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Un proveedor de seguros de viaje de 5 estrellas de Forbes en 2021 Seven Corners obtuvo una calificación perfecta de 5 estrellas de Forbes como una de sus Mejores Compañías de Seguros de Viaje en 2021. Forbes acreditó a Seven Corners por su cobertura de evacuación médica de emergencia de primer nivel de $ 1 millón, generoso reembolso de conexión perdida y retraso de viaje, y opción de agregue cobertura para deportes y actividades. Visit website Por que elegir Seven Corners Inc Seven Corners, Inc. comenzó a ofrecer seguros médicos internacionales a la comunidad mundial en 1993. La compañía fue fundada por profesionales de seguros internacionales con un fuerte compromiso con el servicio al cliente y la creencia de que el público merecía confiabilidad al comprar seguros internacionales. Hoy en día, los clientes incluyen viajeros internacionales, agencias del gobierno de EE. UU., Gobiernos extranjeros y corporaciones. Con un modelo de negocio basado en productos innovadores y niveles de servicio personalizados, Seven Corners supera constantemente las necesidades y expectativas del cliente. El equipo de Seven Corners cree en la comunidad: en el trabajo, en casa y en todo el mundo. Una cultura fuertemente conectada con su deseo de extender un sentido de comunidad a sus clientes sin importar dónde se encuentren. Esto puede ser tan simple como guiar a un cliente para que elija los mejores beneficios para sus necesidades o tan complejo como administrar una evacuación médica de emergencia al otro lado del mundo. Planes integrales Seven Corners Trip Protection (for U.S Residents) Seven Corners Trip Protection has high levels of protection for trip expenses, medical expenses, and emergency medical evacuation. It also includes primary medical coverage, political/security evacuation, and a long list of covered reasons for trip cancellation and interruption. With Cancel for Any Reason (optional), Interruption for Any Reason, rental car damage, sports equipment rental, and event ticket protection options, you can customize your plan to ensure you have the coverage you need. ​ ​ Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: United States Fire Insurance Company Planes médicos de viaje 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 Travel Medical Group Plans 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 Seven Corners Travel Medical USA Visitor Economical travel insurance to protect your trip to the USA. With scheduled benefits that pay a set amount for each type of treatment, protection for up to 3 Years (1,092 days) and the option to choose your coverage limits, you can have flexibility and value. ​ Who Can Buy and Where Can I Travel? Non-United States residents who are traveling to the USA can buy Travel Medical USA Visitor. To be covered, travelers must be at least 14 days of age and younger than 100 years. Green Card/Permanent Resident Card holders cannot buy this plan for travel to the United States. Medical Maximum Options: Age14 days to 69 years old: Options up to $150,000 Age 70 to 99 years old: $50,000; $100,000 Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Seven Corners Medical Evacuation and Repatriation Medical Evacuation and Repatriation Annual Travel Insurance for evacuation covers travel to the United States (not for USA citizens). Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Planes de especialidad J Visa Compliance Travel Medical Insurance You and your dependents must live outside your home country* while covered. The J-1 visa holder must remain in official status through full-time educational or research activities. You can buy coverage for your dependents, including your legal spouse and unmarried children over 14 days and under 21 years of age if they are wholly dependent upon you for maintenance and support Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Student Plans Travel Medical If you’re traveling abroad to study or work, prepare for safe travel and ensure you meet the requirements of your school, visa program, and host country with Seven Corners Travel Medical Insurance. Our plans provide medical coverage for illnesses or injuries that occur while you’re traveling, as well as limited protection for pre-existing conditions. You’ll also receive access to a network of medical providers and 24-hour multilingual travel assistance. