Individual Out of Country Accident & Sickness Medical

For clients who travel outside the US and for those traveling to the US from abroad, we have custom created three programs specifically designed to help provide necessary insurance protection.  With three distinct options to choose from, the Global Traveler, Global Explorer and Global Adventurer, clients can select the option that best suits their travel plans with AD&D benefits up to $250,000 and Accident & Sickness Medical up to $100,000.  With attractive features like comprehensive Travel Assistance Services, Unlimited Emergency Medical Evacuation & Repatriation benefits, War Risk coverage for those traveling to more risky areas as well as other enhancements such as Lost Baggage, Home/Vehicle Modification benefits, and Cosmetic Burn & Disfigurement benefits, we are confident that you will view this as a meaningful product that can round out your portfolio.

Whether traveling for business, pleasure, or educational purposes, individuals want the peace of mind that comes with purchasing global medical insurance to help provide the security they need. The Global TravelersSM plan responds to medical emergencies for travelers outside of their home country or country of permanent residence by providing basic accident and sickness benefits.

Plan Benefits

Medical Expense Benefit

Pays up to $25,000, $50,000, or $100,000 (individual election) after a $100 deductible for medically necessary covered expenses incurred within 60 days after a covered accident or sickness. Coverage ends on the earlier of the date the individual returns to his home country or country of residence or 26 weeks from the date of the covered accident or sickness, subject to the duration of the scheduled trip shown on the enrollment form.

Emergency Medical Expense Benefit

Provides 100% of covered expenses for emergency medical evacuation when an individual is traveling outside of his home country or country of residence and suffers a medical emergency.

Repatriation of Remains Benefit

Provides 100% of covered expenses for preparation and return of an individual’s body in the event of a death occurring outside of his home country or country of residence.

Accidental Death and Dismemberment Benefit

Pays up to the principal sum elected by the individual if the individual dies, loses a limb, sight, speech, hearing, or becomes paralyzed as the direct result of a covered accident. Principal sum options are $50,000, $100,000, or $250,000 (limited to $50,000 for anyone under 18 years of age).

24-Hour Access to Assistance Services

Global Travelers will be able to reach the multilingual coordination center 24 hours a day, 365 days a year, to confirm coverage and obtain access to these valuable services.

Emergency Medical Services
• Medical Referrals & Medical Monitoring
• Emergency Medical Payments & Hospital/Provider Payment Guarantees
• Emergency Medical Transport & Repatriation of Remains
• Replacement of Prescription Medications & Eyeglasses

Emergency Travel Services
• Emergency Message Relay
• Emergency Travel Arrangements & Cash Advance
• Legal Assistance & Bail
• Interpretation & Translation Services

Pre-Trip Information
• Visa, Passport, and Inoculation Requirements
• Cultural Information & Foreign Exchange Rates
• Weather Conditions & Travel Advisories

To download a pdf of the text above click here

To review the Specimen Description of coverage for most states relating to the Global Traveler Plan click here.

To purchase the Global Traveler Plan click here.

More people than ever before are planning international trips and intercontinental tours. The Global ExplorersSM plan offers more than accident and sickness benefits to help provide the protection that world traveler’s need.

Plan Benefits

Medical Expense Benefit

Pays up to $25,000, $50,000, or $100,000 (individual election) after a $100 deductible for medically necessary covered expenses incurred within 60 days after a covered accident or sickness. Coverage ends on the earlier of the date the individual returns to his home country or country of residence or 26 weeks from the date of the covered accident or sickness, subject to the duration of the scheduled trip shown on the enrollment form.

Emergency Medical Expense Benefit

Provides 100% of covered expenses for emergency medical evacuation when an individual is traveling outside of his home country or country of residence and suffers a medical emergency.

Repatriation of Remains Benefit

Provides 100% of covered expenses for preparation and return of an individual’s body in the event of a death occurring outside of his home country or country of residence.

Accidental Death and Dismemberment Benefit

Pays up to the principal sum elected by the individual if the individual dies, loses a limb, sight, speech, hearing, or becomes paralyzed as the direct result of a covered accident. Principal sum options are $50,000, $100,000, or $250,000 (limited to $50,000 for anyone under 18 years of age).

Home Alteration and Vehicle Benefit

Modification benefit provides up to 20% of the principal sum elected if an individual suffers a covered loss and requires adaptive devices or adaptation of his or her residence or vehicle to maintain an independent lifestyle.

Lost Baggage Benefit

Pays up to $250 with a $50 maximum benefit per bag for reimbursement of costs incurred to replace clothes and personal hygiene items, if a traveler’s luggage is checked onto a common carrier and is then lost, stolen, or damaged beyond use.

