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This is a long page – You get lots of information and prices. The prices on this page are for Washington residents. Click here if you live in FL, here if you live in NY or here if you live in a State not listed.

Travelex Travel Select Trip Cancellation & Interruption Travel Insurance

Travelex’s Travel Select has its strengths & quibbles: (Coverage and Rates may differ by state Note: the items in each row are not related to the other column.)
Why Buy It?	Quibbles
The Travel Select has $50,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation / Repatriation.	Car Rental Collision Coverage Not Available in all States nor for the following Destinations: Ireland, Mexico, Jamaica, Costa Rica
You have to get the Travel not more than 21 days after your initial trip deposit date to cover pre-existing medical conditions and Financial Default. You must insure 100% of your prepaid non-refundable trip costs.	Coverage for you when a Family Member not traveling with you requires that any injury or sickness is considered life-threatening, as certified by a Physician or they require Your immediate care.
The lowest trip cost you can cover is $1. You have $1,000 Return Air if a $700 Trip Cost amount or less was selected at time of purchase.	Travelex does not cover trips to, or cruises who port in the following OFAC destinations: Iran, Libya, North Korea, Syria. Cuba has special purchase requirements.
If You require admission to a Hospital, the Travel Insurance Administrator will arrange advance payment, if required. Hospital confinement must be certified as Medically Necessary by the onsite attending Physician.
Travel arrangements paid by Credit Card Reward Points that have an actual cash value are an insurable trip cost with the Select plan
You have a 15 day Free Look Period
The maximum trip cost you can insure is $50,000 per person
Travel Select has a 60 day pre-existing medical conditions Lookback Period
Trip interruption is 150% of the covered trip cost
Cancel for Work Reasons is included
Travelex’s maximum trip length is 364 days
Travelex is 1 of the 6 companies we trust
If you already know you want the Travel Select plan, click here for Travel Select’s secure online order form. You may us toll free at 1-888-407-3854 to order over the telephone, too.

Travel Select covers you for $50,000 Primary Emergency Medical (you can get $100,000 total as an optional upgrade), $500,000 Emergency Medical Evacuation & 150% Trip Interruption. 15 day money back Smile of Satisfaction Guarantee. Available to anyone who has a Primary Residence in the United States. Travelex Select is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost of the base plan for a maximum trip cost of $10,000, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Number of children is unlimited. Please list accompanying child when enrolling. Your children get a break on their travel costs, so why pay extra for their travel insurance, too? If a child’s trip cost exceeds $10,000 or any adult’s trip cost, the child will be charged the corresponding plan cost. Optional Upgrades are not included at no additional cost.

See all of Travel Select’s State-Specific Policy Documents

A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Select State-Specific Policy Document

Ready to Order? It’s easy (and safe) to order online or over the telephone – just call Deanna, Becky, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858. Click here for the Travel Select secure online order form

Here’s what the Travel Select plan covers:
Plan Name	Travel Select
Secure online order form link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form
Who can get this?	Anyone who has a Primary Residence in the United States
Purchase Guarantee	15 days
Trip Cancellation (per person)	Up to the insured amount
Trip Interruption (per person)	Up to 150% of the insured amount
Primary Emergency Medical (per person) – Travelex may advance payment to a medical facility if needed to secure Your admission (this doesn’t mean paying your bill).	$50,000 with optional upgrade to $100,000 total
Emergency Dental Treatment for Accidental Injury (per person)	$500 Sublimit of Medical
Emergency Medical Evacuation / Repatriation (per person)	$500,000
Your deadline to waive the Pre-Existing Medical Condition exclusion	Included if plan is purchased not more than 21 days after your Initial Trip Deposit Date
Pre-Existing Condition Lookback Period	60 Days
Baggage & Personal Effects (per person)	$1000
Baggage Delay (per person)	$200 after 12 hour delay
Trip Delay (per person)	$750 ($250 per day) after a 5 hour delay
Missed Connection (per person)	$750 after a 3 hour delay
24-hr Accidental Death & Dismemberment (per person)	$25,000
24-hour Assistance Services	Yes
3rd Party Travel Supplier Financial Default	Included if plan is purchased within 21 days of Initial Trip Deposit. 14 day waiting period after effective date of insurance.
Terrorist Incident coverage in Itinerary City	Yes
Insurance Underwriter	Berkshire Hathaway Specialty Insurance Company (A++ Rated)
Optional Benefits (for extra costs that vary depending on age and residence):
Cancel For Any Reason	75% of non-refundable trip cost to $10,000 p/p maximum. Adds 65% to the price
Medical Upgrade	Additional $50,000 Medical Expense and Additional $500,000 Emergency Evacuation
Car Rental Collision Coverage	$35,000 ($100 Deductible) for $10 / day
Additional Flight Accident Insurance	Yes: Flight Accident AD&D $200,000 for $18 per person
Adventure Sports Coverage	Provides coverage for many sports activities which would otherwise be excluded under this plan for $10 per person
Secure online order link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form

