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Travel with Insurance delivers online based, insurance information to individuals, families and businesses and make sure that you receive the very best travel Insurance quotes and service for your trip. We offer a comprehensive, competitive service with a strong network of leading insurance and financial partners.  Legal Disclaimer Travel with Insurance provides the www.travelwithinsurance.com website as a service to the public. Travel with Insurance is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within this website. While the information contained within this website is periodically updated, no guarantee is given that the information provided in this website by third parties is correct, complete, and up-to-date. Although Travel with Insurance website may include links providing direct access to other Internet resources, including websites and third-party providers, TRAVEL WITH INSURANCE is not responsible for the accuracy, content of information contained in these sites nor the final service provided by these entities. Product information is based solely on material received from suppliers.

HTH Travel Insurance is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers’ health, safety and peace of mind. HTH Travel Insurance es líder en ayudar a los viajeros del mundo a obtener acceso a servicios de atención médica de calidad en todo el mundo. HTH combina la investigación en curso, una comunidad global contratada de médicos y hospitales, aplicaciones avanzadas de Internet y una amplia experiencia en seguros médicos internacionales para garantizar la salud, la seguridad y la tranquilidad de los clientes. Visit website Por qué elegir el seguro de viaje HTH Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in CA and in NY) offers a variety of travel medical insurance across the U.S. under leading brands. HTH offers a wide selection of travel health insurance plans that include coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation. Travel the world with confidence knowing that you have convenient access to a community of trusted English-speaking physicians in more than 180 countries. Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC en CA y en NY) ofrece una variedad de seguros médicos de viaje en los EE. UU. Con marcas líderes. HTH ofrece una amplia selección de planes de seguro médico para viajes que incluyen cobertura para atención hospitalaria, cirugía, visitas al consultorio, medicamentos recetados y evacuación médica. Viaje por el mundo con confianza sabiendo que tiene un acceso conveniente a nuestra comunidad de médicos de habla inglesa de confianza en más de 180 países. El acceso a los médicos de élite puede conducir a un mejor diagnóstico, tratamiento y resultados. Beneficios más completos significa que la cobertura está ahí cuando la necesita. Seguro con calificación A (excelente), que ofrece tranquilidad. Nuestros proveedores contratados facturan a HTH directamente *, lo que elimina la burocracia y los trámites burocráticos. Los miembros de HTH obtienen acceso a herramientas críticas de salud y seguridad, por lo que la crisis inesperada puede evitarse o resolverse rápidamente. Comprehensive Travel Insurance Options Trip Protector Economy 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 Trip Protector Classic A comprehensive plan that offers travel protection plus travel medical insurance Trip cancellation up to $25,000/Trip interruption up to 150% of trip cost $250,000 medical for sickness and injury/$1,000,000 medical transportation Includes all TripProtector Economy coverages plus Natural disaster, terrorist incident and bankruptcy Pre-existing condition exclusion waiver may be available if purchased within 14 days of initial trip deposit. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Trip Protector Preferred 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 $500,000 medical for sickness and injury/$1,000,000 medical transportation TripProtector Economy and Classic coverages plus Cancel for Any Reason (optional). Pre-existing condition exclusion waiver may be available if purchased within 21 days of initial trip deposit. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Travel Medical Plans Single Trip option for travelers with primary health insurance Short term international travel medical plans for leisure, educational, missionary or business travel Choice of varying medical limits and deductibles For trips outside the U.S. up to 6 months for ages 95 or younger Covers pre-existing conditions for medical services and medical evacuation. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Single Trip option for travelers without primary health insurance Short term international travel medical plans for leisure, educational, missionary or business travel Choice of varying medical limits and deductibles For trips up to 6 months for ages 95 or younger Covers pre-existing conditions for medical evacuation. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Multi Trip Annual Plan Medical Benefits Essential Choice Maximum International Benefits per Insured Person per policy period: $500,000* $1,000,000* For Individuals aged 70 - 95, the Maximum International Medical Benefit for Multi-Trip Preferred is $100,000. Deductible per Insured Person per policy period Global Health and Safety Services 24 Hour/ 7 Day Global Medical Assistance Covers all international trips (up to 70 days duration per trip) in a 12 month period. