Emergency Medical

• Medical
  • Emergency Medical

  • $100,000 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?
  TRAVEL MEDICAL AND DENTAL EXPENSE

  We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits, subject to the Deductible, if You incur necessary Covered Expenses while on Your Covered Trip and as a result of an Accidental Injury or Emergency Sickness that first manifests itself during the Covered Trip and the initial documented treatment is given by a Physician during this Trip.

  This coverage is considered Primary up to the amount listed in the Schedule of Benefits.

  Covered Expenses for this benefit include but are not limited to:

  a) The services of a Physician or registered nurse (R.N), and related test or treatment;

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

  c) Hospital or ambulatory medical-surgical center services (this may also include expenses for a cruise ship cabin or Hotel/Motel room, not already included in the cost of Your Covered Trip, if recommended as a substitute for a Hospital room for recovery from an Emergency Sickness);

  d) Charges for anesthetics (including administration);

  e) X-ray examinations or treatments, and laboratory tests;

  f) Ambulance service;

  g) Drugs, medicines, prosthetics and therapeutic services and supplies; and

  h) Emergency dental treatment for the relief of pain.

  We will pay benefits, up to the amount shown on the Schedule of Benefits, for emergency dental treatment for Accidental Injury to natural teeth while on Your Trip.

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

  We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital during the Covered Trip because of Accidental Injury or Emergency Sickness.

  Advance Payment:
  If You require admission to a Hospital during a Covered Trip for an Injury or Sickness, We or Our designated representative will arrange advance payment, if required by the Hospital, directly to the Hospital.Hospital confinement must be certified as Medically Necessary by the onsite attending Physician.

  This amount will be deducted from the Travel Medical Expense benefit limit shown in the Schedule of Benefits. You agree to reimburse this payment to Us if:
  a. You do not complete the claims process as outlined in the Payment of Claims section; or
  b. It is determined that Your Travel Medical Expense claim is not covered.

  We will provide advance payment when required and requested by You. However:
  a. We reserve the right to deny a request for advance payment if We confirm that Your claim is not covered under the Policy; and
  b. An advance payment made by Us is not a guarantee of claim approval.

  Benefits for Advance Payment will not duplicate any other benefits payable under the Policy.

  Dental Covered Expenses
  If You suffer an Injury or a Sickness that requires emergency dental treatment by a Dentist, We will reimburse You, up to the amount shown in the Schedule of Benefits, for the following emergency dental expenses:
  a) Services and supplies for the relief of dental pain; and
  b) The repair or replacement of teeth or dental implants.

  Coverage for emergency dental treatment does not apply if treatment or expenses are incurred after You have reached Your Return Destination, regardless of the reason.