Benefits Summary

Medical

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

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

Unexpected Medical Expenses.Our GlobalShield EssentialsTMplan 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 t 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

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.