| Benefits | Economy | Choice | Elite |
|---|---|---|---|
| Lifetime Maximum | $5,000,000 | ||
| Medical Maximum Options injury/illness | |||
| Worldwide/Inside the US |
Ages 14 days-69: $50,000; $100,000; $500,000; $1,000,000 ; $2,000,000; $5,000,000 Ages 70-79: $50,000 Ages 80+: $15,000 |
Ages 14 days-69: $50,000; $100,000; $500,000; $1,000,000 ; $2,000,000; $5,000,000 Ages 70-79: $50,000 Ages 80+: $20,000 |
|
| Worldwide/Excluding the US |
Ages 14 days-69: $50,000; $100,000; $500,000; $1,000,000 ; $2,000,000; $5,000,000 Ages 70-79: $50,000 or $100,000 Ages 80+: $15,000 |
Ages 14 days-69: $50,000; $100,000; $500,000; $1,000,000 ; $2,000,000; $5,000,000 Ages 70-79: $50,000 or $100,000 Ages 80+: $20,000 |
|
| Deductible options | |||
| Per period of coverage | $0, $100, $250, $500, $1,000, $2,500, $5,000 | ||
| Coinsurance | |||
| In-network, inside the US | 80% of expenses up to $5,000, then 100% up to Medical Maximum | 90% of expenses up to $5,000, then 100% up to Medical Maximum | 100% up to Medical Maximum |
| Out-of-network, inside the US | 70% of expenses up to $5,000, then 100% up to Medical Maximum | 80% of expenses up to $5,000, then 100% up to Medical Maximum | 90% of expenses up to $5,000, then 100% up to Medical Maximum |
| Outside the US | 100% Up to Medical Maximum | ||
| Hospital Services Subject to Deductible and Coinsurance unless otherwise stated. | |||
| Hospital Room & Board | Up to Medical maximum | ||
| Inpatient | Up to Medical maximum | ||
| Outpatient | Up to Medical maximum | ||
| Emergency Room | Up to Medical maximum | ||
| Doctor Office Visits | Up to Medical maximum | ||
| Coma Benefit | $10,000 | $25,000 | $50,000 |
| Hospital Indemnity (outside the US and Canada) | $100 per day to a maximum of 30 days | $150 per day to a maximum of 30 days | $250 per day to a maximum of 30 days |
| Home Healthcare | $2,500 | ||
| Local Ambulance | $5,000 | $10,000 | Up to Medical Maximum |
| Prescription Drugs | Up to Medical Maximum | ||
| Dental Treatment | |||
| Due to accident | $500 | $5,000 | Up to Medical Maximum |
| Alleviate onset of pain | $100 | $200 | $250 |
| Pre-existing Conditions | |||
|
Coverage for Pre-existing conditions US Residents outside of the US |
Age 0-69: $25,000 Age 70+: $5,000 |
Age 0-69: $50,000 Age 70+: $10,000 |
Age 0-64 with primary health plan: Medical Maximum Age 0-64 without primary health plan: $50,000 Age 65+: $2,500 |
|
Acute onset of Pre-existing condition Non-US traveling to the US |
Age 0-69: $15,000 Age 70+: $2,500 |
Age 0-69: $30,000 Age 70+: $5,000 |
Age 0-69: $50,000 Age 70+: $10,000 |
| Home Country | |||
| Extension of Benefits | $5,000 | $10,000 | $20,000 |
| Incidental Trips to Home Country | $5,000 | $10,000 | $50,000 |
| Additional Benefits | |||
| 24/7 Travel Assistant | Included | ||
| Loss of Checked Luggage | Up to $50 per article; $250 maximum | Up to $50 per article; $500 maximum | Up to $50 per article; $1,000 maximum |
| Trip Interruption | $2,500 | $5,000 | $10,000 |
| Terrorism | $25,000 | $50,000 | Up to Medical Maximum |
| Felonious Assault | $5,000 | $10,000 | $20,000 |
| International Emergency Care | |||
| Emergency Medical Evacuation | $250,000 | $500,000 | $1,000,000 |
| Emergency Medical Reunion | Up to $200 per day/ $25,000 maximum limit | Up to $200 per day/ $50,000 maximum limit | Up to $200 per day/ $100,000 maximum limit |
| Return of Child(ren) | $25,000 | $50,000 | $100,000 |
| Return of Mortal Remains | $25,000 | $50,000 | $100,000 |
| Political Evacuation and Repatriation | $10,000 | ||
| Local Burial or Cremation | $5,000 | ||
| Natural Disaster | |||
| Evacuation | $25,000 | $50,000 | $100,000 |
| Daily Benefit | $50 per day / 5 day limit | $100 per day / 5 day limit | $250 per day / 10 day limit |
| Accidental Death and Dismemberment | |||
| Primary or Travel Companion | $10,000 | $25,000 | $50,000 |
| Child | $2,500 | $5,000 | $10,000 |
| Total for Insureds | $250,000 | ||
| Common Carrier Accidental Death and Dismemberment | |||
| Primary or Travel Companion | $20,000 | $50,000 | $100,000 |
| Child | $5,000 | $10,000 | $20,000 |
| Total for Insureds | $250,000 | ||
| Personal Liability | $25,000 | $50,000 | $100,000 |
| Hazardous Activities | Up to Medical maximum | ||