Emergency Medical

• Medical
  • Emergency Medical

  • $250,000 per person
    Secondary 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 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.

  Benefits payable as a result of incurred covered expenses will only be paid after benefits have been paid under any Other Valid and Collectible Health Insurance in effect for You. This coverage is in excess of any other health insurance You have available to You at the time of the loss. You must submit Your claim to that provider first. Any benefits You receive from Your primary or supplementary insurance providers will be deducted from Your claim with Us.

  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.

  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.

  Your duties in the event of a Loss:

  a. You must provide Us with all bills and reports for medical and/or dental expenses claimed;
  b. You must provide any requested information related to the claimed expense(s), including but not limited to, an explanation of benefits from any other applicable insurance;
  c. You must sign a patient authorization to release any information required by Us, to investigate Your claim.

  Travel Medical and Dental Expense Exclusions:

  In addition to the General Limitations and Exclusions, the following exclusions apply to the Travel Medical and Dental Expense Benefit. No benefits will be paid for any loss for, caused by, or resulting from:

  1. Any service provided by You, a Family Member, or Your Traveling Companion;
  2. Alcohol or substance abuse or treatment for the same;
  3. Experimental or Investigative treatment or procedures;
  4. Expenses incurred by any Child born during the Covered Trip;
  5. Care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection or disease;
  6. Routine physical examinations;
  7. Repair or replacement of hearing aids, any type of eye glasses, contact lenses, or sunglasses;
  8. Mental health care; or
  9. Physical therapy or occupational therapy.