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Tokio Marine Holdings, Inc, is a multinational insurance holding company headquartered in Tokyo, Japan. It is the largest property/casualty insurance group in Japan in terms of revenue and is the parent company for the Tokio Marine Group which employs 39,000 people in 38 countries worldwide. Tokio Marine Holdings, Inc 是一家跨國保險控股公司，總部位於日本東京。就收入而言，它是日本最大的財產/意外傷害保險集團，並且是 Tokio Marine Group 的母公司，該集團在全球 38 個國家/地區擁有 39,000 名員工。 Visit website 為什麼選擇 環球旅行 多年來，TOKIO MARINE now WORLD TRIPS 在倡導進步方面積累了豐富的經驗，我們逐漸了解如何將保險用作應對金融挑戰、大聲生活並承擔至關重要的巨大風險的工具的重要性獲得成功。這就是保險如何使許多現代奇蹟成為可能，因為它給了普通人以無所畏懼地冒險的信心。 自 1998 年以來，他們一直在幫助國際旅行者充滿信心地暢遊世界。提供各種可定制、預算友好的旅行醫療保險計劃，以滿足個人和團體旅行休閒、商務、任務工作、出國留學等的需求。 World Trips Medical Insurance Services 設計了 Atlas 系列，以降低國際旅行的風險，讓您享受愉快而富有成效的旅行。為您的旅行提供全方位保護，無論是個人旅行還是商務旅行。選擇 Classic 或 Premier 計劃，免受重大緊急情況或常見旅行不便的影響。 綜合 計劃 Atlas Journey® Insurance Short-term trip cancellation insurance for U.S. residents traveling domestically and abroad. Atlas Journey is comprehensive trip protection insurance for domestic and international travel. Choose from three levels of coverage: Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy. Atlas Journey offers coverage for trip cancellation, trip interruption, travel delay, missed connection, and other travel-related benefits. It also provides coverage for emergency medical expenses and medical evacuation Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Atlas On-The-Go® Insurance Short-term travel insurance for U.S. residents traveling at home or abroad. Atlas On-The-Go is a travel insurance plan featuring reimbursement for trips that are cut short unexpectedly. This plan also provides coverage for medical emergencies, baggage damage or loss, missed connections, and other travel interruptions. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 旅行醫療 計劃 Atlas Travel® Insurance Short-term travel health insurance for individuals traveling outside of their home country. Whether you're traveling abroad for business or pleasure, Atlas Travel insurance can offer an international coverage plan for you. Atlas Travel can cover trips between 5 and 364 days. In addition to medical benefits for unexpected injuries and illnesses, Atlas Travel insurance offers benefits for emergency medical evacuation, terrorism, political evacuation, recreational sports and activities, and more. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Atlas MultiTrip™ Insurance Short-term travel health insurance for individuals taking multiple international trips throughout the year outside of their home country. Atlas MultiTrip is annual travel health insurance for individuals and their families who plan to take multiple trips abroad in a one-year period. Travelers can make one payment and receive international health coverage for multiple trips of up to 30 or 45 days each, as elected by the insured. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 專業 計劃 Student Secure® International Insurance International student health insurance for students pursuing their education outside of their home country. StudentSecure is designed to meet the insurance needs of full-time students and scholars studying abroad. The StudentSecure series offers four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the plan that fits your needs and budget. These plans may include coverage for emergency medical evacuation, leisure sports and activities, mental health treatment, maternity and more. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Atlas Group® Insurance Short-term travel health insurance for groups of 5 or more traveling outside of their home country. Atlas Group is travel health insurance offered to groups of 5 or more individuals who are traveling abroad for up to 364 days. This plan provides the same benefits and services of our popular Atlas Travel plan at a 10% reduced group rate. Designed for missionary groups, student groups, business professionals, and families, Atlas Group provides coverage for unexpected medical expenses, emergency medical evacuation, repatriation of remains, and more. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 訪問他們的網站，了解所有可用的計劃和福利 訪問網站 想投保 世界旅行？ 多 語種 24/7 緊急旅行援助團隊 世界旅行的 聯繫信息 > 客戶服務 800-605-2282 > 營業時間 每天，每天 24 小時 索賠電子郵件 延長或更新覆蓋範圍 > 理賠營業時間： 每天，每天 24 小時 > 理賠聯繫人 電話：800-605-2282 傳真：317-262-2140 供應商索賠網站 緊急援助 > 郵寄至 Tokio Marine HCC - 醫療保險服務集團 郵政信箱 2005 法明頓山，密歇根州 48333 文件索賠/指南 找醫生/醫院

Group travel insurance policies offer comprehensive benefits to cover travelers' main concerns, including Trip Cancellation and Trip Interruption, Emergency Medical, Medical Evacuation, and Travel Delay coverage. 需要單程/多程 旅遊 保險？ 我們提供各種形式的團體旅行保險計劃，來自我們的各種首選供應商。 > 綜合計劃 這些計劃是為許多不同類型的旅行團體設計的。大多數都提供旅行取消、中斷、行李、醫療、牙科、緊急疏散、24 小時旅行援助、行李延誤、旅行延誤和意外死亡保險。 > 旅行醫療計劃 這些計劃是為許多不同類型的旅行團體設計的，並提供長達一年的旅行醫療保險。其中一些包括疏散、飛行、意外死亡、有限行李和旅行中斷的保險。 > 意外死亡計劃 意外死亡和傷殘 (AD&D) 計劃專為單次旅行的旅行者設計，但也可以每年為個人、企業或團體制定。 AD&D 計劃在旅行期間遭受生命損失或肢解傷害的情況下提供保護。這些計劃的福利限額最高可達 2000 萬美元。 > 為 團體旅行投保 一個由 10 人或更多人組成的旅行團體可能有自己的一套需求。如果您有 10 人或以上的團體，在同一出發和返回日期前往同一目的地，請致電並與團體旅行保險代表交談。他們將指導您選擇最適合您和您的聚會的計劃。 Additional resources and links for inquiries about the Coronavirus: U.S. Department of State World Health Organization Center for Disease Control and Prevention Covid 19 World Visualizer map Click this world globe to view live Covid-19 statistics from around the world as they happen Tips for International Travelers As the Omicron strain of Covid spreads globally, international travel presents a host of new challenges. Here's a rundown of what international travelers should expect and how they can prepare for their travels abroad. Check the travel alerts and the latest flight information on airline websites and authoritative country-and-state-specific sites based on the itinerary. Keep the Proof of Vaccination card ready to show to the airline, or local authorities. Be prepared to present proof of a recent negative Covid test (RT-PCR). Depending on your airline and destination the requirement the test will need to be taken within 12 to 72 hours of boarding the plane. Have other country-specific documents such as a signed copy of self-declaration, ready. Expect to take covid tests not only upon arrival at the destination, but also at other times throughout your trip and return home. Adhere to mandatory quarantines at the destination. The length of which will depend on your destination country. Anticipate sudden changes to entry requirements. Adhere to mandatory quarantines at the destination. The length of which will depend on your destination country. Anticipate sudden changes to entry requirements. Plan for flight delays, cancellations and schedule changes. Be aware of the type of masks required by the airlines and the destinations. Some airlines no longer accept cloth coverings. Keep digital and paper copies of all your important papers and records. Carry some amount of currency from the destination country. Do I need Travel Insurance? Travel is unpredictable, even at the best of times. Travel insurance helps to protect you against the unexpected. If your trip is canceled unexpectedly or ends early, would you be able to easily accept the financial loss? Or, if someone in your party required evacuation due to a medical issue, could you cover that expense? Travel insurance can help with these concerns and many more. Why is comparing travel insurance important? Travel insurance is unique and varies depending on the details of your trip. The best policy covers only what you need at a price that fits your budget. You can compare dozens of providers on our site using our comparison engine, filtering for only the specific coverage options you want. If you need help, our licensed travel insurance agents can assist you in comparing plans and reading the fine print for you to help explain the exclusions. What coverage do I need? That depends entirely on you. Are there pre-paid, non-refundable trip costs you are unwilling to lose? What unpredictable expenses would you not be able to cover? Reasons that might cause an unexpected cancellation? Different plans and options are available for various concerns and coverages that you may need. Does travel insurance cover covid 19 illness? There are some USA Covid travel insurance plans available for travel that cover covid 19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country. What you need to know about travel exclusions If pandemics or epidemics aren’t always excluded why are people getting surprised by their policy’s coverage? For the most part, people are not cancelling their trips because there are illnesses in the world. There have always been serious illnesses in different places and most people have opted not to go to those places. Instead, you’re likely being forced to change your travel plans due to any one or a combination of these common Travel Insurance Exclusions: A government regulation, mandate or prohibition Failure of any tour operator, common carrier, person or agency to provide the bargained-for travel arrangements. If a travel supplier changes the itinerary, but still gives you a similar trip or a future travel credit or waives the change fees, there’s no payable claim. Changes in plans by the Insured, a Family Member, or Traveling Companion, for any not-covered reason; unless the optional Cancel for Any Reason coverage was purchased. Fear, worry, concern about something that might happen on the trip. Read this if your doctor’s suggesting you don’t take your trip: Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured What's the difference between travel insurance and travel medical insurance? Travel insurance is a great way to protect your financial investment for your trip. Travel benefits can provide coverage for prepaid, non-refundable trip costs and some plans also offer limited medical coverage benefits. Travel medical insurance is primarily used for short term medical coverage when you are traveling outside of your home country. Your domestic insurance plan often does not provide coverage for you in foreign countries. If you were to fall ill or get in an accident, you could have to pay out-of-pocket for those expenses. Travel Insurance may provide coverage* for items such as: Prepaid, non-refundable expenses Trip cancellation** Travel delay Trip interruption Lost or stolen luggage Emergency medical evacuation* Accident and sickness medical expenses* How Travel, Trip, Cruise Cancellation Insurance Works" Trip Cancellation Insurance coverage: You, a close family member or a traveling companion gets hurt or sick before you leave (your medical records must substantiate what happened to you). Travel Insurance reimburses you the money you lose. This may include pre-existing medical conditions. Other events that could cause you to cancel your trip are: you’re required to work or natural disasters. Trip Interruption Insurance coverage: You, a close family member or a traveling companion gets hurt or sick during your trip and you have to return home early. Before the trip it’s trip cancellation. During the trip it’s trip interruption. Our plans provide coverage for the unused value of your trip and the cost of one-way airfare up to the plan’s limit. Emergency Medical & Evacuation Insurance coverage: You get ill or injured (ie – hit by a cement truck) on your trip. Travel Insurance can reimburse you your medical expenses including medical transportation home. Our plans won’t leave you in a foreign country. See why Medicare doesn’t cover you outside the USA. A Trip Delay forces you to have extra meal and accommodation expenses when you are delayed up to 6 or 12 hours (varies by plan) getting to your destination or returning home as scheduled. Your luggage is delayed, lost, stolen or damaged. If your checked luggage doesn’t arrive within 12 or 24 hours (varies by plan), you may be reimbursed for items you need to buy. Or if