Why do I need Overseas Travel Medical Insurance?
Typically, domestic health insurance does not provide coverage for overseas medical emergencies and international travelers are unable to obtain this type of protection after they are outside of their home country.
Additionally, most traditional health insurance does not provide coverage for expenses for an emergency medical evacuation, medical reunion, return of mortal remains, trip interruption or loss of checked luggage.
Who is Eligible for Coverage?
A person that has applied for benefits, is named on the application and for whom HPA has received the appropriate plan cost, is considered eligible for benefits under this plan.
Eligible Dependents are a spouse who is legally married to you; or your unmarried child from 30 days old until his/her 19th birthday.
When does the coverage start?
Effective Date of the Term of Protection begins on the latest of the following:
- The Date HPA receives a completed Application and the appropriate Plan Cost for the Period of Protection; or
- The Effective Date requested on the Application; or
- The moment You arrive in the country noted on the Application; or
- The Date HPA approves the Application.
What are the Benefits of this plan?
Medical Benefits: Benefits will be paid for Reasonable and Customary Covered Expenses incurred by you due to an accidental Injury or Illness up to the maximum amount decided on. You chose after the Deductible and Coinsurance is satisfied, or the Expiration Date of Your Term of Protection. All bodily disorders, or bodily injuries sustained in any one Accident, existing simultaneously which are due to the same or related causes shall be considered one Disablement.
If a Disablement is due to causes which are the same or related to the cause of a prior Disablement, (including complications arising there from), the Disablement shall be considered a continuation of the prior Disablement and not a separate Disablement. The initial treatment of the Illness or Injury must occur within 30 days of the Accident or onset of the Illness.
What are some Features of the Plan?
- Emergency Medical Evacuation: $100,000
- Return of Mortal Remains: $20,000
- Emergency Medical Reunion: $10,000
- Return of Minor Children: $5,000
- Interruption of Trip: $5,000
- Unexpected recurrence of a pre-existing condition: $5,000
(for US Citizens only)
- Loss of Checked Luggage: $250
- Emergency Dental for accidents: $500
- Accidental Death and Dismemberment: $25,000 for Eligible Person; and $5,000 for each Eligible Dependent(s)
- Home country coverage:
- Incidental visits to $50,000
- 30-day extension of benefits to $5,000
TERM OF PROTECTION:
The minimum Term of Protection is 15 days and the maximum is 12 months. Benefits can be purchased in a combination of monthly and 15-day periods by paying the appropriate Plan Cost.
When does the coverage terminate?
Expiration Date of the Term of Protection terminates on the earlier of the following:
- The moment You return to Your Home Country; or
- The expiration of twelve months from the Effective Date; or
- The date shown on the Schedule provided by Murray Insurance Agency; or
- The end of the period for which the Plan Cost has been paid; or
- The date You are no longer considered an Eligible Person; or
- For foreign visitors, the Date You become a permanent resident of the United States.
Is pre-notification required?
Pre-notification (notification to HPA) is required prior to all hospital admissions and inpatient/outpatient surgeries. In case of an Emergency, Admission notification to HPA must be within 24 hours, or as soon as reasonably possible. This does not guarantee that benefits will be paid. HPA does not guarantee payment to a facility or individual for medical expenses until HPA determines that it is a Covered Expense.
Who is the Trust?
Benefits under this Plan are provided by the American Consumer Insurance Trust. The Trust is insured by U.S. Fire Insurance Company.
Notice to residents of Florida: The benefits of this Plan are provided by the American Consumer Insurance Trust. The Trust is insured by U.S. Fire Insurance Company and is governed by the law of a state other than Florida. Your homeowner’s policy, if any, may provide coverage for loss of personal effects provided by the baggage and personal effects benefits. For U.S. Residents: This insurance is not required in connection with the purchase of Your travel arrangements.
What are the Benefits, Terms and Conditions?
