Emergency Medical

• Medical
  • Emergency Medical

  • $250,000 per person
    Primary coverage

• What is Emergency Medical?
  Emergency Medical insurance can reimburse the costs to treat a medical emergency during a trip.

• What am I covered for?
  EMERGENCY ACCIDENT MEDICAL EXPENSE

  The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Coverage, if You incur Covered Medical Expenses for Emergency Treatment of an Accidental Injury that occurs during the Trip.

  Emergency Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

  Covered Medical Expenses are expenses incurred for necessary services and supplies: a) listed below; and b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:

  a) the services of a Physician;

  b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services;

  c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

  d) ambulance service; and

  e) drugs, medicines and therapeutic services.

  The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

  The Company will pay benefits up to the Maximum Benefit shown on the Confirmation of Coverage for dental Emergency Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Emergency Treatment must occur during the Trip.

  If You are Hospitalized due to an Accidental Injury that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

  EMERGENCY SICKNESS MEDICAL EXPENSE

  The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Coverage, if You incur Covered Medical Expenses as a result of Emergency Treatment of a Sickness that first manifests itself during the Trip. Emergency Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Sickness.

  Covered Medical Expenses are expenses incurred for necessary services and supplies: a) listed below; and b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:

  a) the services of a Physician;

  b) charges for Hospital confinement and use of operating rooms;

  c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;

  d) ambulance service; and

  e) drugs, medicines and therapeutic services.

  The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

  If You are Hospitalized due to a Sickness that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

• Definitions
  See certificate

• Exclusions
  See certificate