it’s damaged or never arrives, most policies provide coverage. You are able to get a “Cancel For Any Reason” plan to cover any possible reason to cancel your trip including: you change your mind, you’re afraid to travel, you just don’t want to go. Is the coverage offered by my credit card sufficient? Enter your answer here Do you need trip cancellation? Trip insurance (also called Trip Cancellation or Comprehensive Travel Insurance) covers cancellations, interruptions, baggage, delays, medical, evacuation, and more. Travel Insurance with Trip Cancellation coverage will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.) that you have insured, should you cancel your trip before departure for an unforeseen covered reason. Check out these plans below! Trip Cancellation | Travel with Insurance Are you looking for travel insurance for sports / adventure travel? We've got the perfect plans! Check these out our recommended travel insurance plans below Are you traveling long term? Expatriates, Marine Crew, Missionary? We have narrowed down your search to these recommended plans for you to select from. Are you a student looking for travel insurance? As an international student, peace of mind is a priority when you study abroad. Your educational adventure or cultural exchange program should be an enjoyable experience. These plans are designed to specifically meet the needs of international students, scholars, and people involved in long-term educational and cultural exchange programs. Plans that offer a robust package of benefits while outside your home country. Do you need help with a claim? Please send us your full name, contact details and most importantly - your policy number so that our team can assist you promptly! Are you traveling in a group? Looking for the best rates? We've got you covered! Group travel insurance policies offer comprehensive benefits to cover travelers' main concerns, including Trip Cancellation and Trip Interruption, Emergency Medical, Medical Evacuation, and Travel Delay coverage. Check out our recommended plans below Are you going on a cruise? Need the best coverage? Now that sounds like an adventure! Let's get you covered with the best travel insurance plans available. . There are often cancellation penalties tied to travel purchases, especially cruise trips, and you could get a portion of your trip costs back or none at all. Those penalties tend to get more severe as the departure date gets closer. This is where Trip Cancellation coverage can help you. Check out our recommended cruise insurance plans below Do you need medical evacuation and repatriation plans? This type of plan covers the expenses and associated services for your emergency medical evacuation or repatriation back to your home country. Are you still unsure which plan is best for you? That's ok! We're here to help! If you're anything like us and enjoy speaking to a human, please leave your name and best way to contact you and one of our friendly TWI agents will reach out to you. We will help you go through the various options and best insurance plans for your trip. Or alternatively, send us an email with your trip details and we will assist you personally in getting the perfect plan for your trip. Traveling to Costa Rica? Such a beautiful place! We've got you covered! Check out these travel insurance plans specifically designed for traveling to Costa Rica. A Annual Multi-Trip Plan Provides coverage for all trips made within a year. B Baggage and Personal Effects Coverage Covers a policy holder’s baggage, passport, credit cards, and personal effects. Benefits The amount a beneficiary receives from the insurance provider after a claim has been filed. Benefit Period The period of time during which the insured receives compensation from their insurance company for medical purposes, and can vary from policy to policy. For example, one policy may state that your benefit period begins the day you are hospitalized for a serious illness and ends 30 days after you stop receiving treatment. C Co-Insurance or Co-Pay Refers to the amount paid by the policy holder after payment of the deductible is completed. Common Carrier Any land, sea, or air conveyance operating under a valid license for the transportation of passengers for hire. Continuous Coverage Health insurance coverage that is not interrupted by a lapse of a predetermined number of days. Coverage Area The geographical region where an insurance policy is in effect. Covered Expenses Expenses that the insurance company agrees to cover based on the insurance policy purchased. A summary of “covered expenses” will be listed in the Schedule of Benefits. Covered Reasons The specific situations and events that are covered by a specific coverage or policy. D Deductible The amount a policy holder is required to pay before the insurance provider starts making payment. It can be a yearly amount, an amount based on the duration of the policy, or amount based on incident. Death Benefit (Survivor Benefit) The total compensation that is paid to the beneficiary of the life insurance plan when the insured passes away. Dependent Usually a spouse and/or children who are legally dependent on the insured. Depending on the insurance plan, dependents may qualify for insurance coverage on the insured’s policy. E Emergency Benefits Provides coverage for expenses incurred when a person is transported to a place where they receive immediate medical attention. Evacuation: Emergency Evacuation Categories Emergency medical evacuation (to the nearest qualified medical facility that can handle the medical condition) Medical due to outbreaks, epidemics The threat of natural disaster Political evacuation due to civil unrest (treated separately) Includes expenses for reasonable transportation (either public transport or private as reasonable based on the condition) resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. Sometimes includes remote transportation in the event of a diagnosis of a critical medical condition that is not necessarily immediately life-threatening, but severe enough that it could result in death or a permanent disability if not treated right away. Any medical treatment (after any deductibles) is usually paid from your medical insurance benefit. May also include an Emergency Reunion Benefit, or Return of Minor Children. Emergency Reunion Coverage Covers the traveling and accommodation expenses incurred when a friend or family member of an ill or injured policy holder travels to visit them. Exclusions Expenses the insurance provider will not cover, and they usually include expenses that result from participation in high-risk sports or recreational activities. Effective Date The date when the insurance coverage becomes effective. Elimination Period (Waiting Period) the period of time between the insured’s accident and the arrival of benefit payments. For example, if you broke your leg in January and received your first benefit payment in February, the elimination period would be one month. Epidemic An outbreak of a contagious disease that spreads rapidly and widely and that is identified as an epidemic by The Centers for Disease Control and Prevention (CDC). Exclusions Cases under which an insurance provider does not provide coverage to the insured. For example, an insurance company may include an exclusion for car accidents if the insured is driving under the influence. Expatriate Insurance Expat insurance policies designed to cover financial losses that expatriates face while living and working in a country other than their own. F Family Plans Plans that cover every member of a family who is traveling, and they usually come with discounted rates. G Grace Period A period of time after an insurance premium payment is due during which the insured can fully enjoy the insurance coverage without incurring an additional fee. Grace periods can range from 24 hours to 30 days, and after their expiration, the insured will be required to pay an additional fee. H Hazardous Sports and Activities Coverage Refers to coverage of medical expenses incurred to treat a policy holder who becomes injured because of participation in hazardous sports and activities, such as: sky diving, scuba diving, or rock climbing HIPAA The Health Insurance Portability and Accountability Act. This is also known as the Kassebaum-Kennedy Act enacted by the US Congress in 1996. It includes basic requirements for health insurance privacy and portability of health insurance, thus avoiding the exclusion of coverage for pre-existing medical conditions. Hospital Indemnity Hospital indemnity will provide $$ for each night you spend in the hospital as an inpatient when receiving treatment for a covered illness or injury. Hospital indemnity benefits are typically not subject to a deductible or coinsurance and are in addition to the payments for other covered expenses. I Insured The individual who is covered by the travel insurance policy. Individual Plans Plans that provide coverage for only one person. Inflation Protection A feature of certain insurance policies whereby the value of benefits increases by a certain, pre-defined percentage during specific time periods to assure that insurance coverage grows at the same pace as inflation. Insurance Provider Network The grouping of hospitals, doctors, and other health care providers that the insured will receive the maximum insurance coverage from working with. Health Maintenance Organization (HMO) – an insurance provider plan that typically limits customers to receiving insurance coverage only when working with one specific network provider. Preferred Provider Organization (PPO, or Participating Provider Organization) – an organization of hospitals, doctors, and other health care providers who have agreed to provide health care at reduced rates to clients of a particular insurance provider. Healthcare providers who fall into your provider’s PPO are often referred to as “In-Network” providers, while healthcare providers outside of your insurance provider’s PPO are referred to as “Out of Network” providers, and will typically cost you much more than in-network providers. In-Network, Out-of-Network Medical facilities and practitioners that have contracted with the insurance companies to provide discounted rates, direct billing, and other services are considered In-Network (See more about Doctor Networks). Those facilities that have not contracted are considered “Out-of-Network.” The insured will typically save money by using “In-Network” providers and facilities. In-patient A patient admitted for at least a 24-hour residence (or at least overnight) in a medical facility where he is being treated. Insurance Broker An agency or individual who works as an intermediary between a person wanting insurance and one or more insurance companies to guide them in the purchase of insurance. (See Why Work with an International InsuranceBroker) IPMI International Private Medical Insurance or Global Health insurance. J K L Lost Luggage Secondary coverage that is paid when a policy holder’s checked luggage is permanently lost. Aka Loss/Theft, if there is damage to, or loss of, or theft of your checked or stored baggage or personal items (Defined as suitcases, clothing, toiletries, books, photo equipment, mobile phones, and laptops) by a common carrier, or while stored with your hotel. It will also usually include coverage for the replacement costs of travel documents, and sometimes bag tracking. May, or may not, include delayed baggage. Lifetime Maximum The maximum amount an insurance company will pay for all benefits received. The usual limits are $1,000,000; $3,000,000 or $5,000,000 but may be greater or, in some cases, unlimited. Loss Injury or damage sustained by you in consequence of the happening of one or more of the occurrences against which the company has undertaken