Editor Review
The Good: Complete major medical coverage for medical and dental care, evacuations, repatriation, and more for travelers living, working, or visiting away from home for extended periods of time.
The Drawbacks: Base coverage is only in effect when traveling outside your home country. Benefits are severely limited for treatment inside the U.S., Canada, Bermuda, and the Caribbean.
The Bottom Line: This is high-limit worldwide major medical ideal for healthy travelers leaving their home country for leisure or work.
Coverage
| Benefits | Maximum |
| Medical expenses | $1,000,000 ($100 deductible) |
| Emergency dental | $500 ($5,000 maximum) |
| Emergency evacuations | Up to plan limit |
| Repatriation | Up to plan limit |
| AD&D | $25,000 |
| 24/7 assistance services | Yes |
Plan Details
This plan is unique in that it provides the following:
- Uniquely high evacuation and repatriation limits.
- Includes maternity and prescription medicine benefits.
- Travel assistance services include pre-trip information, transfer of funds, facilitation of hospital payments, translation services, and more.
- Home country return benefit of $100,000 for incidental trips back home.
- Travel assistance services include pre-trip information, transfer of funds, facilitation of hospital payments, translation services, and more.
Optional Coverage
The following optional coverage is available when you purchase this plan:
- Additional AD&D for $100,000 in term life and dismemberment benefits.
Limitations
The following are the limitations on this plan’s coverage:
- No coverage for pre-existing medical conditions and the look-back period is a full 12 months.
- AD&D limit is relatively low when compared to other plans.
- Coinsurance of 80% applies to non hospitalization claims inside the U.S., Canada, Bermuda, and the Caribbean.
- Relatively high deductible amount when compared to other plans.
- Maternity benefit limited to $25,000 and reduced even further for medical treatment inside the U.S.
- Not all plan levels are available to citizens of all areas.
- Coverage limits are determined by geographic area with limited coverage for most benefits for expenses incurred in the U.S., Canada, Bermuda, and the Caribbean.