Applicable to both group and individual travelers. Does not include Trip Cancellation, Trip Delay, or baggage insurance. Policy designed for travelers moving to another country.
| Lifetime Maximum Benefit |
$5,000,000 per Insured Person. |
| Policy Period Deductible Options |
$250, $500, $1000, $2500, $5000Maximum of 3 deductible payments for families enrolling on one application. Any eligible charges incurred and applied to your policy period deductible in the last 30 days prior to your renewal date will carry over and be applied to the next policy period deductible. |
| Outside of the United States |
After the Deductible, the Policy pays 100% of eligible expenses to the Policy Maximum. Hospital Admissions must be Pre-Notified using SRI's Pre-Notification Program. |
| Inside of the United States |
After the Deductible, the Policy pays 80% of the next $5,000 of eligible expenses, then 100% up to the Policy Maximum. Expenses incurred inside the United States must be Pre-Notified using SRI's Pre-Notification Program. |
| Hospital Expenses |
Average Semi-Private room and board, Usual, Reasonable, and Customary (URC) Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-Rays up to the Policy Maximum. |
| Intensive Care |
Intensive Care room and board, Usual, Reasonable, and Customary Physician Charges, Prescription Medications, Durable Medical Equipment, Nursing Services and X-rays up to the Policy Maximum. |
| Surgery |
URC Charges for Surgery, Physician and Anesthetics up to the Policy Maximum. |
| Hospital Daily Indemnity Benefit |
$50 per day ($1,000 maximum per policy period), for every Medically Necessary night spent in a Hospital (Hospital Admission) outside of the United States and Canada. |
| Outpatient Treatment |
URC Charges for Emergency Treatment, Surgery, Prescription Medication up to the Policy Maximum. |
| Physiotherapy, Chiropractic |
Up to $75 per visit ($10,000 Lifetime Maximum), when referred in advance by a Physician. |
| Medical Supplies |
URC Charges up to Policy Maximum. |
| Ambulance |
URC Charges up to Policy Maximum. |
| Well Child Care |
Up to $200 Policy Period Maximum for checkups and routine visits after 12 month waiting period. Up to age 18. |
| Maternity |
URC Charges up to $7500 per Pregnancy, must be Pre-Notified within the first 90 days of Pregnancy. Waiting period of 12 months before maternity benefit begins. |
| Mental & Nervous |
URC Charges up to a Maximum of $10,000 per Policy Period after 12 month waiting period. Lifetime Maximum of $30,000. |
| Newborn Benefit |
$25,000 lifetime maximum for the first 31 days after birth. |
| Dental |
URC Charges for repair and replacement of sound, natural teeth damaged as a result of an accident, limited to $500 per Policy Period. |
| Emergency Medical Evacuation |
$50,000 Limit - when adequate medical facilities and/or treatment is not available. (pre-approval required). |
| Repatriation of Remains |
$25,000 Limit - when traveling outside your current Country of Residence. (Pre-approval required). |
| Emergency Medical Reunion |
$10,000 Limit - when traveling outside your current Country of Residence. (Pre-approval required). |
| Preventive Benefits |
Females and Males over the Age 30 up to $175 Policy Period Maximum for checkups, routine physical exams, female preventative exams and mammograms after 12 month waiting period. Not subject to Deductible or Coinsurance. |
| Accidental Death & Dismemberment (AD&D) |
Principal Sum: $10,000 for Insured and Spouse, $2,000 for Dependent Children. For Common Carrier, Principal Sum: $40,000 for Insured and Spouse, $8,000 for Dependent Children. |
| Lifetime Transplant Benefit |
Up to $1,000,000 per Insured Person. |
