Emergency Medical Expense Coverage

This coverage provides reimbursement for emergency medical and dental care in the case of sudden, unexpected illnesses or injuries during your trip.

Contents (click to jump down) What does Medical/Dental Expense cover? What is NOT covered? Understanding Primary and Secondary Medical Coverage Important notes about this coverage What type of policy covers this? Package Plans: How much coverage does each company provide? Travel Medical Plans: How much coverage does each company provide? Annual Plans:How much coverage does each company provide? Summary

Let us tell you a story

Susan and Richard had long planned on an African safari for their 30th wedding anniversary. When they found a safari through Zimbabwe that included the opportunity to witness a wildlife migration, they jumped at it.

While they were in Tarangire National Park photographing the big game migration, one elephant was spooked and stampeded toward the tour jeeps, slamming into the one that held Susan, Richard, and their driver. Susan was thrown from the jeep, knocking her unconscious. The driver contacted their tour operator who sent a medical transport, while Richard used the driver’s global phone to contact their travel insurance provider. The operator told Richard which medical facility had the best doctors and could care for Susan’s injuries. When the medical team arrived, they determined that Susan had a broken pelvis and several broken ribs. They transported Richard and Susan to the medical facility Richard directed them to and Susan’s injuries were treated. Without travel insurance coverage, Richard and Susan would not have known which medical facility to trust or how to cover the transportation and medical care Susan badly needed.

What does Medical/Dental Expense cover?

This coverage provides reimbursement for emergency medical and/or dental care if you experience:

• a sudden unexpected illness or injury that is either life threatening or could result in irreparable harm if left untreated, or
• an injury or infection, lost filling, or broken tooth that requires immediate treatment by a dentist.

Reasonable and customary costs generally covered include:

• services of physicians and nurses
• surgery, anesthesia, X-rays and lab costs
• local ambulance services
• prescription drugs
• prosthetics and therapeutic services and supplies

Unlike your typical health insurance at home, travel insurance reimburses you for your medical expenses while on your trip. You’ll probably still have to pay your medical bills yourself first, and then receive reimbursement from the insurance company. In some cases, a travel insurance plan can advance payment to a medical facility, but this is on a case-by-case basis and depends entirely on the travel insurance provider.

What is NOT covered?

Medical expenses resulting from the following are not covered:

• pre-existing medical conditions (see this page for more information)
• suicide or any attempt at self-destruction
• injury or illness related to alcohol or drug use
• injuries related to participation in professional, semi-professional, or amateur sports (unless specifically included in the policy coverage)
• injuries related to participation in hazardous activities such as hang-gliding, para-gliding, skiing, scuba diving, and more (unless specifically included in the policy coverage)
• cosmetic or elective treatments
• mental, nervous, or psychological disorders
• normal pregnancy, resulting childbirth, or elective abortion

Most package plans exclude coverage for dental treatment except as a result from accidental injury to an insured’s sound natural teeth which means the following are not covered:

• dental bridges, dentures, dental braces or orthodontic devices

Understanding Primary and Secondary Medical Coverage

A primary health plan is a group health, an individual health, or a governmental health plan that will act as the first payor of claims (such as Medicare or your employer-based health plan) and, as such, is your primary medical coverage.

Secondary medical coverage starts paying after primary coverage has paid its portion. This means that secondary medical coverage will pay deductibles, co-pays, and additional out-of-pocket expenses up to the policy limit.

Secondary coverage assumes there is other coverage that is considered primary. If you don’t have other medical coverage, your secondary coverage becomes primary by default.

Travel insurance plans with primary medical benefits will ask for information about your other medical insurance. This also means that they will submit your claim to your other insurance first and then process the claim as secondary coverage.

Important notes about this coverage

• You must provide information about your other health insurance even if you are traveling outside the U.S. and know you won’t have coverage
• Dental coverage is usually limited to a per-tooth maximum (typically between $100 and $250)

What type of policy covers this?

• Package Plans
• Travel Medical Plans
• Annual Plans

Package Plans: How much coverage does each company provide?