to indemnify you. M Maximum Policy Coverage Refers to the maximum compensation that will be paid for expenses covered by a policy. Medical Evacuation (MedEvac, medivac) Timely and efficient evacuation and in-route care of ill or injured persons, usually by air transportation, to a place where they can receive adequate medical care. Medically Necessary Treatment that’s appropriate for your illness or injury, consistent with your symptoms, and that can safely be provided to you. It meets the standards of good medical practice and isn’t for your convenience or the provider’s convenience. N Non-Refundable Travel Expenses These are expenses paid for a trip that cannot be reimbursed, and they include accommodation deposits and airline tickets. Natural disaster A large-scale extreme weather or environmental event that damages property, disrupts transportation, or endangers people. Examples include earthquakes, fires, floods, hurricanes, or volcanic eruptions. O Online Fulfillment Electronic communication of Medical ID card, certificate or indication of coverage, information on the policy purchased, how to file a claim, and the insurance company’s contact information. Outpatient A patient who receives medical treatment at a clinic or hospital, but is not admitted for an overnight stay. Out-of-Pocket Expense The total amount that you will pay towards your medical expenses. P Pre-Existing Conditions Refers to medical conditions of policy holders that existed before the insurance policies were purchased: Usually, insurance providers will only provide minimal or no coverage for expenses related to such conditions. Premium The amount paid to purchase a travel insurance plan. The payment can be made in advance, once every month or year, or before every trip. Primary Coverage Form of coverage provides insurance for the policy holder even though you have other coverage. Policy Year The amount of time from the effective date of the policy that comprises one full year. For example, if the effective date begins April 14, 2009, the policy year will end at midnight, April 13, 2010. Political Evacuation Often lumped together with non-medical or security evacuation, political evacuation is for situations where one is either trapped, or expelled, or at risk due to civil uprisings, riots, military coups, political unrest, or being identified as a “persona non grata” in the country you are visiting. Security evacuations (necessary for impending natural disasters, etc.) are different from political evacuations. Political evacuations are for situations of political instability, civil unrest, or military action. Coverage is sometimes dependent on the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, ordering the evacuation of all non-emergency government personnel from the host country. Pre-certification The need to check with the insurance company before receiving medical care, generally for major medical procedures, to confirm if the medical care received will be covered by the insurance company. Premium Payment for insurance, the amount paid by the insured to the insurance company for health insurance coverage. Preventive Care Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations, and immunizations. Q Quarantine Mandatory isolation or restrictions on where you can go, intended to stop a contagious disease from spreading. R Rental Car Insurance Covers theft or damage of a car rented by a policy holder during their trip. It also covers the damage and injury sustained by other people if the policy holder causes an accident. Repatriation Benefit Refers to the coverage of expenses for preparing and sending the deceased person’s body to their own country Rider (Waiver) A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions. S Secondary Coverage Only offers insurance for expenses not included in the primary coverage. Single Trip Plan A policy that provides coverage for only one trip Schedule of Benefits (SOB) A list of the benefits, amount of coverage provided in an insurance policy, usually one or two pages in length. Scheduled Departure Date The date on which you are originally scheduled to leave on the trip. Scheduled Return Date The date on which you are originally scheduled to return to the point of origin or to a different final destination. Sickness An illness or disease which is diagnosed or treated by a physician after the effective date of insurance and while you are covered under the policy. Subrogation Steps the travel insurance company takes, after paying a claim, to collect from other available sources such as other insurance plans or travel suppliers. T Travel Assistance Services Refers to assistance available to a policy holder when they experiences difficulty in a foreign location. It includes: 24-hour emergency phone services, legal assistance, visa and passport assistance, and others. Travel Supplier Bankruptcy or Default Refers to coverage of expenses incurred when a travel supplier goes bankrupt or defaults from providing travel services. Trip Interruption Insurance Provides coverage for policy holders who interrupt or cancel their trips because of acceptable reasons such as injury, illness, death of a relative, flight problem, and others. Terrorism Terrorismis an act or threat of action by a person or group of people, whether acting alone or in connection with an organisation or government, committed for political, religious, ideological or similar purposes intended to influence any government or to frighten the public or any section of it. An 'action' means: violence, damage to property, putting life in danger, creating a public health risk, or disrupting electronic systems or transport services. Trip Cancellation Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for illness, death, or other specific unforeseen circumstances. The “trip cancellation” benefit covers you in the event you have to cancel prior to your trip due to a covered reason listed in your travel insurance policy prior to your departure date. Trip Interruption Trip interruption plans typically reimburse you for pre-paid non-refundable travel expenses if an unexpected crisis (e.g., death of a family member, sickness, airline strike, travel supplier bankruptcy, among other crises) occurs during your trip causing it to be canceled, interrupted or delayed. U Usual, Customary, and Reasonable Charges Average amounts charged by travel insurance providers for certain services, treatments, or procedures in the same locality. Underwriter (1) The company that receives the insurance premium and accepts the responsibility to cover medical costs; (2) The employee in an insurance company who decides whether or not the insurance company should assume the risk of offering the insurance to an individual or group; (3) An insurance agent. Usual, Reasonable & Customary (UCR) The amount an insurance company will pay for a covered medical expense based on the customary charges of all medical providers in a given geographic area for a similar service. V Valuables Jewellery, watches, glasses (including sun glasses), contact lenses, keys, hearing aids, any electric, electrical or electronic items or equipment including their accessories (e.g. mobile phones, laptops, games consoles, portable audio equipment, portable visual equipment, memory sticks, chargers, dongles), any kind of photographic or recording equipment and their accessories (including CDs, DVDs, tapes etc), items made of or containing precious metals or (semi) precious stones, furs, animal skins, antiques, binoculars, telescopes, musical instruments. W Waiting Period A period of time the insured must wait before some or all of the coverages offered in an insurance plan begin and the insured can receive benefits. Waiver (Rider) A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions. Wellness Benefit (Preventive Care, Well-care) Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations and immunizations. X Y Z 需要單程/多程 旅遊 保險？ Seven Corners Travel Medical Insurance - Including USA International Travel to the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, Covid will be treated same as any Illness on both plans. Examples of eligible purchases for Travel Including the USA A non-U.S. resident and non-U.S. citizen is traveling to the USA. A non-U.S. resident and non-U.S. citizens is spending part of their trip in the USA. An Irish citizen and resident is flying to Mexico and has a layover in the USA. A Mexican citizen and resident is driving through the USA to Canada. 2 Plan Levels available Basic Plan Seven Corners Travel Medical Choice The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Seven Corners Travel Medical Global- Excluding USA International Travel outside of the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, along with coverage for COVID-19 Examples of eligible purchases for Travel Medical Global Excluding the USA: Travelers must be non-U.S. residents who are at least 14 days of age or older. You are covered for worldwide trips that exclude the USA, provided you are traveling outside of the country where you have your primary residence A non-U.S. resident and non-U.S. citizen is traveling outside the USA. A French citizen and resident flying to Iceland and returning home. An Australian citizen and resident flying to Europe, Africa, and Canada. 2 Plan Levels Basic & Choice Covid Same as any illness From 14 days old to 64 years old: Options up to $1,000,000; 65 to 79 years old: $50,000; $100,000; 80 years and older: $10,000 The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Safe Travels Explorer Budget-friendly travel protection plan designed for leisure or business travel for domestic and international trips. This plan includes Worldwide 24/7 Emergency Assistance Services, Trip Cancellation and Interruption, $50,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Trip cancellation for US citizens and US Residents travelling to other countries or domestically Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Patriot America Plus COVID-19 coverage for travelers to the U.S. Coverage for non-U.S. residents traveling to the USA Coverage for acute onset of pre-existing conditions Renewable up to 24 months Deductible options from $0 to $2,500 Maximum Limits from $50,000 to $1,000,000 Customize & Buy View Brochure AM Best Rating - A+ Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Patriot Platinum Travel COVID-19 covered same as any other illness Travel medical insurance for individuals, families and groups Coverage for acute onset of pre-existing conditions Renewable up to 36 months Deductible options from $0 to $25,000 Maximum limits from $2,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Safe Travels Voyager (For US Citizens) The Safe Travels Voyager is designed for those who are looking for the highest available benefit limits to protect your trip. This plan covers trips up to $100,000 for trip cancellation and includes a $250,000 per person limit Primary Medical Coverage with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. Includes minimum coverage of $2,000 for potential quarantine accommodations/lodging expenses. COVID-19 MEDICAL EXPENSES may be covered and treated the same as any other sickness. Meets Costa Rica Travel Insurance Requirements. The Optional Cancel for Any Reason (CFAR) provides reimbursement for 75% of the prepaid, non-refundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. This plan is only available to U.S. Citizens and U.S. Residents and can be purchased for a trip cost of $0 to $100,000. It includes $250,000 of primary Medical Coverage and Trip Delay of $2,000 for accommodations/lodging expenses. Upon purchase, you will receive a visa letter that you can upload using this link - https://salud.go.cr - to the Costa Rica Health Pass website and complete the required paperwork to get your QR code to show airport authorities upon arrival to Costa Rica. Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels International (For Non US Citizens) Travel Medical and other benefits, for anyone while traveling from their Home Country but NOT valid for travel from, in, or to the United States of America. Rates are based on age and plan options. Effective 1/28/2021 at 11AM, This plan includes $2,000 of trip delay quarantine lodging expenses and $2,500 of Unexpected Recurrence of a Pre-existing condition benefit. This Coverage can be purchased for a minimum of five (5) days up to a maximum364 days. If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years. COVID-19 EXPENSES, up to the amount selected, are covered and treated as any other sickness. This is stated on the VISA Letter and in the policy wording that you receive with the order. **Plans purchased after January 28, 2021 at 11AM CST meets Costa Rica Rica requirements to get a Health Pass. This plan is not available to US citizens unless they live in the origin country. Customize & Buy View Brochure Underwritten by: Nationwide

