Test Insurance Policy

This policy is designed to provide insurance coverage and assistance benefits to persons who will be outside their home country. The minimum age of an Insured Person is 15 days and the maximum age is 70 years.

The medical insurance provides up to $1,000,000 for each covered personal injury and sickness that occurs while you are traveling overseas. Medical evacuation, if warranted, to a more suitable hospital or your home is included, as are the costs of hospitalization, visits to doctors’ offices, prescriptions, lab fees, x-rays, local ambulance, and emergency dentistry arising from an accident. In the very unlikely event of accidental death, the return of your remains to your home is covered.

International assistance is not insurance. Rather, it is the service (24 hours per day, 7 days a week) of a personal assistant, professionally trained and fluent in English and the language of the country you are visiting, to help you quickly find the medical care you need. These pros can help you revise travel plans and facilitate emergency communications with your personal Physician and family at home. They’ll ensure that you receive knowledgeable legal assistance if needed. It’s as if you had a good friend wherever you are— no further away than a toll free phone call.

This insurance begins on the later of: (a) your departure from your home country; (b) at 12:01 a.m. local time on the effective date requested on the Application; or (c) when your Application and premium are received by the Administrator.

The insurance terminates on the earlier of: (a) at 11:59 p.m. local time on the expiration date of your policy; (b) when you cease to be eligible as defined under Insured Person; or (c) immediately upon your return to your home country. However; if you have been insured under this policy for at least six months and then return to your home country permanently, the insurance will continue for 30 days or until the policy’s expiration date (whichever first occurs) to provide Home Country Coverage for an unexpected injury or illness which may occur after you return home. The purpose of this 30 day extension is to provide time for you to purchase domestic health insurance.