Here are the Travel Select prices for Washington residents

Take note of this important Travel Select Plan pricing information:

You may insure a maximum trip cost of $50,000 per person. The table below contains the rates.
It’s the same price for a trip of up to 364 days in length
Here’s the Travel Select plan’s secure online order form

Per Person Trip Cost	Ages 0-34	35-59	60-69	70-74	75-79	80-84	85+
$1-250	$27	$37	$52	$84	$110	$163	$230
$251-500	$29	$41	$60	$94	$122	$180	$254
$501-1000	$36	$54	$76	$113	$142	$207	$287
$1001-1500	$51	$76	$104	$148	$186	$264	$364
$1501-2000	$68	$101	$138	$189	$236	$330	$449
$2001-2500	$86	$129	$175	$237	$294	$406	$554
$2501-3000	$97	$147	$199	$266	$330	$454	$615
$3001-3500	$111	$169	$230	$305	$376	$515	$698
$3501-4000	$125	$189	$257	$338	$418	$570	$773
$4001-4500	$129	$195	$264	$349	$430	$586	$793
$4501-5000	$169	$260	$356	$465	$577	$778	$1,062
$5001-5500	$191	$295	$402	$525	$651	$874	$1,195
$5501-6000	$213	$329	$449	$585	$727	$973	$1,330
$6001-6500	$255	$396	$542	$702	$874	$1,165	$1,597
$6501-7000	$285	$441	$601	$772	$955	$1,271	$1,728
$7001-8000	$302	$468	$636	$816	$1,009	$1,342	$1,825
$8001-9000	$330	$513	$697	$894	$1,106	$1,467	$1,998
$9001-10000	$351	$546	$742	$951	$1,176	$1,559	$2,123
$10001-11000	$374	$579	$788	$1,008	$1,246	$1,650	$2,248
$11001-12000	$395	$612	$833	$1,063	$1,317	$1,742	$2,373
$12001-13000	$416	$646	$878	$1,120	$1,387	$1,833	$2,497
$13001-14000	$437	$679	$923	$1,177	$1,457	$1,925	$2,621
$14001-15000	$458	$712	$969	$1,234	$1,527	$2,016	$2,746
$15001-16000	$480	$746	$1,014	$1,291	$1,598	$2,108	$2,871
$16001-17000	$501	$779	$1,059	$1,348	$1,668	$2,200	$2,996
$17001-18000	$522	$812	$1,104	$1,404	$1,738	$2,291	$3,121
$18001-19000	$543	$845	$1,150	$1,461	$1,809	$2,383	$3,246
$19001-20000	$565	$879	$1,195	$1,518	$1,879	$2,474	$3,371
$20001-21000	$587	$912	$1,239	$1,575	$1,948	$2,566	$3,495
$21001-22000	$608	$945	$1,285	$1,632	$2,018	$2,657	$3,620
$22001-23000	$629	$978	$1,330	$1,689	$2,089	$2,749	$3,745
$23001-24000	$650	$1,012	$1,376	$1,746	$2,159	$2,840	$3,870
$24001-25000	$671	$1,045	$1,420	$1,802	$2,229	$2,932	$3,995
$25001-26000	$693	$1,078	$1,466	$1,859	$2,300	$3,024	$4,120
$26001-27000	$714	$1,112	$1,511	$1,916	$2,370	$3,116	$4,245
$27001-28000	$735	$1,146	$1,557	$1,973	$2,440	$3,207	$4,369
$28001-29000	$757	$1,179	$1,602	$2,030	$2,510	$3,299	$4,494
$29001-30000	$778	$1,212	$1,647	$2,086	$2,581	$3,390	$4,619
$30001-31000	$800	$1,246	$1,692	$2,142	$2,651	$3,482	$4,744
$31001-32000	$821	$1,279	$1,737	$2,199	$2,721	$3,573	$4,869
$32001-33000	$842	$1,312	$1,783	$2,256	$2,792	$3,665	$4,994
$33001-34000	$863	$1,345	$1,827	$2,313	$2,862	$3,756	$5,119
$34001-35000	$884	$1,379	$1,873	$2,370	$2,931	$3,848	$5,243
$35001-36000	$905	$1,412	$1,918	$2,427	$3,001	$3,939	$5,368
$36001-37000	$927	$1,445	$1,964	$2,483	$3,072	$4,031	$5,493
$37001-38000	$949	$1,478	$2,008	$2,540	$3,142	$4,122	$5,618
$38001-39000	$970	$1,512	$2,054	$2,597	$3,212	$4,214	$5,743
$39001-40000	$991	$1,545	$2,099	$2,654	$3,282	$4,305	$5,868
$40001-41000	$1,012	$1,578	$2,144	$2,711	$3,353	$4,397	$5,993
$41001-42000	$1,034	$1,612	$2,189	$2,768	$3,423	$4,488	$6,118
$42001-43000	$1,055	$1,645	$2,234	$2,824	$3,493	$4,580	$6,242
$43001-44000	$1,076	$1,678	$2,280	$2,881	$3,564	$4,671	$6,367
$44001-45000	$1,097	$1,711	$2,325	$2,938	$3,634	$4,763	$6,492
$45001-46000	$1,118	$1,745	$2,370	$2,995	$3,704	$4,855	$6,617
$46001-47000	$1,141	$1,778	$2,415	$3,052	$3,774	$4,947	$6,742
$47001-48000	$1,162	$1,811	$2,461	$3,109	$3,844	$5,038	$6,866
$48001-49000	$1,183	$1,844	$2,506	$3,164	$3,914	$5,130	$6,991
$49001-50000	$1,204	$1,878	$2,551	$3,221	$3,984	$5,221	$7,115
The Travel Select Plan’s Rates are subject to Change