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Speciality Plans International Students & Faculty Coverage for international students and faculty in the U.S. and Abroad Unlimited medical maximum Deductible waived for office visits/J1 Visa compliant options No waiting period for preventive services Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Outbound option for Students & Faculty Short term health insurance for U.S. students and faculty traveling Abroad Up to $1 million in coverage Medical, Evacuation, RX, AD&D No hospital pre-certification penalty Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con ¿Seguro de viaje HTH? Viaje por el mundo con confianza sabiendo que tiene acceso conveniente a nuestra comunidad de médicos de habla inglesa de confianza en más de 180 países. Información de contacto para el seguro de viaje de HTH > Atención al cliente 888-243-2358 > Horas de operación De lunes a viernes, de 8:00 a. M. A 8:00 p. M. ET Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Horas de funcionamiento de reclamaciones: De lunes a viernes, de 8:00 a. M. A 8:00 p. M. ET > Contacto de reclamaciones Tel: 888-243-2358 Fax: 610-293-3528 Sitio web de reclamaciones de proveedores Asistencia de emergencia > Enviar por correo a Seguro de viaje HTH c / o Departamento de Reclamaciones 933 Primera Avenida Rey de Prusia, Pensilvania 19406 Presentar reclamaciones Encuentre un médico / hospital

Tokio Marine Holdings, Inc, is a multinational insurance holding company headquartered in Tokyo, Japan. It is the largest property/casualty insurance group in Japan in terms of revenue and is the parent company for the Tokio Marine Group which employs 39,000 people in 38 countries worldwide. Tokio Marine Holdings, Inc, es un holding de seguros multinacional con sede en Tokio, Japón. Es el grupo de seguros de propiedad y accidentes más grande de Japón en términos de ingresos y es la empresa matriz de Tokio Marine Group, que emplea a 39.000 personas en 38 países en todo el mundo. Visit website Por qué elegir World Trips A lo largo de los años, TOKIO MARINE now WORLD TRIPS ha ganado una vasta experiencia en la defensa del progreso y hemos llegado a comprender la importancia de cómo los seguros pueden utilizarse como una herramienta para afrontar desafíos financieros, vivir en voz alta y asumir riesgos formidables que son vitales. para cosechar el éxito. Así es como el seguro ha hecho posibles muchos milagros de hoy en día porque le ha dado al hombre común la confianza para tomar riesgos sin miedo. Desde 1998, han estado ayudando a los viajeros internacionales a navegar por el mundo con confianza. Ofrece una variedad de planes de seguro médico de viaje adaptables y económicos para satisfacer las necesidades de personas y grupos que viajan por placer, negocios, trabajo misionero, estudios en el extranjero y más. Los servicios de seguro médico de World Trips han diseñado la serie Atlas para eliminar los riesgos de los viajes internacionales, para que pueda tener un viaje agradable y productivo. Empaque protección integral para sus viajes, ya sean personales o de negocios. Elija entre los planes Classic o Premier y esté protegido de emergencias importantes o inconvenientes comunes de viaje. Planes integrales Atlas Journey® Insurance Short-term trip cancellation insurance for U.S. residents traveling domestically and abroad. Atlas Journey is comprehensive trip protection insurance for domestic and international travel. Choose from three levels of coverage: Atlas Journey Premier, Atlas Journey Preferred, and Atlas Journey Economy. Atlas Journey offers coverage for trip cancellation, trip interruption, travel delay, missed connection, and other travel-related benefits. It also provides coverage for emergency medical expenses and medical evacuation Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Atlas On-The-Go® Insurance Short-term travel insurance for U.S. residents traveling at home or abroad. Atlas On-The-Go is a travel insurance plan featuring reimbursement for trips that are cut short unexpectedly. This plan also provides coverage for medical emergencies, baggage damage or loss, missed connections, and other travel interruptions. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Planes médicos de viaje Atlas Travel® Insurance Short-term travel health insurance for individuals traveling outside of their home country. Whether you're traveling abroad for business or pleasure, Atlas Travel insurance can offer an international coverage plan for you. Atlas Travel can cover trips between 5 and 364 days. In addition to medical benefits for unexpected injuries and illnesses, Atlas Travel insurance offers benefits for emergency medical evacuation, terrorism, political evacuation, recreational sports and activities, and more. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Atlas MultiTrip™ Insurance Short-term travel health insurance for individuals taking multiple international trips throughout the year outside of their home country. Atlas MultiTrip is annual travel health insurance for individuals and their families who plan to take multiple trips abroad in a one-year period. Travelers can make one payment and receive international health coverage for multiple trips of up to 30 or 45 days each, as elected by the insured. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Planes de especialidad Student Secure® International Insurance International student health insurance for students pursuing their education outside of their home country. StudentSecure is designed to meet the insurance needs of full-time students and scholars studying abroad. The StudentSecure series offers four levels of coverage—Elite, Select, Budget, and Smart—so you can choose the plan that fits your needs and budget. These plans may include coverage for emergency medical evacuation, leisure sports and activities, mental health treatment, maternity and more. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Atlas Group® Insurance Short-term travel health insurance for groups of 5 or more traveling outside of their home country. Atlas Group is travel health insurance offered to groups of 5 or more individuals who are traveling abroad for up to 364 days. This plan provides the same benefits and services of our popular Atlas Travel plan at a 10% reduced group rate. Designed for missionary groups, student groups, business professionals, and families, Atlas Group provides coverage for unexpected medical expenses, emergency medical evacuation, repatriation of remains, and more. Customize & Buy View Brochure Underwritten By: United States Fire Insurance Company Underwritten Location: 5 Christopher Way, Eatontown, NJ 07724 Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con Viajes por el mundo? Un multilingue Equipo de asistencia en viaje de emergencia 24 horas al día, 7 días a la semana Información de contacto para viajes por el mundo > Atención al cliente 800-605-2282 > Horas de funcionamiento Todos los días, las 24 horas del día Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Horas de operación de reclamos: Todos los días, las 24 horas del día > Contacto de reclamaciones Tel: 800-605-2282 Fax: 317-262-2140 Sitio web de reclamaciones de proveedores Asistencia de emergencia > Enviar por correo a Tokio Marine HCC - Grupo de servicios de seguros médicos Apartado de correos 2005 Farmington Hills, Michigan 48333 Presentar reclamaciones / guía Encuentre un médico / hospital

All recommended adventure and sports travel insurance plans cover typical vacation activities.If you plan to participate in more adventurous activities when you travel, consider buying this additional optional coverage. 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

Travelex Insurance Services is a leading travel insurance provider in North America with over 55 years of combined industry expertise of helping people dream, explore and travel with confidence. Travelex is committed to delivering exceptional products and services to their clients. 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 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 Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con Seguro IMG? Travel Relaxed. Travel Secure. Travel Insured. Información de contacto de IMG Insurance > Atención al cliente 866-263-0669 > Correo electrónico de reclamaciones Consulte el número de fax, la dirección de correo electrónico o la dirección postal en sus documentos IMG. > Enviar a 2960 North Meridian Street Indianápolis, IN 46208 Correo electrónico de reclamaciones Sitio web de reclamaciones de proveedores Presentar reclamaciones Compare Plans

Visit our resources page to help guide you on Travel insurance terminology. NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? General19 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

Travel with Insurance can be overwhleming. Visit our FAQ section to help guide you on common questions and information you need to know. 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 www.travelwithinsurance.com Adventure / Sports Trips | Travel with Insurance All recommended adventure and sports travel insurance plans cover typical vacation activities.If you plan to participate in more adventurous activities when you travel, consider buying this additional optional coverage. Are you traveling long term? Expatriates, Marine Crew, Missionary? We have narrowed down your search to these recommended plans for you to select from. www.travelwithinsurance.com Long Term | Travel with Insurance Worldwide health / travel insurance specifically designed for crews, missionary or student travelers as well as annual plans for individuals and their families who intend to be outside their home country for at least 3 months each year. These plans are designed to support the international lifestyles of those who travel to or from the United States for extended periods of business, leisure and study. 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. www.travelwithinsurance.com Student Travel Insurance | Travel with 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. Student travel insurance 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 www.travelwithinsurance.com Group Travel Insurance | Travel with Insurance 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. 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 www.travelwithinsurance.com Cruise Ship Insurance | Travel with Insurance 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 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. www.travelwithinsurance.com Medical Evacuation & Repatriation Plans | Travel with Insurance Medical Evacuation & Repatriation Plans covers the expenses and associated services for your emergency medical evacuation or repatriation back to your home country. We offer a comprehensive, competitive service with a strong network of leading insurance and financial partners. 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. travelwithinsurance.com Travel with Insurance | You Explore . We Protect Travel with Insurance delivers online based, insurance information to individuals, families and businesses and make sure that you receive the very best travel Insurance quotes and service for your trip. We offer a comprehensive, competitive service with a strong network of leading insurance and financial partners. 