Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: United States Fire Insurance Company

• Eligibility: Available for groups of 5 and up traveling outside their home country
• Renew: Non-Renewable plan
• Claim forms: We will send claim forms to the claimant within 15 days.
• Emergency Assistance: 24/7 Emergency Assistance

Covered Medical Expenses: Usual, Customary and Reasonable Medical Expenses incurred during the Period of Insurance for:

• Emergency and Accidental Medical Treatment
• Acute/emergency Illness and Injury
• Treatment by authorized physicians, nurses and specialists
• Hospitalization (semi-private room)
• Surgery, Anesthesiologist, Prescribed Medicines, Dressings
• Local transport to and from the place of treatment
• Treatment for Injury, during the Period of Insurance by physiotherapists and chiropractors - $ 2,500 Maximum per policy year
• Medically necessary required Durable Medical Equipment
• Emergency dental treatment for immediate relief of pain or Injury to sound natural teeth -$ 500 Maximum per policy year

Emergency Medical Evacuation: The plan pays up to $1,000,000 for emergency evacuation when medical treatment is not available locally and deemed necessary and pre-approved by GBG Assist (the insurer), their medical advisors and the attending Physician – to a suitable location that will render immediate and appropriate care which may or may not be the home country of origin. If the Insured does not obtain pre-approval from GBG Assist, GBG reserves the right to deny coverage or apply substantial co-payments for the associated costs to a maximum of 50% of the evacuation cost. Or when treated locally, an Insured Person who is medically stable and upon advice of the Insurers and Attending Medical Doctors can be evacuated at GBG’s discretion to the home country of residence and any form of treatment or surgery which in the same medical opinion can be delayed until the Insured Person returns to their home country. Refusal to accept repatriation when medically stabilized can result in the insurer denying further medical coverage and benefits.

Continuation: Upon pre-approval of GBG Assist, coverage includes transportation by economy travel for the Insured Person, if medically able, to the point of initial destination to continue with the trip.

Emergency Reunion: for the reasonable travel and accommodation (room only) expenses of one person (i.e. a relative or friend who is a resident of Insured Person’s home country), whom upon medical advice is advised to join, accompany, remain with or escort a severely incapacitated Insured Person. Transportation costs will be by commercial carriers and in economy class. Maximum Benefit $300 per day/ $6,000 maximum.

Repatriation of Remains Benefit: up to $1,000,000 for preparation and return of your body to your Home Country if you die due to a Covered Injury or Sickness. Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Covered expenses include: 1. expenses for embalming or cremation; 2. the least costly coffin or receptacle adequate for transporting the remains; 3. transporting the remains by the most direct and least costly conveyance and route possible. Repatriation to home country upon medical stabilization.

Baggage Delay: Reimbursement in respect of the replacement of Necessities in the event of baggage being temporarily lost in transit during the outward journey for longer than 12 hours, up to a maximum of $150 per day for a maximum of 5 days $750 maximum. Conditions & Exclusions:
1) Proof of a missing bag report must be filed with the common carrier.
2) Items purchased after the bags were returned will not be covered.
3) Any claim must be accompanied by proper receipts with date and time affixed.
4) Benefit does not apply to the homeward journey.
If payment is made under the Baggage delay and it is later determined that the bags are lost, we will apply any payment made under this benefit to the Baggage Loss/Theft Benefit Maximum.

Baggage Loss/Theft: Subject to a $50 deductible. Reimbursement up to $1,500 in respect of accidental loss or theft of luggage, clothing and personal effects owned by (not hired, loaned or entrusted to) the Insured Person. Baggage is considered lost when the air carrier has reimbursed you. You must provide documentation from the air carrier of the loss and the payment to you. This coverage is secondary coverage to Common Carrier payment or any other insurance available.

Subject to a maximum payment of $500 in respect of any one article, pair or set of articles. $300 overall in respect of valuables/electronics.

Accidental Death and Dismemberment: The policy will pay according to the schedule of benefits and the following scale provided it is a result of the Insured Person sustaining bodily injury caused by accidental, external, violent and visible means which shall solely and independently of any other cause occur within 12 calendar months from the date of the accident. Note: For children under 16 years of age the death benefit is limited to $ 10,000. Ages 65 to 70 are excluded from all disability coverage under this policy and coverage for Accidental Death is confined to public conveyance and is limited to $25,000.