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Crum & Forster SPC Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con ¿Siete esquinas? Creemos en la comunidad: en el trabajo, en casa y en todo el mundo. Información de contacto de Seven Corners Inc > Atención al cliente 800-335-0611 > Horas de funcionamiento Días laborables de 8 a. M. A 10 p. M. ET, Fines de semana de 10 a. M. A 8 p. M. ET > Horas de funcionamiento de reclamaciones: De 8:00 a. M. A 5:00 p. M. ET, días laborables > Contacto de reclamaciones Tel: 800-335-0477 Fax: 317-575-2256 > Dirección postal Seven Corners Inc c / o reclamaciones 303 Congressional Boulevard Carmel, Indiana 46032 Correo electrónico de reclamaciones Ampliar o renovar la cobertura Sitio web de reclamaciones de proveedores Asistencia de emergencia Presentar reclamaciones Encuentre un médico / hospital

Multi / Anual Seguro de viaje de viaje > ¿Viaja con frecuencia, pero no le preocupan las cancelaciones, retrasos o interrupciones del viaje? Se encuentran disponibles varios tipos de planes que ofrecen cobertura de viaje anual. Primero, los planes médicos de viaje que lo cubren mientras viaja internacionalmente durante el año son una opción. Se requiere que exista cobertura médica primaria para ser elegible para los planes médicos de viajes múltiples, y también es importante tener en cuenta la duración máxima permitida por viaje, que varía según el plan. En segundo lugar, las membresías anuales de evacuación de emergencia pueden cubrirlo siempre que viaje a más de una cierta distancia de su hogar (generalmente de 50 a 150 millas, según el plan). Finalmente, algunos de los planes de muerte accidental ofrecen una cobertura opcional de viajes múltiples. > ¿Cuándo debería considerar un plan de seguro de viaje anual? Simple, si tiene varios viajes programados durante un período de un año. Pero sepa, debe regresar a casa entre los viajes. Un solo viaje a múltiples destinos no califica a un viajero para un plan de seguro de viaje anual. Sin embargo, si regresa a casa por un período y luego emprende otro viaje a varios lugares, podría considerar un plan anual o anual. > ¿Qué tipo de cobertura se incluye con los planes anuales? La mayoría de los planes anuales de viajes múltiples se centran principalmente en la cobertura de evacuación médica y de emergencia de viaje o solo en la cobertura de evacuación médica de emergencia. Esto significa que las coberturas estándar en los planes de seguro de viaje integrales generalmente no están incluidas (cancelación de viaje, interrupción del viaje y retraso del viaje). Algunos planes anuales de viajes múltiples incluyen cobertura limitada por pérdida de equipaje, pero no todos. Si está buscando cobertura por muerte accidental, puede comprar un plan por muerte accidental y desmembramiento para viajes múltiples. Esta es una opción elegida en algunos planes de muerte accidental y su compra sería un costo adicional. > ¿Es un plan anual una buena opción para los viajeros frecuentes? Si viaja varias veces en el período de un año, es posible que esté buscando protección de viaje que se adapte a sus necesidades específicas. Lo más probable es que esas necesidades se centren en la atención médica de emergencia durante un viaje al extranjero. Un plan de seguro de viaje anual o anual es una solución perfecta. Cuando viaje al extranjero, es posible que su plan médico primario no lo cubra. Un plan de seguro de viaje anual puede ayudar a compensar los costos de las necesidades de atención médica cubiertas. Como siempre, comuníquese con nuestros expertos en atención al cliente si tiene alguna pregunta específica sobre seguros de viaje. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? 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

Deportes de aventura Excursiones ¿Viaja con frecuencia, pero no le preocupan las cancelaciones, retrasos o interrupciones del viaje? Se encuentran disponibles varios tipos de planes que ofrecen cobertura de viaje anual. Primero, los planes médicos de viaje que lo cubren mientras viaja internacionalmente durante el año son una opción. Se requiere que exista cobertura médica primaria para ser elegible para los planes médicos de viajes múltiples, y también es importante tener en cuenta la duración máxima permitida por viaje, que varía según el plan. En segundo lugar, las membresías anuales de evacuación de emergencia pueden cubrirlo siempre que viaje a más de una cierta distancia de su hogar (generalmente de 50 a 150 millas, según el plan). Finalmente, algunos de los planes de muerte accidental ofrecen una cobertura opcional de viajes