Accidents and unforeseen illnesses do occur. And, once we pass our years as teens and young adults, the odds of having an accident or unexpected illness increase. A slip, a fall, a broken bone, they happen. Prior planning and appropriate insurance are the best ways to protect your health—and your bank accounts—when traveling overseas. Medical insurance and assistance for overseas travelers are as important as your passport, at a price that's less than dinner for two.
When planning a trip overseas, check with your health insurance provider to determine what's covered. With limited exceptions in Canada and Mexico, Medicare does not cover health care costs outside of the United States.
What you should know about HealthCare Abroad:
The medical insurance provides up to $500,000 for each covered personal injury and sickness that occurs while you are traveling overseas. Medical evacuation, if warranted, to a more suitable hospital or your home is included, as are the costs of hospitalization, visits to doctors’ offices, prescriptions, lab fees, x-rays, local ambulance, and emergency dentistry arising from an accident. In the very unlikely event of accidental death, the return of your remains to your home is covered.
International assistance is not insurance. Rather it is the service (24 hours per day, 7 days a week) of an English-speaking personal assistant, professionally trained and fluent in local languages and culture to help you quickly find the medical care you need. These pros act as your advocate in communicating with local medical services. Your assistant can help you revise travel plans and facilitate emergency communications with your personal physician and family back home. They’ll assist you in getting knowledgeable legal advice if needed. It’s as if you had a good friend wherever you are—no further away than a toll free phone call.
Optional trip cancellation and curtailment coverage reimburses you for unrecoverable deposits and charges and/or unexpected travel expenses should your trip be canceled or shortened due to a covered illness or accident.
Overseas medical services often demand full payment from international travelers at the time care is delivered. Thus, splinting an ankle broken in a misstep from a curb could require an immediate payment of $7,500 or more. Should it be desirable for you to return to your home country for treatment, the cost of medical evacuation can run from $15,000 on a commercial flight to more than $100,000 for an air ambulance and medically trained crew.
What you should do:
- Review your personal medical insurance to determine if your current insurance covers you overseas and includes medical evacuation coverage.
- Read the detailed description of coverages below.
- Visit the Department of State web page Travel and Living Abroad (www.state.gov/travel/) for health advisories and related information about the countries you will visit.
- Call Wallach & Company (800) 237-6615 with questions and concerns about emergency medical and related assistance.
Medical Expense Benefits
$500,000 Accident and Sickness Benefit
$100, $500 or $1,000 deductible
(This benefit is reduced to a maximum of $100,000 for persons between the ages of 71 and 84.)
After the deductible you select, the Company will pay up to $500,000 for those medical expenses incurred outside the USA during the Period of Insurance which are the direct result of each covered injury or sickness which first manifests itself during the Period of Insurance. Covered expenses include, but are not limited to, the necessary medical or surgical treatment, services and supplies, hospital services, local ambulance, prescriptions, x-rays, laboratory fees and visits to a physician's office. The benefit for downhill (alpine) skiing and scuba diving (certification by PADI or NAUI required) is limited to $10,000.
The Accident and Sickness Benefit also includes coverage for medical evacuation and repatriation of remains.
If a covered injury or sickness occurs during the Period of Insurance and requires your evacuation, the Company with your concurrence and that of the attending physician, may evacuate you to a more suitable hospital or to your home location in the event you are hospitalized more than five consecutive days. An evacuation to your home location will terminate coverage under this policy.
Repatriation of Remains
If a covered injury or sickness results in the loss of your life during the Period of Insurance, the Company will pay the expenses for the preparation and transportation of your body back to your home.
All medical evacuations and repatriations of remains must be approved (in advance) and coordinated by the Assistance Center.
Dental Expense Benefit
The Company will pay up to $200 for the immediate relief of dental pain; or up to $200 per tooth (subject to a $1,000 maximum) for dental treatment resulting from a covered accident.
$25,000 Accidental Death & Dismemberment Benefit
The principal sum benefit is $25,000. If a covered injury occurs to you during the Period of Insurance, which is independent of all other causes and results in one of the following losses within 180 days of the covered injury, the Company will pay the sum indicated below:
|Any two limbs (above the elbow/knee)||Principal Sum|
|Sight in both eyes (irrecoverable)||Principal Sum|
|One limb and the sight in one eye||Principal Sum|
|One limb or the sight in one eye||One-half Principal Sum|
The Company will not pay more than the principal sum for all losses incurred as a result of the same accident.
Period of Insurance
Coverage for the Medical Expense Benefits and the Accidental Death & Dismemberment Benefit starts: (a) at 12:01 a.m. local time on the departure date requested on the Application; (b) when your Application and premium are received by the Administrator; or (c) when you board a conveyance at the actual start of your planned trip, whichever occurs later. Coverage ends: (a) when you alight from a conveyance at the completion of your trip; or (b) at 11:59 p.m. local time on the last day of coverage specified on your Application, whichever occurs earlier.
