What benefits are included in the annual travel medical iTravelInsured program?
The Annual Travel Medical Protection program provides the following benefits:
- Emergency Medical/Dental Expense
- Emergency Medical Evacuation/Repatriation
- Emergency Reunion or Return of Mortal Remains
As a benefit of membership in the National Small Business Travel & Health Association (NSBTHA), certain emergency assistance services (these are not insurance benefits) are also available while on a covered trip such as:
- Emergency Travel Arrangements
- Lost Passport/Travel Documents Assistance
- Lost Luggage Assistance
- Embassy or Consulate Referral
- Emergency Message Relay
- Emergency Prescription Replacement
- Medical Referral
- 24-Hour Medical Monitoring
- Emergency Cash Transfer
- Legal Referrals
- Emergency Translations
When does insurance coverage begin?
Upon our acceptance of the insured’s application and payment of the full premium, coverage begins on the scheduled date the insured begins the covered trip.
When does coverage end?
Coverage ends the earliest of:
- Arrival at the place to which the insured is scheduled to return from a covered trip;
- The date the insured is scheduled to arrive at the place to which the insured is scheduled to return from a covered trip;
- The 30th consecutive day after the date the insured is scheduled to begin the covered trip; or
What is a “covered trip”?
A “covered trip” means any travel and sojourn to a scheduled destination that is more than 120 miles from the starting point and not exceeding 30 consecutive days. The number of cities or countries visited during any trip is irrelevant.
What if a trip is longer than 30 days?
The insured would have coverage for the first 30 consecutive days of a trip in which travel and sojourn is to a scheduled destination more than 120 miles from the starting point. Coverage would end at 12:01 a.m. on the 31st day of the insured’s trip.
Can I buy travel insurance after an incident has occurred?
Only incidents that occur after your policy is in effect are considered. Insurance does not cover events that are no longer unexpected or unforeseen. If you were to purchase an iTravelInsured program after learning that a family member is sick, and this event causes you to cancel your trip, no trip cancellation benefits would be payable under the terms of the policy.
Do I have to travel abroad to be covered?
You do not have to leave your country or cross international boundaries; simply travel to a destination at least 120 miles from the starting point for which you have purchased: (i) a ticket on board a common carrier, or (ii) a hotel room, or (iii) a ticket for admission to any event.
Are pre-existing medical conditions excluded from coverage?
Benefits for emergency illness, injury or death that is a result of a pre-existing condition will be covered if:
- The insured is medically able to travel on the date coverage is purchased;
- An injury or illness has not manifested itself during the 60 days immediately before the purchase of the iTravelInsured program; and
- The condition has been controlled through the taking of prescription drugs or medication and remains controlled throughout the 60 day period immediately before the purchase of the program.
Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and note all state exceptions.
What is covered by Emergency Medical / Dental Expense benefit?
If an insured sustains an emergency illness or injury during a covered trip and receives initial treatment during the trip, this benefit reimburses any covered, necessary and reasonable expenses for medical surgical and emergency dental treatment incurred during the covered trip and not covered by any other coverage. There is no deductible under this benefit.
There are some limits and exclusions for certain types of expenses, medical services or medical conditions or illnesses. Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and not all state exceptions that may apply.
What does Emergency Medical Evacuation / Repatriation benefit cover?
This benefit covers authorized medical evacuations to the nearest, appropriate hospital from where the insured became ill or injured providing there is no qualified facility or doctor available at the place of emergency illness or injury. This benefit also covers medical repatriation when the attending doctor and our doctor agree that the insured would be medically better off by transferring to another medical facility closer to home. Should an insured die on a trip, this benefit also pays to bring the remains home.
Complete details of coverage terms, limitations and exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and not all state exceptions that may apply.
What is considered an accident?
An accident means an unexpected and unforeseen event, including a terrorist incident.
Are there any coverage exclusions?
There is no coverage for illness, injury or loss caused by or as a result of:
- War or an act of war.
- Operating, learning to operate, piloting or riding in any aircraft or flying device other than other than riding as a passenger in a licensed commercial aircraft.
- Serving in one of the armed forces of any country or international authority.
- Suicide or intentionally self-inflicted injury or illness.
- Being under the influence of any intoxicant, drug or narcotic unless prescribed by a physician.
- Emotional, psychological, mental or nervous disorders.
- Parachuting, hang gliding, parasailing, hot air ballooning, scuba diving below 135 feet or without proper dive training and certification from a professional organization, rock or mountain climbing, or hunting.
- Dental treatment due to normal maintenance or wear and tear.
- Taking part in any scheduled athletic event or competition.
- Traveling against the advice of a physician, traveling while on a waiting list for inpatient hospital or clinic treatment, or traveling for the purpose of obtaining medical treatment.
- Pregnancy or childbirth when you are expected to give birth within two months from the date of a covered trip.
- Elective abortion
- Any fatal condition which was diagnosed before coverage became effective or any condition for which you are traveling to see treatment.
Coverage exclusions may vary by state. Complete details of coverage exclusions that may affect benefits payable are summarized in the certificate. Please read the certificate carefully and note all exclusions and state exceptions that may apply.
I am abroad and I have lost my passport, what do I do?
Contact our 24/7 Emergency Assistance number and advise them what happened. They will assist you in contacting the nearest U.S. Embassy or Consulate to assist you in obtaining a new passport so that you can continue your travel.
How can a traveler get assistance while on a trip?
If a traveler needs help with any travel emergency (from a lost passport to the need for medical care) please call one of the following numbers as soon as possible:
1 (866) 243-7524
01-317-655-9798 from outside North America.
Travel assistance is available to travelers 24 hours a day, every day of the year, wherever they are in the world.