Costa Rica Required Travel Insurance The government of Costa Rica has implemented the following requirements for visitors abroad to comply with before entering the country. Our travel insurance plans covers all you need to travel with peace of mind to Costa Rica. 哥斯達黎加 所需的旅行保險 哥斯達黎加政府已實施以下要求，要求國外遊客在進入該國之前遵守以下要求。 哥斯達黎加的 專業旅行政策計劃 對於國際保險單，遊客必須要求保險公司出具英文或西班牙文的證明，至少驗證以下三個條件： Policy Effectiveness of the policy during the visit to Costa Rica. You will need to fill out the electronic epidemiological health pass form before departure. Medical Expenses Coverage for Medical expenses in the event of becoming ill with the pandemic COVID-19 virus while in Costa Rica, for at least $50,000. Minimum Coverage Includes minimum coverage of $2,000 for potential quarantine lodging expenses issued as a result of the pandemic. > 哥斯達黎加 規定 Safe Travels Voyager 計劃僅適用於從美國出發的美國公民和美國居民，旅行費用為 0 至 100,000 美元。它包括 250,000 美元的基本醫療保險和 2,000 美元的旅行延遲隔離住宿/住宿費用。購買後，您將收到一封籤證信以及一份證書，供您出示給哥斯達黎加共和國。 自 2021 年 1 月 26 日起，所有飛往美國的旅客在進入美國之前都需要進行 COVID-19 陰性測試。 在所有乘客登上飛往美國的航班之前，航空公司將負責確認所有乘客的陰性測試結果。 這項強制性測試的費用不在我們任何旅行保險計劃的承保範圍內。 該計劃沒有額外的福利來參加考試。 如果有人沒有及時收到測試結果，這將不屬於承保的旅行延誤/旅行中斷福利。 如果有人檢測結果呈陽性，則可能會因隔離而導致額外住宿的旅行延誤。 需要單程/多程 旅遊 保險？ Safe Travels Voyager (For US Citizens) The Safe Travels Voyager is designed for those who are looking for the highest available benefit limits to protect your trip. This plan covers trips up to $100,000 for trip cancellation and includes a $250,000 per person limit Primary Medical Coverage with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. Includes minimum coverage of $2,000 for potential quarantine accommodations/lodging expenses. COVID-19 MEDICAL EXPENSES may be covered and treated the same as any other sickness. Meets Costa Rica Travel Insurance Requirements. The Optional Cancel for Any Reason (CFAR) provides reimbursement for 75% of the prepaid, non-refundable, forfeited payments you paid for your trip if you cancel your trip for any reason not otherwise covered by this policy. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. This plan is only available to U.S. Citizens and U.S. Residents and can be purchased for a trip cost of $0 to $100,000. It includes $250,000 of primary Medical Coverage and Trip Delay of $2,000 for accommodations/lodging expenses. Upon purchase, you will receive a visa letter that you can upload using this link - https://salud.go.cr - to the Costa Rica Health Pass website and complete the required paperwork to get your QR code to show airport authorities upon arrival to Costa Rica. Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels International (For Non US Citizens) Travel Medical and other benefits, for anyone while traveling from their Home Country but NOT valid for travel from, in, or to the United States of America. Rates are based on age and plan options. Effective 1/28/2021 at 11AM, This plan includes $2,000 of trip delay quarantine lodging expenses and Unexpected Recurrence of a Pre-Existing Medical Condition benefit of $20,000 up to age 65 and $10,000 over age 65. This Coverage can be purchased for a minimum of five (5) days up to a maximum of 364 days. If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years. COVID-19 EXPENSES, up to the amount selected, are covered and treated as any other sickness. This is stated on the VISA Letter and in the policy wording that you receive with the order **Plans purchased after January 28, 2021 at 11AM CST meets Costa Rica Rica requirements to get a Health Pass. This plan is not available to US citizens unless they live in the origin country. Upon purchase, you will receive a visa letter that you can upload using this link - https://salud.go.cr - to the Costa Rica Health Pass website and complete the required paperwork to get your QR code to show airport authorities upon arrival to Costa Rica. Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels International Cost Saver (For Non US Citizens) Travel Medical and other benefits, for anyone while traveling from their Home Country but NOT valid for travel from, in, or to the United States of America. Rates are based on age and plan options. Effective 1/28/2021 at 11AM, This plan includes $2,000 of trip delay quarantine lodging expenses and $2,500 of Unexpected Recurrence of a Pre-existing condition benefit. This Coverage can be purchased for a minimum of five (5) days up to a maximum364 days. If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years. COVID-19 EXPENSES, up to the amount selected, are covered and treated as any other sickness. This is stated on the VISA Letter and in the policy wording that you receive with the order. **Plans purchased after January 28, 2021 at 11AM CST meets Costa Rica Rica requirements to get a Health Pass. This plan is not available to US citizens unless they live in the origin country. Customize & Buy View Brochure Underwritten by: Nationwide 普拉維達！ 哥斯達黎加 在等你。

Annual Travel Medical Insurance Plans. These policies cover you for the period of one full calendar year beginning on the effective date you enter when purchasing coverage. We offer a comprehensive, competitive service with a strong network of leading insurance and financial partners.  多/年度 旅行 旅遊保險 > 您是否經常旅行，但不擔心行程取消、延誤或行程中斷？ 有多種提供年度旅行保險的計劃可供選擇。首先，可以選擇在一年中國際旅行時為您提供保障的旅行醫療計劃。主要醫療保險必須到位才能獲得多次旅行醫療計劃的資格，並且注意每次旅行的最大允許長度也很重要，這因計劃而異。其次，只要您離家超過一定距離（通常為 50-150 英里，取決於計劃），年度緊急疏散會員資格就可以為您提供保障。最後，一些意外死亡計劃提供可選的多次旅行保險。 > 我什麼時候應該考慮年度旅行保險計劃？ 很簡單，如果您在一年內安排了多次旅行。 但是要知道，您必須在兩次旅行之間回家。一次前往多個目的地的旅行不符合年度旅行保險計劃的資格。但是，如果您要回家短暫停留，然後再啟程前往不同地點，您可以考慮制定年度或年度計劃。 > 年度計劃包括什麼類型的保險？ 大多數多程年度計劃主要側重於旅行醫療和緊急疏散保險或僅提供緊急醫療疏散保險。這意味著綜合旅行保險計劃的標準承保範圍通常不包括在內（旅行取消、旅行中斷和旅行延誤）。一些年度多次旅行計劃確實包括有限的行李丟失保險——但不是全部。 如果您正在尋找意外死亡保險，您可以購買多次旅行的意外死亡和傷殘保險。這是一些意外死亡計劃的一個選擇選項，需要額外付費購買。 > 包年 套餐是經常出差的好選擇嗎？ 如果您在一年中多次旅行，您可能正在尋找適合您特定需求的旅行保護。這些需求最有可能集中在出國旅行時的緊急醫療護理上。 年度或年度旅行保險計劃是一個完美的解決方案。在海外旅行時，您的主要醫療計劃可能不承保您。年度旅行保險計劃可以幫助抵消承保的醫療保健需求的費用。與往常一樣，如有任何具體的旅行保險問題，請聯繫我們的客戶服務專家。 需要單程/多程 旅遊 保險？ GeoBlue Trekker Annual Plan (For US citizens and residents) GeoBlue Trekker Multitrip Annual Plan Americans traveling overseas multiple times annually $1,000,000 medical limit. $500,000 medical evacuation benefit. Coverage of COVID-19 testing and treatment. Covers pre-existing conditions for medical services and medical evacuation. Unlimited trips outside the U.S. in a 12 month period (70 days max. per trip). Requires a primary health plan Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Seven Corners Travel Medical Annual Multi-Trip Seven Corners Travel Medical — Annual Travel Insurance Annual travel insurance with Coronavirus coverage. Includes 24 hour multilingual travel assistance, help finding a doctor, and evacuation if necessary. Seven Corners Travel Medical Annual Multi-Trip also includes $1 million of additional coverage for emergency medical evacuation and repatriation. Purchase coverage once a year and travel as often as you like for unlimited trips up to 30, 45, 60 days per trip Customize & Buy View Brochure AM Best Rating A (Excellent) Underwriter: Lloyd’s, London Patriot Multi Trip Annual multi-trip travel medical insurance for individuals, families and groups Deductible of $250 Maximum limit of $1,000,000 Coverage for multiple trips up to 30 or 45 days Flexibility to travel as many times per year Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's HTH Multi / Annual Trip Americans traveling overseas multiple times annually $1,000,000 medical limit. $500,000 medical evacuation benefit. Coverage of COVID-19 testing and treatment. Covers pre-existing conditions for medical services and medical evacuation. Unlimited trips outside the U.S. in a 12 month period (70 days max. per trip). Requires a primary health plan; however, the primary plan does not need to be a Blue Cross and/or Blue Shield medical plan in order to be eligible. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Safe Travels Basic Annual Just the necessities. Our Basic level includes our Worldwide 24/7 Emergency Assistance Services, up to $2,500 per Annual Policy Term for Trip Cancellation and Interruption, $10,000 coverage for Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 EXPENSES are covered and treated as any other sickness. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Deluxe Annual The Annual Deluxe Plan features everything in the Basic plan plus we have included Itinerary Change coverage. This plan features $5,000 for Trip Cancellation per Annual Policy Term and Interruption and $20,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Executive Annual The Executive Plan offers all the benefits of both Basic and Deluxe level coverage plus coverage for Sports Equipment Rental! There’s more! $10,000 for Trip Cancellation and Interruption. $50,000 for Emergency Medical Expense, $1,000 for baggage. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide

When people think of travel insurance, they are generally looking for a plan to protect their vacation. Vacation Plans may also be referred to as Packaged Plans, Travel Insurance, Trip Cancellation Insurance, or Trip Insurance. Visit our resources page to help guide you on Travel insurance terminology. 需要單程/多程 旅遊 保險？ 當人們想到旅行保險時，他們通常會尋找一個計劃來保護他們的假期。假期計劃也可稱為打包計劃、旅行保險、旅行取消保險或旅行保險。這些計劃佔旅行保險銷售額的 94% 以上，因為它們為旅行者正在尋求的內容提供保險，這通常是由於延遲、取消、丟失等多種不同原因，下面將詳細描述。 綜合的 計劃 具有旅行取消和旅行醫療選項的計劃，這些提供的覆蓋範圍最大，因此通常是最昂貴的。 有限 或旅行醫療計劃 如果您在旅行期間生病或受傷，將提供承保的計劃。大多數常規健康保險計劃在您出國旅行時提供部分承保或不承保。旅行醫療保險計劃提供超出常規醫療服務提供者的承保範圍。這些計劃可能並不總是包括行程取消的承保。 專業 計劃 具有特殊保險的計劃，例如意外死亡或肢解（可能包括疏散，但通常不包括因戰爭行為導致的死亡或肢解的保險）。其中一些計劃還可能包含旅行取消和/或醫療保險。雖然有許多特殊計劃可供您選擇以滿足您的獨特需求，但大多數情況下，這些計劃對於大多數度假的旅行者來說太窄了。 如果滿足以下要求，上述任何計劃也可能有資格 在進入多個歐洲國家之一時 獲得申根簽證： 醫療緊急情況的承保額必須至少為 30,000 歐元（約 50,000 美元）並且對所有申根國家有效。 必須涵蓋任何醫療、住院、醫療後送和醫療遣返美國的費用。 必須說明醫療後送、醫療送返和遺體送返的事實 僅接受您的醫療保健提供者出具的保險確認書。不接受您雇主的確認信。 綜合計劃 綜合計劃是最常見的。 根據我們的經驗，超過 90% 的旅行者選擇此選項。 這些計劃結合了 Travel Medical 計劃的所有好處和旅行取消選項。 行程取消選項讓您能夠在行程開始前取消行程，並獲得 100% 的不可退還的預付行程費用的報銷。旅行取消的承保原因有很多（查看您的保險證明以查看所有承保的原因），但最常見的是突然生病或受傷阻止您旅行。這通常也適用於您的家人和旅伴。 如果您的旅伴或家人生病或受傷，您可以取消行程。符合條件的家庭成員因承運人而異，因此請查看您的保險證明以確定哪些家庭成員包括在行程取消承保範圍內。 如果您的醫療狀況在回溯期內以任何方式得到治療或改變，在某些情況下，您可能仍有資格獲得旅行取消保險，即購買包含既往醫療狀況豁免的計劃。為避免風險，您必須在支付旅行的初始押金後 10-21 天內（取決於保險公司）購買旅行保險。 即使您在最後一次付款前或在最後一次付款後 1 天內購買旅行保險，也有一些計劃可以為您提供預先存在的醫療狀況豁免。我們的軟件將幫助您輕鬆解決這個問題。另請注意，原有疾病豁免的額外要求是，保險金額必須不少於您不可退還的預付旅行費用的 100%。總體而言，綜合計劃選項可在您旅行前和旅行期間提供最高保護，涵蓋旅行取消和中斷、旅行延誤、錯過轉機、醫療緊急情況、醫療和非醫療後送、行李丟失或延誤、24 小時援助等. 行程取消選項通常是人們購買保險的主要原因，但它給保險公司帶來的風險最高，因此會給您帶來最大的保險費用。 為了限制因醫療原因取消旅行時保險提供者面臨的風險，保險公司引入了預先存在的醫療條件條款。 既存疾病被歸類為您在購買旅行保險之前“x”天內接受過治療的醫療問題。不同的保險公司設置了不同的“x”天——這被認為是回溯期。 有限計劃或旅行醫療 這些計劃為您提供主要但不僅限於在您本國以外旅行時的醫療保險。當您在國外時，您的常規健康保險很可能只提供非常有限的承保範圍或根本沒有承保範圍，而旅行醫療計劃旨在填補您旅行過程中的這一空白。與購買包含旅行取消保險的綜合計劃相比，購買此類計劃的主要好處是成本。根據您的實際選擇和承保限制，旅行醫療計劃的費用可能只是綜合計劃費用的一小部分。 一些 Travel Medical 計劃還可能對旅行中斷、旅行延誤、行李、醫療緊急情況和疏散提供全額承保，而其他計劃可能只對醫療緊急情況和疏散提供承保。一些 Travel Medical 計劃的人壽保險範圍也可能有限。 旅行醫療計劃與綜合計劃具有相同或相似的條款預先存在的醫療條件。大多數情況下，您可以在支付旅行的初始押金後 10-21 天內（取決於保險公司）購買旅行保險來避免風險。我們的軟件將幫助您輕鬆解決這個問題。 一些旅行醫療計劃可能提供可更新的保護以及長期出國旅行的承保。 請注意，當您出國旅行時，您的健康保險可能不承保。許多私營公司以及醫療保險和醫療補助計劃不承保國外的緊急治療。如果沒有旅行保險，如果發生緊急情況，您和您的家人可能會產生需要自掏腰包的醫療費用。 這些旅行醫療計劃通常在 3 種情況下 選擇： 1 2 3 出發前所剩時間不多，取消行程的可能性很小，您願意承擔風險 您身體健康，具有較高的風險承受能力。降低保險費用的好處大於旅行賠錢的風險 旅行非常重要以至於無法取消旅行的罕見情況。只有重傷才能阻止您旅行，但不會因疾病而阻止您旅行。您必須具有一定的風險承受能力。 專業計劃 如果您不關心旅行取消或醫療費用，或者不想承擔綜合計劃的費用，但確實想減輕某些特定風險，那麼有可能最適合您的特殊計劃。 這些可能是 僅限航班 意外死亡或肢解 避難專用 租車計劃 疏散計劃側重於緊急疏散，通常以會員身份每年出售一次。有了疏散計劃，公司會安排運輸，您不會因為昂貴的緊急疏散而損失儲蓄。 事故計劃為旅行者提供人壽保險式的保障。如果您受到嚴重傷害，導致肢解或喪生，它會支付福利。這些意外計劃支付的福利是在單獨的人壽保險計劃支付的任何福利之外的。

