Affordability: Higher premiums dont always mean more or better coverage. ACCIDENT & SICKNESS a) the services of a Physician; Maximum Benefit $250,000 These policies do not provide coverage for routine. Coronavirus disease (COVID-19) and Severe Acute Respiratory Syndrome coronavirus 2 (SARS-CoV-2) are not subject to the above exception and are covered as any other Injury or Illness. EMERGENCY ACCIDENT AND EMERGENCY SICKNESS MEDICAL EXPENSE. Emergency Condition means an Injury or Sickness diagnosed by a Physician for which You have sudden and unexpected severe or acute symptoms requiring immediate care and the failure to obtain such care could reasonably result in serious deterioration of Your condition or place Your life in jeopardy. Emergency Medical coverage is strongly recommended to travelers visiting a country where their primary health insurance does not apply. d) ambulance service; and Hospital or ambulatory medical-surgical center services, including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended by Your attending Physician and approved by Us or Our designated Travel Assistance Services Provider as a substitute for a hospital room for recovery from Your Injury or Sickness; 3. emergency dental treatment incurred during Your Trip due to an Accidental Injury to sound natural teeth. For any eligible condition not excluded under this Certificate including for Mental, Emotional or Functional Nervous Conditions or Disorders, and Substance Abuse, the Insurer will pay indicated benefits on Covered Expenses for: 1. Some policies offer benefits that are designed for active and adventurous travelers who participate in a wide array of sports and activities during their trips. Only expenses for emergency dental treatment to natural teeth incurred during Your Trip will be reimbursed. 12. The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip. Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure on an outpatient basis. Rental or purchase of Durable Medical Equipment and/or supplies that are all of the following: b) of no further use when medical need ends; d) not primarily for the Covered Persons comfort or hygiene; g) manufactured specifically for medical use. Ambulance Service Benefits are provided for medically necessary emergency ground or air ambulance transportation as required from the emergency site to the nearest Hospital able to provide the required level of care. Benefits are payable for dental care for Relief of Pain to the teeth that occurs while the Covered Person is covered under this Certificate of Coverage. Hospital or ambulatory medical-surgical center services (including expenses for a cruise ship cabin or hotel room, not already included in the cost of the Your Trip, if recommended as a substitute for a hospital room for recovery from a Covered Accidental Injury or covered Sickness); 3. Purchasing an insurance policy with the Emergency Medical benefit can save individuals thousands of dollars in unexpected healthcare costs while traveling abroad, and is sometimes required when visiting certain countries. Coverage for emergency dental treatment does not apply if treatment or expenses are incurred after you have reached your return destination, regardless of the reason. We or Our Assistance Provider will pay on the Insureds behalf or reimburse up to the Hospital Admission Guarantee Charge or Medical Expense Guarantee Charge Benefit, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule, for actual expenses incurred for guarantee of payment to the Hospital or the medical provider. Emergency dental treatment necessary to resolve acute onset of pain, provided that initial treatment is obtained within seventy-two (72) hours of the acute onset of pain. We reserve the right to deny a request for advance payment if we confirm that your claim is not covered under the policy; and. e) drugs, medicines and therapeutic services. What is the difference between Emergency Medical and Medical Evacuation? Other than in an emergency, licensed air ambulance transportation may be substituted for a ground ambulance if You are in a rural area and unreachable by ground ambulance. Both Emergency Medical and Medical Evacuation are typically included as benefits in most comprehensive policies. Base charge, mileage and non-reusable supplies of a licensed ambulance company for ground or air service for transportation to and from a Hospital. We will pay the Insured an Emergency Medical Expense Benefit, for the Covered Expenses described below in this Emergency Medical Expense Benefit section, up to the corresponding Maximum Covered Amount per Insured shown in the Schedule for the following Covered Expenses incurred by the Insured, subject to the following: (i) Covered Expenses will only be payable at the Usual and Customary level of payment; (ii) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or a Covered Injury that occurs while on a Covered Trip; (iii) the Insured must first receive treatment by a Physician, in person during his/her Covered Trip; and (iv) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any In Force Policy in effect for the Insured or in accordance with a Coordination of Benefits provision in jurisdictions where excess coverage provisions are not permitted. Services of an anesthesiologist or an anesthetist. Injury or illness resulting from participation in sports or athletic activities not otherwise excluded under this insurance. $50,000 per person sickness Search & Compare Travel Insurance Policies. Hospital or ambulatory medical-surgical center services, including expenses for a cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended by Your attending Physician and approved by Us or Our designated Travel Assistance Services Provider as a substitute for a hospital room for recovery from Your Injury or Sickness; 1-800-240-0369 Excess Insurance: Insurance provided by this Policy shall be in excess of all Other Insurance (except for Emergency Accident and Sickness Medical Expense). c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests; - local ambulance services to or from a Hospital; Reconstructive surgery when the reconstructive surgery is directly related to a surgery which is covered hereunder. Additionally, coverage shall also be provided for chiropractic care delivered by a currently licensed chiropractor acting within the scope of his or her practice. Covered expenses under the Emergency Medical benefit typically include ambulance services, hospital and doctor bills, emergency dental services, and x-rays or lab costs. The Company will reimburse You up to the amount set forth in the Schedule of Benefits for Covered Expenses exceeding the Deductible and Coinsurance for emergency Treatment to repair or replace Sound Natural Teeth damaged as the result of an Accidental Injury caused by external contact with a foreign object. Secondary coverage will pay a claim after a traveler has filed with their primary health insurance provider. Diagnostic testing using radiology, ultrasonographic or laboratory services (psychometric, intelligence, behavioral and educational testing are not included). She was able to answer questions and even input and give suggestions tailored to my specific needs. Most policies with Medical Evacuation coverage will transport a traveler to the nearest adequate medical facility. Pre-existing medical conditions will be covered if the Preexisting Medical Condition Waiver is in effect. Inside the United States: $10,000, Outside the United States: Up to Medical Maximum. Tin Leg Travel Insurance Review 2023 - Forbes Advisor AXA Assistance USA Travel Insurance Review 2023 - Forbes All charges in excess of the allowable semiprivate rate are the responsibility of the Covered Person. Travel Partners - Squaremouth b. A list of those countries can be found in our Destination Center. Our multi-award-winning customer service team is available daily to help you identify the right plan with the coverage you need. Covered Medical Expenses are limited to the list below: b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services; c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests; e) drugs, medicines and therapeutic services. a. Cruise insurance provides comprehensive coverage for the duration of a cruise trip. Squaremouth has an overall rating of 4.7 out of 5, based on over 56 reviews left anonymously by employees. Contact our award-winning customer service team. Secondary coverage. For travelers going on a cruise or traveling to remote destinations, Squaremouth recommends $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation coverage due to the potential for high medical costs while traveling. Squaremouth - Facebook This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition . Please see Primary Insurance under the GENERAL PROVISIONS section for details. Dental Expenses incurred after You return from Your Trip are not covered; 3. benefits payable as a result of incurred Emergency Dental Expenses will only be paid after benefits have been paid under any other valid and collectible insurance in effect for You or in accordance with a provision in jurisdictions where excess coverage provisions are not permitted. Local ambulance services to and/or from a Hospital; and We will not cover any expenses provided by another party at no cost to You or already included within the cost of Your Trip. Please enter the last day of your trip. This benefit covers the same things as Trip Cancellation, but applies to travelers after their trip has already begun. Services and supplies for the relief of dental pain; and We will provide advance payment when required and requested by you. A great travel insurance plan offers much more beyond trip protection. b) only Medical Expenses incurred by You during Your Trip will be reimbursed. b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services; This will also include expenses for a Cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury or a Sickness. Medical Expenses means the reasonable and necessary expenses incurred only for the following: (1) Medical services (including charges for anesthetics, x-ray examinations or treatments, and laboratory tests) and supplies, prosthetics, prescription drugs, and therapeutic services ordered or prescribed by a Physician as Medically Necessary for examination and treatment; (2) Hospital or ambulatory medical-surgical center services (including expenses for cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended by Your attending Physician and approved by Our Plan Assistance Provider as a substitute for a hospital room for recovery from Your Injury or Sickness); or, (3) Local Transportation Expense to and/or from a Hospital; or. 6. The Company will reimburse You for Medically Necessary covered expenses incurred to treat such Injury or Sickness during the course of the Trip provided the initial documented treatment was received from a Physician during the Trip. INSURANCE COVERAGE SCHEDULE OF BENEFITS Coverage Maximum Limit Per Person Maximum Limit Per Plan Trip Cancellation 100% of Trip Cost Insured Trip Interruption 125% of Trip Cost Insured Missed Connection $500 $5,000 Travel Delay ($150 Per Person Daily Limit Applies) $1,000 $10,000 Baggage Coverage $1,000 $10,000 Baggage Delay $200 $2,000 . The first covered expenses must be incurred within 90 days after the date of the Covered Accident or Sickness. e) drugs, medicines and therapeutic services. h) emergency dental treatment for the relief of pain. b. only Medical Expenses incurred by You during Your Trip will be reimbursed. Any benefits You receive from Your primary or supplementary insurance providers will be deducted from Your claim with Us. 2023 Squaremouth Inc. All rights reserved. Medical Expenses to be considered are only those incurred by You during Your Trip. Hospital confinement must be certified as Medically Necessary by the onsite attending Physician. Visits with ICD10 Codes not listed here are not considered Well Doctor Visits and are not covered as such but may be covered under another Policy benefit. PDF Description of Coverage Travelers taking a cruise or visiting a remote destination should look for a policy with at least $100,000 in medical coverage. Hospital Emergency Room Visits: Emergency Room Visit for an Illness with no direct Hospital Admittance will be subject to an additional Deductible as outlined in the schedule of benefits. 2. The company provides a high level of customer . 1. Hospital confinement must be certified as medically necessary by the onsite attending physician. Services of a physician or registered nurse (R.N. e. Care or treatment which is not medically necessary, except for related reconstructive surgery resulting from trauma, infection or disease; We will pay Reasonable and Customary Charges up to the maximum limit shown on the Schedule of Benefits if You incur necessary Covered Expenses while on Your Covered Trip and as a result of an Accidental Injury or Emergency Sickness that first manifests itself during the Covered Trip and the initial documented treatment is given by a Physician during this Trip. The Company will reimburse You for Medically Necessary covered expenses incurred to treat such Injury or Sickness during the course of the Trip provided the initial documented treatment was received from a Physician during the Trip. Typically, these policies will include the Emergency Medical benefit to cover the costs of treatment while traveling, and the Medical Evacuation benefit in the event of an emergency that requires an immediate evacuation. 5. artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices; Repair or replacement of hearing aids, any type of eye glasses, contact lenses, or sunglasses; Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of 90 days or less for Sickness). Covered Expenses for this benefit include but are not limited to: The medical services, prescription drugs, prosthetics, and therapeutic services and supplies ordered or prescribed by a Legally Qualified Physician as Medically Necessary for treatment; 2. 1-800-240-0369 Charges for an assistant surgeon are covered up to 20% of the usual, reasonable and customary charge of the primary surgeon, but standby availability will not be deemed to be a professional service and therefore is not covered hereunder. Medical Expenses incurred after You return from Your Trip are not covered. These additional benefits include coverage for trip delays, luggage, accidental death, and adventurous activities, among others. If, at the time of the occurrence of any other loss, there is Other Insurance in place, We shall be liable only for the excess of any amount paid or payable under Other Insurance. Call us! You must provide any requested information related to the claimed expense(s), including but not limited to, an explanation of benefits from any other applicable insurance; Emergency Medical travel insurance covers the cost of treating an unexpected illness or injury that occurs while traveling. This does not include personal services of a non-medical nature. Expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury during a Trip; and. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices. ACCIDENT SICKNESS MEDICAL EXPENSE BENEFIT. Subject to SECTION II EFFECTIVE AND TERMINATION DATES OF INSURANCE, A. Primary coverage will pay a claim first, regardless of any other health insurance a traveler may have. The Company will reimburse for Reasonable and Customary Charges, up to the Maximum Limit shown in the Schedule, if the Insured suffers an Injury or Sickness that requires them to be treated by a Physician. A Guide To Travel Insurance: Everything You Need To Know - CNBC ); Local ambulance services to and/or from a Hospital; and. $250,000/$1 million Table of Contents AXA Assistance USA's Travel Insurance Plans Optional Add-Ons Cost of AXA Assistance Travel Insurance Plans Does AXA Assistance USA Have 24/7 Travel. Artificial limbs, artificial eyes, artificial teeth, or other prosthetic devices. services of a Physician or registered nurse (R.N. Services of a clinical psychologist must be rendered in the providers office or in the outpatient department of a Hospital. The Insureds duties in the event of a Dental Expense: (1) The Insured must provide Us with all bills and reports for dental expenses claimed. Adding to that total by buying trip insurance may not sound great, but it can help travelers save a lot of money. We will advance payment to a Hospital, up to the maximum shown on the Schedule of Benefits, if needed to secure Your admission to a Hospital during the Covered Trip because of Accidental Injury or Emergency Sickness. We reserve the right to deny a request for advance payment if We confirm that Your claim is not covered under the policy. 