Review of Worldwide Health International from Travel Guard

Editor Review

The Good: Worldwide travel medical coverage for U.S. citizens and non U.S. citizens whose travel is outside the U.S. (except for incidental home country trips). While this is exclusively a travel medical plan, focused on coverage for emergency medical treatment and evacuations (non medical evacuations as well), it also includes two package-like benefits: trip interruption and lost luggage. Optional hazardous sports upgrade available for adventure and sports enthusiasts.

The Drawbacks: For the average consumer, it can be hard to know how much coverage you’ll need and which coverage limits to choose from the range of limits available.

The Bottom Line: This plan is strong travel medical coverage for emergency illnesses and injuries that occur while traveling outside the U.S. from a travel insurance industry leader. The plan is available in a range of coverage limits, allowing you a good level of choice depending on your travel medical needs. Coverage extends to multiple trips up to one year.

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Coverage

Benefits	Maximum
Medical expenses	$50,000-$1,000,000 * deductibles apply)
Emergency dental	$100
Emergency evacuations	$500,000
Repatriation	Limit chosen at enrollment
Flight accident AD&D	$50,000 *
24/7 assistance services	Yes

* Amounts shown are for adults (18-69); plan limits vary for children 17 and under and for adults 70 and older.

Plan Details

This plan is unique in that it provides the following:

Designed for trips up to one year with medical coverage and selectable deductible amounts.
Medical coverage extends to medical care due to acts of terrorism (up to $50,000).
Political evacuations covered up to $10,000 (lifetime limit).
Includes $25,000 24-hour AD&D.
Evacuation coverage includes emergency medical reunion costs and return of minor children.
Plan includes $5,000 in felonious assault AD&D benefits (cannot be combined with other benefits).
Plan includes $250 for lost checked luggage and $5,000 trip interruption coverage.
Natural disaster benefits up to $100 per day (5 days maximum) if the insured is displaced from pre-paid accommodations due to mandatory evacuations.
Incidental home country coverage for trips up to 15 days long per three months of coverage.

Optional Coverage

The following optional coverage is available when you purchase this plan:

Optional hazardous activities coverage for skiing, mountain climbing, whitewater rafting, athletic sports, and more.

Limitations

The following are the limitations on this plan’s coverage:

Plan includes reduced limits for medical care and medical evacuations due to pre-existing conditions.
Plan includes a 50% pre-certification penalty if Travel Guard is not informed prior to (or as soon as reasonably possible) to the insured receiving medical treatment.