As a member, you receive the following benefits
through the Travel Assistance Program when traveling more than one hundred (100)
miles from your permanent place of Residence, and the trip duration is ninety
(90) consecutive days or less if an accidental injury or sickness commences
during the course of the covered trip. The following is a summary description
only of the program’s services. If you have any questions, please call the
customer service number provided with your benefit information.
If an insured incurs an accidental injury or sickness and adequate medical
facilities are not available locally in the opinion of the assistance company
physician, the assistance company will arrange an emergency medical evacuation
(under medical supervision if necessary) by whatever means necessary to the
nearest facility capable of providing adequate care. Covered expenses include
transportation and related medical services (including cost of medical escort)
and medical supplies necessarily incurred in connection with the emergency
evacuation. All transportation arrangements made for the emergency evacuation
must be made by the most direct and economical route possible.
Medically necessary repatriation. After initial treatment and stabilization for an
accidental injury or sickness suffered by the insured, if the attending
physician deems it medically necessary, and the assistance company physician
agrees, the assistance company will arrange transport for the insured back to
his or her permanent place of residence for further medical treatment or to
recover. Covered expenses include transportation and related medical services
(including escort if necessary) and medical supplies necessarily incurred in
connection with the repatriation. All transportation cost made for repatriation
must be by the most direct and economical route possible. Emergency Evacuation
and Medically Necessary Repatriation Total combined Limit Up to USD $100,000.
Transportation of mortal remains. In the event of the death of an insured, the
assistance company will provide for the return of mortal remains. Covered
expenses are the following: locating a sending funeral home, transportation of
the body from the site of death to the sending funeral home; preparation of the
remains for either burial or cremation; transportation of the remains from the
funeral home to the airport; providing the minimum necessary casket or air tray
for transport; consular services (in case of death overseas); procuring death
certificate; transport of the remains from the airport
to the receiving funeral home. Once the insured’s body has been delivered to the
receiving funeral home, this coverage ends. Up to USD $20,000.
Transportation of Traveling Companion. In the event an insured requires emergency medical
evacuation by air ambulance or repatriation by commercial airlines provided in
this agreement, air transport of the insured spouse or other family member or
traveling companion will be provided so that person may accompany the insured in
flight, subject to space availability, giving priority to medical equipment and
medical personnel aboard and for the welfare and safety of the insured receiving
services in this agreement. All services in connection with transportation of
traveling companion must be preapproved and arranged by the assistance company.
Up to USD $5,000.
Family Visitation. When a member is traveling alone and is
hospitalized for more than seven (7) consecutive days, the Assistance company
will arrange transportation to the place of hospitalization for a chosen person
by the insured, provided repatriation is not imminent. Covered expenses
include the cost of the most direct economy round trip common carrier ticket to
the place of hospitalization. Up to USD $5,000.
Transportation of Dependent Children. When dependent children, traveling on a covered trip with the insured,
are left unattended as the result of an insured’s injury or sickness, the
assistance company will arrange to transport such minors to the domicile of a
person nominated by the insured or next of kin. Covered expenses include a one
way common carrier economy ticket by the most direct route. Attendants will be
provided if necessary. Up to USD $5,000.
Vehicle Return. In the event an insured
should suffer from a certified illness, injury or death which requires emergency
medical evacuation/medical necessary repatriation or transportation of mortal
remains and the insured is thereby unable to drive his/her vehicle, this
assistance will provide vehicle return service for ground vehicles such as cars,
trucks, vans, travel trailers or motor homes, operated by the insured, to the
insured permanent residence. This benefit will pay the cost, up to USD 1,000 for
fuel, oil, driver and tolls to affect such return. The insured will bear the
cost of any repair due to mechanical breakdown, en route, as well as cost for
food and accommodations. The vehicle must be in condition capable of being
safely operated on the highway. All services in connection with vehicle return
must be preapproved and arranged by the assistance company. All coverage’s apply
only when the insured is traveling more than 100 miles from the insured
permanent place of residence and the trip is 90 consecutive days or less.
Covered expenses are reasonable and customary expenses for necessary
transportation, related medical services and medical supplies incurred in
connection with the coverage’s listed above. All transportation arrangements
made must be by the most direct and economical routing possible. Covered expenses for transportation must be recommended by the
attending physician, required by the standard regulations of the conveyance
transporting the insured and arranged by the assistance company. Up to USD
24-hour Information Service. Should the Participant need information
before and/or during travel he/she may call the Assistance Provider 24 hours a
day to obtain help. The multilingual staff is prepared to assist and coordinate
the management of a wide variety of travel related situations. Services include
but are not limited to information on required documents, immunization
requirements, State Department Travel Advisory warnings on travel to certain
locations, weather and hazard information about foreign locations, suggested
medical exams or treatment before departure and medical care en route.
Medical Monitoring. Should the participant need to be medically monitored, the
Assistance Provider’s duty physician will monitor the case, while liaising with
the participant, the local attending physician, the family physician and the
medical director of the Assistance Provider.
Medical Referral. Should the Participant need help locating a Physician or Hospital, the Assistance Provider
will provide referrals to a local prequalified Physician and/or Hospital.
Guarantee of Medical Expenses. Should the Participant need help for overseas
medical payments the Assistance Provider will assist in the arrangement of
payment or guarantee of payment to Medical Providers. Subject to the quality of
the Participant’s confirmed personal credit.
Insurance Coordination. Should the Participant need help for overseas medical claims, the Assistance Provider will
assist him/her in coordinating the claims procedure with the Participant’s
Lost Documentation Service. Should the Participant need help
to replace lost or stolen travel documents (i.e., passport, baggage, tickets,
credit cards, etc.), the Assistance Provider will advise and assist where
possible regarding their replacement.
Legal Assistance. Should the Participant
need help arranging local attorneys, embassies and consulates, arranging bail,
or coordination of payment for legal services the Assistance Provider will
provide referrals and payments, from available resources of the Participant.
Emergency Delivery of Prescription Items. Should the Participant need
prescription medication or lenses not available locally, the Assistance Provider
will organize the delivery of the prescribed item to the Participant upon
written authorization from the prescribing physician when possible and legally
Emergency Cash Transfer and Advances. Should the Participant need
cash as a result of loss or theft, the Assistance Provider will arrange for
emergency cash transfers and advances through additional sources, including
hotels, banks, Consulates and Western Union, up to a
limit of $500 per transaction. All transactions are subject to any government
regulation and to the availability of the Participant’s confirmed personal
Language Assistance. Should the Participant need help communicating in a
foreign country, the Assistance Provider will provide telephone interpretation.
Limitations and Exclusions:
The following conditions represent coverage exclusions:
Suicide or attempted suicide;
Intentionally self-inflicted injuries;
War, invasion, acts of foreign enemies,
hostilities between nations (whether declared or not), civil war;
Participation in any military maneuver or training exercise;
Mental or emotional disorders, unless hospitalized;
Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
Commission or the attempt to commit a criminal act;
Participation as a professional in athletics;
Pregnancy and childbirth (except for complications of pregnancy);
Travel undertaken for the specific purpose of securing
medical treatment; and
Bodily Injury or Sickness which can be treated
locally and does not prevent the Insured from continuing his or her journey or
from returning home.
This Benefit is NOT Available to residents of Florida, Connecticut or New York