A medical condition that existed prior to the approval of the application whether condition was known or not know by the applicant
Up to $15,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US.
Please see the policy wording for complete details about pre-existing condition coverage. Other factors may apply that effects the pre-existing condition coverage under this policy. If you need assistance please contact us..
Up to $15,000 for U.S. citizens traveling outside the United States and Canada. Age 65 and older the benefit is $2,500.
Please see the policy wording for complete details about pre-existing condition coverage. Other factors may apply that effects the pre-existing condition coverage under this policy. If you need assistance please contact us.
Preexisting Conditions: Benefits are not available for any services received on or within 6 months (0 months for the TravelGap® Single Trip Excursion plan) after the insured Person became insured if those services are related to a Preexisting Condition. Preexisting Condition means a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during the 6 months (0 months fro the Travelgap® Single Trip Excursion plan) immediately preceding the Insured Person's Effective Date of Coverage. This exclusion does not apply to a Newborn who is enrolled within 31 days of birth or a newly adopted child who is enrolled within 31 days from either the date of placement of the child in the home or the date of the final decree of adoption. This exclusion does not apply to the MEdical Evacuation, Repatriation or Remains and Bedside Visit Benefits.
See brochure for details.
Emergency medical evacuation due to a pre-existing condition. A pre-existing condition is a medical condition that existed prior to the approval of the application whether condition was known or not know by the applicant
Up to $25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-Existing Condition.
Up to $50,000 for medical evacuations as a result of a preexisisting condition.
$25,000 total for medical and evacuation. For a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, which occurs spontaneously and without advance warning either in the form of a Physician recommendation or symptoms, and which occurs while coverage is in effect. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Preexisting Conditions: Benefits are not available for any services received on or within 6 months (0 months for the TravelGap® Single Trip Excursion plan) after the insured Person became insured if those services are related to a Preexisting Condition. Preexisting Condition means a medical condition for which medical advice, diagnosis, care, or treatment was recommended or received during the 6 months (0 months fro the Travelgap® Single Trip Excursion plan) immediately preceding the Insured Person's Effective Date of Coverage. This exclusion does not apply to a Newborn who is enrolled within 31 days of birth or a newly adopted child who is enrolled within 31 days from either the date of placement of the child in the home or the date of the final decree of adoption. This exclusion does not apply to the MEdical Evacuation, Repatriation or Remains and Bedside Visit Benefits.
Extension of coverage while making incidental trips to your country of origin
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.
If you are a US citizen, traveling for three (3) months or more, you are covered for Medical expenses only during one incidental trip to your Home Country for up to 15 days. You must continue your international trip no more than 15 days after your return to your Home Country in order to be eligible for this benefit. Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.
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.
The ability to renew the policy to extend the period of coverage
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.
If three month minimum coverage is purchased, coverage may be renewed without a break in coverage. Renewals are available in daily or one month increments.Renewals less than one month must be completed on-line and will be charged an additional $5 processing fee.
- 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