múltiples. > ¿Cuándo debería considerar un plan de seguro de viaje anual? Simple, si tiene varios viajes programados durante un período de un año. Pero sepa, debe regresar a casa entre los viajes. Un solo viaje a múltiples destinos no califica a un viajero para un plan de seguro de viaje anual. Sin embargo, si regresa a casa por un período y luego emprende otro viaje a varios lugares, podría considerar un plan anual o anual. > ¿Qué tipo de cobertura se incluye con los planes anuales? La mayoría de los planes anuales de viajes múltiples se centran principalmente en la cobertura de evacuación médica y de emergencia de viaje o solo en la cobertura de evacuación médica de emergencia. Esto significa que las coberturas estándar en los planes de seguro de viaje integrales generalmente no están incluidas (cancelación de viaje, interrupción del viaje y retraso del viaje). Algunos planes anuales de viajes múltiples incluyen cobertura limitada por pérdida de equipaje, pero no todos. Si está buscando cobertura por muerte accidental, puede comprar un plan por muerte accidental y desmembramiento para viajes múltiples. Esta es una opción elegida en algunos planes de muerte accidental y su compra sería un costo adicional. > ¿Es un plan anual una buena opción para los viajeros frecuentes? Si viaja varias veces en el período de un año, es posible que esté buscando protección de viaje que se adapte a sus necesidades específicas. Lo más probable es que esas necesidades se centren en la atención médica de emergencia durante un viaje al extranjero. Un plan de seguro de viaje anual o anual es una solución perfecta. Cuando viaje al extranjero, es posible que su plan médico primario no lo cubra. Un plan de seguro de viaje anual puede ayudar a compensar los costos de las necesidades de atención médica cubiertas. Como siempre, comuníquese con nuestros expertos en atención al cliente si tiene alguna pregunta específica sobre seguros de viaje. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? 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

¿Viaja con frecuencia, pero no le preocupan las cancelaciones, retrasos o interrupciones del viaje? Se encuentran disponibles varios tipos de planes que ofrecen cobertura de viaje anual. Primero, los planes médicos de viaje que lo cubren mientras viaja internacionalmente durante el año son una opción. Se requiere que exista cobertura médica primaria para ser elegible para los planes médicos de viajes múltiples, y también es importante tener en cuenta la duración máxima permitida por viaje, que varía según el plan. En segundo lugar, las membresías anuales de evacuación de emergencia pueden cubrirlo siempre que viaje a más de una cierta distancia de su hogar (generalmente de 50 a 150 millas, según el plan). Finalmente, algunos de los planes de muerte accidental ofrecen una cobertura opcional de viajes múltiples. > ¿Cuándo debería considerar un plan de seguro de viaje anual? Simple, si tiene varios viajes programados durante un período de un año. Pero sepa, debe regresar a casa entre los viajes. Un solo viaje a múltiples destinos no califica a un viajero para un plan de seguro de viaje anual. Sin embargo, si regresa a casa por un período y luego emprende otro viaje a varios lugares, podría considerar un plan anual o anual. > ¿Qué tipo de cobertura se incluye con los planes anuales? La mayoría de los planes anuales de viajes múltiples se centran principalmente en la cobertura de evacuación médica y de emergencia de viaje o solo en la cobertura de evacuación médica de emergencia. Esto significa que las coberturas estándar en los planes de seguro de viaje integrales generalmente no están incluidas (cancelación de viaje, interrupción del viaje y retraso del viaje). Algunos planes anuales de viajes múltiples incluyen cobertura limitada por pérdida de equipaje, pero no todos. Si está buscando cobertura por muerte accidental, puede comprar un plan por muerte accidental y desmembramiento para viajes múltiples. Esta es una opción elegida en algunos planes de muerte accidental y su compra sería un costo adicional. > ¿Es un plan anual una buena opción para los viajeros frecuentes? Si viaja varias veces en el período de un año, es posible que esté buscando protección de viaje que se adapte a sus necesidades específicas. Lo más probable es que esas necesidades se centren en la atención médica de emergencia durante un viaje al extranjero. Un plan de seguro de viaje anual o anual es una solución perfecta. Cuando viaje al extranjero, es posible que su plan médico primario no lo cubra. Un plan de seguro de viaje anual puede ayudar a compensar los costos de las necesidades de atención médica cubiertas. Como siempre, comuníquese con nuestros expertos en atención al cliente si tiene alguna pregunta específica sobre seguros de viaje. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Student Plans Travel Medical If you’re traveling abroad to study or work, prepare for safe travel and ensure you meet the requirements of your school, visa program, and host country with Seven Corners Travel Medical Insurance. Seven Corners plans provide medical coverage for illnesses or injuries that occur while you’re traveling, as well as limited protection for pre-existing conditions. You’ll also receive access to a network of medical providers and 24-hour multilingual travel assistance. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: Lloyd’s, London Student Secure® International Insurance International student health insurance for study abroad students. The StudentSecure series offers four levels of coverage–Elite , Select , Budget , and Smart –so you can choose the plan that best fits your needs and budget. ​A Student Secure plan can reduce your personal expenses if you face an unexpected injury or illness throughout the course of your international studies. All four plans include multilingual travel assistance services and access to our Student Zone, where you can download your visa letter, renew your coverage as needed, and manage your policy online. ​ Highlights Meets J-1 visa requirements Medical benefits such as Hospital Room & Board, Intensive Care Unit, and Local Ambulance included Coverage for leisure sports and activities included, as well as some outpatient prescription drug coverage and mental health coverage Monthly payment option (or savings for paying the full premium in advance) Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 GeoBlue Navigator Student Complete, affordable worldwide coverage designed for students (including Optional Practical Training (OPT) status), teachers and faculty. Annual plan for individuals and their families who intend to be outside their home country for at least 3 months each year. Covers dependents and families (only the subscriber must be a teacher, student or faculty). Flexible options for plan length. Plan options that meet F1 and J1 Visa requirements. Unlimited annual and lifetime medical maximum. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 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 Collegiate Care Elite Collegiate Care Elite Highlights United Healthcare PPO Network Sports Activities Coverage Motor Vehicle Accident coverage Unlimited medical maximum Maternity coverage COVID-19 EXPENSES are covered and treated as any other sickness Collegiate Care Elite Student Plans for students, scholars, and educators while outside their home country in the USA (Must be enrolled in or work for the school) Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Collegiate Care Essential Budget Travel Medical and Related Benefits for persons traveling outside their home country but not to the USA. Up to $1,000,000 medical and choice of Deductible. Please note this policy IS NOT valid for travel from, in, or to the United States of America. You must live in the country of Origin. Minimum 5 day purchase. COVID-19 EXPENSES are covered and treated as any other sickness. Travel Medical Plans for people traveling outside their home country and not to the USA. Not available to US Citizens or Greencard Holders Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Deportes de aventura Excursiones

NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Ofrecemos planes de seguro de viaje grupal, en varias formas, de nuestra amplia variedad de proveedores preferidos. > Planes integrales Estos planes están diseñados para muchos tipos diferentes de grupos de viaje. La mayoría ofrece cobertura de cancelación, interrupción, equipaje, atención médica, dental, evacuación de emergencia, asistencia en viaje las 24 horas, demora de equipaje, demora en el viaje y muerte accidental. > Planes médicos de viaje Estos planes están diseñados para muchos tipos diferentes de grupos que viajan y brindan cobertura médica para viajes de hasta un año de duración. Algunos incluyen cobertura por evacuación, vuelo, muerte accidental, equipaje limitado e interrupción del viaje. > Planes de muerte accidental Los planes por muerte accidental y desmembramiento (AD&D) están diseñados para viajeros que realizan un solo viaje, pero también pueden redactarse anualmente para individuos, empresas o grupos. Los planes AD&D brindan protección en caso de pérdida de la vida o lesión por desmembramiento durante el viaje. Estos planes se pueden suscribir con límites de beneficios de hasta $ 20 millones. > Asegurar viajes en grupo Un grupo de viaje de 10 o más personas puede tener sus propias necesidades. Si tiene un grupo de 10 o más personas que viajan en las mismas fechas de salida y regreso al mismo destino, llame y hable con un representante de seguros de viaje grupal. Ellos lo dirigirán a la mejor opción de plan para usted y su grupo. 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 NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? 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

Seguro de viaje de viaje único > Soltero -Seguro de viaje de viaje Un solo viaje es cuando sale de casa, viaja por un tiempo y luego regresa a casa. No importa si viajará a varios países. Esto todavía se considera un viaje único, ya que saldrá de casa y regresará a casa solo una vez. > Multi -Seguro de viaje de viaje La cobertura de viajes múltiples se compra anualmente. Estas pólizas lo cubren por el período de un año calendario a partir de la fecha de vigencia que ingresa al obtener una cotización o comprar una cobertura. Proporcionan protección cuando sale de casa y regresa a casa varias veces durante el año. Hay algunas cosas a considerar: Los viajes múltiples siempre tendrán un límite en la duración del viaje para la cobertura. Por lo tanto, no importa cuántos viajes pueda realizar en el transcurso del año, ninguno puede ser más largo que esa cantidad de días o la cobertura terminará y cualquier viaje adicional no estará cubierto por la póliza de viajes múltiples hasta que haya regresado a casa y se fue de nuevo. La cantidad de tiempo cubierto variará entre 30 y 75 días dependiendo de la empresa. Todas las pólizas de viajes múltiples requieren que tenga un seguro médico primario en los EE. UU. Si no tiene seguro médico, no lo cubrirán. Las pólizas de viajes múltiples disponibles en InsureMyTrip están diseñadas para cubrir solo emergencias médicas y evacuación médica de emergencia. La cobertura por muerte accidental también se puede comprar para viajes múltiples, pero esa es una opción elegida que se ofrece en la mayoría de las pólizas de muerte accidental. No se proporciona cobertura por cancelación o retraso del viaje. Ciertas pólizas médicas para viajes múltiples cubrirán la pérdida de equipaje, pero solo por una pequeña cantidad y solo para el equipaje facturado. > Asegurar viajes múltiples Los viajeros frecuentes pueden considerar buscar un seguro de viaje que esté diseñado para cubrir múltiples viajes con una sola póliza, en lugar de asegurar cada viaje por separado. La mayoría de las veces, existe un beneficio financiero al comprar un plan de seguro de viajes múltiples, y ese ahorro de costos puede ser significativo para quienes realizan varios viajes en el transcurso de un año. Un plan de seguro de viajes múltiples es diferente de uno que cubre múltiples destinos. "Viaje múltiple" significa que tiene la intención de salir de su residencia principal para un viaje, luego regresar en algún momento, donde permanecerá por un período de tiempo antes de partir nuevamente, y repetir ese ciclo más de una vez al año. hora. Un solo viaje, con múltiples destinos (es decir, desde casa a París, luego Londres, luego Madrid, luego de regreso a casa al finalizar su recorrido) puede estar cubierto por un plan integral de seguro de viaje tradicional. Los planes de viajes múltiples están disponibles para su compra solo anualmente y cubren una amplia gama de opciones. Puede comprar un plan médico de viaje de viajes múltiples, que brinda beneficios para la atención médica de emergencia y la evacuación a un centro de tratamiento adecuado en cada uno de sus viajes. Los planes de solo evacuación de viajes múltiples, que le permitirán recibir cobertura para una evacuación médica de emergencia, también son una excelente opción. Los planes integrales, que brindan beneficios por cancelación de viaje, interrupción de viaje y retraso de viaje, lamentablemente no están disponibles como planes de viaje múltiple. Al igual que con cualquier plan de seguro de viaje, habrá limitaciones, exclusiones y variaciones entre los planes y proveedores de seguros de viajes múltiples. Investigue a fondo sus opciones y asegúrese de que el plan de viajes múltiples que está considerando comprar sea el adecuado para sus necesidades específicas. 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. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? 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