The Company will reimburse you up to $1,000 if you evacuate yourself from an area for which the U.S. Department of State has issued a “TRAVEL WARNING” urging U.S. citizens not to travel to the immediate area, or to leave the affected area if you are already there. Examples of “TRAVEL WARNINGS” may include natural disasters such as earthquake, volcanic eruption, flood, tsunami, biological outbreaks such as SARS, Avian Flu or civil unrest (including a significant increase in terrorist activity).
This benefit is applicable only if you are in the affected area before the WARNING is issued and evacuate yourself from that area as soon as possible before the WARNING is canceled.
The U.S. Department of State maintains a list of countries on its website (www.travel.state.gov) where short-term conditions pose risks to travelers. This Evacuation Benefit will not cover any evacuation expenses from an area listed on its website prior to your arrival in that area.
$500–$10,000 Trip Cancellation and Curtailment Benefit
The Company will pay up to the benefit limit selected on the Application, for the loss of unrecoverable deposits or charges paid in advance, due to the necessary cancellation of the entire trip prior to the scheduled departure; provided that the covered injury, sickness or death giving rise to the cancellation begins within the Period of Insurance.
The Company will pay up to the benefit limit selected on the Application for either: (a) any additional reasonable transportation and/or lodging expenses for the emergency return trip home; or (b) the balance of unrecoverable trip costs; whichever is lesser, provided that the covered injury, sickness or death giving rise to the curtailment occurs after your trip commenced and prior to the termination of the coverage as specified on the Application.
The Trip Cancellation and Curtailment Benefit may also be applicable if a covered injury, sickness or death is sustained by your traveling companion (named on the Application), immediate family (spouse, children, mother, father, sister, brother), and immediate family in-laws. See Exclusion A.
Period of Insurance
Coverage for the Trip Cancellation and Curtailment Benefit begins at 12:01 a.m. local time 30 days prior to your scheduled departure, but no sooner than the date your Application and premium are received by the Administrator. Coverage ends at: (a) the completion of your trip or; (b) 11:59 p.m. local time on the last day of coverage specified on your Application, whichever occurs earlier.
$100,000 Additional Accidental Death & Dismemberment Benefit
The Accidental Death & Dismemberment Benefit (as previously defined) may be optionally increased from the included $25,000 benefit to a total benefit of $125,000. This benefit is not available to persons age 71 or older.
Exclusions & Limitations
This insurance does not cover, nor has premium been charged for losses resulting from:
- A Pre-existing Condition defined as: Any injury or sickness or complications arising therefrom, which manifests itself, or for which a physician was consulted or for which treatment or medication was prescribed or taken in the 180 days immediately prior to the Period of Insurance. With reference to the Trip Cancellation/Curtailment Benefit this exclusion also applies to any condition or set of circumstances known to you at the time of purchasing the insurance where such condition or set of circumstances could reasonably have been expected to give rise to the cancellation or curtailment of the trip.
- Any claim in respect of:
- Congenital conditions; cosmetic surgery and/or dental care (except as covered under the Dental Expense Benefit); suicide, self-inflicted injury or any attempt thereat;
- Examinations/treatment where there is no objective impairment of normal health;
- Eyeglasses, contact lenses or hearing aids;
- Sexually transmittable diseases (this exclusion does not apply to HIV, AIDS, ARC or any derivative or variation thereof);
- Birth control, fertility or infertility treatment, or pregnancy including miscarriage or abortion;
- "Off-Road," All-Terrain Vehicle accidents; mountaineering (where ropes or guide persons are customarily used); or
- Other vehicle accident, if such expenses are recoverable under any other valid and collectible insurance, regardless of whether you assert your rights to obtain benefits from these sources. Nor will this plan cover you while operating a vehicle unless you are properly licensed to operate said vehicle at the time and place of the accident.
- Any claim arising from war, declared or undeclared, or any act of war or while in military service. An act of terrorism shall not be considered an act of war.
- Participation in professional sports; or involving aviation other than as a passenger in a powered aircraft currently licensed for the carrying of passengers.
- Expenses not considered medically necessary; or not recommended and approved by the attending physician.
- Amounts covered under any occupational or other benefit plan, or any other insurance or public assistance program.
- Those claim expenses incurred after the Period of Insurance or in your home country.
- Any loss that occurs:
- From medical expenses incurred within the United States;
- While traveling against the advice of a physician;
- While on a waiting list for a specific treatment; or
- When traveling for the purpose of obtaining medical treatment.
Medical Expense Benefits
If you are under age 71, the daily premium is based upon the deductible you select. If you are between 71 and 84, the daily premium is based upon the deductible and the amount of coverage you select.
|Cost Per Person Per Day|
|Deductible||Under Age 71||Age 71 to 84|
|$ 100||$ 6.75||$ 9.25||$12.50|
|$ 500||$ 5.75||$ 8.25||$11.00|
|$1,000||$ 5.00||$ 7.25||$ 9.50|
|(min. 10 days)||(min. 10 days, max. 120 days)|