Click here for the Travel Select secure online order form

GENERAL EXCLUSIONS This plan does not cover any loss caused by or resulting from: intentionally self-inflicted Injury, suicide, or attempted suicide of the Insured, Family Member, Traveling Companion or Business Partner while sane or insane; Normal Pregnancy or Childbirth, other than Unforeseen Complications of Pregnancy, of the Insured, a Traveling Companion or a Family Member; participation in professional athletic events; motor sport, or motor racing, including training or practice for the same; mountain climbing that requires the use of equipment such as; pick-axes, anchors, bolts, crampons, carabineers, and lead or top-rope anchoring or other specialized equipment; operating or learning to operate any aircraft, as student, pilot, or crew; air travel on any air-supported device, other than a regularly scheduled airline or air charter; war (whether declared or not) or act of war, participation in a civil disorder, riot, insurrection or unrest; any unlawful acts committed by the Insured; Mental, Nervous or Psychological Disorder; if the Insured’s tickets do not contain specific travel dates (open tickets); being under the influence of drugs or narcotics, unless administered upon the advice of a Physician or intoxication above the legal limit; any Loss that occurs at a time when this coverage is not in effect; traveling solely or substantially for the purpose of securing medical treatment; any Trip taken outside the advice of a Physician; Pre-Existing Medical Conditions of an Insured, Traveling Companion, Business Partner or Family Member (within a 60 day period immediately preceding coverage effective date). The following exclusions also apply to the Medical Expense Benefit: routine physical examinations; mental health care; replacement of hearing aids, eye glasses, contact lenses, sunglasses; routine dental care; any service provided by the Insured, a Family Member, or Traveling Companion; alcohol or substance abuse or treatment for the same; Experimental or Investigative treatment or procedures; care or treatment which is not Medically Necessary, except for related reconstructive surgery resulting from trauma, infection or disease; coverage for Trips less than 100 miles from the Insured’s Primary Residence (also applies to the Emergency Evacuation Benefit). The following exclusions also apply to Accidental Death and Dismemberment: Benefits will not be provided for the following: loss caused by or resulting directly or indirectly from Sickness or disease of any kind; stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm. Please refer to your policy for a complete list of plan exclusions and limitations. The purchase of this product is not required in order to purchase any other travel product or service. Your travel retailer might not be licensed to sell travel insurance and will only be able to provide general information about the product. An unlicensed travel retailer may not answer questions about the terms and conditions of the insurance offered AND may not evaluate the adequacy of your existing insurance coverage. The products being offered provide insurance coverage that only applies during your covered trip. You may have insurance coverage from other sources that provide similar benefits but may be subject to different restrictions depending upon the coverage. You may wish to compare the terms of the travel policy offered through Travelex with any existing life, health, home and automobile insurance policies you may have. If you have questions about your coverage under your existing insurance policies, contact your insurer or insurance agent or broker. The product descriptions provided here are only brief summaries and may be changed without notice. The full coverage terms