Cosmetic Disfigurement from Burns Benefit

Pays a percentage of the principal sum elected by the individual if the individual suffers third- or fourth-degree burns in one or more areas of the body as the result of a covered accident. The principal sum for this benefit is the same as the amount elected for Accidental Death & Dismemberment benefits.

24-Hour Access to Assistance Services

Global Explorers will be able to reach the multilingual coordination center 24 hours a day, 365 days a year, to confirm coverage and obtain access to these valuable services.

Emergency Medical Services
• Medical Referrals & Medical Monitoring
• Emergency Medical Payments & Hospital/Provider Payment Guarantees
• Emergency Medical Transport & Repatriation of Remains
• Replacement of Prescription Medications & Eyeglasses

Emergency Travel Services
• Emergency Message Relay
• Emergency Travel Arrangements & Cash Advance Legal Assistance & Bail
• Interpretation & Translation Services

Pre-Trip Information
• Visa, Passport, and Inoculation Requirements
• Cultural Information & Foreign Exchange Rates
• Weather Conditions & Travel Advisories
• Embassy and Consular Referrals

To download a pdf of the text above click here.

To review the Specimen Description of coverage for most states relating to the Global Explorer Plan click here.

To purchase the Global Explorer Plan click here.

Sometimes travel outside of your home country can get risky, especially if you need to travel to areas of political unrest and conflict. The Global AdventurerSM plan helps to provide the extra protection needed while traveling in most war risk territories.

Plan Benefits

Medical Expense Benefit

Pays up to $25,000, $50,000, or $100,000 (individual election) after a $100 deductible for medically necessary covered expenses incurred within 60 days after a covered accident or sickness. Coverage ends on the earlier of the date the individual returns to his home country or country of residence or 26 weeks from the date of the covered accident or sickness, subject to the duration of the scheduled trip shown on the enrollment form.

Emergency Medical Expense Benefit

Provides 100% of covered expenses for emergency medical evacuation when an individual is traveling outside of his home country or country of residence and suffers a medical emergency.

Repatriation of Remains Benefit

Provides 100% of covered expenses for preparation and return of an individual’s body in the event of a death occurring outside of his home country or country of residence.

Accidental Death and Dismemberment Benefit

Pays up to the principal sum elected by the individual if the individual dies, loses a limb, sight, speech, hearing, or becomes paralyzed as the direct result of a covered accident. Principal sum options are $50,000, $100,000, or $250,000 (limited to $50,000 for anyone under 18 years of age).

Home Alteration and Vehicle Modification Benefit

Provides up to 20% of the principal sum elected if an individual suffers a covered loss and requires adaptive devices or adaptation of his or her residence or vehicle to maintain an independent lifestyle.

Lost Baggage Benefit

Pays up to $250 with a $50 maximum benefit per bag for reimbursement of costs incurred to replace clothes and personal hygiene items, if a traveler’s luggage is checked onto a common carrier and is then lost, stolen, or damaged beyond use.

Cosmetic Disfigurement from Burns Benefit

Pays a percentage of the principal sum elected by the individual if the individual suffers third- or fourth-degree burns in one or more areas of the body as the result of a covered accident. The principal sum for this benefit is the same as the amount elected for Accidental Death & Dismemberment benefits.

War Risk Benefit

Pays up to 100% of the principal sum elected by the individual if the individual suffers a covered loss caused by war or acts of war on a worldwide basis, with the exception of the following countries: Afghanistan, Iran, Iraq, Israel, Lebanon, North Korea, Syria, the U.S., the insured’s home country, and the insured’s country of residence.

24-Hour Access to Assistance Services

Global Adventurers will be able to reach the multilingual coordination center 24 hours a day, 365 days a year, to confirm coverage and obtain access to these valuable services.

Emergency Medical Services
• Medical Referrals & Medical Monitoring
• Emergency Medical Payments & Hospital/Provider Payment Guarantees
• Emergency Medical Transport & Repatriation of Remains
• Replacement of Prescription Medications & Eyeglasses

Emergency Travel Services
• Emergency Message Relay
• Emergency Travel Arrangements & Cash Advance
• Legal Assistance & Bail
• Interpretation & Translation Services

Pre-Trip Information
• Visa, Passport, and Inoculation Requirements
• Cultural Information & Foreign Exchange Rates
• Weather Conditions & Travel Advisories
• Embassy and Consular Referrals

To download a pdf of the text above click here.

To review the Specimen Description of coverage for most states relating to the Global Adventurer Plan click here.

To purchase the Global Adventurer Plan click here.