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. www.travelwithinsurance.com Costa Rica | Travel with Insurance Costa Rica Required Travel Insurance The government of Costa Rica has implemented the following requirements for visitors abroad to comply with before entering the country. Our travel insurance plans covers all you need to travel with peace of mind to Costa Rica. 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 What if I contract Coronavirus while I’m on my trip? If you purchase one of the recommended plans, your medical expenses for Coronavirus can be covered by the COVID-19 Treatment benefit and your medical expenses for treatment for Coronavirus contracted on your trip can be covered. Coverage for COVID-19: Benefits may include coverage for Travel Delay if you are delayed for the required number of hours for an applicable covered reason. Covered reasons vary by plan, so review your plan document. What kind of travel insurance covers for Covid? Both travel medical insurance and trip insurance offer specific Covid related coverage and benefits. This includes coverage for the highly transmissible Omicron variant. If any strain of Covid is contracted after the policy effective date, then travel medical insurance can provide coverage. Similarly, if someone has to cancel their trip due to contracting Covid, trip insurance can cover some of the non-refundable costs. For the most up-to-date information on the Omicron variant or any other variant, please contact the WHO or the CDC. Does travel insurance cover the Covid test? There are plans that offer Covid coverage that will cover the cost of testing if the insured is having symptoms and the attending physician orders it for diagnostic grounds. Preventative Covid tests do not qualify for coverage. Will my visitor insurance cover for Covid vaccination? Travel insurance does not cover the Covid vaccination, which means you'll need to pay for the Covid vaccine. If you're traveling to the United States, for example, make sure you do research on exactly which vaccines are acceptable. However, if the virus was contracted during the policy's coverage period, there are travel medical and trip cancellation insurance plans that can cover Covid treatment and services. With the introduction of new Covid variants, it is recommended that you obtain travel medical insurance coverage that includes Covid benefits so you can relax while traveling overseas. Does travel insurance cover quarantine? Is quarantine covered by Covid travel insurance? Covid coverage and quarantine benefits are included in several travel medical and trip insurance plans. To use the quarantine benefits on their travel medical insurance plan, the policyholder must meet the following requirements: Covid-19 and quarantine indemnity compensation must be covered by your travel medical insurance plan. After the policy's effective date, the attending physician must diagnose Covid-19. In order to be covered, services and treatments must be ordered by a medical doctor. This can entail things like diagnostics, treatment, medicine, and being placed in quarantine. If I cancel my trip because of Covid, will it be covered? If you have travel medical insurance and need to cancel your trip due to Covid, you may cancel and obtain a refund before the effective date, depending on the plan you selected (date of departure). For any limitations or exclusions, please verify the cancellation terms and conditions for your specific plan. A "free look back period" is a period during which a policyholder can cancel their trip insurance coverage and receive a full refund if they do so within a certain duration. The length of the free look back period varies by plan. If a policyholder needs to cancel a trip due to contracting Covid after the free look back time has elapsed, they can use the trip cancellation benefit on the policy. If an insured person has to cancel their trip due to Covid illness, they can claim the policy's trip cancellation benefit once the free review period has expired. This benefit can cover up to 100% of non-refundable prepaid travel expenses. If the holder of a travel insurance policy needs to cancel for any other reason that is not covered, he/she should consider purchasing a plan that offers Cancel for Any Reason (CFAR) coverage. CFAR is an optional benefit that policyholders can add to their standard coverage. With this benefit, you can cancel for any reason and the insurance company can reimburse the policyholder for up to 75% of the prepaid non-refundable travel expenses. Can I Buy Travel Insurance if There are Travel Advisories in Place? With the vaccine rollout, many countries are allowing travel again. If you decide to travel, be sure to take necessary precautions to protect yourself and your loved ones from the virus. Some countries are now requiring all visitors to purchase travel insurance. Please refer to your local government’s regulations and advisories. If I am Traveling Overseas and I Get Covid, Can My Travel Insurance Help Me Be Evacuated? Some travel medical and trip insurance plans do provide coverage for emergency medical evacuation. The coverage and limitations on the emergency medical evacuation will depend on the plan purchased. The evacuation will either be to the nearest hospital or back to the insured’s home country for additional treatment. Be sure to read the policy details carefully before purchasing. If I am Overseas and Get Covid, Will My Domestic Health Insurance Cover It? Many people may not know that their domestic healthcare most likely will not provide coverage outside of their home country. This is why it’s important to have a travel insurance plan while traveling abroad.