Travel Delay: Coverage to the Insured Person if the departure or the coach, aircraft or sea vessel in which he/she had arranged to travel on the first outward or first return leg of the journey is delayed for at least 12 hours from the time specified in the travel itinerary due to strike, industrial action, bankruptcy, or mechanical breakdown of the coach, aircraft or sea vessel. Compensation shall be documented and provided for all necessary and reasonable expenses subject to accommodations, food and local transportation minus any compensation paid by the common carrier.

An amount of $ 100 for the first complete 12 hour period of delay in departure commencing from the original booked departure time as specified in the travel itinerary and $100 after each subsequent 24 hour period of delay up to a maximum of $ 1,000 each Insured Person.

Missed Departure: To pay up to $1,000 to each Insured Person in respect of reasonable additional accommodation (room only) and travel expenses necessarily incurred to reach the overseas destination as a consequence of Missed Connection, strike, riot, mechanical breakdown or inclement weather, causing interruption of scheduled public transport services (on the outward journey only); or accidental or mechanical failure involving the car in which the Insured Person is travelling (provided it has been properly serviced) causing him/her to arrive at the international point of departure from the point of origin to commence the booked journey.

Emergency evacuation for non-medical reasons, including war, civil unrest, natural disasters, or other causes: Payment to offset the cost of obtaining or paying for evacuation during a period of civil unrest, insurrection, natural disasters that could not have been foreseen prior to departure from home country of origin that is posted to or declared by the United States Department of State or validated by the NOAA (National Oceanic Atmospheric Association) in the cases of weather or natural disaster. In all cases, GBG reserves the right to assess the validity of the claim and its decisions are final. Coverage is NOT valid in any country that was on the verge, already in or under duress for a period of 60 days prior to departure from point of origin or country of residence. See general exclusions for definition associated with travel to global hotspots.

Personal Liability: Legal liability coverage inclusive of legal cost arising from an accident resulting in bodily injury to persons other than the Insured, his/her family and employees. Subject a $10,000 Maximum in all to indemnify each Insured Person against legal liability for bodily injury to persons other than employees or other members of his/her family and/or damage to property excluding that owned by or in the custody or control of the Insured during the Period of Insurance inclusive of legal expenses.

Hospital Indemnity Benefit: A cash benefit up to $150 per day for each completed 24 hours as an in-patient; payable after the first 24 hours. This benefit is used to defray incidental expenses such as taxi fares, phone calls or other miscellaneous expenses while hospitalized.

Money and Documents (tickets, cash, banknotes): Reimbursement to each Insured Person in respect of accidental loss or theft of cash, banknotes (carried on the Insured Person), postal or money orders, travel tickets, etc. Proper documentation and police reports required on day of event or discovery of loss. This does not cover Loss or theft not reported to the Police within 24 hours of discovery and a written report obtained; Depreciation in value or shortages due to error or omission; Loss or theft of unattended money except when left in hotel security, safety deposit or safe; Money packed in suitcases or other like receptacles whilst travelling; Money held in trust; Loss or theft of traveler’s checks.

We will not pay Medical Expense Benefits, Emergency Medical Evacuation, Emergency Reunion, Continuation or Repatriation of Mortal Remains, for any loss, treatment or services resulting from or contributed to by:

