Included in Emergency Medical
Coronavirus Medical can reimburse the medical costs a traveler incurs in the event they contract the coronavirus during a trip. While many providers consider virus outbreaks to be foreseen after they become publicly known, certain providers do not assign a foreseen date to contracting a virus, meaning they can cover the medical costs to treat a traveler who contracts a virus while on their trip. This coverage is only available if a provider does not consider contracting a virus to be foreseen.
Included in Emergency Medical benefit. The policy certificate includes the following language:
EMERGENCY ACCIDENT AND EMERGENCY SICKNESS MEDICAL 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.
Covered Expenses for this benefit include but are not limited to:
a) the services of a Physician;
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 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.
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.