Only the following, which are specifically enumerated in the following list of charges and which are not excluded, shall be considered as Covered Expenses:
- Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semiprivate room and board accommodation.
- Charges made for intensive care, coronary care charges and nursing services.
- Charges made for diagnosis, treatment and surgery by a Physician.
- Charges made for an operating room.
- Charges made for outpatient treatment, same as any other treatment covered on an inpatient basis. This includes ambulatory Surgical centers, Physicians’ outpatient visits and examinations, clinic care, and surgical opinion consultations.
- Charges made for the cost and administration of anesthetics.
- Charges for medication, X-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical treatment.
- Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.
- Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or surgeon.
- Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required treatment. Such transportation shall be by licensed ground ambulance only, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
Optional Hazardous Sports Rider: If You purchase the Optional Sports Coverage, benefits will be paid up to the chosen plan maximum, if You become injured while participating in any of the following Sports: Hang gliding, parachuting, bungee jumping, snowmobiling, snorkeling, jet skiing, water skiing, snow skiing, spelunking, parasailing, and snow boarding.
Emergency Dental Treatment: Benefits are paid for Reasonable and Customary expenses up to the maximum shown on the Schedule of Benefits for repair or replacement to sound, natural teeth damaged as a result of an Accident.
Emergency Medical Evacuation and Medically Necessary Repatriation: Benefits are paid for Eligible Expenses incurred up to the maximum shown in the Schedule of Benefits, if Injury or Illness commences during the Term of Protection results in Your Medically Necessary Emergency Medical Evacuation or Repatriation. The decision for an Emergency Medical Evacuation or Repatriation must be pre-approved and arranged by the Assistance Company in consultation with Your local attending Physician.
Return of Mortal Remains: Benefits will be paid for the reasonable Covered Expenses incurred up to the maximum as stated in the Schedule of Benefits, to return Your remains to Your current Home Country, if You die. Covered Expenses include, but are not limited to, expenses for embalming, or cremation, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. All Covered Expenses in connection with a Return of Mortal Remains or cremation must be pre-approved and arranged by the Assistance Company.
Emergency Medical Reunion: When the Assistance Company and Your attending Physician determine that it is necessary and prudent for You to have an Emergency Medical Evacuation or Repatriation, this Plan will arrange to bring an individual of Your choice, from Your current Home Country, to be at Your side while You are hospitalized and then accompany You during Your return to Your current Home Country. Benefits will be paid up to $10,000 for a round trip economy air fare ticket as well as for reasonable travel and accommodation expenses up to a maximum of 10 days, as pre-approved and arranged by the Assistance Company.
Return of Minor Child(ren): Should You be traveling alone and are hospitalized because of a covered Illness or Injury and Your Minor Child(ren) is left unattended, the Assistance Company will arrange for a one way economy fare(s) to Your current Home Country. If an attendant/escort is necessary to ensure the safety and welfare of Your Minor Child(ren), the Assistance Company will also arrange these services. The Plan will pay for these services up to a maximum of $5,000 provided all transportation and services are pre-approved and arranged by the Assistance Company. Meals and lodging are Your responsibility.
Interruption of Trip: If your trip is interrupted due to one of the following reasons:
- Death of a Family Member.
- Serious damage to your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.). Benefits will be paid up to $5,000 for the cost of economy travel less the value of applied credit from an unused return travel ticket to return you home to your area of principal residence.
Loss of Checked Luggage: Benefits will be paid up to the maximum shown in the Schedule of Benefits, for loss, theft or damage to baggage and personal effects, checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. This plan is secondary to any coverage provided by a Common Carrier and all other valid and collective insurance. There will be a per article limit of $50 to a maximum of $250.
Accidental Death and Dismemberment: Benefits shall be paid up to the maximum noted on the Schedule of Benefits if You sustain an Accidental Injury. The Injury must:
a) Occur during Your Term of Protection; and
b) Occur within 365 days after the date of Accident causing such Loss.
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