• Pre-Existing Conditions which means Chronic, or Recurrent Medical Conditions that were being treated immediately prior to or whose onset was diagnosed or predicted or could have been avoided prior to travel and any claim arising in the course of travel undertaken against medical advice or where medical advice has been disregarded and inclusive of:
  a) Any illness, resulting in hospitalization within the previous 2 years prior to the Insured Person (s) beginning travel; or
  b) Has been under a doctor’s care for a condition that may result in deterioration of the Insured Person or a diagnosis being changed as a result of testing for a known situation; or
  c) Any changes in prescription drugs, therapies or diet that are a result of a previously known condition that can effect, degrade or alter the Insured Person; or
  d) A person with a terminal condition who either with or without medical approval chooses to travel and becomes ill as a direct consequence of that illness or the onset of a complication due to that illness.
• In respect of Injury to Natural Teeth, no benefit is payable for injury caused by eating or drinking (even if it contains a foreign body), normal wear and tear, tooth brushing or any other oral hygiene procedure or any means other than extra-oral impact, any form of restorative or remedial work, the use of precious metals, orthodontic treatment of any kind or dental treatment performed in a hospital unless dental surgery is the only treatment available to alleviate pain;
• Suicide or attempted suicide, intentional self-injury, the effect of intoxicating liquors or drugs;
• treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis, osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness whether or not caused by a Covered Accident;
• Evacuation costs where the Insured Person is not being admitted to a Hospital for Treatment or where costs have not been approved by Company prior to travel commencing;
• Any costs arising after expiry of the current Period of Insurance, unless this Policy has been renewed for a subsequent 12 months or the Insured Person was being treated during the Period of Insurance as a result of an accident;
• Any form of treatment or surgery which in the opinion of the Doctors(s) in attendance and GBG Assist can be delayed until your return to your Home Country;
• Any expenses incurred after you have returned to your Home Country;
• Medical Expenses in excess of a limit stated in the Basic Benefits Schedule;
• The amount of the Policy Excess, Deductible or Co-Payment, as stated;
• Any cost resulting in a Sickness, Injury or death from the misuse of drugs or being under the influence or effect of alcohol (other than a legally prescribed medication by a licensed medical professional);
• Needless self-exposure to peril except in an attempt to save human life;
• Intentional or fraudulent acts on the Insured Person’s part or their consequences;
• Trips specifically made for the purpose of obtaining medical treatment;
• Cosmetic surgery or remedial surgery, removal of fat or other surplus body tissue and any consequences of such Treatment, weight loss or weight problems/eating disorders, whether or not for psychological purposes, unless required as a direct result of an accident which occurs during the Period of Insurance;
• Treatment for alcoholism, narcotics, drug and substance abuse/dependency or any addictive condition of any kind and any injury or Sickness arising from the Insured Person being under the influence of alcohol, drugs or any other intoxicating substance;
• Pregnancy, childbirth whether normal or complicated, including the transfer of a pregnant woman to a hospital to give routine childbirth or air travel when the Insured Person is more than 20 weeks pregnant and was NOT a result of an accident or onset of complications relating from an accident;
• Treatment for mental or nervous disorders, including transitional life events, homesickness, fatigue, jet-lag or work related stress; the costs of psychotherapists, psychologists, family therapists or bereavement counselors;
• Loss as the result of the use of any type of firearm(s) (Defined as any device that discharges a projectile of any type);
• Any expenses relating to search and rescue operations to find an Insured Person in mountains, at sea, in the desert, in the jungle and similar remote locations including air/ sea rescue charges for evacuation to shore from a vessel or from the sea;
• Charges or fees incurred for the completion of Medical Claim Forms;
• Expeditions, and mountaineering and or trekking above 3500M or 11,500 ft is considered Extreme Sport and not covered, included and not limited to: Expeditions to Mt Everest, K2, Kilimanjaro, Antarctica, The Arctic, North Pole and Greenland;
• Losses incurred in Cuba, unless for a reimbursement of a Covered Expense. For Americans - proof of US government approval with proper documentation for travel to Cuba must be provided.
• Travel in or to Countries on the US Governments “Travel Warnings” on the date of enrollment. The list is located at travel.state.gov;
• Motorcycle vacations or holidays unless approved by the insurer and attached as a rider or appendix to this policy;
• War Insurrection and Terrorism; Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; any loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss or expense due to War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state Foreign to the nationality of the Insured Person, Terrorist activity.

We will not pay any loss as the result of from or contributed to by the following sports and activities:

• Engaging in professional, club, interscholastic, intercollegiate or competitive sporting event, participation in semi or professional sports of any kind;
• Use of any type of firearms (any device that discharges a projectile of any type);
• Any activity relating to flying either as a Pilot in Command, student pilot, sport flying or the business or trade of flying except while travelling as a passenger in a fully-licensed passenger carrying aircraft;
• Extreme Sports: Participation in any type of motorsport, motorsport race or motorsport contest, base jumping, paragliding, parachuting, mountaineering that requires specialized climbing equipment or to altitudes above 3500M or 10,000 feet, and diving to depths in excess of 25M (80ft) and flying within 24-hours of diving activity.

