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TRAVMED GLOBAL For traveling outside the home country other than USA

TRAVMED GLOBAL


TravMed Global is for Foreign national traveling outside their home country other than the USA - up to age 70 maximum. Minimum Two (2) weeks, 26 weeks benefits maximum. It's a complete package of accident and sickness insurance, emergency medical evacuation, repatriation and worldwide 24-hour medical assistance.

In an effort to fulfill all of your Travel/Visitors Insurance needs, VisitorsInsurance.com - A Division of Community Insurance Agency, Inc has partnered with MEDEX Insurance Services- A division of UnitedHealthCare Global, a leading provider of international medical insurance and assistance services. With Medex, you can have peace of mind, knowing that if an emergency occurs while you are abroad, you will have access to medical experts and the best treatment facilities in the area.

Pre-existing condition is defined as

Any injury or sickness or complications arising there from, which manifests itself, or for which a physician was consulted or for which treatment or medication was prescribed or taken in the 180 days immediately prior to the Period of Insurance. With reference to the Trip Cancellation/Curtailment Benefit this exclusion also applies to any condition or set of circumstances known to you at the time of purchasing the insurance where such condition or set of circumstances could reasonably have been expected to give rise to the cancellation or curtailment of the trip A comprehensive package of medical insurance, emergency medical evacuation, repatriation and worldwide 24-hour medical assistance.

Coverages

Your Identification Card will indicate which coverages you have purchased.

$250,000 Medical Expense Benefits includes benefits for

Accident and Sickness
Medical Evacuation
Repatriation of Remains
Emergency Dental

Subject to the deductible you selected ($100, $500, or $1,000).

$25,000 Accidental Death & Dismemberment Benefit
 
Optional Benefits

$500 - $10,000 Trip Cancellation and Curtailment Benefits

$100,000 Additional Accidental Death & Dismemberment Benefit

Medical Expense Benefits
Accident & Sickness Benefit ($250,000 Limit)

The company will pay up to the benefit limit (in excess of the deductible you selected) for those medical expenses incurred outside the USA during the Period of Insurance which are the direct result of a each covered injury or Sickness which first manifests itself during the Period of Insurance. Covered expenses include, but are not limited to, the necessary medical or surgical treatment, services and supplies, hospital services, local ambulance, prescriptions, x-rays, laboratory fees and visits to a physician’s office.

Benefit limits for downhill (alpine) skiing and scuba diving (certification by PADI or NAUI required) are $10,000.

The Accident and Sickness Benefit also includes:
Medical Evacuation

If a covered injury or Sickness occurs during the Period of Insurance and requires a medical evacuation; upon the recommendation of the attending Physician and MEDEX Physician Advisor, authorization from the MEDEX Medical Director and the concurrence of the Insured Person; the Company may: (a) medically evacuate the Insured Person to a more suitable medical facility; or (b) after five or more consecutive days of hospitalization, evacuate the Insured Person to their home, or an appropriate medical facility near their home. Medical evacuation to the Insured Person’s home or nearby medical facility will terminate all benefits under this policy.

All medical evacuations must be approved (in advance) and coordinated by MEDEX Corporation.

Repatriation of Remains

If a Covered Injury or Sickness results in the loss of life during the Period of Insurance, the Company will pay the expenses for the preparation and transportation of the body to the Insured Person’s home.

All repatriations of remains must be approved and managed by MEDEX.

Emergency Expense Benefit

The company will pay up to $200 for the immediate relief of dental pain; or up to $200 per tooth (subject to a $1,000 maximum for dental treatment resulting from a covered accident.

Accidental Death & Dismemberment Benefit

The principal sum benefit is $25,000.

If a Covered Injury occurs to you during the Period of Insurance, which is independent of all other causes and results in one of the following losses within 180 days of the Covered Injury, the Company will pay the sum indicated below:

Loss of Benefit
Life Principal Sum
Any two limbs (above the elbow/knee) Principal Sum
Sight in both eyes (irrecoverable) Principal Sum
Sight in one eye and loss of one limb Principal Sum
Sight in one eye or loss of one limb One-half Principal Sum

Period of Insurance

Coverage for Medical Expense Benefits and Accidental Death & Dismemberment Benefit starts; (a) at 12:01 a.m. local time on the departure date requested by you on the application; (b) when your application and premium are received by the Administrator; or (c) when you board a conveyance at the actual start of the planned trip, whichever occurs later. The Period of Insurance ends: (a) when you alight from a conveyance at the completion of your trip; or (b) at 11:59 p.m. local time on the last day of coverage specified on your application, whichever occurs earlier.