and details, including limitations and exclusions, are contained in the insurance policy. If you have questions about coverage available under our plans, please review the policy or contact us. Travelex Insurance Services Inc. 9140 West Dodge Road, Suite 300, Omaha, NE 68114. Toll Free 800.228.9792. Email: customersolutions@travelexinsurance.com. Any inquiry regarding claims may be directed to travelex.claims@bhspecialty.com, P.O. Box 31003 Charlotte, NC 28231-1003; 855.205.6054. Inquirers regarding new, existing or denied claims and any other claims questions may also be directed to this address. Consumers in California may also contact: California Department of Insurance Hotline 800.927.4357 or 213.897.8921. Travelex CA Agency License #0D10209. Consumers in Maryland may contact: Maryland Insurance Administration 800.492.6116 or 410.468.2340. Travel Insurance is underwritten by, Berkshire Hathaway Specialty Insurance Company (formerly known as Stonewall Insurance Company), 1314 Douglas Street, Suite 1400, Omaha, NE 68102; NAIC #22276 under Policy Form series (all states except as otherwise noted) PG-TA-IPL-USE. In KS, MN, MO, MT, OR, and VA Policy Form series PG-TA-IPL-NV. In CA Policy Form # PT-TA-IPL-CAEAH, CO Policy Form # PG-TA-IPL-COEAH and PG-TA-IPL-COEIM, IL Policy Form # PG-TA-IPL-ILE, IN Policy Form # PG-TA-IPL-INEAH and PG-TA-IPL-NVIM, MD Policy Form # PG-TA-IPL-MDE, NH Policy Form # PG-TA-IPL-NHE, NY Policy Form # PG-TA-IPL-NVIM and PG-TA-IPL-NVAH-NY, PA Policy Form # PG-TA-IPL-USIM and PG-TA-IPL-NVAH-PA, TX Policy Form # PG-TA-IPL-TXEAH and PG-TA-IPL-TXEIM, WA Policy Form # PG-TA-IPL-NVIM and PG-TA-IPL-WAEAH. 3ZG

This is a long page – You get lots of information and prices. The prices on this page are for Florida residents. Click here if you live in NY, here if you live in WA or here if you live in a State not listed.

Travelex Travel Select Trip Cancellation & Interruption Travel Insurance

Travelex’s Travel Select has its strengths & quibbles: (Coverage and Rates may differ by state Note: the items in each row are not related to the other column.)
Why Buy It?	Quibbles
The Travel Select has $50,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation / Repatriation.	Travelex does not cover trips to, or cruises who port in the following OFAC destinations: Iran, Libya, North Korea, Syria. Cuba has special purchase requirements.
You have to get the Travel Select not more than 21 days after your initial trip deposit date to cover pre-existing medical conditions and Financial Default. You must insure 100% of your prepaid non-refundable trip costs.	Coverage for you when a Family Member not traveling with you requires that any injury or sickness is considered life-threatening, as certified by a Physician or they require Your immediate care.
The lowest trip cost you can cover is $1. You have $1,000 Return Air if a $700 Trip Cost amount or less was selected at time of purchase.
If You require admission to a Hospital, the Travel Insurance Administrator will arrange advance payment, if required. Hospital confinement must be certified as Medically Necessary by the onsite attending Physician.
Travel arrangements paid by Credit Card Reward Points that have an actual cash value are an insurable trip cost with the Select plan
You have a 15 day Free Look Period
The maximum trip cost you can insure is $50,000 per person
Travel Select has a 60 day pre-existing medical conditions Lookback Period
Trip interruption is 150% of the covered trip cost
Cancel for Work Reasons is included
Travelex’s maximum trip length is 90 days
Travelex is 1 of the 6 companies we trust
If you already know you want the Travel Select plan, click here for Travel Select’s secure online order form. You may us toll free at 1-888-407-3854 to order over the telephone, too.

