assistance is not insurance. Rather it is the service (24 hours per day, 7 days a
week) of an English-speaking personal assistant,
trained and fluent in local languages and culture to help you quickly find
the medical care you need. These pros act as your advocate in communicating
with local medical services. Your assistant can help you revise travel plans
and facilitate emergency communications with your personal physician and
family back home. Theyll assist you in getting knowledgeable legal
advice if needed. Its as if you had a good friend wherever you
further away than a toll free phone call.
Optional trip cancellation
and curtailment coverage reimburses you for unrecoverable deposits and charges
and/or unexpected travel expenses
should your trip be
cancelled or shortened due to a covered illness or accident.
Overseas medical services often
demand full payment from international travelers at the time care is delivered.
Thus splinting of an ankle broken
in a misstep
from a curb could require an immediate payment of $7,500 or more. Should
it be desirable for you to return to your home country for treatment,
of medical evacuation can run from $15,000 on a commercial flight to
more than $100,000 for an air ambulance and medically trained crew.
Eligibility for HealthCare Global
is available to those under age 71.
Medical Expense Benefits
$250,000 Accident and Sickness
($100, $500 or $1,000 deductible)
After the deductible you select, the Company will pay up to $250,000 for those
medical expenses incurred outside the USA during the Period of Insurance which
are the direct result of 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. The benefit for downhill (alpine) skiing and scuba diving
(certification by PADI or NAUI required) is limited to $10,000.
This Accident and Sickness Benefit also includes:
If a covered injury or sickness occurs during the Period of Insurance
and requires your medical evacuation, the Company with your concurrence
and that of the attending physician, may evacuate you to a more suitable
hospital or to your home location in the event you are hospitalized more
than five consecutive days. An evacuation to your home location will terminate
coverage under this policy.
Emergency Reunion Benefit
If you are hospitalized outside your home country as the result of a covered
injury or sickness which will require a medical evacuation back to your
home country; this insurance will cover the round trip economy airfare
and lodging expenses for a family member (parent, spouse or sibling over
the age of 18) to be at your side during that hospitalization. This benefit
is limited to $5,000.
Repatriation of Remains
If a covered injury or sickness results in the loss of your life during
the Period of Insurance, the Company will pay the expenses for the preparation
and transportation of your body back to your home.
All medical evacuations,
emergency reunions and repatriation of remains expenses must be approved
(in advance) and coordinated by the Assistance Center.
Dental 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.
is a descriptive brochure containing a summary of the coverages provided
by the Master Policy. Once insured you will receive a Certificate of
Insurance which contains details of the coverage. This Insurance is underwritten
by Pan-American Life Insurance Company, 601 Poydras Street, New Orleans,
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:
|Any two limbs (above the elbow/knee)
|Sight in both eyes (irrecoverable)
|One limb and the sight in one eye
|One limb or the sight in one eye
||One-half Principal Sum
The Company will not pay more than the principal sum for all losses incurred as a result of the same accident.
Period of Insurance
Coverage for Medical Expense Benefits and the Accidental Death & Dismemberment Benefit starts: (a) on the departure date requested on the Application; (b) when you board a conveyance at the actual start of the planned trip; or (c) when your Application and premium are received by the Administrator, whichever occurs later. Coverage ends: (a) when you alight from a conveyance at the completion of the trip; or (b) at 11:59 p.m. local time on the date specified on your Application, whichever occurs earlier.
Company will reimburse you up to $1,000 if you evacuate yourself from an
area for which the U.S. Department of State has issued a “TRAVEL WARNING” urging
U.S. citizens not to travel to the immediate area, or to leave the affected
area if you are already there. Examples of “TRAVEL WARNINGS” may
include natural disasters such as earthquake, volcanic eruption, flood, tsunami,
biological outbreaks such as SARS, Avian Flu or civil unrest (including a significant
increase in terrorist activity).