IMG is an award-winning provider of global insurance benefits and assistance services. Since 1990, IMG have supported millions of people in almost every country by providing world-class products, customer service and benefits. IMG 是一家屢獲殊榮的全球保險福利和援助服務提供商。 25 多年來，它們通過提供他們需要的保護和他們應得的支持，使成員減少了擔憂並獲得了更多體驗。自 1990 年以來，IMG 通過提供世界一流的產品、客戶服務和福利，為幾乎每個國家的數百萬人提供了支持。 Visit website 為什麼選擇 IMG保險 IMG 知道出國旅行的原因多種多樣——這就是為什麼他們的產品也是如此。他們提供國際醫療保險產品的全方位服務方法包括為度假者、短期或長期在國際上工作或生活的人、經常在國家之間旅行的人以及擁有多個居住國的人提供服務。 由國際多語種專家和訓練有素的客戶服務專業人員組成的敬業團隊通過他們想要的服務支持會員所需的好處。 IMG 提供全系列的旅行保護計劃，包括iTravelInsured Travel Lite 、 iTravelInsured Travel SE 和iTravelInsured Travel LX ，為旅行取消、行李延誤、旅行中斷、醫療福利和許多其他與旅行相關的事件提供不同級別的保險和花費。這些計劃旨在保護您在旅行前或旅行期間發生不良事件時免受經濟損失。 > 計劃非常適合 國際旅客 遊輪 野生動物園和導遊 假期/假期 訪客/移民 雇主/商務旅客 > 全線旅遊保障計劃 iTravel 保險旅行 Lite , iTravelInsured Travel SE iTravelInsured Travel LX 綜合 計劃 iTravelInsure Plan Budget level plan for price-conscious travelers Trip cancellation benefit up to 100% of trip cost Trip interruption benefit up to 125% of trip cost Emergency medical expense, evacuation, and reunion benefits $500 for travel delay Customize & Buy View Brochure Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's iTravelInsure Travel SE Family-friendly plan for domestic and international destinations Trip cancellation benefit up to 100% of trip cost Trip interruption benefit up to 150% of trip cost $500 for travel delay $500,000 coverage for emergency medical evacuation Customize & Buy View Brochure Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's iTravelInsure Travel LX Up to $100,000 per person coverage for trip cancellation Trip interruption benefit up to 150% of trip cost $1,000 for travel delay $1,000,000 coverage for emergency medical evacuation Cancel and interruption for any reason benefit available as an optional upgrade Customize & Buy View Brochure Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's 醫療旅行計劃 Patriot Medical Travel Travel medical insurance for individuals, families, and groups Renewable up to 24 months Deductible options from $0 to $2,500 Maximum limits from $50,000 to $1,000,000 Coverage for medical expenses, evacuation, and repatriation Customize & Buy View Brochure AM Best Rating - A+ Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Patriot America Plus COVID-19 coverage for travelers to the U.S. Coverage for non-U.S. residents traveling to the USA Coverage for acute onset of pre-existing conditions Renewable up to 24 months Deductible options from $0 to $2,500 Maximum Limits from $50,000 to $1,000,000 Customize & Buy View Brochure AM Best Rating - A+ Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Patriot Platinum Travel COVID-19 covered same as any other illness Travel medical insurance for individuals, families and groups Coverage for acute onset of pre-existing conditions Renewable up to 36 months Deductible options from $0 to $25,000 Maximum limits from $2,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Patriot Multi Trip Annual multi-trip travel medical insurance for individuals, families and groups Deductible of $250 Maximum limit of $1,000,000 Coverage for multiple trips up to 30 or 45 days Flexibility to travel as many times per year Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Travel Medical Insurance Seniors 65y+ Travel medical insurance for travelers age 65+ GlobeHopper Senior Single-Trip is extendable up to 12 months Deductible options from $0 to $2,500 Maximum limits from $50,000 to $1,000,000 Two plan designs – Single-Trip and Multi-Trip Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Global Medical Insurance Long-term (1+ year) worldwide medical insurance for individuals and families Annually renewable medical coverage Deductible options from $100 to $25,000 Maximum limit options from $1,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Global Crew Medical Long-term (1+ year) worldwide medical insurance for marine captains & crew members Annually renewable medical coverage Deductible options from $100 to $25,000 Maximum limits from $1,000,000 to $8,000,000 Premium modes to schedule the frequency of payment that meets your needs Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's International Marine Medical Worldwide group coverage for professional marine crew $5,000,000 maximum benefit per insured person per period of coverage Primary to the vessel's Protection and Indemnity insurance (P&I) Coverage for individuals and dependents Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's 專業計劃 Patriot Exchange Program Medical insurance for students studying abroad or participants of cultural exchange programs Deductible options from $0 to $500 Maximum limit of $5,000,000 Most plan options are designed to meet the U.S. J1 and J2 visa travel insurance requirements Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Student Health Advantage Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Deductible of $100 Maximum limit for student: $500,000 Provides coverage for mental health, organized sports and pre-existing conditions Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's Student Health Advantage Platinum Medical insurance for international students or scholars participating in a sponsored study abroad program Coinsurance in PPO network or student health center within the U.S.: Company pays 100% Maximum limit for student: $1,000,000 Provides coverage for mental health, organized sports and pre-existing conditions Customize & Buy View Brochure AM Best Rating A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's 訪問他們的網站，了解所有可用的計劃和福利 訪問網站 想投保 IMG保險？ IMG 保險的 聯繫信息 > 客戶服務 866-263-0669 索賠電子郵件 延長或更新覆蓋範圍 > 索賠電子郵件 請參閱 IMG 文件上的傳真號碼、電子郵件地址或郵寄地址。 供應商索賠網站 緊急援助 >郵寄至 北子午街2960號 印第安納波利斯, IN 46208 提出索賠 找醫生/醫院

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Visit our resources page to help guide you on Travel insurance terminology. 需要單程/多程 旅遊 保險？ Do I need Travel Insurance? Travel is unpredictable, even at the best of times. Travel insurance helps to protect you against the unexpected. If your trip is canceled unexpectedly or ends early, would you be able to easily accept the financial loss? Or, if someone in your party required evacuation due to a medical issue, could you cover that expense? Travel insurance can help with these concerns and many more. Why is comparing travel insurance important? Travel insurance is unique and varies depending on the details of your trip. The best policy covers only what you need at a price that fits your budget. You can compare dozens of providers on our site using our comparison engine, filtering for only the specific coverage options you want. If you need help, our licensed travel insurance agents can assist you in comparing plans and reading the fine print for you to help explain the exclusions. What coverage do I need? That depends entirely on you. Are there pre-paid, non-refundable trip costs you are unwilling to lose? What unpredictable expenses would you not be able to cover? Reasons that might cause an unexpected cancellation? Different plans and options are available for various concerns and coverages that you may need. Does travel insurance cover covid 19 illness? There are some USA Covid travel insurance plans available for travel that cover covid 19 as a new illness. International travelers can compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country. What you need to know about travel exclusions If pandemics or epidemics aren’t always excluded why are people getting surprised by their policy’s coverage? For the most part, people are not cancelling their trips because there are illnesses in the world. There have always been serious illnesses in different places and most people have opted not to go to those places. Instead, you’re likely being forced to change your travel plans due to any one or a combination of these common Travel Insurance Exclusions: A government regulation, mandate or prohibition Failure of any tour operator, common carrier, person or agency to provide the bargained-for travel arrangements. If a travel supplier changes the itinerary, but still gives you a similar trip or a future travel credit or waives the change fees, there’s no payable claim. Changes in plans by the Insured, a Family Member, or Traveling Companion, for any not-covered reason; unless the optional Cancel for Any Reason coverage was purchased. Fear, worry, concern about something that might happen on the trip. Read this if your doctor’s suggesting you don’t take your trip: Don’t Cancel for Your Own Medical Reasons If You’re Not Ill or Injured What's the difference between travel insurance and travel medical insurance? Travel insurance is a great way to protect your financial investment for your trip. Travel benefits can provide coverage for prepaid, non-refundable trip costs and some plans also offer limited medical coverage benefits. Travel medical insurance is primarily used for short term medical coverage when you are traveling outside of your home country. Your domestic insurance plan often does not provide coverage for you in foreign countries. If you were to fall ill or get in an accident, you could have to pay out-of-pocket for those expenses. Travel Insurance may provide coverage* for items such as: Prepaid, non-refundable expenses Trip cancellation** Travel delay Trip interruption Lost or stolen luggage Emergency medical evacuation* Accident and sickness medical expenses* How Travel, Trip, Cruise Cancellation Insurance Works" Trip Cancellation Insurance coverage: You, a close family member or a traveling companion gets hurt or sick before you leave (your medical records must substantiate what happened to you). Travel Insurance reimburses you the money you lose. This may include pre-existing medical conditions. Other events that could cause you to cancel your trip are: you’re required to work or natural disasters. Trip Interruption Insurance coverage: You, a close family member or a traveling companion gets hurt or sick during your trip and you have to return home early. Before the trip it’s trip cancellation. During the trip it’s trip interruption. Our plans provide coverage for the unused value of your trip and the cost of one-way airfare up to the plan’s limit. Emergency Medical & Evacuation Insurance coverage: You get ill or injured (ie – hit by a cement truck) on your trip. Travel Insurance can reimburse you your medical expenses including medical transportation home. Our plans won’t leave you in a foreign country. See why Medicare doesn’t cover you outside the USA. A Trip Delay forces you to have extra meal and accommodation expenses when you are delayed up to 6 or 12 hours (varies by plan) getting to your destination or returning home as scheduled. Your luggage is delayed, lost, stolen or damaged. If your checked luggage doesn’t arrive within 12 or 24 hours (varies by plan), you may be reimbursed for items you need to buy. Or if it’s damaged or never arrives, most policies provide coverage. You are able to get a “Cancel For Any Reason” plan to cover any possible reason to cancel your trip including: you change your mind, you’re afraid to travel, you just don’t want to go. Is the coverage offered by my credit card sufficient? Enter your answer here Do you need trip cancellation? Trip insurance (also