This benefit covers you for incidental trips to your home country.
Maximum benefit is reduced to $50,000 while in your home country.
Coverage will be limited to $5,000 for conditions first diagnosed outside your home country.
Up to 10 days for one incidental trip to your home country. When purchasing 3 or months of coverage, the Incidental Home Country Rider can be added for an additional 10% premium charge.
For those who are intending longer international trips a continuing coverage option is available to you. If you chose this option on the application and enroll for at least 3 months of coverage, you may purchase an additional period of coverage, minimum of one month, maximum of 12 months. There must be no breaks in coverage in order to continue the renewal process.
A new deductible and co-insurance will apply for each 12 months of coverage.
For people age 65 or older the plan is renewable up to 12 months only.
During the period of coverage an insured person may return to their country of residence for incidental visits up to a cumulative two weeks total, subject to:
A. The insured person must have left their home country of residence,
B. The total period of coverage must be for a minimum of 30 days, and
C. The return to the country of residence may not be taken to receive treatment for an illness or injury incurred while traveling.
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Pre-Trip Health and Safety Advisories
- LiveTravel services
- BagTrak
- Emergency message relay
- Emergency cash transfers
- Embassy and Consulate referrals
- Bail bond assistance
- Translation and interpretation assistance
The ability to renew the policy to extend the period of coverage
Extension of coverage while making incidental trips to your country of origin
$100 for each night of hospitalizacion.
A cash benefit paid while client is hospitalized
Please consult brochure for coverage restrictions.
Not available for states underwritten by Certain Underwriters at Lloyd's of London.
Please consult brochure for coverage restrictions.