$500-$10,000 Trip Cancellation and Curtailment Benefit

Cancellation

The Company will pay you up to the benefit limit selected on the application for the loss of unrecoverable deposits or charges paid in advance, due to the necessary cancellation of the entire trip prior to the scheduled departure; provided that the Covered Injury, Sickness or death giving rise to the cancellation begins within the Period of Insurance.

Trip Curtailment

The company will pay you up to the benefit limit selected on the application for either; (a) any additional reasonable transportation and/or lodging expenses for the emergency return trip home; or (b) the balance of unrecoverable trip costs; whichever is lesser, provided that the Covered Injury, Sickness or death giving rise to the curtailment occurs after your trip commenced and prior to the termination of the coverage as specified on the application.

Trip Cancellation and Curtailment Benefits may also be applicable if a Covered Injury, Sickness or death are sustained by the insured Person’s traveling companion (named on the application), immediate family (spouse, children, mother, father, sister, brother) and immediate family in-laws. See Exclusion A.

Period of Insurance

Coverage for the Trip Cancellation and Curtailment Benefits begins at 12:01 a.m. local time 30 days prior to your scheduled departure, but no sooner than the date your application and premium are received by the Administrator. Coverage ends at; (a) the completion of your trip; or (b) 11:59 p.m. local time on the last day of coverage specified on your application, whichever occurs earlier.

TravMed Global Rates
Premium is based on the deductible you select
Deductible Cost per week
$100.00 $25.00 per week
$500.00 $20.00 per week
$1,000.00 $17.00 per week
Minimum 2 weeks, Maximum 26 weeks

This insurance does not cover, nor has premium been charged for losses resulting from:

  1. A pre-existing condition is defined as: Any injury or sickness or complications arising therefrom, which manifests itself, or for which a physician was consulted or for which treatment or medication was prescribed or taken in the 180 days immediately prior to the Period of Insurance. With reference to the Trip Cancellation/Curtailment Benefit this exclusion also applies to any condition or set of circumstances known to you at the time of purchasing the insurance where such condition or set of circumstances could reasonably have been expected to give rise to the cancellation or curtailment of the trip.
  2. Any claim in respect of:
    1. Congenital conditions; cosmetic surgery and/or dental care (except as covered under the Dental Expense Benefit; suicide; self-inflicted injury or any attempt thereat;
    2. Examinations/treatment where there is no objective impairment of normal health;
    3. Eyeglasses, contact lenses or hearing aids;
    4. Sexually transmittable diseases (this exclusion does not apply to HIV, AIDS, or ARC or any derivative or variation thereof);
    5. Birth control, fertility or infertility treatment, or pregnancy including miscarriage or abortion;
    6. “Off-Road”, All-Terrain Vehicle accidents; mountaineering (where ropes or guide persons are customarily used);or
    7. Other vehicle accident, if such expenses are recoverable under any other valid and collectible insurance, regardless of whether the Insured Person asserts their rights to obtain benefits from these sources. Nor will this plan cover the Insured Person while operating a vehicle unless the Insured Person is properly licensed to operate said vehicle at the time and place of the accident.
  3. Any claim arising from war, declared or undeclared, or any act of war or while in military service. An act of terrorism shall not be considered an act of war.
  4. Participation in professional sports; or involving aviation other than as a passenger in a powered aircraft currently licensed for the carrying of passengers.
  5. Expenses not considered Medically Necessary; or not recommended and approved by the attending Physician.
  6. Amounts covered under any occupational or other benefit plan or any other insurance or public assistance program.
  7. Those claim expenses incurred after the Period of Insurance or in the Insured Person’s Home Country.
  8. Any loss that occurs;
    1. From medical expenses incurred within the United States;
    2. While traveling against the advice of a physician’
    3. While on a waiting list for specific treatment; or
    4. When traveling for the purpose of obtaining medical treatment.