Annual Travel Medical Insurance Plans. These policies cover you for the period of one full calendar year beginning on the effective date you enter when purchasing coverage. We offer a comprehensive, competitive service with a strong network of leading insurance and financial partners.  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: Crum & Forster SPC 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

Travel with Insurance offers comprehensive Travel Insurance Plans including Trip Cancellation which covers cancellations, interruptions, baggage, delays, medical, evacuation, and more. ¿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. Multi / Anual Seguro de viaje de viaje NECESITA VIAJE INDIVIDUAL / MULTI SEGURO DE VIAJE? Seven Corners Trip Protection (for US Residents) Seven Corners Trip Protection travel insurance protects trip expenses, medical expenses, and baggage for one-way and round trips in the USA and abroad. If you cancel your trip for a covered reason, the Trip Cancellation benefit in our plans reimburses unused, nonrefundable payments or deposits for the travel arrangements you purchased for your trip. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter: The United States Fire Insurance Company Trip Protector (Trip cancellation for US Residents) Select from 3 plans Economy Classic Preferred Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter Travel insurance plans underwritten by Nationwide® to protect your vacation investment Trip cancellation (for US Residents) TravelSafe travel protection is curated for residents of the United States. Whether you are traveling domestically or abroad, our plans offer coverage to help protect your trip, your belongings, and those who go along for the adventure. ach plan has travel insurance benefits and non-insurance assistance services to help protect your trip, your belongings, and those who go along for the adventure. Customize & Buy View Brochure AM Best Rating: A (Excellent) Underwriter Travel insurance plans underwritten by Nationwide® to protect your vacation investment Safe Travels Voyager for US Citizens Covers trip cancellation from $0 up to $100,000 and includes $250,000 Primary Medical with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. The optional Cancel for Any Reason (CFAR) provides reimbursement for the percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. Trip cancellation for US citizens and US Residents travelling to other countries or domestically Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Basic Annual Just the necessities. Our Basic level includes our Worldwide 24/7 Emergency Assistance Services, up to $2,500 per Annual Policy Term for Trip Cancellation and Interruption, $10,000 coverage for Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 EXPENSES are covered and treated as any other sickness. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Deluxe Annual The Annual Deluxe Plan features everything in the Basic plan plus we have included Itinerary Change coverage. This plan features $5,000 for Trip Cancellation per Annual Policy Term and Interruption and $20,000 Emergency Medical Expense as well as baggage and many other essential benefits while you travel. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Safe Travels Executive Annual The Executive Plan offers all the benefits of both Basic and Deluxe level coverage plus coverage for Sports Equipment Rental! There’s more! $10,000 for Trip Cancellation and Interruption. $50,000 for Emergency Medical Expense, $1,000 for baggage. COVID-19 MEDICAL EXPENSES are covered and treated the same as any other sickness. Coverage starts the day after purchase. Covers US CITIZENS/US RESIDENTS ONLY Not available in Florida, Washington & New York Customize & Buy View Brochure Underwritten by: Nationwide Comparison Quote Each of the Travel Insured Worldwide Trip Protector plans include the Trip Cancellation and Trip Interruption coverage as well as Travel Medical Insurance and Medical Evacuation and Baggage Delay, Loss, Theft, and Damage. Travel Insured provides coverage for medical expenses incurred during travel, particularly outside of the U.S., that health insurance providers frequently deny as out of network. With the medical benefits included in these plans, you can help ensure access to quality medical treatment wherever you travel and protect yourself from unexpected travel medical and evacuation expenses Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company Worldwide Trip Protector (WTP) Accident & Sickness Medical Expense $100,000 Option for Cancel for Any Reason (CFAR) and Option for Interruption for Any Reason (IFAR) Medical Evacuation and Repatriation of Remains $1,000,000 Non-Insurance Worldwide Assistance Services are included in both plans and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug/Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 21 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan. COVID 19 is considered an illness and treated the same as any illness Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company World Trip Protector (Edge) Accident & Sickness Medical Expense $10,000 Medical Evacuation and Repatriation of Remains $100,000 Non-Insurance Worldwide Assistance Services are included in this plan and include Medical or Legal Referral, Inoculation Information, Hospital Admission Guarantee, Telemedicine, House Calls, Translation Service, Lost Baggage Retrieval, Passport/Visa Information, Emergency Cash Advance, Bail Bond, Prescription Drug / Eyeglass Replacement, ID Theft Resolution Service, Concierge Service, and Business Concierge The Pre-Existing Condition Exclusion will be waived if you purchase the protection plan within 14 days of the date your initial trip payment or deposit is received and you are medically able and not disabled from travel at the time you purchase the plan. COVID 19 is considered an illness and treated the same as any illness. Customize & Buy View Brochure AM Best Rating: A Excellent Underwritten by United States Fire Insurance Company

