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Emergency

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Emergency Evacuation

The Company will pay benefits for Covered Expenses incurred, up to the Maximum Benefit shown on the Confirmation of Coverage, if an Accidental Injury or Sickness commencing during the course of the Trip results in Your or a Traveling Companion’s necessary Emergency Evacuation. All Maximum Benefits referred to in this benefit are aggregate amounts for all Losses sustained by You and all Traveling Companions. An Emergency Evacuation must be ordered by a Physician who certifies that the severity of Your or the Traveling Companion’s Accidental Injury or Sickness warrants Your or the Traveling Companion’s Emergency Evacuation.

Emergency Evacuation means:
(a) Your or the Traveling Companion’s medical condition warrants immediate Transportation from the hospital where You or the Traveling Companion are first taken when injured or sick to the nearest Hospital where appropriate medical treatment can be obtained;
(b) after being treated at a local Hospital, Your or the Traveling Companion’s medical condition warrants Transportation to where You or the Traveling Companion reside, to obtain further medical treatment or to recover; or
(c) both (a) and (b), above.

Covered Expenses are reasonable and customary expenses for necessary Transportation, related medical services and medical supplies incurred in connection with Your or the Traveling Companion’s Emergency Evacuation. All Transportation arrangements made for evacuating You or the Traveling Companion must be by the most direct and economical route possible. Expenses for Transportation must be:
(a) recommended by the attending Physician;
(b) required by the standard regulations of the conveyance transporting You or the Traveling Companion; and
(c) authorized in advance by the Company or its authorized representative.

Transportation of Dependent Children: If You or the Traveling Companion are in the Hospital for more than seven (7) days, the Company will return Your or the Traveling Companion’s unattended Dependent Children accompanying You or the Traveling Companion on the scheduled Trip, to their home or Your or the Traveling Companion’s next of kin with an attendant if necessary.

Transportation to Join You or a Traveling Companion: If You or a Traveling Companion are in a Hospital alone for more than seven (7) consecutive days, or if the attending Physician certifies that due to Your or the Traveling Companion’s Accidental Injury or Sickness, You or the Traveling Companion will be required to stay in the Hospital for more than seven (7) consecutive days, upon request the Company will bring a person, chosen by You or the Traveling Companion, for a single visit to and from Your or the Traveling Companion’s bedside provided that repatriation is not imminent.

Transportation services are provided if authorized in advance by the assistance provider, and are limited to necessary
Economy Fares less the value of applied credit from unused travel tickets, if applicable.

Transportation means any Common Carrier, or other land, water or air conveyance, required for an Emergency
Evacuation and includes air ambulances, land ambulances and private motor vehicles.

The Company will not cover any expenses provided by another party at no cost to You or already included within the cost of the Trip.

Emergency Accident Medical Expense

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Coverage, if You or a Traveling Companion incur Covered Medical Expenses for Emergency Treatment of an Accidental Injury that occurs during the Trip.

Emergency Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Accidental Injury.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery from an Accidental Injury;
(c) charges for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
(d) ambulance service; and
(e) drugs, medicines and therapeutic services.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or to the Traveling Companion or already included within the cost of the Trip.

The Company will pay benefits up to the Maximum Benefit shown on the Confirmation of Coverage for dental Emergency Treatment for Accidental Injury to Sound Natural Teeth. Both the Accidental Injury and the dental Emergency Treatment must occur during the Trip.

If You or the Traveling Companion are Hospitalized due to an Accidental Injury that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You or the Traveling Companion are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

Emergency Sickness Medical Expense

The Company will reimburse benefits up to the Maximum Benefit shown on the Confirmation of Coverage, if You or a Traveling Companion incur Covered Medical Expenses as a result of Emergency Treatment of a Sickness that first manifests itself during the Trip.

Emergency Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Sickness.

Covered Medical Expenses are expenses incurred for necessary services and supplies: (a) listed below; and (b) ordered or prescribed by the attending Physician as Medically Necessary for treatment, that are limited to:
(a) the services of a Physician;
(b) charges for Hospital confinement and use of operating rooms; Hospital or ambulatory medical-surgical center services (this will also include expenses for a Cruise ship cabin or hotel room, not already included in the cost of Your Trip, if recommended as a substitute for a Hospital room for recovery from a Sickness);
(c) charge for anesthetics (including administration); x-ray examinations or treatments, and laboratory tests;
(d) ambulance service; and
(e) drugs, medicines and therapeutic services.

The Company will not pay benefits in excess of the Reasonable and Customary Charges. The Company will not cover any expenses provided by another party at no cost to You or to the Traveling Companion or already included within the cost of the Trip.

If You or the Traveling Companion are Hospitalized due to a Sickness that first occurred during the course of the Trip beyond the Scheduled Return Date, coverage under this benefit will be extended until You or the Traveling Companion are released from the Hospital or until Maximum Benefits under this Certificate have been paid.

***Benefits vary per state.  Click the Certificate of Coverage link below and go to your state of residence to download a detailed Certificate of Coverage