called Trip Cancellation or Comprehensive Travel Insurance) covers cancellations, interruptions, baggage, delays, medical, evacuation, and more. Travel Insurance with Trip Cancellation coverage will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.) that you have insured, should you cancel your trip before departure for an unforeseen covered reason. Check out these plans below! Trip Cancellation | Travel with Insurance Are you looking for travel insurance for sports / adventure travel? We've got the perfect plans! Check these out our recommended travel insurance plans below Are you traveling long term? Expatriates, Marine Crew, Missionary? We have narrowed down your search to these recommended plans for you to select from. Are you a student looking for travel insurance? As an international student, peace of mind is a priority when you study abroad. Your educational adventure or cultural exchange program should be an enjoyable experience. These plans are designed to specifically meet the needs of international students, scholars, and people involved in long-term educational and cultural exchange programs. Plans that offer a robust package of benefits while outside your home country. Do you need help with a claim? Please send us your full name, contact details and most importantly - your policy number so that our team can assist you promptly! Are you traveling in a group? Looking for the best rates? We've got you covered! Group travel insurance policies offer comprehensive benefits to cover travelers' main concerns, including Trip Cancellation and Trip Interruption, Emergency Medical, Medical Evacuation, and Travel Delay coverage. Check out our recommended plans below Are you going on a cruise? Need the best coverage? Now that sounds like an adventure! Let's get you covered with the best travel insurance plans available. . There are often cancellation penalties tied to travel purchases, especially cruise trips, and you could get a portion of your trip costs back or none at all. Those penalties tend to get more severe as the departure date gets closer. This is where Trip Cancellation coverage can help you. Check out our recommended cruise insurance plans below Do you need medical evacuation and repatriation plans? This type of plan covers the expenses and associated services for your emergency medical evacuation or repatriation back to your home country. Are you still unsure which plan is best for you? That's ok! We're here to help! If you're anything like us and enjoy speaking to a human, please leave your name and best way to contact you and one of our friendly TWI agents will reach out to you. We will help you go through the various options and best insurance plans for your trip. Or alternatively, send us an email with your trip details and we will assist you personally in getting the perfect plan for your trip. Traveling to Costa Rica? Such a beautiful place! We've got you covered! Check out these travel insurance plans specifically designed for traveling to Costa Rica. A Annual Multi-Trip Plan Provides coverage for all trips made within a year. B Baggage and Personal Effects Coverage Covers a policy holder’s baggage, passport, credit cards, and personal effects. Benefits The amount a beneficiary receives from the insurance provider after a claim has been filed. Benefit Period The period of time during which the insured receives compensation from their insurance company for medical purposes, and can vary from policy to policy. For example, one policy may state that your benefit period begins the day you are hospitalized for a serious illness and ends 30 days after you stop receiving treatment. C Co-Insurance or Co-Pay Refers to the amount paid by the policy holder after payment of the deductible is completed. Common Carrier Any land, sea, or air conveyance operating under a valid license for the transportation of passengers for hire. Continuous Coverage Health insurance coverage that is not interrupted by a lapse of a predetermined number of days. Coverage Area The geographical region where an insurance policy is in effect. Covered Expenses Expenses that the insurance company agrees to cover based on the insurance policy purchased. A summary of “covered expenses” will be listed in the Schedule of Benefits. Covered Reasons The specific situations and events that are covered by a specific coverage or policy. D Deductible The amount a policy holder is required to pay before the insurance provider starts making payment. It can be a yearly amount, an amount based on the duration of the policy, or amount based on incident. Death Benefit (Survivor Benefit) The total compensation that is paid to the beneficiary of the life insurance plan when the insured passes away. Dependent Usually a spouse and/or children who are legally dependent on the insured. Depending on the insurance plan, dependents may qualify for insurance coverage on the insured’s policy. E Emergency Benefits Provides coverage for expenses incurred when a person is transported to a place where they receive immediate medical attention. Evacuation: Emergency Evacuation Categories Emergency medical evacuation (to the nearest qualified medical facility that can handle the medical condition) Medical due to outbreaks, epidemics The threat of natural disaster Political evacuation due to civil unrest (treated separately) Includes expenses for reasonable transportation (either public transport or private as reasonable based on the condition) resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred. Sometimes includes remote transportation in the event of a diagnosis of a critical medical condition that is not necessarily immediately life-threatening, but severe enough that it could result in death or a permanent disability if not treated right away. Any medical treatment (after any deductibles) is usually paid from your medical insurance benefit. May also include an Emergency Reunion Benefit, or Return of Minor Children. Emergency Reunion Coverage Covers the traveling and accommodation expenses incurred when a friend or family member of an ill or injured policy holder travels to visit them. Exclusions Expenses the insurance provider will not cover, and they usually include expenses that result from participation in high-risk sports or recreational activities. Effective Date The date when the insurance coverage becomes effective. Elimination Period (Waiting Period) the period of time between the insured’s accident and the arrival of benefit payments. For example, if you broke your leg in January and received your first benefit payment in February, the elimination period would be one month. Epidemic An outbreak of a contagious disease that spreads rapidly and widely and that is identified as an epidemic by The Centers for Disease Control and Prevention (CDC). Exclusions Cases under which an insurance provider does not provide coverage to the insured. For example, an insurance company may include an exclusion for car accidents if the insured is driving under the influence. Expatriate Insurance Expat insurance policies designed to cover financial losses that expatriates face while living and working in a country other than their own. F Family Plans Plans that cover every member of a family who is traveling, and they usually come with discounted rates. G Grace Period A period of time after an insurance premium payment is due during which the insured can fully enjoy the insurance coverage without incurring an additional fee. Grace periods can range from 24 hours to 30 days, and after their expiration, the insured will be required to pay an additional fee. H Hazardous Sports and Activities Coverage Refers to coverage of medical expenses incurred to treat a policy holder who becomes injured because of participation in hazardous sports and activities, such as: sky diving, scuba diving, or rock climbing HIPAA The Health Insurance Portability and Accountability Act. This is also known as the Kassebaum-Kennedy Act enacted by the US Congress in 1996. It includes basic requirements for health insurance privacy and portability of health insurance, thus avoiding the exclusion of coverage for pre-existing medical conditions. Hospital Indemnity Hospital indemnity will provide $$ for each night you spend in the hospital as an inpatient when receiving treatment for a covered illness or injury. Hospital indemnity benefits are typically not subject to a deductible or coinsurance and are in addition to the payments for other covered expenses. I Insured The individual who is covered by the travel insurance policy. Individual Plans Plans that provide coverage for only one person. Inflation Protection A feature of certain insurance policies whereby the value of benefits increases by a certain, pre-defined percentage during specific time periods to assure that insurance coverage grows at the same pace as inflation. Insurance Provider Network The grouping of hospitals, doctors, and other health care providers that the insured will receive the maximum insurance coverage from working with. Health Maintenance Organization (HMO) – an insurance provider plan that typically limits customers to receiving insurance coverage only when working with one specific network provider. Preferred Provider Organization (PPO, or Participating Provider Organization) – an organization of hospitals, doctors, and other health care providers who have agreed to provide health care at reduced rates to clients of a particular insurance provider. Healthcare providers who fall into your provider’s PPO are often referred to as “In-Network” providers, while healthcare providers outside of your insurance provider’s PPO are referred to as “Out of Network” providers, and will typically cost you much more than in-network providers. In-Network, Out-of-Network Medical facilities and practitioners that have contracted with the insurance companies to provide discounted rates, direct billing, and other services are considered In-Network (See more about Doctor Networks). Those facilities that have not contracted are considered “Out-of-Network.” The insured will typically save money by using “In-Network” providers and facilities. In-patient A patient admitted for at least a 24-hour residence (or at least overnight) in a medical facility where he is being treated. Insurance Broker An agency or individual who works as an intermediary between a person wanting insurance and one or more insurance companies to guide them in the purchase of insurance. (See Why Work with an International InsuranceBroker) IPMI International Private Medical Insurance or Global Health insurance. J K L Lost Luggage Secondary coverage that is paid when a policy holder’s checked luggage is permanently lost. Aka Loss/Theft, if there is damage to, or loss of, or theft of your checked or stored baggage or personal items (Defined as suitcases, clothing, toiletries, books, photo equipment, mobile phones, and laptops) by a common carrier, or while stored with your hotel. It will also usually include coverage for the replacement costs of travel documents, and sometimes bag tracking. May, or may not, include delayed baggage. Lifetime Maximum The maximum amount an insurance company will pay for all benefits received. The usual limits are $1,000,000; $3,000,000 or $5,000,000 but may be greater or, in some cases, unlimited. Loss Injury or damage sustained by you in consequence of the happening of one or more of the occurrences against which the company has undertaken to indemnify you. M Maximum Policy Coverage Refers to the maximum compensation that will be paid for expenses covered by a policy. Medical Evacuation (MedEvac, medivac) Timely and efficient evacuation and in-route care of ill or injured persons, usually by air transportation, to a place where they can receive adequate medical care. Medically Necessary Treatment that’s