One of the last privately owned travel insurance companies in the U.S. TravelSafe knows the meaning of keeping it personal. Our company is privately owned and operated, right here in the United States. We get to know our customers on a first name basis, and you get personalized service with every point of contact. Una de las últimas compañías de seguros de viaje de propiedad privada en los EE. UU. TravelSafe conoce el significado de mantenerlo personal. Nuestra empresa es de propiedad y operación privada, aquí mismo en los Estados Unidos. Conocemos a nuestros clientes por su nombre y usted obtiene un servicio personalizado con cada punto de contacto. Visit website Por qué elegir el seguro TravelSafe Un conjunto completo de cobertura para usted y su inversión en viajes. Estos planes van mucho más allá de la simple cobertura de viaje y le brindan una amplia variedad de beneficios para que pueda cubrir su viaje, sus pertenencias y usted mismo. Son todos los beneficios de su seguro de viaje, todos en el plan que elija. TravelSafe ofrece una línea completa de seguros de viaje para viajeros individuales, familiares, de negocios, grupales y estudiantes, con asistencia de emergencia las 24 horas incorporada en cada plan. Planes de protección de viaje Planes grupales para estudiantes y adultos Plan solo médico Planes para viajeros de golf Planes de protección de viaje ofrecidos por TravelSafe TravelSafe Basic The TravelSafe Basic plan is the most economical of plans and may be ideal if you are traveling on a budget. It includes all the standard comprehensive travel insurance benefits that may help to reimburse you for any unexpected costs due to travel concerns such as cancellation, interruption, baggage loss or delay, or travel delays. The Basic plan also has emergency medical and emergency medical evacuation coverage. These benefits can help to fill gaps in your primary health insurance plan if you suffer a covered illness or injury while traveling. Customize & Buy View Brochure Underwritten By: Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, OH. TravelSafe Classic The TravelSafe Classic plan, like the Basic plan, offers trip cancellation and trip interruption coverage with a longer list of covered perils for these benefits. The plan also features other standard comprehensive travel insurance benefits such as baggage protection, travel delay, and emergency medical coverage. Customize & Buy View Brochure Underwritten By: Nationwide Mutual Insurance Company and Affiliated Companies, Columbus, OH. Planes de protección de viaje ofrecidos por TravelSafe 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. TravelSafe Plan for Canadians Multiple Travel Insurance plans exclusively for Canadian residents including CFAR (Cancel for Any Reason Option) Customize & Buy View Brochure Travel Insurance offered herein is distributed by CanAm Insurance Services (2018) Ltd. Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con CSA TravelSafe? Juegas. Protegemos. Información de contacto de TravelSafe Para informar un reclamo Presente todos los reclamos al Administrador de reclamos utilizando uno de los siguientes métodos: > Atención al cliente 1-888-885-7233 Llame gratis: 866-509-7713 (dentro de los Estados Unidos y Canadá) Llamada por cobrar: 603-952-2047 (desde todas las demás ubicaciones) > Horas de funcionamiento de lunes a viernes De 8:30 a. M. A 5:00 p. M. ET Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Horas de funcionamiento de reclamaciones: De lunes a viernes, de 8:00 a. M. A 5:00 p. M. ET > Contacto de reclamaciones Tel: 877-539-6729 Fax: 800-560-6340 Sitio web de reclamaciones de proveedores Asistencia de emergencia > Enviar por correo a Planes de beneficios coordinados en nombre de US Fire Insurance Company Apartado de correos 26222 Tampa, Florida 33623 Recursos de política Encuentre un médico / hospital