We will not pay Baggage Delay for any loss, treatment or services resulting from or contributed to by:

• Proof of a missing bag report must be filed with the common carrier.
• Items purchased after the bags were returned will not be covered.
• Any claim must be accompanied by proper receipts with date and time affixed.
• Benefit does not apply to the homeward journey.

We will not pay Baggage Loss/Theft for any loss, treatment or services resulting from or contributed to by:

• Damage to baggage of any kind and/or its contents;
• Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;
• Any loss or theft of property in transit, which has not been reported to the carrier and written report obtained. In the case of an airline, a Property Irregularity Report will be required;
• Loss of theft of any property left unattended in a public place;
• Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

We will not pay Accidental Death and Dismemberment resulting from or contributed to by:

• Conditions arising from motorcycling as either a driver or passenger shall not be payable here under;
• In the event of a claim a medical adviser or advisers appointed by the Insurers shall be allowed as often as the Insurer shall deem it necessary to examine the Insured Persons;
• The insurer shall not be liable for any claim arising from medical or surgical treatment (unless rendered necessary by accidental bodily injury);
• Beneficiary and Death notification: If the Insured Person dies due to a covered event the client’s surviving beneficiary must provide Verification of eligibility and legal status of the beneficiary; Copy of the death certificate; Proof of travel in order to claim.

We will not pay Travel Delay resulting from or contributed to by:

• A strike or industrial action existing or publicly declared at the time of effecting this Insurance;
• Technical reasons such as aircraft commitment;
• Where the Insured Person has not checked in according to the itinerary supplied and has failed to obtain written confirmation from the carrier (or their handling agents) of the period of or reason for the delay;
• Arising directly or indirectly from withdrawal from service (temporary or otherwise) of a coach, an aircraft or sea vessel on the recommendation of a Port Authority or the Civil Aviation Authority or of any similar body.

The Insurers shall not be liable for personal liability claims arising directly or indirectly from:

• Employers’ liability, contractual liability or liability to a member of a family or a travelling companion;
• Animals belonging to or in the care, custody or control of an Insured Person;
• Any willful, malicious, or unlawful act;
• Pursuit of trade, business or profession;
• Ownership or occupation of land or buildings;
• Ownership, possession or use of vehicles, aircraft, or motor-powered watercraft;
• The influence of intoxicating liquor, or the use of firearms;
• Legal costs resulting from any criminal proceedings;
• The insurance limit is for any one individual event even if multiple losses are incurred by multiple insured’s carrying the policy;
• The Insured person cannot bind or have a binding effect if they admit liability for any loss, damage or injury caused by themselves.

Pre-Existing Conditions which means Chronic, or Recurrent Medical Conditions that were being treated immediately prior to or whose onset was diagnosed or predicted or could have been avoided prior to travel and any claim arising in the course of travel undertaken against medical advice or where medical advice has been disregarded and inclusive of:
a) Any illness, resulting in hospitalization within the previous 2 years prior to the Insured Person (s) beginning travel; or
b) Has been under a doctor’s care for a condition that may result in deterioration of the Insured Person or a diagnosis being changed as a result of testing for a known situation; or
c) Any changes in prescription drugs, therapies or diet that are a result of a previously known condition that can effect, degrade or alter the Insured Person; or
d) A person with a terminal condition who either with or without medical approval chooses to travel and becomes ill as a direct consequence of that illness or the onset of a complication due to that illness.

All claims are limited to the amount selected regardless of the amount of trips taken during the period of insurance for each Insured Person for loss of travel and accommodation for any unused expenses paid or contracted to be paid as a result of the journey/holiday being necessarily and unavoidably cancelled or curtailed due to any cause listed below commencing and occurring during the period of Insurance provided such expenses are not recoverable from any other source (This benefit is not valid for Cruise Holiday Cancellations).

In the event of a failure by the Insured Person to notify the Travel Agent, Tour Operator or provider of transport/accommodation immediately and it is found necessary to cancel the journey/holiday, the Insurers’ liability shall be restricted to the cancellation charges that would have applied at that time.

Where a declared value is utilized by the client the total trip cost estimates should include flights, hotels, and pre-paid tours; all claims submitted will require validation of trip paid expenses including documentation from the providers on their cancellation policies.

Reimbursement for cancellation and or curtailment will be based on the non-refundable portion of the itinerary and will NOT include any credits offered by the various providers.