TRAVMED GLOBAL For traveling outside the home country other than USA

Your Identification Card will indicate which coverages you have purchased.

The company will pay up to the benefit limit (in excess of the deductible you selected) for those medical expenses incurred outside the USA during the Period of Insurance which are the direct result of a each covered injury or Sickness which first manifests itself during the Period of Insurance. Covered expenses include, but are not limited to, the necessary medical or surgical treatment, services and supplies, hospital services, local ambulance, prescriptions, x-rays, laboratory fees and visits to a physician’s office.

Benefit limits for downhill (alpine) skiing and scuba diving (certification by PADI or NAUI required) are $10,000.

If a covered injury or Sickness occurs during the Period of Insurance and requires a medical evacuation; upon the recommendation of the attending Physician and MEDEX Physician Advisor, authorization from the MEDEX Medical Director and the concurrence of the Insured Person; the Company may: (a) medically evacuate the Insured Person to a more suitable medical facility; or (b) after five or more consecutive days of hospitalization, evacuate the Insured Person to their home, or an appropriate medical facility near their home. Medical evacuation to the Insured Person’s home or nearby medical facility will terminate all benefits under this policy.

All medical evacuations must be approved (in advance) and coordinated by MEDEX Corporation.

If a Covered Injury or Sickness results in the loss of life during the Period of Insurance, the Company will pay the expenses for the preparation and transportation of the body to the Insured Person’s home.

All repatriations of remains must be approved and managed by MEDEX.

The company will pay up to $200 for the immediate relief of dental pain; or up to $200 per tooth (subject to a $1,000 maximum for dental treatment resulting from a covered accident.

The principal sum benefit is $25,000.

If a Covered Injury occurs to you during the Period of Insurance, which is independent of all other causes and results in one of the following losses within 180 days of the Covered Injury, the Company will pay the sum indicated below:

Coverage for Medical Expense Benefits and Accidental Death & Dismemberment Benefit starts; (a) at 12:01 a.m. local time on the departure date requested by you on the application; (b) when your application and premium are received by the Administrator; or (c) when you board a conveyance at the actual start of the planned trip, whichever occurs later. The Period of Insurance ends: (a) when you alight from a conveyance at the completion of your trip; or (b) at 11:59 p.m. local time on the last day of coverage specified on your application, whichever occurs earlier.

The Company will pay you up to the benefit limit selected on the application for the loss of unrecoverable deposits or charges paid in advance, due to the necessary cancellation of the entire trip prior to the scheduled departure; provided that the Covered Injury, Sickness or death giving rise to the cancellation begins within the Period of Insurance.

The company will pay you up to the benefit limit selected on the application for either; (a) any additional reasonable transportation and/or lodging expenses for the emergency return trip home; or (b) the balance of unrecoverable trip costs; whichever is lesser, provided that the Covered Injury, Sickness or death giving rise to the curtailment occurs after your trip commenced and prior to the termination of the coverage as specified on the application.

Trip Cancellation and Curtailment Benefits may also be applicable if a Covered Injury, Sickness or death are sustained by the insured Person’s traveling companion (named on the application), immediate family (spouse, children, mother, father, sister, brother) and immediate family in-laws. See Exclusion A.

Coverage for the Trip Cancellation and Curtailment Benefits begins at 12:01 a.m. local time 30 days prior to your scheduled departure, but no sooner than the date your application and premium are received by the Administrator. Coverage ends at; (a) the completion of your trip; or (b) 11:59 p.m. local time on the last day of coverage specified on your application, whichever occurs earlier.