Visitors Medical Insurance & Travel Insurance

VISITORS INSURANCE™

Patriot Group Exchange Program

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PLAN INFORMATION & HIGHLIGHTS - Standard Short-Term Travel Plan
Plan Maximum	Choice of $50,000, $250,000 or $500,000 per illness or injury with a Lifetime Maximum of $5,000,000
Coinsurance	No coinsurance
Deductible	$100 per Illness or Injury
Treatment Period	60 days per chronic illness
MyIMG^SM	24 hour secure access from anywhere in the world to manage your account at anytime
International Emergency Care	A wide range of international emergency benefits available including emergency evacuation, emergency reunion, and return of mortal remains
Dependent Coverage	Coverage provided for dependents of faculty, scholars, students and exchange participants
Optional Add-on Plan	Additional coverage is available for high school sports, personal liability and legal assistance
Pre-existing Conditions	Available to U.S. and non-U.S. citizens - see Additional Benefits for more information

MEDICAL BENEFITS

*Usual, Reasonable and Customary (URC) charges for eligible expenses in the area where you receive treatment.

Hospital Room and Board

Up to semi-private room rate

Hospital Intensive Care

URC*

Physical Therapy

URC* - 1 visit per day

Physician Visit

URC*

Student Health Center

$5 co-pay per visit

Prescription Drugs

URC*

Eligible Medical Expenses

URC*

Emergency Room

URC*

Emergency Room Illness with In-patient Admission

URC*

Emergency Room Illness without In-patient Admission

Additional $250 deductible

Dental

INTERNATIONAL EMERGENCY CARE	When coordinated through the Plan Administrator
Emergency Medical Evacuation	$50,000 Lifetime Maximum
Each plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to $50,000.
Emergency Reunion	$15,000 Lifetime Maximum
Each plan also provides emergency reunion coverage, up to $5,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.
Return of Mortal Remains	$25,000
If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $25,000.
Political Evacuation	Up to $10,000
If the United States Department of State, Bureau of Consular Affairs, or similar government agency of the Insured Person�s Home Country, orders the evacuation of all non-emergency government personnel from the Host Country, due to political unrest, that becomes effective on or after the Insured Person�s date of arrival in the Host Country, the Company will pay up to a $10,000 lifetime maximum for transportation to the nearest place of safety or for repatriation to the Insured Person�s home country or country of residence provided that: The Insured Person contacts the Company within 10 days of the issuance of the evacuation order by the United States Department of State, Bureau of Consular Affairs, or similar government agency of the Insured Person�s Home Country; and The evacuation order pertains to persons from the same Home Country as the Insured Person; and Political Evacuation and Repatriation is approved and coordinated by the Company. In no event will the Company pay for a Political Evacuation if there is a Travel Warning in effect on or within six (6) months prior to the Insured Person�s date of arrival in the Host Country.

ADDITIONAL BENEFITS

Accidental Death

$25,000

Dismemberment

$25,000 two limbs;
$12,500 one limb

Terrorism Coverage

Up to $50,000 Lifetime Maximum

Sudden Recurrence of a Pre-existing Condition (U.S. citizens)

Pre-existing Conditions (For U.S. citizens, this benefit will begin when the Sudden Recurrence benefit is exhausted)

$500 per year; $50,000 lifetime maximum - after 12 months of continuous coverage

Incidental Home Country Coverage

Up to a cumulative two weeks

OPTIONAL ADD-ON PLAN

Baggage

Legal Assistance

Personal Liability

Damage to third person property

$500 limit after $100 deductible. Secondary to any other insurance in force

Limited High School Sports Coverage

URC*

Other Popular Travel/Visitor Plans
Pre-Existing Condition plans - Visiting USA
www.travelhealthquote.us
www.visitorscareusa.com
www.visitorsmedicalprotection.com