Medical Coverage for Covid-19

• Medical
  • Medical Coverage for Covid-19

  • Included in Emergency Medical

• What is Medical Coverage for Covid-19?
  Medical Coverage for Covid-19 can reimburse the medical costs a traveler incurs in the event they unexpectedly contract Covid-19 during their trip.

• What am I covered for?
  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.