Travel Assistance Reimbursement

When a members car is disabled in an auto accident more than 100 miles away from home, we will reimburse you up to $500 for lodging and meals for you and your family during the first 72 hours while waiting for your car to be repaired; or reimburse you up to $500 for commercial transportation to get you to your destination.

Medical Evacuation and Repatriation Coverages*

Emergency Medical Evacuation: If you sustain an injury or suffer an illness and medical care comparable to western medical standards is not available in your current location, we will arrange for and cover the cost of transportation for a medically supervised evacuation to the nearest medical facility we determine to be capable of providing such medical care.

Assisted Repatriation: If you sustain an injury or suffer an illness and you are sufficiently recovered to travel in a nonscheduled commercial air flight or a regularly scheduled air flight with special equipment and/or personnel with minimal risk to your health, we will arrange for and cover the cost for the transport to your principal residence or the country where you are currently assigned.

Post-Recovery Repatriation: If you sustain an injury or suffer an illness and you have sufficiently recovered to travel in a regularly scheduled economy class air flight without special equipment or personnel with minimal risk to your health, we will pay for the increase in cost to change the travel date on the return air flight and/or for an upgrade in the seating, to your principal residence or the country where you are currently assigned.

Return of Mortal Remains: In case of your death, we will arrange for and cover the cost of local preparation of your mortal remains for transport or cremation (not including the cost of cremation), travel clearances and authorizations, a standard shipping container (not including urn or coffin), and actual transportation of your mortal remains to your country of destination.

Visit to Hospital: If you sustain an injury or suffer an illness and you are expected to be hospitalized for more than seven consecutive days, we will arrange for and cover the cost of economy round-trip transportation for a person of your choice to visit you.

Return of Dependent Child(ren): If your dependent child(ren), under age 19, is left unattended as a result of your injury or illness, we will coordinate and cover the cost of economy transportation for their travel to your principal residence or to the country where you are currently assigned.

Return of Companion: If you are traveling with a companion and, as a result of your injury or illness, you cannot complete the trip as scheduled, we will arrange for and cover the cost of the lesser of the change fee for your companion’s return flight or a one-way economy class flight.

* Medical Evacuation & Repatriation Coverages are only applicable when you are 100 or more miles away from your principal residence. Maximum benefit limits may apply to the above coverages. Review the group policy for applicability.

Medical Assistance Services

Worldwide Medical and Dental Referrals: We will provide referrals to help you locate appropriate treatment or care.

Monitoring of Treatment: We will continually monitor your case. Additionally, physicians affiliated with us will provide consultative and advisory services, including review and analysis of the quality of medical care you are receiving.

Facilitation of Hospital Payments: Upon securing payment or a guarantee to reimburse, we will either wire funds or guarantee required emergency hospital admittance deposits. You are ultimately responsible for the payment of the cost of medical care and treatment – including hospital expenses.

Transfer of Insurance Information to Medical Providers: We will assist you with hospital admission, such as relaying insurance benefit information, to help prevent delays or denials of medical care. We will also assist with discharge planning.

Medication, Vaccine, and Blood Transfers: In the event medication, vaccines, or blood products are not available locally or a prescription medication is lost or stolen; we will coordinate their transfer to you upon the prescribing Physician’s authorization, if it is legally permissible.

Personal Assistance Services

Dispatch of Doctors/Specialists: In an emergency where you cannot adequately be assessed by telephone for possible evacuation, or you cannot be moved and local treatment is unavailable, we will send an appropriate medical practitioner to you.

Continuous Updates to Family, Employer, and Home Physician: With your approval, we will provide case updates to appropriate individuals you designate in order to keep them informed.

Hotel Arrangements for Convalescence: We will assist you with the arrangement of hotel stays and room requirements before or after hospitalization.

Replacement of Corrective Lenses and Medical Devices: We will coordinate the replacement of corrective lenses or medical devices if they are lost, stolen, or broken during travel.

Transfer of Medical Records: Upon your consent, we will assist with the transfer of medical information and records to you or the attending physician.

Replacement of Lost or Stolen Travel Documents: We will assist you in taking the necessary steps to replace passports, tickets, and other important travel documents.

Emergency Travel Arrangements: We will make new reservations for airlines, hotels, and other travel services in the event of an illness or injury.

Transfer of Funds: We will provide you with an emergency cash advance, subject to us first securing funds from you or your family.

Legal Referrals: Should you require legal assistance, we will direct you to an attorney and assist you in securing a bail bond.

Translation Services: Multilingual personnel are available to provide immediate verbal translation assistance in a variety of languages in an emergency; otherwise we will provide you with referrals to local interpreter services.

Information Assistance Services

Message Transmittals: You may send and receive emergency messages toll-free, 24-hours a day, through our Emergency Response Center.

Emergency Pet Housing and/or Pet Return: We will coordinate arrangements for temporary boarding or the return of a pet left unattended as a result of your injury or illness.

Pre-Travel Information: Upon your request, we will provide the latest available, continuously updated, destination intelligence – covering subjects such as weather, currency and culture.

Travel and Health Information: Upon your request, we will provide you with the latest available continuous updates on travel and health information such as immunizations, vaccinations, regional health concerns, entry and exit requirements, and transportation information.

Real-time Security Intelligence: Upon your request, we will provide you with the latest available authoritative information and security guidance for over 170 countries and 280 cities. Our global security database is continuously updated and includes intelligence from thousands of worldwide sources.

Please note: Package will be for 15 consecutive days within the next 90 days. These 15 days cannot start in less than 72 hours.

LIMITATIONS AND EXCLUSIONS
* In order to qualify for Medical Evacuation and/or Repatriation Coverages, you must be 100 miles or more from your principal residence. If your spouse and/or dependent child(ren) is traveling with you, he or she will also be covered for Medical Evacuation and/or Repatriation.
No transport or service will be covered unless you contact us prior to the transport, the attending physician approves, if applicable, and we pre-authorize the transport or service.

We will not provide the Medical Evacuation and/or Repatriation for you, if the travel was undertaken for the specific purpose of securing medical treatment or for a self-inflicted injury, the illness or injury requiring medical services resulted from being under the influence of any controlled substance unless such controlled substance was prescribed by a physician and was taken in accordance with the prescribed dosage, with respect to medical evacuation: the medical care which is being provided is consistent with western medical standards, or it is not medically necessary to transport you to another hospital or medical facility, or based upon your medical condition and/or local conditions and circumstances, we determine the medical evacuation or medical repatriation is not appropriate. (We have the sole discretion in making that determination).