Travel Select covers you for $50,000 Primary Emergency Medical, $500,000 Emergency Medical Evacuation & 150% Trip Interruption. 15 day money back Smile of Satisfaction Guarantee. Available to anyone who has a Primary Residence in the United States. Travelex Select is family-friendly: Children under 18 (the age when you order the insurance) are covered at no additional cost of the base plan for a maximum trip cost of $10,000, when accompanied by a covered adult. The children must be a Family Member of the primary insured. Number of children is unlimited. Please list accompanying child when enrolling. Your children get a break on their travel costs, so why pay extra for their travel insurance, too? If a child’s trip cost exceeds $10,000 or any adult’s trip cost, the child will be charged the corresponding plan cost. Optional Upgrades are not included at no additional cost.

See all of Travel Select’s State-Specific Policy Documents

A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Select State-Specific Policy Document

Here’s what the Travel Select plan covers:
Plan Name	Travel Select
Secure online order form link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form
Who can get this?	Anyone who has a Primary Residence in the United States
Purchase Guarantee	15 days
Trip Cancellation (per person)	Up to the insured amount
Trip Interruption (per person)	Up to 150% of the insured amount
Primary Emergency Medical (per person) – Travelex may advance payment to a medical facility if needed to secure Your admission (this doesn’t mean paying your bill).	$50,000
Emergency Dental Treatment for Accidental Injury (per person)	$500 Sublimit of Medical
Emergency Medical Evacuation / Repatriation (per person)	$500,000
Your deadline to waive the Pre-Existing Medical Condition exclusion	Included if plan is purchased not more than 21 days after your Initial Trip Deposit Date
Pre-Existing Condition Lookback Period	60 Days
Baggage & Personal Effects (per person)	$1000
Baggage Delay (per person)	$200 after 12 hour delay
Trip Delay (per person)	$750 ($250 per day) after a 5 hour delay
Missed Connection (per person)	$750 after a 3 hour delay
24-hr Accidental Death & Dismemberment (per person)	$25,000
24-hour Assistance Services	Yes
3rd Party Travel Supplier Financial Default	Included if plan is purchased within 21 days of Initial Trip Deposit. 14 day waiting period after effective date of insurance.
Terrorist Incident coverage in Itinerary City	Yes
Insurance Underwriter	Berkshire Hathaway Specialty Insurance Company (A++ Rated)
Optional Benefits (for extra costs that vary depending on age and residence):
Cancel For Any Reason	50% of non-refundable trip cost to $10,000 p/p maximum. Adds 40% to the price
Additional Flight Accident Insurance	Yes: Flight Accident AD&D $200,000 for $18 per person
Secure online order link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form

Here are the Travel Select prices for Florida residents

Take note of this important Travel Select Plan pricing information:

You may insure a maximum trip cost of $50,000 per person. The table below contains the rates.
It’s the same price for a trip of up to 90 days in length
Here’s the Travel Select plan’s secure online order form

