on; natural defect or damage sustained due to any process or repair; civil war, insurrection, rebellion, revolution or warlike act by a military force, whether war is declared or not declared; confiscation or expropriation by order of any government; nuclear reaction, nuclear radiation,or radioactive contamination; sporting equipment damaged while being used; theft or pilferage while left unattended in any vehicle; mysterious disappearance.

Pre-existing Medical Condition Exclusion Applicable To All Coverages (except Emergency Medical Evacuation and Repatriation of Remains)
The Policy will not pay for loss or expense incurred as the result of Injury or Sickness of the Covered Person or Family Member which manifests itself during the 180 days immediately preceding and including the Effective Date, unless the condition is controlled through the taking of prescription drugs or medication and remains controlled throughout the 180 day period. A Sickness has manifested itself when: (a) medical care or treatment has been given; or (b) there exist symptoms which would cause a reasonably prudent person to seek diagnosis, care, or treatment.

Pre-existing Medical Condition Exclusion Applicable To All Coverages (except Emergency Medical Evacuation and Repatriation of Remains)

TravMed Choice Outbound For US Residents Traveling Outside the USA

TravMed Choice Outbound