Global Insurance Benefits

Travel Center

Travel Center

Protection For All Of Your Travel Needs

(also known as International Medical Insurance)

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country.

· Maximum coverage levels can be substantial enough (up to US$2 million) to cover major medical expenses such as emergency surgery and extended hospital stays.

· The "American-style" of international medical insurance coverage requires you to pay the specified deductible (excess in the UK) and co-insurance also known as co-pay before the insurer pays any expenses.

· Plans often require pre-certification by the insurer prior to hospital admission abroad.

· When hospitalization is necessary, many insurers provide a guarantee of hospital admission, and some insurers provide direct payments to hospitals

· When hospitalization is not necessary, most insurers require a claim form to be submitted for reimbursement of covered expenses for basic treatment by a physician and outpatient medical services.

Plans usually include coverage for emergency medical evacuation, reunion, repatriation of remains, accidental death and dismemberment (AD&D), and various other 24/7 travel assistance services.


Emergency Evacuation

Not all medical facilities were created equal. Depending on the plan, Emergency Medical Evacuation insurance covers the cost of transporting a seriously injured or ill person to one of the following locations:

· The nearest adequate medical facility

· A hospital near home

· Or the hospital of his/her choice

Emergency Medical Evacuation insurance is usually included with both Travel Medical insurance and Trip Protection plans.