Generali Global Assistance (Formerly known as CSA Travel Protection) is a leading provider of travel insurance and other assistance services for consumers and business partners around the world. Founded in 1991 and based in San Diego. CSA Travel Protection (ahora conocida como Generali Global Assistance) es un proveedor líder de seguros de viaje y otros servicios de asistencia para consumidores y socios comerciales de todo el mundo. Fundada en 1991 y con sede en San Diego. Visit website Por qué elegir CSA Travel Protection Tenga la seguridad de que su marca puede haber cambiado, pero ofrecen la misma calidad de seguro de viaje, asistencia de emergencia y excelente servicio al cliente en el que ha confiado durante más de 25 años. GGA también ha lanzado tres nuevos planes de seguro de viaje que combinan el conocimiento institucional y la calidad construida por CSA durante décadas, con el respaldo y la capacidad de suscripción de una marca de seguros global. Pueden aprovechar al máximo la escala global y los recursos de una de las corporaciones más fuertes y exitosas del mundo, el Grupo Generali , al tiempo que mantienen el compromiso con el servicio al cliente. Desde problemas de viaje comunes como viajes cancelados y viajes retrasados, hasta asistencia en el terreno las 24 horas, los 7 días de la semana con emergencias como huracanes y evacuaciones médicas en helicóptero, CSA está allí cuando su viaje no sale como estaba planeado. Planes integrales 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: Generali U.S. Branch, New York, NY; NAIC # 11231. Preferred and Standard Plans Ideal for sporting goods, ski, golf and hiking trips Our Preferred travel insurance plan includes the same coverages and assistance services as the Standard plan, plus specific coverages for Sporting Equipment. Great for ski, golf, hiking trips, international travel and more. Trip cancellation 100% of trip cost insured Trip interruption Up to 150% of trip cost insured Customize & Buy View Brochure Underwritten by Generali U.S. Branch, New York, NY; NAIC # 11231. Cobertura para la enfermedad COVID-19 Si a usted, un miembro de su familia o un compañero de viaje se le diagnostica COVID-19 antes o durante su viaje, y cumple con los requisitos de cobertura debido a enfermedad , puede estar cubierto por Cancelación de viaje, Interrupción de viaje, Retraso de viaje, Médico y dental, y Asistencia y transporte de emergencia, además de nuestros servicios de Asistencia de emergencia las 24 horas, los 7 días de la semana. Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con ¿Protección de viaje CSA? El mundo te espera. Ir de viaje. Información de contacto de CSA Travel Protection / Generali Global > Atención al cliente 800-874-2442 > Horas de operación Lunes a viernes: 6 a. M. A 6 p. M. PT, sábado a domingo: 6 a. M. A 3 p. M., Hora del Pacífico Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Horas de operación de reclamos: Lunes a viernes: 6:00 a. M. A 6:00 p. M., Hora del Pacífico > Teléfono de reclamaciones Tel: 800-541-3522 Fax: 877-300-8670 > Enviar a Asistencia global de Generali PO Box 939057 San Diego, California 92193-9057 Sitio web de reclamaciones de proveedores Asistencia de emergencia Presentar reclamaciones Encuentre un médico / hospital

A leading provider of USA & International Travel Insurance, Visitor Insurance for visitors traveling to the USA, Trip Cancellation Insurance, International Student Insurance and more. Founded in 1998, Trawick International® offers many different types of insurance products to travelers all around the world. They continue to research ground-breaking plans to satisfy the needs of travelers everywhere. Un proveedor líder de seguros de viaje internacionales y para EE. UU., Seguro de visitante para visitantes que viajan a EE. UU., Seguro de cancelación de viaje, Seguro para estudiantes internacionales y más. Visit website Por qué elegir Trawick International Fundada en 1998, Trawick International® ofrece muchos tipos diferentes de productos de seguros a viajeros de todo el mundo. Continúan investigando planes innovadores para satisfacer las necesidades de los viajeros en todas partes. Trawick International es un proveedor de seguros mundial con experiencia en seguros médicos para viajes internacionales y seguros médicos para estudiantes internacionales. Brindan cobertura médica, evacuación de emergencia, repatriación, reunión de emergencia, evacuación de seguridad / política y mucho más para cualquier persona que viaje fuera de su país de origen. Trawick International ofrece una extensa red mundial de médicos, hospitales y farmacias de calidad tanto en los EE. UU. Como en todo el mundo ". Forbes Advisor otorgó a Trawick International los máximos honores en su lista de Mejores compañías de seguros de viaje para consumidores. De las 15 compañías de seguros de viaje clasificadas por el medio de noticias financieras, Trawick International ocupó el primer lugar, según la rigurosa metodología de Forbes basada en datos. Trawick International está acreditado por Better Business Bureau (BBB) con una calificación A + para nuestras operaciones comerciales responsables, confiables y centradas en el cliente. Comprehensive Travel Insurance Options 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 Safe Travels Explorer Plus The Explorer Plus plan features everything in the Explorer plan along with coverage for Pre-Existing Medical Conditions on plans purchased within 7 days of making your initial trip deposit. 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 coverage for 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 Safe Travels Journey The Journey plan includes all the benefits as the Explorer Plus with extended coverage and coverage for airline ticket exchange fees. This product includes coverage for Pre-Existing Medical conditions when purchased prior to or within 14 days of making your deposit and $150,000 of Emergency Medical Coverage along with $500,000 of Emergency Evacuation coverage. 