Usted explora Protegemos Busque y compare las pólizas de seguro de viaje recomendadas Find the right plan for your trip Start Search Planes de viaje populares Single Trip Travel Insurance Annual / Multi Trip Travel Insurance Trip Cancellation for USA Citizens Medical Travel Insurance Evacuation & Repatriation Plans Adventure Sports Trips Student Travel Insurance Group Travel Insurance Long Term Expatriates, Marine Crew, Missionary Costa Rica Specialized Travel Policy Single Trip Travel Insurance Annual / Multi Trip Travel Insurance Trip Cancellation for USA Citizens Medical Travel Insurance Evacuation & Repatriation Plans Adventure Sports Trips Student Travel Insurance Group Travel Insurance Long Term Expatriates, Marine Crew, Missionary Costa Rica Specialized Travel Policy Single Trip Travel Insurance Annual / Multi Trip Travel Insurance Trip Cancellation for USA Citizens Medical Travel Insurance Evacuation & Repatriation Plans Adventure Sports Trips Student Travel Insurance Group Travel Insurance Long Term Expatriates, Marine Crew, Missionary Costa Rica Specialized Travel Policy Single Trip Travel Insurance Annual / Multi Trip Travel Insurance Trip Cancellation for USA Citizens Medical Travel Insurance Evacuation & Repatriation Plans Adventure Sports Trips Student Travel Insurance Group Travel Insurance Long Term Expatriates, Marine Crew, Missionary Costa Rica Specialized Travel Policy Con más de 25 años de experiencia en seguros, hemos hecho el trabajo duro por usted. Nuestros proveedores competitivos y aprobados han sido cuidadosamente seleccionados e investigados para que no se sienta abrumado por las opciones de seguro. Entregamos información de seguros en línea a individuos, familias y empresas y nos aseguramos de que reciba las mejores cotizaciones y servicios de seguros de viaje para su viaje. Ofrecemos un servicio integral y competitivo con una sólida red de socios financieros y de seguros líderes. Travel with Insurance celebra la aventura de viajar manteniendo a nuestros clientes seguros, protegidos y asegurados. Viajeros estadounidenses en Europa Consulte los sitios web de las embajadas o consulados de EE. UU. Pertinentes para obtener información sobre restricciones, políticas de cuarentena en el extranjero e información de salud urgente para viajes por Europa. Ver preguntas frecuentes ¿Viaja a Costa Rica? El gobierno de Costa Rica ha implementado nuevos requisitos que deben cumplir los visitantes en el exterior antes de ingresar al país. Nuestros planes cumplen y superan los requisitos del seguro para ingresar legalmente al país. Más información Información del país de Covid Busque por país para verificar las últimas reglas y regulaciones para viajes, trabajo y ocio. Ver lista Noticias y consejos de la industria Consejos sobre viajes y seguros, noticias y actualizaciones de todo el mundo. Vist News Center Why do you need travel insurance? ​Could you afford to lose your non-refundable , pre-paid travel expenses in the case of your trip being cancelled due to an unforeseen event (ex: death of a family member)? ​ Are you traveling to a destination that may be affected by severe weather? ​ If you were to get sick or injured on the trip , would you be unable to pay out of pocket for the necessary healthcare? ​ If your flight is delayed or cancelled , would you seek reimbursement for the inconvenience and additional charges such as change fees? ​ If your luggage is lost or stolen , could you afford to replace the missing baggage or personal effects? TWI will help you find the best plan for your trip Comparar proveedores Puede comparar docenas de proveedores en nuestro sitio utilizando nuestro motor de comparación. El seguro de viaje es único y varía según los detalles de su viaje. La mejor póliza cubre solo lo que necesita a un precio que se ajusta a su presupuesto. Obtenga apoyo personal Seleccione su oferta y espere una rápida confirmación de los detalles y el papeleo. Si necesita ayuda, nuestros agentes de seguros de viaje con licencia pueden ayudarlo a comparar planes y leer la letra pequeña para que le ayude a explicar las exclusiones. Tranquilidad de espíritu ¡Fácil! Seguro de viaje sin complicaciones para usted y su familia. Cuando las personas se sienten seguras, pueden disfrutar de una experiencia al máximo, en lugar de preocuparse por "qué pasaría si". Obtenga la tranquilidad que necesita para sentirse seguro sin importar a qué parte del mundo se dirija. Obtenga cotizaciones gratuitas y compare planes de seguro en línea Find Plans

