| Emergency Medical Evacuation | Up To $100,000 |
| The plan includes coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable travel and accommodation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred up to $100,000. 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. |
| Emergency Reunion | Up To $15,000 |
| The plan provides emergency reunion coverage, up to $15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured. |
| Return of Mortal Remains | Up To $20,000 |
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $20,000.
To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG. |
| Accidental Death and Dismemberment | Up To to $100,000 |
In the event of the accidental death of an insured, the plan will pay $100,000 to the insured's estate or designated beneficiary provided that the death was not the result of a pre-existing condition. In the event of dismemberment suffered by an insured, the plan will pay as specified below:
| Loss | Benefit | | Sight of one eye | $50,000 | | One hand or one foot | $50,000 | | One hand and the loss of sight in one eye | $100,000 | | One foot and the loss of sight of one eye | $100,000 | | One hand and one foot | $100,000 | | Both hands or both feet | $100,000 | | Sight of both eyes | $100,000 | |
| Trip Interruption | Up To $5,000 |
| If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling), a break-in at the insured’s principle residence, or the substantial destruction of the insured’s principal residence due to a fire or natural disaster, the plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket. |
| Lost Luggage | Up To $50 per item; maximum of $250 per Period of Coverage |
| This benefit will be paid in the event that the Common Carrier permanently loses an insured person’s checked luggage. This coverage is secondary to any other available coverage, including the Carrier’s. |
| Returning Minor Children | Up To $5,000 when coordinated through the Plan Administrator |
| If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the plan will pay up to $5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). |
| Political Evacuation | Up To $10,000 when coordinated through the Plan Administrator |
If the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person’s date of arrival in the Host Country, the Company will pay up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person’s home country or country of residence provided that:
- The Insured Person contacts the Company within 10 days of the United States Department of State, Bureau of Consular Affairs, or similar government organization of the Insured Person’s Home Country, issuance of the evacuation order; and
- The evacuation order pertains to persons from the same Home Country as the Insured Person; and
- Political Evacuation and Repatriation is approved and coordinated by the Company; In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
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| Personal Liability Coverage | As Described Below |
| Injury to a Third Person: | Up to $2,000 after a $100 special deductible | | Damage to a Third Person''s Property: | Up to $500 after a $100 special deductible | |