BENEFITS
Benefits Summary
This page outlines the comprehensive benefits offered by our insurance policy, categorized into Medical Benefits, Trip Benefits, Special Risks, and Stuff Benefits. From covering medical emergencies to travel interruptions, natural disasters, and even personal belongings, our policy ensures peace of mind during your journeys. With detailed descriptions of each benefit, travelers can understand the extent of coverage provided, allowing them to tailor their insurance plan to their specific needs and preferences.
Medical Benefits
Hospital Room & Board.
Average semi-private room rate including nursing services.
Intensive Care Unit
Up to the overall policy limit.
Local Ambulance
Usual, reasonable and customary charges only when covered illness or injury results in hospital inpatient admission.
Urgent Care Center Co-Payment
Inside the U.S. $15 not subject to deductible. Waived with $0 deductible. Outside the U.S. $0 – no copayment.
Emergency Room Co-Payment
Inside the U.S. $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. There will be no co-payment for emergency room treatment of an injury. Outside the U.S. no co-payment.
Emergency Dental
Up to $300 – not subject to deductible.
Emergency Eye Exam
Up to $150, $50 deductible per occurrence. Plan deductible is waived.
Acute Onset of Preexisting Condition
Up to the overall maximum limit. Up to $25,000 lifetime maximum for Emergency Medical Evacuation.
Outpatient Physical Therapy & Chiropractic
Up to $50 per day. Must be ordered by a physician.
Hospital Indemnity
$100 per day of inpatient hospitalization – not subject to deductible.
All Other Eligible Medical Expenses
Up to the overall Maximum Limit.
Trip Benefits
Accidental Death & Dismemberment
(Excludes loss due to common carrier accident). Coverage varies by age as set forth in the policy’s Schedule of Benefits.
Common Carrier Accidental Death
Coverage varies by age as set forth in the policy’s Schedule of Benefits.
Trip Interruption
Up to $10,000 – not subject to deductible.
Travel Delay
Up to $100 a day after a 12-hour delay requiring an unplanned overnight stay. Subject to a maximum of 2 days. Not subject to deductible.
Lost Checked Luggage
Up to $1,000 – not subject to deductible.
Border Entry Protection
Up to $500 if traveling on a valid B2 Visa and denied entry at U.S. border – Not subject to deductible. Several conditions and limitations apply as set forth in the Policy.
Return of Minor Child
Up to $50,000, not subject to deductible, if you are hospitalized and no other traveling adult is able to care for minor children the policy provides coverage to return the children to your home country.
Special Risks Benefits
Unexpected Medical Expenses
Our GlobalShield Essentials™ plan provides a $500,000 annual benefit with a $500 deductible. However, we provide you the flexibility to increase or decrease these limits to suit your personal needs and budget.
Emergency Medical Evacuation
Air/ground transport to the nearest appropriate medical facility or your home country if you have an onset of a life or limb-threatening illness or injury that cannot be treated locally where you are at.
Natural Disaster Replacement Accommodation
Up to $250 per day for 5 days (not subject to deductible).
Political Evacuation
Up to $100,000 lifetime maximum if the U.S. State Department issues a level 3 or higher travel advisory after your arrival.
Covid and Pandemics
We cover you for Covid like we cover any other illness.
Emergency Reunion
Up to $100,000 for round-trip air/ground transportation, meals and lodging for up to 15 days for a relative to be with you if you are hospitalized as a result of an Emergency Medical Evacuation. Not subject to deductible.
Bedside Visit
Up to $1,500 for round-trip air/ground transportation if you are confined to a hospital intensive care unit due to a life-threatening illness or injury. Not subject to deductible.
Terrorism
Up to $50,000 lifetime maximum of eligible medical expenses for treatment of injuries and illnesses resulting from an Act of Terrorism in a country in which the U.S. State Department has not issued a level 3 or higher travel advisory prior to your arrival. Subject to additional conditions and limitations as set forth in the Policy.
Kidnap and Ransom
If you are the victim of a Kidnap or Express Kidnapping for which a ransom is demanded for your release, this benefit offers coverage for crisis response fees and expense, ransom, and personal belongings. Several conditions and limitations apply as set forth in the Policy. Coverage from $10,000-$100,000. For higher limits contact us.
Repatriation of Remains
Up to the overall Maximum Limit. Not subject to deductible or coinsurance.
Local Burial or Cremation
Up to $5,000. Not subject to deductible.
Border Entry Protection
Up to $500 if traveling on a valid B2 Visa and denied entry at U.S. border – Not subject to deductible. Several conditions and limitations apply as set forth in the Policy.
Stuff Benefits
Lost Checked Luggage
Up to $1,000 – not subject to deductible.
Lost/Stolen Passport or Visa
Up to $100 – Not subject to deductible.
Personal Liability
Up to $25,000 lifetime maximum and up to $75,000 with additional rider for a total of $100,000. Not subject to deductible or overall maximum limit.
Return of Pet
Up to $1,500, not subject to deductible, if you are hospitalized and no other traveling adult is able to care for the pet.