Seguro para cruceros If you’re forced to cancel your cruise, how much of that prepaid trip cost could you get back? 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. ​​Do I need a special cruise insurance plan? You don’t need a travel insurance plan that’s specifically for cruises. Any good travel insurance plan with good medical benefits can work well for a cruise. Por qué el seguro de viaje es fundamental para los viajes en crucero Algunas de las mejores ofertas de cruceros y eventos de ventas están disponibles de enero a marzo, cuando las líneas de cruceros reservan viajes para el pico de la temporada de cruceros. Si está reservando un crucero, le sugerimos que considere el seguro de crucero, porque muchas de nuestras principales razones para obtener un seguro de viaje se aplican directamente a los viajes en crucero. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Seven Corners Cruise Insurance (for U.S Residents) Seven Corners Trip Protection has high levels of protection for trip expenses, medical expenses, and emergency medical evacuation. It also includes primary medical coverage, political/security evacuation, and a long list of covered reasons for trip cancellation and interruption. With Cancel for Any Reason (optional), Interruption for Any Reason, rental car damage, sports equipment rental, and event ticket protection options, you can customize your plan to ensure you have the coverage you need. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: United States Fire Insurance Company Trip Protector A comprehensive plan that offers travel protection plus travel medical insurance Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost up to 500,000 medical for sickness and injury/$1,000,000 medical transportation TripProtector Preferred coverages plus Cancel for Any Reason (optional). Pre-existing condition exclusion waiver may be available if purchased within 21 days of initial trip deposit( for the Preferred plan and 14 days for the Classic) Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Premium Plan Ideal for luxury travel, cruises and tours etc An enhanced travel insurance plan designed for more expensive travel, including cruises and tours. Get the highest available benefit limits with amplified coverage for certain trip emergencies. Coverage for Pre-Existing Medical Conditions is only available with this plan. ​ Trip cancellation 100% of trip cost insured Trip interruption 175% of trip cost insured Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Travel Select Travel Select provides comprehensive benefits and access to four unique upgrades. Emergency Medical & Dental Trip Cancellation Travel Assistance Four Optional Upgrades ​ Whether you’re traveling for business, with your family, or for fun, Travelex’s premium insurance plan, Travel Select, offers the benefits and customizable upgrades you need to help keep yourself - and your vacation investment - protected. ​ Up to $50,000 Emergency Medical Expenses Enjoy Primary Coverage with no deductibles Protection provided for children 17 and under included 15-day Pre-Existing Condition exclusion waiver available Customize & Buy View Brochure AM Best Rating: A++ Underwritten by Berkshire Hathaway Specialty Insurance Company 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

Quick search Let's find the best plan for your trip Are you a U.S Citizen? Where are you traveling to? Traveling outside the USA Traveling within or to the USA Highlight your selected trip / cover type below Trip Cancellation Plans Multi / Annual Trip Medical Plans Adventure / Sports Student / Scholar Group Plans Cruise Plans Mission / Long Term Covid-19 Search Reset filters OR deselect your highlighted trip and select a new one Result Recommended Plans for your trip Our selected plans below have been carefully selected to provide you with the very best options for your trip. Our providers ensure the highest level of cover, service and underwriters to give you peace of mind when you travel. *Insurance rates are regulated by law. You cannot find the same insurance plan for a lower price anywhere else. No results found. Please refine your search and try again. 1 2 3 4 5 1 ... 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 ... 100

