Employee Travel Protection Plan
Plan Highlights | Description of Coverage | Coverages and Rates | Enroll Now
Description of Coverage
Accident / Sickness Medical Expense - Class I Only
If Injury or Illness occurs outside the United States, the Company will pay, excess of a $50 deductible, 100% of all reasonable and customary charges for Covered Expenses up to a maximum of $25,000 per incident. Coverage is excess of any other valid and collectible insurance available to the insured person.
Covered Expenses:
1) Charges made by a hospital for room and board, floor nursing and other services, exclusive of charges for professional services and with the exception of personal services of a non-medical nature; provided, however, that expenses do no exceed the hospital's average charge for semiprivate room and board accommodation; 2) Charges made for diagnosis, treatment and surgery by a physician; 3) Charges made for the cost and administration of anesthetics; 4) Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; 5) Charges for physiotherapy, if recommended by a physician for the treatment of a specific disablement and administered by a licensed physiotherapist; 6) Hotel room charge, when the insured person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified physician in a hotel room owing to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of insured; 7) Dressings, drugs and medicines that can only be obtained upon written prescription of a physician or surgeon.
Covered expenses shall not include any amount in excess of regular and customary charges.
Accidental Death & Dismemberment
If injuries result in death or dismemberment within 365 days after the date of the covered accident causing the loss, the plan provides the following benefits:
| Loss Of | Benefit |
Life or 2 or more Members |
Full Principal Sum |
| Speech and Hearing | Full Principal Sum |
| One Member | One-Half the Principal Sum |
| Speech or Hearing | One-Half the Principal Sum |
| Thumb and Index Finger of the Same Hand | One-Quarter the Principal Sum |
Member means hand, foot or eye.
Loss means: with regard to hand or foot, actual severance through or above the wrist or ankle joints; with regard to eye, speech or hearing, entire and irrecoverable loss; with regard to thumb and index finger, complete severance through or above the metacarpophalangeal joints. Only one benefit, the largest to which the Insured Person is entitled, is payable for all losses resulting from one accident.
The aggregate limit of indemnity per accident is $250,000.
To top of page
Repatriation of Remains
The company will pay the reasonable covered expenses incurred to prepare and return the Insured Person's body home if he or she dies (while outside a 100 mile radius from home or work), not to exceed the maximum limit of coverage. Covered expenses include, but are not limited to, expenses for embalming, cremation, coffins and transportation.
Emergency Medical Evacuation
If any injury or sickness commencing during the course of a trip (while outside a 100 mile radius from home or work results in the necessary emergency evacuation of the Insured Person, the insurance company will pay benefits for covered expenses incurred up to the maximum limit of coverage. An emergency evacuation must be ordered by a legally licensed physician who certifies that the severity of the Insured Person's injury or sickness warrants the emergency evacuation of the Insured Person.
Emergency evacuation means: a) the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or sick to the nearest hospital where appropriate medical treatment can be obtained; or b) after being treated at a local hospital, the Insured Person's medical condition warrants transportation to the place where he or she resides to obtain further medical treatment or to recover; or c) both a and b above.
Emergency Medical Assistance Service
24-Hour Multilingual Emergency Assistance - Insured Persons will be provided with an emergency telephone number they can call toll free in the U.S. or collect from outside the U.S. to reach the 24-hour multilingual assistance staff at Travel Assist.
Medical Referrals/Medical Consultation and Monitoring - As soon as Travel Assist is notified of a medical emergency resulting from an accident or sickness of an Insured, Travel Assist will work in conjunction with its medical panel and the attending physician to determine the best course of action to be taken. If possible and if appropriate, the eligible person's family physician will be contacted. Travel Assist will then organize a response to the medical emergency, doing whatever appropriate, including but not limited to recommending or securing the availability of services of a local physician, and arranging hospital confinement of the insured person, where at its discretion, Travel Assist deems such confinement appropriate.
Medical Evacuation/Repatriation of Remains - Travel Assist will also arrange any medical transportation if deemed necessary, and in the event of death, arrange repatriation of remains.
Miscellaneous Services - Travel Assist can also arrange legal assistance, and assistance with lost luggage and passports.
To top of page
Exclusions
With respect to Accidental Death and Dismemberment, Emergency Medical Evacuation, and Repatriation of Remains, this policy does not cover any loss, fatal or non-fatal, caused by or resulting from:
1) Suicide or self destruction or any attempt thereat while sane or insane; 2) Disease of any kind; 3) Bacterial infections except pyogenic infection which shall occur through an accidental cut or wound; 4) Hernia of any kind; 5) Injury sustained in consequence of riding as a pilot, operator, or member of a crew of any aircraft, except as a passenger; 6) Declared or undeclared war or any act thereof; 7) Service in the military, naval or air service of any country.
With regard to Emergency Medical Evacuation and Repatriation of Remains, exclusions 2, 3, and 4 above shall be deleted.
With respect to the Accident/Sickness Medical, no benefit shall be payable for expenses incurred:
1) For Pre-existing Conditions, defined as any injury or illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three (3) years prior to the effective date of the Insured Person's coverage; 2) For services, supplies or treatment, including any period of hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a physician; 3) For suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane; 4) Declared or undeclared war or any act thereof, 5) For injury sustained while participating in professional athletics; 6) For pregnancy, childbirth, or miscarriage; 7) For routine physical or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations except in the course of a disability established by the prior call or attendance of a physician; 8) For cosmetic or plastic surgery, except as the result of an accident; 9) For elective surgery which can be postponed until the insured returns to his/her country of permanent residence; 10) For any mental and nervous disorders or rest cures; 11) For dental care, except as the result of injury to natural teeth caused by accident; 12) For eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by accidental bodily injury incurred while insured hereunder; 13) In connection with alcoholism, drug addiction, or use of any drug or narcotic agent; 14) For congenital anomalies and conditions arising out of or resulting therefrom; 15) For expenses which are non-medical in nature; 16) For the ordinary cost of a one-way airplane ticket used in the transportation back to the insured's country where an air ambulance benefit is provided; 17) For expenses as a result of or in connection with intentionally self-inflicted injury; 18) For expenses as a result of or in connection with the commission of a felony offense; 19) For specific named hazards: motorcycle driving, scuba diving, skiing, mountain climbing, sky diving, professional or amateur racing, and piloting an aircraft; 20) For treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual.
This description of insurance is presented as a matter of general information only. The contents are not to be accepted or construed as a substitute for the provisions of the master contract, the terms of which control in the event of a conflict between this summary and the master contract.
This plan is currently not available to insureds that reside in Idaho or Washington and/or insureds traveling from outside the U.S. to Idaho or Washington. Please call us at 1-800-937-1387 to learn about other plans that may be available.