This benefit is applicable only if you are in the affected
area before the WARNING is issued and evacuate yourself from that area as soon
as possible before the WARNING is cancelled.
The U.S. Department of State maintains a list of countries on its website
(www.travel.state.gov) where short-term conditions pose risks to travelers. This
Evacuation Benefit will not cover any evacuation expenses from an area listed
on its website prior to your arrival in that area.
insurance cannot be renewed. However; another policy may be purchased.
If a new policy is issued, any claims incurred under the previous
policy will be considered a pre-existing condition and therefore
not covered under the new policy.
Global covers injuries resulting from random acts of terrorism.
However, if it is your intention to travel to an area where a
state of war exists, that is faced with the threat of war, or
is in a state of civil unrest, that information must be included
on the Application. Additional premium may be required.
of Subrogation If you are injured or become sick
as a result of another person's negligence, the Company has
the right to seek reimbursement on your behalf against the
negligent party for any claims paid under this insurance.
Trip Cancellation and Curtailment Benefit
The Company will pay 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.
The Company will pay 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.
The Trip Cancellation and Curtailment Benefit may also be applicable if a covered injury, sickness or death are sustained by your 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 Benefit 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.
$100,000 Additional Accidental Death & Dismemberment Benefit
The Accidental Death & Dismemberment Benefit (as previously defined) may be optionally increased from the included $25,000 benefit to a total benefit of $125,000.
Exclusions & Limitations
This insurance does not cover, nor has premium been charged for losses resulting from:
||A Pre-existing Condition 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.
||Any claim in respect of:
- Congenital conditions; cosmetic surgery and/or dental care (except as covered under the Dental Expense Benefit); suicide, self-inflicted injury or any attempt thereat;
- Examinations/treatment where there is no objective impairment of normal health;
- Eyeglasses, contact lenses or hearing aids;
- Sexually transmittable diseases (this exclusion does not apply to HIV, AIDS, ARC or any derivative or variation thereof);
- Birth control, fertility or infertility treatment, or pregnancy including miscarriage or abortion;
- "Off-Road," All-Terrain Vehicle accidents; mountaineering (where ropes or guide persons are customarily used); or
- Other vehicle accident, if such expenses are recoverable under any other valid and collectible insurance, regardless of whether you assert your rights to obtain benefits from these sources. Nor will this plan cover you while operating a vehicle unless you are properly licensed to operate said vehicle at the time and place of the accident.
||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.
||Participation in professional sports; or involving aviation other than as a passenger in a powered aircraft currently licensed for the carrying of passengers.
||Expenses not considered medically necessary; or not recommended and approved by the attending physician.
||Amounts covered under any occupational or other benefit plan, or any other insurance or public assistance program.
||Those claim expenses incurred after the Period of Insurance or in the your home country.
||Any loss that occurs:
- From medical expenses incurred within the United States;
- While traveling against the advice of a physician;
- While on a waiting list for a specific treatment; or
- When traveling for the purpose of obtaining medical treatment.
HealthCare Global Premiums
Premium is based on the deductible you select
Minimum 2 weeks, Maximum
||$23.50 per week
||$19.00 per week
||$16.00 per week
$100,000 Additional Accidental Death
$3.50 per week (Minimum 2 weeks, Maximum 26 weeks)
A week is seven calendar days.
The first day of coverage can be your departure date or a later date if you request.
Coverage cannot begin before your departure
Deductible Requested $500.00
Departure Date March 10
Return Date March 28
Period of Coverage is 19 days therefore 3 weeks of coverage
$19.00 Per Week x 3 Weeks = $57 Premium
|Trip Cancellation and Curtailment Benefit
Coverage Available: $500 minimum; $10,000 maximum
Premium = Coverage Requested x .05
$1,250 Coverage Requested x .05 = $62.50 Premium
Premium (less applicable credit card processing fees) will be refunded only if Wallach & Company, Inc. receives a written request for the refund before your insurance begins. Once your insurance begins, all premium is considered fully earned and none will be refunded.