Policy	Company	Primary or secondary	Policy limit	Deductible
Basic	Allianz	Secondary	$10,000
Classic	Allianz	Secondary	$25,000
Deluxe	Allianz	Primary	$50,000
Drive Protection	Allianz	Secondary	$1,000
QuickTrip Protector	Allianz	Secondary	$25,000
Custom	CSA	Secondary	$50,000
Custom Luxe	CSA	Secondary	$250,000
Essentials	Global Alert	Secondary	$25,000
Global Alert Preferred	Global Alert	Secondary	$100,000
Global Alert Preferred Plus	Global Alert	Secondary	$250,000
TravelGap Voyager	HTH Worldwide	Secondary	$50,000-$1,000,000
TravelGap Excursion	HTH Worldwide	Secondary *	$50,000-$1,000,000
Trip Protector	HTH Worldwide	Secondary	$500,000
Trip Protector Preferred	HTH Worldwide	Secondary	$1,000,000
Advantage Asset	MH Ross	Secondary	$25,000
Advantage Bridge	MH Ross	Secondary	$100,000
Advantage Complete	MH Ross	Secondary	$250,000
RoundTrip	Seven Corners	Secondary	$150,000
RoundTrip Choice	Seven Corners	Secondary	$150,000
RoundTrip Elite	Seven Corners	Secondary	$75,000
Adventure Travel	Travel Guard	Secondary	$25,000
Basic	Travel Guard	Secondary	$10,000 ***	$50
Business	Travel Guard	Secondary	$50,000
Gold	Travel Guard	Primary	$50,000
My Travel Guard	Travel Guard	Secondary	$25,000	$50
Pack 'n Go	Travel Guard	Secondary	$25,000
Platinum	Travel Guard	Primary	$10,000
Savvy Traveler	Travel Guard	Secondary	$10,000	$50
Silver	Travel Guard	Secondary	$15,000	$50
Sportsman's	Travel Guard	Secondary	$25,000
Tee, Tour, and Travel	Travel Guard	Secondary	$25,000
Select Basic	Travel Insurance Services	Secondary	$10,000
Select Elite	Travel Insurance Services	Secondary	$50,000
Select Plus	Travel Insurance Services	Secondary	$100,000
Trip Protector Lite Expanded	Travel Insured	Secondary	$10,000	$50
Trip Protector Lite Expanded	Travel Insured	Secondary **	$15,000	$50
Worldwide Trip Protector	Travel Insured	Secondary **	$50,000	$50
Worldwide Trip Protector Gold	Travel Insured	Secondary **	$50,000	$50
Basic	Travelex	Primary *	$15,000 (for sickness) $15,000 (for accidents)
Business Traveler	Travelex	Secondary	$50,000
Travel Lite	Travelex	Primary *	$15,000 (for sickness) $15,000 (for accidents)
Travel Max	Travelex	Primary	$100,000
Travel Plus	Travelex	Primary	$75,000
Travel Select	Travelex	Primary	$50,000
Travel Select Advantage	Travelex	Primary	$50,000
Vacation	TravelSafe	Secondary	$35,000
Vacation Classic	TravelSafe	Secondary	$100,000
Protect-a-Group	TravelSafe	Secondary	$100,000

* Plan requires you to have a primary health plan
** Optional upgrade to make this medical coverage primary.
*** Optional upgrade to add additional medical

Travel Medical Plans: How much coverage does each company provide?

Policy	Company	Primary or secondary	Policy limit	Deductible
TravMed Abroad	FrontierMEDEX	Secondary	$100,000 *	$25
TravMed Choice	FrontierMEDEX	Secondary	$50,000-$500,000 *	$100-$250
TravMed International	FrontierMEDEX	Secondary	$1,000,000	$100-$1,000
TravMed Global	FrontierMEDEX	Secondary	$250,000 *	$100-$1,000
Diplomat America ***	Global Underwriters	Secondary	$50,000-$500,000	$50-$5,000
Diplomat LT ***	Global Underwriters	Secondary	$500,000-$1,000,000	$50-$5,000
Diplomat International ***	Global Underwriters	Secondary	$50,000-$1,000,000	$0-$5,000
Liaison Worldwide	Seven Corners	Secondary	$50,000-$500,000 **	$100-$2,500
Liaison International	Seven Corners	Primary	$50,000-$1,000,000	$100-$2,500
Liaison Majestic	Seven Corners	Secondary	$60,000-$1,000,000	$100-$2,500
Liaison Continent	Seven Corners	Secondary	$50,000-$1,000,000	$100-$2,500
Worldwide Health	Travel Guard	Secondary	$50,000-$1,000,000	$100-$2,500
InterMedical	Travel Insurance		$25,000-$100,000	$50
WorldMed	Travel Insurance		$5,000-$500,000 *
Study USA	Travel Insurance		$250,000-$300,000
Visit USA	Travel Insurance		$50,000-$100,000
Atlas Travel	Travel Insured	Primary	$50,000-$1,000,000 *	$0-$2,500

* Less if over age 70
** Less if over age 80
*** Eligibility limited after age 59 or 69 depending on the plan

Annual Plans:How much coverage does each company provide?

Policy	Company	Primary or secondary	Policy limit	Deductible
Annual Travel Protection	Allianz	Secondary	$20,000
Annual Business Traveler	Allianz	Secondary	$5,000-$25,000
TravelGap Multi-Trip Gold	HTH Worldwide	Secondary	$250,000 **
U.S. Student Abroad	HTH Worldwide	Primary	$250,000
TravelGap Multi-Trip Silver	HTH Worldwide	Secondary *	$50,000
Global Citizen	HTH Worldwide	Primary	$5,000,000	$250-$1,000
Global Student USA	HTH Worldwide	Primary	$250,000	$100
Business Traveler	Travelex	Secondary	$50,000
TravelRite	Travel Guard	Secondary	$10,000
Worldwide Health International	Travel Guard	Secondary	$50,000-$1,000,000	$100-$2,500
MedEvac	Travel Guard	Secondary	$50,000

* Plan requires you to have a primary health plan
** Less if insured is over age 70

Summary

• This coverage provides reimbursement for reasonable costs associated with emergency medical and/or dental care while traveling
• Not all medical conditions are covered with this coverage (pre-existing conditions are not)
• You must provide information about any current health coverage when you purchase your plan
• The coverage may be secondary or primary depending on the plan