So, you love to travel. Great! Then don’t forget one of the most important items to take on the trip: your travel insurance policy. The cost of travel insurance is definitely worth the peace of mind it offers in case of an illness, lost luggage or accident while you travel. As many other protection measures you will take during your trip, this is one you should not forget. When you travel, it’s better to be safe than sorry.
What is Travel Insurance?
Chances are, your regular major medical health insurance will not cover your medical expenses incurred abroad. A comprehensive travel insurance policy will provide for medical expenses while you travel, and will also offer protection for trip cancellation in certain conditions, as well as lost luggage reimbursement.
Common uses of travel insurance
• Religious Pursuits
• VISA Requirements
• Business Assignments
• Students Studying Abroad
When is the best time to get Travel Insurance?
If you travel abroad for a week or longer, you should get travel insurance. You can get a travel insurance policy as early as eight weeks before your trip. You can contact one of our experienced agents, or you can get your own quote and apply online.
What’s covered under travel insurance?
Hospital Expenses: All medically necessary expenses while hospitalized.
Physician Services: All medically necessary expenses for treatment.
Skilled Nursing Facilities: All medically necessary expenses if confinement begins following a medically necessary hospital confinement of 3 days or longer.
Home Health Care: All medically necessary expenses if hospitalization would have been required if Home Health Care was not
provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
Ambulance Services Expenses: To and from a hospital within 100 miles in the same geographic area.
Medical Evacuation: All medically necessary expenses for stabilization and transportation to the facility nearest your home, which
can provide the appropriate care up to $100,000.
Repatriation of Remains: In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary
nearest your home up to $100,000.
Prescription Drugs: Outpatient prescription medications covered up to a maximum of $500.
Emergency Return Home: If, aft er you have departed, you learn of the death of an Immediate Family Member, or you learn of the
substantial destruction of your home by fire, wind, flood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.
Accidental Death: $50,000 if accidental death occurs while riding as a passenger of a common carrier.
Follow Me Home: Provides benefits for any injury or illness which occurs while in the USA. Benefits are limited to 5 days for
every month of time outside the USA.
Common Accident Provision: In the event that you and any additional insured family members suffer injuries from the same
accident, only one deductible shall be applied.
Lost Luggage: In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a
maximum of $500, excess of any and all other valid and collectible coverages.
Trip Cancellation Benefit: If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip
must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate
Family member, or 3) the substantial destruction of your home due to fire, wind, flood, or earthquake, any unused and nonrefundable
portion of expenses shall be reimbursed up to a maximum of $1,000, excess of $100 each and every loss and excess of all other valid
Get a free quote and apply online now:
US citizens and residents traveling outside the USA: students studying abroad, executives traveling overseas, Travelers/Tourists who are seeking medical coverage, including medical evacuation, while outside the USA, missionaries, etc. USAway Online Major Medical plan – CLICK HERE
Foreign Nationals visiting or immigrating to the USA: This plan is designed for people coming to the USA for periods from 1 day to many years. International Major Medical plan – CLICK HERE
High Limit Accidental Death and Dismemberment (international travel, can include war and terrorism): requires a US address but don’t need to be US citizens. High Limit Accident plan – CLICK HERE