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 Safe Travels Voyager for US Citizens Covers trip cancellation from $0 up to $100,000 and includes $250,000 Primary Medical with coverage for Pre-Existing Medical conditions on plans purchased prior to or with final trip payment. The optional Cancel for Any Reason (CFAR) provides reimbursement for the percentage of the prepaid, non-refundable, forfeited payments you paid for your trip, if you cancel your trip for any reason not otherwise covered. Must be purchased with initial policy and within 21 days of the initial trip deposit date, and the full, nonrefundable trip cost is insured. Trip cancellation for US citizens and US Residents travelling to other countries or domestically Customize & Buy View Brochure Underwritten by: Nationwide Travel Medical Plans Safe Travels Outbound Travel Medical and Evacuation Plan - for US Citizens and US Residents traveling outside the USA Primary Medical Plan for US Citizens and US Residents traveling outside the USA for up to 180 days. It includes medical, emergency medical evacuation, repatriation, and security evacuation and is for those traveling outside the United States. Rates are based on age and plan choices. Minimum 5 days of coverage purchase - up to 180 days. COVID-19 EXPENSES are covered and treated as any other sickness. This is stated on the VISA letter you receive upon purchase. Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Safe Travels Outbound Cost Saver Safe Travels Outbound Cost Saver is an excess temporary travel medical plan for US Citizens and US Residents while traveling outside the USA for up to 180 days. It includes medical, emergency medical evacuation, repatriation, and security evacuation and is for those traveling outside the United States. Rates are based on age and plan choices. Minimum 5 days of coverage purchase - up to 180 days. COVID-19 EXPENSES are covered and treated as any other sickness. This is stated on the VISA letter you receive upon purchase. Travel Medical and Evacuation Plan - for US Citizens and US Residents traveling outside the USA Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Safe Travels USA For NON US Citizens traveling to the USA or traveling to USA with a side trip or stop in another country (Must have some time in USA) For Non US Citizens and Non US Residents traveling to the USA or to USA and Worldwide for up to 364 days Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Safe Travels USA Cost Saver Safe Travels USA Cost Saver plan provides coverage to non-US citizens who reside outside the USA and are traveling outside their Home Country to visit the United States or to the United States & Worldwide for up to 364 days This plan is not available to green card holders in the USA or US Citizens. This plan is not available to anyone age 90 or above. This plan does not cover any treatment for or complications arising from COVID-19, SARS-CoV-2 Illness. Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Safe Travels USA Comprehensive For Non US Citizens and Non US Residents traveling to the USA or to USA and Worldwide for up to 364 days. Covers Acute Onset of Pre-Existing conditions up to the policy maximum on some ages. Covers one Well Visit per policy. Rates are based on age, policy maximum and Out of Network Deductible choice. COVID-19 EXPENSES are covered and treated as any other sickness. Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Safe Travels International Travel Medical and Related Benefits for persons traveling outside their home country. 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 Safe Travels International Cost Saver 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. It does not cover any treatment for or complications arising from COVID-19,SARS-CoV-2 Illness. 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 Planes de especialidad 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 Planes de especialidad Safe Travels Rental Plus Safe Travels Rental Plus is an important way to protect your vacation investment against unforeseen circumstances that may occur before or during your scheduled trip. Travel Protection and Cancel for Any Reason Travel Protection offered Available to US Citizens and US Residents. Coverage may be purchased at time of initial booking; Up to 30 days before initial check-in. Customize & Buy View Brochure Underwritten by Crum and Forster, SPC Visite su sitio web para conocer la gama completa de planes y beneficios disponibles Visita la página web Quiere asegurarse con Trawick International? Seguro de viaje para cada viaje Información de contacto de Trawick International Para usar con estas políticas: Safe Travels USA Cost Saver, Safe Travels USA Comprehensive, Safe Travels International sin EE. UU., Safe Travels International Cost Saver sin EE. UU. > Atención al cliente 888-301-9289 > Horas de funcionamiento De lunes a viernes de 8:00 a. M. A 6:00 p. M. CT Correo electrónico de reclamaciones Ampliar o renovar la cobertura > Horas de funcionamiento de reclamaciones De lunes a viernes de 8:00 a. M. A 6:00 p. M. CST > Contacto de reclamaciones Tel: 866-696-0409 Fax: 866-616-0444 Sitio web de reclamaciones de proveedores Asistencia de emergencia > Dirección postal Planes de beneficios coordinados, LLC en nombre de Crum y Forster Apartado de correos 2069 Fairhope, Alabama 36533 Presentar reclamaciones Encuentre un médico / hospital