Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited

  • Plan best suited - Non-US citizens, traveling outside their home country to EU countries.
  • Eligibility: 14 days to 70 years old.
  • Coverage length - Minimum 5 days to maximum 180 days.
  • Provider Network: You can find the link to the provider directory on the back of your ID card or Please visit www.GBG.com for a complete list of providers.
  • Renew Online: Minimum of 5 days renewal.
  • ID card & Apply online to print ID-card online.

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SCHEDULE OF BENEFITS
Coverage Benefit Limits

Emergency Medical Evacuation

  • Accompaniment - Maximum Benefit $300 per day / $6,000 total
  • Continuation
  • Repatriation for Medical Treatment
100% up to $150,000

Emergency and Accidental Medical Treatment

  • All coverage subject to Usual and Customary Limits
  • Preferred Provider Networks when available for Direct Payment
  • Acute/emergency Illness and Injury
  • Treatment by authorized physicians, nurses and specialists
  • Hospitalization (semi-private rooms)
  • Surgery, anesthesiologist
  • Prescribed medicines, dressings
  • Local transport to and from the place of treatment
  • Treatment by physiotherapists and chiropractors up to $2,500
  • Medically necessary required durable medical equipment
  • Emergency dental treatment for immediate relief of pain up to $500
  • Repatriation to home country upon medical stabilization
100% up to $50,000

Repatriation of Mortal Remains

100% up to $20,000

24/7 Emergency Assistance via GBG Assist

Unlimited
*Some limitations apply. Coverage paid at Usual and Customary.

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  • Pregnancy or child birth.
  • Treatment of hernia, Osgood-Schlatter disease, osteochondritis, osteomyelitis, pathological fractures, congenital weakness whether or not caused by a Covered Accident.
  • Any loss as the result of the use of a Motorcycle or two or three wheeled device of any kind.
  • The radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof.
  • Intentional or fraudulent acts on the Insured Person’s part or their consequences.
  • Suicide or attempted suicide, intentional self-injury, the effect of intoxicating liquors or drugs.

Complete details are given in certificate of insurance.

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Pre-Existing Condition : means any Illness or Injury, physical or mental condition, for which a Insured Person received any diagnosis, medical advice or treatment, or had taken any prescribed drug, or where distinct symptoms were evident prior to the Effective Date.

A Pre-Existing Condition is considered stable, which in the twelve months before the Effective Date, there have not been: new/change in treatment; medical management; medication including a change in dosage, and new/more frequent/more severe symptoms or findings, and new test results or test results showing a deterioration, and investigations initiated or recommended for your symptoms, and hospitalization or referral to a specialist.

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PREFERRED PROVIDER NETWORK

The Company maintains a Preferred Provider Network both within and outside the United States. Within the United States, the Company recommends the use of the Preferred Provider Network for maximum benefit payment. Please visit www.GBG.com for a complete list of providers.

International / Schengen Countries: The Insured Person may utilize any licensed Provider. However, we suggest the Insured Person to contact GBG Assist to locate a Provider with a direct billing arrangement with the Insurer. The Insurer retains the right to limit or prohibit the use of Providers which significantly exceed Allowable Charges.

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100% refund for policies cancelled prior to the effective date. All cancellations must be submitted in writing and are based on the date received.

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Claim

  • All claims must be submitted to within 90 days of the date of service.
  • Status of Claim: To request the status of a claim or have a question please call: USA and Canada 877-916-7920 Outside the United States and Canada, call direct or collect: 949-916-7941 or customerservice@gbg.com. Inquiries regarding the status of past claims must be received within 12 months of the date of service to be considered for review.

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