4.1 Dental Emergency Sudden Relief of Pain $100. All policies purchased . If you purchase this optional upgrade, the following changes apply: Under the heading GENERAL PROVISIONS, Emergency Accident and Sickness Medical Expense is removed from the Excess Insurance provision, and added to the Primary Insurance provision: Primary Insurance: Benefits provided under Emergency Accident and Sickness Medical Expense coverage shall be considered primary. Coverage for emergency dental treatment does not apply if treatment or expenses are incurred after the Insured has reached his/her Return Destination, regardless of the reason. 8. f. Emergency treatment of an illness; subject to emergency room co-pay as outlined in the Schedule of Benefits and Limits. The Company will reimburse You for Medically Necessary covered expenses incurred to treat such Injury or Sickness during the course of the Trip provided the initial documented treatment was received from a Physician during the Trip. Note: No benefits will be provided for personal items, such as TV, radio, guest trays, etc. What is covered by travel medical insurance? In general, a comprehensive policy with Trip Cancellation typically costs between 5% and 10% of the total trip cost. ); Benefits will be paid for covered Medical Expenses incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, subject to the following: 1) covered Medical Expenses will only be payable at the Usual and Customary level of charges; 2) benefits will be payable only for covered Medical Expenses resulting from an Emergency Condition that first manifests itself or occurs while on Your Trip; and 3) only Medical Expenses incurred during Your Trip will be reimbursed. Benefit payments will end on the first of the The Company will not pay benefits in excess of reasonable and customary charges. The treatment must be given by a physician or dentist. However: a. 18. Emergency Accident and Sickness Medical Expense. Annual travel insurance policies are designed to offer affordable coverage for frequent travelers who take multiple trips per year. b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services; This will also include expenses for a Cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury or a Sickness. No benefits will be paid for any loss for, caused by, or resulting from: a. 4. 7. If the treating doctor determines they should go home for further medical attention, this benefit can also cover those transportation expenses. Squaremouth Travel Insurance - Single Trip & Multi Trip Coverage Contact our award-winning customer service team. Medical Expenses means expenses incurred only for the following: Advance Payment: If You require admission to a Hospital or treatment at a clinic, Our designated Travel Assistance Services Provider will arrange advance payment (directly to the provider) necessary for Your admission to a Hospital because of a covered Injury or Sickness, up to the Maximum Benefit Amount shown in the Schedule of Benefits, provided You agree to reimburse Us if it is determined that Your Medical Expense claim is not covered. The Company will reimburse You for Medically Necessary covered expenses incurred to treat such Injury or Sickness during the course of the Trip provided the initial documented treatment was received from a Physician during the Trip. Benefits are provided for psychotherapeutic treatment and psychiatric counseling and treatment for an approved psychiatric diagnosis. Adventure Sports $50,000 Surgery at an outpatient surgical facility, including services and supplies. (iii) The Insured must sign a patient authorization to release any information required by Us to investigate his/her claim. The following are Covered Expenses under this Emergency Medical Expense Benefit: (1) expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services incurred by the Insured that occurred during a Covered Trip; and. Travel medical insurance policies will vary and are determined by various factors, including a traveler's destination, trip cost, and trip length. Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. Physician non-surgical treatment and examination expenses including the Physicians initial visit, each Medically Necessary follow-up visit and consultation visits when referred by the attending Physician. Subject to the terms of the Certificate, the Company will reimburse You for Covered Expenses up to the Medical Maximum set forth in the Schedule of Benefits for the following medical Expenses that are incurred as the result of and within the Benefit Period: a) Hospital Expenses for room and board that do not exceed the Hospitals average charge for semiprivate accommodations, Inpatient Treatment, Surgery, operating room, Intensive Care, nursing services, and services and supplies routinely provided by the Hospital to Inpatients; d) Medication, x-ray services, laboratory tests and services, use of radium and radioactive isotopes, oxygen, and blood transfusions; e) Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon; f) Hotel room when the Insured Person, otherwise necessarily confined in a Hospital, is under the care of a duly qualified Physician in a hotel room due to unavailability of a Hospital room due to capacity or distance or to any other circumstances beyond the reasonable control of the Insured Person; g) Artificial limbs, eyes, larynx, and orthotic appliances other than for replacement of such items; h) Home Health Care in bed if recommended by the attending Physician, provided by a Home Health Care agency upon direct transfer from an acute care Hospital and only in lieu of Medically Necessary Inpatient hospitalization; and.