What is covered?
This benefit provides reimbursement for Emergency Treatment if you become sick or accidentally injured while traveling on a Covered Trip.
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Eligible expenses include services from a legally qualified Physician, surgeon, graduate nurse, dentist, or osteopath.
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The coverage also extends to charges for hospital confinement, operating rooms, anesthetics, x-rays, laboratory tests, ambulance services, and necessary drugs or medicines.
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What are the coverage limits?
You are covered for up to $100,000.00 for Emergency Treatment.
You may also receive an additional benefit of $75.00 per day for up to a maximum of 5 days toward the cost of a hotel room if your attending Physician determines you must recover in a hotel immediately after a hospital release.
What is not covered (Exclusions)?
Travel specifically for the purpose of obtaining medical treatment is excluded.
Non-emergency services, routine physical examinations, and routine dental care (including dentures and false teeth) are not covered.
Care for any illness or injury suffered due to self-inflicted harm, attempted suicide, mental health issues, alcoholism, or substance abuse is excluded.
Injuries resulting from extreme activities, including skydiving, scuba or deep sea diving, hang gliding, parachuting, rock climbing, and contests of speed are not covered.
Care received in countries determined by the U.S. Government to be unsafe for travel (such as Afghanistan, Iraq, Iran, North Korea, etc.) is excluded.
Who is the insurance provider?
This benefit is issued and managed by the Chubb Group of Insurance Companies, located at 202B Hall's Mill Road, Whitehouse Station, New Jersey 08889.
How to Claim
To file a claim for an emergency medical or dental expense, please visit our dedicated claims portal at: https://pliant.claimservicing.com/em-medical
Tip: To speed up your claim, please ensure you reference Policy #N18135954. You will need to contact the Benefit Administrator within 90 days of receiving medical care. Be prepared to provide an account statement reflecting the charge for the travel ticket, a statement from any other insurance carriers showing amounts paid, and receipts for all eligible medical/dental expenses.
Policy Document
For full terms, conditions, and coverage details, please reference the official policy document.