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IMG es un proveedor galardonado de servicios de asistencia y beneficios de seguros globales. Durante más de 25 años, han permitido que los miembros se preocupen menos y experimenten más al brindar la protección que necesitan, respaldada por el apoyo que se merecen. Desde 1990, IMG ha apoyado a millones de personas en casi todos los países proporcionando productos, servicio al cliente y beneficios de clase mundial. Visit website Por qué elegir IMG Insurance IMG sabe que las razones para viajar internacionalmente son muchas y variadas, por eso sus productos también lo son. Su enfoque de servicio completo para proporcionar productos de seguro médico internacional incluye brindar servicios a los vacacionistas, aquellos que trabajan o viven internacionalmente por períodos cortos o prolongados, personas que viajan con frecuencia entre países y aquellos que mantienen varios países de residencia. El equipo dedicado de especialistas internacionales y multilingües y profesionales de servicio al cliente altamente capacitados respaldan los beneficios que los miembros necesitan con los servicios que desean. IMG ofrece una línea completa de planes de protección de viaje que incluyen iTravelInsured Travel Lite , iTravelInsured Travel SE e iTravelInsured Travel LX , que brindan diferentes niveles de cobertura para cancelación de viaje, demora de equipaje, interrupción de viaje, beneficios médicos y muchos otros eventos relacionados con viajes y gastos. Estos planes fueron diseñados para protegerlo de pérdidas financieras en caso de que ocurra algo malo antes o durante su viaje. Planes integrales Travel Basic The Travel Basic plan provides great coverage at an even greater price. Emergency Medical & Dental Trip Cancellation Travel Assistance ​ With benefits including trip cancellation coverage, reimbursement for emergency medical and dental expenses, 24-hour travel assistance and more, the Travel Basic plan provides all of the essentials for an affordable price. ​ Up to $15,000 Emergency Medical Expenses Enjoy Primary Coverage with No Deductibles Up to $10,000 Trip Cancellation & Interruption 24/7 Travel Assistance & Concierge Services ​ Customize & Buy View Brochure AM Best Rating: A++ Underwritten by Berkshire Hathaway Specialty Insurance Company Travel Select Travel Select provides comprehensive benefits and access to four unique upgrades. Emergency Medical & Dental Trip Cancellation Travel Assistance Four Optional Upgrades ​ Whether you’re traveling for business, with your family, or for fun, Travelex’s premium insurance plan, Travel Select, offers the benefits and customizable upgrades you need to help keep yourself - and your vacation investment - protected. ​ Up to $50,000 Emergency Medical Expenses Enjoy Primary Coverage with no deductibles Protection provided for children 17 and under included 15-day Pre-Existing Condition exclusion waiver available Customize & Buy View Brochure AM Best Rating: A++ Underwritten by Berkshire Hathaway Specialty Insurance Company Travel America Travel America provides low cost, core protection for domestic trips. Emergency Medical & Dental Trip Inconvenience Travel Assistance ​ With benefits including trip inconvenience coverage, security deposit protection, trip cancellation, secondary coverage for medical emergencies, roadside assistance and more, Travel America can provide protection for up to 8 travelers on your next adventure within the United States. All for the low cost of $60. ​ Receive Shared Benefits for up to 8 Travelers Up to $50,000 Emergency Medical Expenses 3-Day Pre-Existing Condition Exclusion Waiver Car Rental Collision Coverage and Roadside Assistance Customize & Buy View Brochure AM Best Rating: A++ Underwritten by Berkshire Hathaway Specialty Insurance Company Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con Seguro IMG? Información de contacto de IMG Insurance > Atención al cliente 866-263-0669 Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Correo electrónico de reclamaciones Consulte el número de fax, la dirección de correo electrónico o la dirección postal en sus documentos IMG. Sitio web de reclamaciones de proveedores Asistencia de emergencia > Enviar a 2960 North Meridian Street Indianápolis, IN 46208 Presentar reclamaciones Encuentre un médico / hospital

PREGUNTAS FRECUENTES Preguntas frecuentes 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