appropriate for your illness or injury, consistent with your symptoms, and that can safely be provided to you. It meets the standards of good medical practice and isn’t for your convenience or the provider’s convenience. N Non-Refundable Travel Expenses These are expenses paid for a trip that cannot be reimbursed, and they include accommodation deposits and airline tickets. Natural disaster A large-scale extreme weather or environmental event that damages property, disrupts transportation, or endangers people. Examples include earthquakes, fires, floods, hurricanes, or volcanic eruptions. O Online Fulfillment Electronic communication of Medical ID card, certificate or indication of coverage, information on the policy purchased, how to file a claim, and the insurance company’s contact information. Outpatient A patient who receives medical treatment at a clinic or hospital, but is not admitted for an overnight stay. Out-of-Pocket Expense The total amount that you will pay towards your medical expenses. P Pre-Existing Conditions Refers to medical conditions of policy holders that existed before the insurance policies were purchased: Usually, insurance providers will only provide minimal or no coverage for expenses related to such conditions. Premium The amount paid to purchase a travel insurance plan. The payment can be made in advance, once every month or year, or before every trip. Primary Coverage Form of coverage provides insurance for the policy holder even though you have other coverage. Policy Year The amount of time from the effective date of the policy that comprises one full year. For example, if the effective date begins April 14, 2009, the policy year will end at midnight, April 13, 2010. Political Evacuation Often lumped together with non-medical or security evacuation, political evacuation is for situations where one is either trapped, or expelled, or at risk due to civil uprisings, riots, military coups, political unrest, or being identified as a “persona non grata” in the country you are visiting. Security evacuations (necessary for impending natural disasters, etc.) are different from political evacuations. Political evacuations are for situations of political instability, civil unrest, or military action. Coverage is sometimes dependent on the United States Department of State, Bureau of Consular Affairs, or similar government organization of the insured person’s home country, ordering the evacuation of all non-emergency government personnel from the host country. Pre-certification The need to check with the insurance company before receiving medical care, generally for major medical procedures, to confirm if the medical care received will be covered by the insurance company. Premium Payment for insurance, the amount paid by the insured to the insurance company for health insurance coverage. Preventive Care Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations, and immunizations. Q Quarantine Mandatory isolation or restrictions on where you can go, intended to stop a contagious disease from spreading. R Rental Car Insurance Covers theft or damage of a car rented by a policy holder during their trip. It also covers the damage and injury sustained by other people if the policy holder causes an accident. Repatriation Benefit Refers to the coverage of expenses for preparing and sending the deceased person’s body to their own country Rider (Waiver) A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions. S Secondary Coverage Only offers insurance for expenses not included in the primary coverage. Single Trip Plan A policy that provides coverage for only one trip Schedule of Benefits (SOB) A list of the benefits, amount of coverage provided in an insurance policy, usually one or two pages in length. Scheduled Departure Date The date on which you are originally scheduled to leave on the trip. Scheduled Return Date The date on which you are originally scheduled to return to the point of origin or to a different final destination. Sickness An illness or disease which is diagnosed or treated by a physician after the effective date of insurance and while you are covered under the policy. Subrogation Steps the travel insurance company takes, after paying a claim, to collect from other available sources such as other insurance plans or travel suppliers. T Travel Assistance Services Refers to assistance available to a policy holder when they experiences difficulty in a foreign location. It includes: 24-hour emergency phone services, legal assistance, visa and passport assistance, and others. Travel Supplier Bankruptcy or Default Refers to coverage of expenses incurred when a travel supplier goes bankrupt or defaults from providing travel services. Trip Interruption Insurance Provides coverage for policy holders who interrupt or cancel their trips because of acceptable reasons such as injury, illness, death of a relative, flight problem, and others. Terrorism Terrorismis an act or threat of action by a person or group of people, whether acting alone or in connection with an organisation or government, committed for political, religious, ideological or similar purposes intended to influence any government or to frighten the public or any section of it. An 'action' means: violence, damage to property, putting life in danger, creating a public health risk, or disrupting electronic systems or transport services. Trip Cancellation Provides reimbursement for non-refundable trip payments and deposits if a trip is canceled for illness, death, or other specific unforeseen circumstances. The “trip cancellation” benefit covers you in the event you have to cancel prior to your trip due to a covered reason listed in your travel insurance policy prior to your departure date. Trip Interruption Trip interruption plans typically reimburse you for pre-paid non-refundable travel expenses if an unexpected crisis (e.g., death of a family member, sickness, airline strike, travel supplier bankruptcy, among other crises) occurs during your trip causing it to be canceled, interrupted or delayed. U Usual, Customary, and Reasonable Charges Average amounts charged by travel insurance providers for certain services, treatments, or procedures in the same locality. Underwriter (1) The company that receives the insurance premium and accepts the responsibility to cover medical costs; (2) The employee in an insurance company who decides whether or not the insurance company should assume the risk of offering the insurance to an individual or group; (3) An insurance agent. Usual, Reasonable & Customary (UCR) The amount an insurance company will pay for a covered medical expense based on the customary charges of all medical providers in a given geographic area for a similar service. V Valuables Jewellery, watches, glasses (including sun glasses), contact lenses, keys, hearing aids, any electric, electrical or electronic items or equipment including their accessories (e.g. mobile phones, laptops, games consoles, portable audio equipment, portable visual equipment, memory sticks, chargers, dongles), any kind of photographic or recording equipment and their accessories (including CDs, DVDs, tapes etc), items made of or containing precious metals or (semi) precious stones, furs, animal skins, antiques, binoculars, telescopes, musical instruments. W Waiting Period A period of time the insured must wait before some or all of the coverages offered in an insurance plan begin and the insured can receive benefits. Waiver (Rider) A formal written statement by the insurance company to the insured amending and modifying coverage, e.g., adding or excluding coverage. It could involve waiving coverage for a certain medical condition like cancer, hepatitis or adding coverage for such conditions. Wellness Benefit (Preventive Care, Well-care) Medical care given in advance of symptoms to prevent illness or injury. Generally includes emphasis on healthy behavior, regular testing, screening for diseases, routine physical examinations and immunizations. X Y Z

All recommended adventure and sports travel insurance plans cover typical vacation activities.If you plan to participate in more adventurous activities when you travel, consider buying this additional optional coverage. 冒險運動 旅行 您經常出差，但不擔心行程取消、延誤或行程中斷的問題嗎？ 有多種提供年度旅行保險的計劃可供選擇。首先，可以選擇在一年中國際旅行時為您提供保障的旅行醫療計劃。主要醫療保險必須到位才能獲得多次旅行醫療計劃的資格，並且注意每次旅行的最大允許長度也很重要，這因計劃而異。其次，只要您離家超過一定距離（通常為 50-150 英里，取決於計劃），年度緊急疏散會員資格就可以為您提供保障。最後，一些意外死亡計劃提供可選的多次旅行保險。 > 我什麼時候應該考慮年度旅行保險計劃？ 很簡單，如果您在一年內安排了多次旅行。 但是要知道，您必須在兩次旅行之間回家。一次前往多個目的地的旅行不符合年度旅行保險計劃的資格。但是，如果您要回家短暫停留，然後再啟程前往不同地點，您可以考慮制定年度或年度計劃。 > 年度計劃包括什麼類型的保險？ 大多數多程年度計劃主要側重於旅行醫療和緊急疏散保險或僅提供緊急醫療疏散保險。這意味著綜合旅行保險計劃的標準承保範圍通常不包括在內（旅行取消、旅行中斷和旅行延誤）。一些年度多次旅行計劃確實包括有限的行李丟失保險——但不是全部。 如果您正在尋找意外死亡保險，您可以購買多次旅行的意外死亡和傷殘保險。這是一些意外死亡計劃的一個選擇選項，需要額外付費購買。 > 包年 套餐是經常出差的好選擇嗎？ 如果您在一年中多次旅行，您可能正在尋找適合您特定需求的旅行保護。這些需求最有可能集中在出國旅行時的緊急醫療護理上。 年度或年度旅行保險計劃是一個完美的解決方案。在海外旅行時，您的主要醫療計劃可能不承保您。年度旅行保險計劃可以幫助抵消承保的醫療保健需求的費用。與往常一樣，如有任何具體的旅行保險問題，請聯繫我們的客戶服務專家。 需要單程/多程 旅遊 保險？ GolfSafe Travel Protection You need to be 100% focused on your game to play a great round of golf by avoiding countless hazards on and off the course. That is why TravelSafe created a product specifically for the modern golfer – GolfSafe Travel Protection. Since 1971, TravelSafe Insurance has been helping travelers manage the risks associated with travel. Now, you can protect your trip, yourself, and your equipment from unexpected hazards with travel protection made for golfers, by golfers. Customize & Buy View Brochure Underwritten By: Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, OH. Patriot Platinum Travel COVID-19 covered same as any other illness Travel medical insurance for individuals, families and groups Coverage for acute onset of pre-existing conditions Renewable up to 36 months Deductible options from $0 to $25,000 Maximum limits from $2,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's SafeTreker Sport Provides coverage for some Hazardous Sports, including skydiving; hang-gliding; parachuting; mountaineering; bungee-cord jumping; scuba diving (if accompanied by a divemaster or if the depth is equal to or less than fifty (50) feet; spelunking or caving). This plan includes $2,500 for Trip Cancellation and Interruption, $50,000 coverage for Accident and Sickness and $2,000 for baggage. Also included in this plan is the Search and Rescue benefit of $5,000 and Evacuation, in case of a natural disaster at your location, up to $50,000. Customize & Buy View Brochure AM Best Rating: A+ Underwritten by Nationwide Mutual Insurance Company SafeTreker Extreme In addition to Hazardous sports covered by SafeTreker Sport, SafeTreker Extreme offers coverage for over 400 named sports! Up to $5,000 for Trip Cancellation Trip Interruption and $100,000 Accident and Sickness Medical Coverage, $3,000 for baggage. Search and rescue up to $10,000 and Sports Equipment Rental protection up to $3,000. Customize & Buy View Brochure AM Best Rating: A+ Underwritten by Nationwide Mutual Insurance Company SafeTreker Extreme + For the most adventurous, SafeTreker Extreme Plus covers up to 500 extreme activities and sports. This plan covers up to $10,000 for Trip Cancellation Trip Interruption and $100,000 Accident and Sickness Medical Coverage, $3,000 for baggage. Search and rescue up to $10,000 and Sports Equipment Rental protection up to $3,000. Customize & Buy View Brochure AM Best Rating: A+ Underwritten by Nationwide Mutual Insurance Company Seven Corners Travel Medical Insurance - Including USA International Travel to the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, Covid will be treated same as any Illness on both plans. Examples of eligible purchases for Travel Including the USA A non-U.S. resident and non-U.S. citizen is traveling to the USA. A non-U.S. resident and non-U.S. citizens is spending part of their trip in the USA. An Irish citizen and resident is flying to Mexico and has a layover in the USA. A Mexican citizen and resident is driving through the USA to Canada. 2 Plan Levels available Basic Plan Seven Corners Travel Medical Choice The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Seven Corners Travel Medical Global - Excluding USA International Travel outside of the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, along with coverage for COVID-19 Examples of eligible purchases for Travel Medical Global Excluding the USA: Travelers must be non-U.S. residents who are at least 14 days of age or older. You are covered for worldwide trips that exclude the USA, provided you are traveling outside of the country where you have your primary residence A non-U.S. resident and non-U.S. citizen is traveling outside the USA. A French citizen and resident flying to Iceland and returning home. An Australian citizen and resident flying to Europe, Africa, and Canada. 2 Plan Levels Basic & Choice Covid Same as any illness From 14 days old to 64 years old: Options up to $1,000,000; 65 to 79 years old: $50,000; $100,000; 80 years and older: $10,000 The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC

Single trip travel medical plans usually provide coverage for Emergency medical expenses, doctor’s fees and hospital stays, Emergency medical evacuations and repatriation, Accidental death and dismemberment (AD&D). We offer a comprehensive, competitive service with a strong network of leading insurance and financial partners.  單程 旅遊保險 > 單身 -旅行旅遊保險 單次旅行是指您離開家，旅行一段時間，然後回家。如果你要去多個國家並不重要。這仍然被視為單次旅行，因為您將只離開家和回家一次。 > 多 -旅行旅遊保險 多次旅行保險按年購買。這些保單在您獲得報價或購買保險時輸入的生效日期開始的一個日曆年期間為您提供保障。當您在一年中多次離家和回家時，它們會提供保護。 有幾件事情需要考慮： 多次旅行將始終對承保的旅行長度有限制。因此，無論您在一年中可能進行多少次旅行，都不能超過該天數，否則承保範圍將結束，並且在您返回家中之前，多次旅行政策將不承保任何進一步的旅行又離開了。所涵蓋的時間範圍為 30-75 天，具體取決於公司。 所有多次旅行保單都要求您在美國擁有基本健康保險。如果您沒有健康保險，它們將不會為您提供保障。 InsureMyTrip 提供的多次旅行政策旨在僅涵蓋醫療緊急情況和緊急醫療後送。意外死亡保險也可以多次購買，但這是大多數意外死亡保單提供的選擇選項。沒有為旅行取消或旅行延誤提供保險。某些醫療多次旅行政策將承保行李丟失，但僅限於少量且僅限托運行李。 > 為 多次旅行投保 經常旅行的旅客可能需要考慮購買旨在為單一政策承保多次旅行的旅行保險，而不是分別為每次旅行投保。通常情況下，購買多次旅行保險計劃會帶來經濟利益，而且對於一年內多次旅行的人來說，節省的費用可能非常可觀。 多程保險計劃不同於涵蓋多個目的地的保險計劃。 “多次旅行”是指您打算從您的主要住所出發旅行，然後在某個時間返回，您將在那裡停留一段時間，然後再次出發，並在一年中多次重複該循環時間。傳統旅行保險綜合計劃可承保單次旅行，包括多個目的地（即，從家到巴黎，然後是倫敦，然後是馬德里，然後在旅行結束後返回家中）。 多次旅行計劃僅可按年購買，涵蓋多種選擇。您可以購買多程旅行醫療計劃，該計劃可為您在每次旅行中提供緊急醫療護理和疏散至適當治療機構的福利。多程後送專用計劃，可讓您獲得緊急醫療後送的保險，也是一個很好的選擇。為取消行程、中斷行程和延誤行程提供福利的綜合計劃很遺憾不能作為多行程計劃提供。 與任何旅行保險計劃一樣，計劃和多次旅行保險提供商之間也存在限制、排除和差異。徹底研究您的選擇，並確保您正在考慮購買的多次旅行計劃適合您的特定需求。 If you require a Single Trip Plan that includes cancellation coverage to cover your non-refundable trip costs, you will need to purchase a comprehensive travel insurance plan (Trip Cancellation) Buying a travel insurance policy for each single trip is likely to work out the cheapest option if you’re only planning to take one or two trips a year. If you plan to travel more frequently over the course of one year, an annual/multi trip travel insurance policy is likely to be the best option and worth considering. 需要單程/多程 旅遊 保險？ GeoBlue Voyager Essential (For US citizen or and residents) Ideal for international leisure, missionary or business travel. Coverage of COVID-19 testing and treatment. Post-departure trip interruption up to $500. Choice of varying medical limits and deductibles. For trips outside the U.S. up to 6 months for ages 95 and younger*. Covers pre-existing conditions for medical evacuation. Does not require a primary health plan. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Seven Corners Travel Medical Insurance - Including USA International Travel to the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, Covid will be treated same as any Illness on both plans. Examples of eligible purchases for Travel Including the USA A non-U.S. resident and non-U.S. citizen is traveling to the USA. A non-U.S. resident and non-U.S. citizens is spending part of their trip in the USA. An Irish citizen and resident is flying to Mexico and has a layover in the USA. A Mexican citizen and resident is driving through the USA to Canada. 2 Plan Levels available Basic Plan Seven Corners Travel Medical Choice The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Seven Corners Travel Medical Global - Excluding USA International Travel outside of the USA. These plans include customizable medical coverage, a network of medical providers, and 24-hour travel assistance, along with coverage for COVID-19 Examples of eligible purchases for Travel Medical Global Excluding the USA: Travelers must be non-U.S. residents who are at least 14 days of age or older. You are covered for worldwide trips that exclude the USA, provided you are traveling outside of the country where you have your primary residence A non-U.S. resident and non-U.S. citizen is traveling outside the USA. A French citizen and resident flying to Iceland and returning home. An Australian citizen and resident flying to Europe, Africa, and Canada. 2 Plan Levels Basic & Choice Covid Same as any illness From 14 days old to 64 years old: Options up to $1,000,000; 65 to 79 years old: $50,000; $100,000; 80 years and older: $10,000 The plan covers typical vacation activities. If you plan to participate in more adventurous activities when you travel, consider buying additional optional coverage that includes: Bungee jumping; caving; hang gliding; jet skiing; motorcycle or motor scooter riding whether as a passenger or a driver; parachuting; paragliding; parasailing; scuba diving only to a depth of 10 meters with a breathing apparatus provided that you are SSI, PADI or NAUI certified; snowmobiling; spelunking; wakeboard riding; water skiing; windsurfing; or zip lining. You must purchase this optional coverage if you wish to be covered while riding a motorcycle, motor scooter, or similar transportation when such transportation is an established and accepted routine means of public transportation for hire in the specific geographic area where you are located in the host country. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Patriot Platinum Travel COVID-19 covered same as any other illness Travel medical insurance for individuals, families and groups Coverage for acute onset of pre-existing conditions Renewable up to 36 months Deductible options from $0 to $25,000 Maximum limits from $2,000,000 to $8,000,000 Customize & Buy View Brochure AM Best Rating - A+ Globally recognized underwriters A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's

Travel with Insurance offers comprehensive Travel Insurance Plans including Trip Cancellation which covers cancellations, interruptions, baggage, delays, medical, evacuation, and more. 您經常出差，但不擔心行程取消、延誤或行程中斷的問題嗎？ 有多種提供年度旅行保險的計劃可供選擇。首先，可以選擇在一年中國際旅行時為您提供保障的旅行醫療計劃。主要醫療保險必須到位才能獲得多次旅行醫療計劃的資格，並且注意每次旅行的最大允許長度也很重要，這因計劃而異。其次，只要您離家超過一定距離（通常為 50-150 英里，取決於計劃），年度緊急疏散會員資格就可以為您提供保障。最後，一些意外死亡計劃提供可選的多次旅行保險。 > 我什麼時候應該考慮年度旅行保險計劃？ 很簡單，如果您在一年內安排了多次旅行。 但是要知道，您必須在兩次旅行之間回家。一次前往多個目的地的旅行不符合年度旅行保險計劃的資格。但是，如果您要回家短暫停留，然後再啟程前往不同地點，您可以考慮制定年度或年度計劃。 > 年度計劃包括什麼類型的保險？ 大多數多程年度計劃主要側重於旅行醫療和緊急疏散保險或僅提供緊急醫療疏散保險。這意味著綜合旅行保險計劃的標準承保範圍通常不包括在內（旅行取消、旅行中斷和旅行延誤）。一些年度多次旅行計劃確實包括有限的行李丟失保險——但不是全部。 如果您正在尋找意外死亡保險，您可以購買多次旅行的意外死亡和傷殘保險。這是一些意外死亡計劃的一個選擇選項，需要額外付費購買。 > 包年 套餐是經常出差的好選擇嗎？ 如果您在一年中多次旅行，您可能正在尋找適合您特定需求的旅行保護。這些需求最有可能集中在出國旅行時的緊急醫療護理上。 年度或年度旅行保險計劃是一個完美的解決方案。在海外旅行時，您的主要醫療計劃可能不承保您。年度旅行保險計劃可以幫助抵消承保的醫療保健需求的費用。與往常一樣，如有任何具體的旅行保險問題，請聯繫我們的客戶服務專家。 多/年度 旅行 旅遊保險 需要單程/多程 旅遊 保險？ Seven Corners Trip Protection (for US Residents) Seven Corners Trip Protection travel insurance protects trip expenses, medical expenses, and baggage for one-way and round trips in the USA and abroad. If you cancel your trip for a covered reason, the Trip Cancellation benefit in our plans reimburses unused, nonrefundable payments or deposits for the travel arrangements you purchased for your trip. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: The United States Fire Insurance Company Trip Protector (Trip cancellation for US Residents) Select from 3 plans Economy Classic Preferred Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter Travel insurance plans underwritten by Nationwide® to protect your vacation investment Trip cancellation (for US Residents) TravelSafe travel protection is curated for residents of the United States. Whether you are traveling domestically or abroad, our plans offer coverage to help protect your trip, your belongings, and those who go along for the adventure. ach plan has travel insurance benefits and non-insurance assistance services to help protect your trip, your belongings, and those who go along for the adventure. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter Travel insurance plans underwritten by Nationwide® to protect your vacation investment Safe Travels Voyager for US Citizens Covers trip cancellation from $0 up to $100,000 and includes $250,000 Primary Medical with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. The optional Cancel for Any Reason (CFAR) provides reimbursement for the percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. Trip cancellation for US citizens and US Residents travelling to other countries or domestically Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Basic Annual Just the necessities. Our Basic level includes our Worldwide 24/7 Emergency Assistance Services, up to $2,500 per Annual Policy Term for Trip Cancellation and Interruption, $10,000 coverage for Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 EXPENSES are covered and treated as any other sickness. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Deluxe Annual The Annual Deluxe Plan features everything in the Basic plan plus we have included Itinerary Change coverage. This plan features $5,000 for Trip Cancellation per Annual Policy Term and Interruption and $20,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Executive Annual The Executive Plan offers all the benefits of both Basic and Deluxe level coverage plus coverage for Sports Equipment Rental! There’s more! $10,000 for Trip Cancellation and Interruption. $50,000 for Emergency Medical Expense, $1,000 for baggage. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Comparison Quote Each of the Travel Insured Worldwide Trip Protector plans include the Trip Cancellation and Trip Interruption coverage as well as Travel Medical Insurance and Medical Evacuation and Baggage Delay, Loss, Theft, and Damage. Travel Insured provides coverage for medical expenses incurred during travel, particularly outside of the U.S., that health insurance providers frequently deny as out of network. With the medical benefits included in these plans, you can help ensure access to quality medical treatment wherever you travel and protect yourself from unexpected travel medical and evacuation expenses Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company Worldwide Trip Protector (WTP) Accident & Sickness Medical Expense $100,000 Option for Cancel for Any Reason (CFAR) and Option for Interruption for Any Reason (IFAR) Medical Evacuation and Repatriation of Remains $1,000,000 Non-Insurance Worldwide Assistance Services are included in both plans and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug/Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 21 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan. COVID 19 is considered an illness and treated the same as any illness Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company World Trip Protector (Edge) Accident & Sickness Medical Expense $10,000 Medical Evacuation and Repatriation of Remains $100,000 Non-Insurance Worldwide Assistance Services are included in this plan and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug / Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 14 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan. COVID 19 is considered an illness and treated the same as any illness. Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company