Per Person Trip Cost	Ages 0-34	35-59	60-69	70-74	75-79	80-84	85+
$1-250	$24	$33	$46	$73	$93	$141	$194
$251-500	$26	$38	$54	$84	$107	$160	$221
$501-1000	$34	$51	$71	$104	$130	$191	$260
$1001-1500	$48	$72	$99	$140	$173	$249	$337
$1501-2000	$65	$97	$133	$181	$222	$313	$421
$2001-2500	$82	$124	$169	$227	$280	$389	$524
$2501-3000	$94	$142	$193	$256	$315	$436	$585
$3001-3500	$108	$164	$223	$293	$360	$495	$664
$3501-4000	$120	$183	$249	$326	$401	$548	$736
$4001-4500	$125	$189	$256	$336	$412	$564	$755
$4501-5000	$165	$254	$346	$450	$556	$751	$1,018
$5001-5500	$185	$287	$391	$508	$628	$845	$1,148
$5501-6000	$207	$321	$438	$567	$702	$941	$1,280
$6001-6500	$248	$387	$528	$683	$847	$1,130	$1,543
$6501-7000	$278	$431	$586	$751	$926	$1,234	$1,671
$7001-8000	$294	$456	$621	$794	$979	$1,303	$1,766
$8001-9000	$322	$501	$681	$870	$1,074	$1,427	$1,936
$9001-10000	$343	$533	$725	$926	$1,143	$1,517	$2,058
$10001-11000	$364	$566	$770	$982	$1,212	$1,606	$2,180
$11001-12000	$385	$599	$814	$1,037	$1,281	$1,696	$2,302
$12001-13000	$406	$631	$858	$1,093	$1,349	$1,785	$2,424
$13001-14000	$427	$664	$903	$1,148	$1,418	$1,875	$2,546
$14001-15000	$448	$697	$947	$1,204	$1,487	$1,965	$2,668
$15001-16000	$469	$729	$991	$1,260	$1,555	$2,054	$2,790
$16001-17000	$490	$762	$1,036	$1,315	$1,624	$2,144	$2,912
$17001-18000	$510	$795	$1,080	$1,371	$1,693	$2,233	$3,034
$18001-19000	$531	$827	$1,124	$1,427	$1,761	$2,323	$3,156
$19001-20000	$552	$860	$1,169	$1,482	$1,830	$2,413	$3,278
$20001-21000	$573	$893	$1,213	$1,538	$1,899	$2,502	$3,400
$21001-22000	$594	$925	$1,257	$1,593	$1,968	$2,592	$3,522
$22001-23000	$615	$958	$1,302	$1,649	$2,036	$2,681	$3,644
$23001-24000	$636	$991	$1,346	$1,705	$2,105	$2,771	$3,767
$24001-25000	$657	$1,023	$1,390	$1,760	$2,174	$2,861	$3,889
$25001-26000	$677	$1,056	$1,435	$1,816	$2,242	$2,950	$4,011
$26001-27000	$698	$1,089	$1,479	$1,871	$2,311	$3,040	$4,133
$27001-28000	$719	$1,121	$1,523	$1,927	$2,380	$3,130	$4,255
$28001-29000	$740	$1,154	$1,568	$1,983	$2,449	$3,219	$4,377
$29001-30000	$761	$1,187	$1,612	$2,038	$2,517	$3,309	$4,499
$30001-31000	$782	$1,219	$1,656	$2,094	$2,586	$3,398	$4,621
$31001-32000	$803	$1,252	$1,701	$2,150	$2,655	$3,488	$4,743
$32001-33000	$824	$1,285	$1,745	$2,205	$2,723	$3,578	$4,865
$33001-34000	$845	$1,317	$1,789	$2,261	$2,792	$3,667	$4,987
$34001-35000	$865	$1,350	$1,834	$2,316	$2,861	$3,757	$5,109
$35001-36000	$886	$1,383	$1,878	$2,372	$2,930	$3,846	$5,231
$36001-37000	$907	$1,415	$1,922	$2,428	$2,998	$3,936	$5,353
$37001-38000	$928	$1,448	$1,967	$2,483	$3,067	$4,026	$5,475
$38001-39000	$949	$1,481	$2,011	$2,539	$3,136	$4,115	$5,597
$39001-40000	$970	$1,513	$2,055	$2,594	$3,204	$4,205	$5,719
$40001-41000	$991	$1,546	$2,100	$2,650	$3,273	$4,294	$5,841
$41001-42000	$1,012	$1,579	$2,144	$2,706	$3,342	$4,384	$5,963
$42001-43000	$1,033	$1,611	$2,188	$2,761	$3,410	$4,474	$6,086
$43001-44000	$1,053	$1,644	$2,233	$2,817	$3,479	$4,563	$6,208
$44001-45000	$1,074	$1,677	$2,277	$2,873	$3,548	$4,653	$6,330
$45001-46000	$1,095	$1,709	$2,321	$2,928	$3,617	$4,743	$6,452
$46001-47000	$1,116	$1,742	$2,366	$2,984	$3,685	$4,832	$6,574
$47001-48000	$1,137	$1,775	$2,410	$3,039	$3,754	$4,922	$6,696
$48001-49000	$1,158	$1,807	$2,454	$3,095	$3,823	$5,011	$6,818
$49001-50000	$1,179	$1,840	$2,499	$3,151	$3,891	$5,101	$6,940
The Travel Select Plan’s Rates are subject to Change

Click here for the Travel Select secure online order form

This is a long page – You get lots of information and prices. The prices on this page are for New York residents. Click here if you live in FL, here if you live in WA or here if you live in a State not listed.

Travelex Travel Select Trip Cancellation & Interruption Travel Insurance

Travelex’s Travel Select has its strengths & quibbles: (Coverage and Rates may differ by state Note: the items in each row are not related to the other column.)
Why Buy It?	Quibbles
The Travel Select has $50,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation / Repatriation.	Travelex does not cover trips to, or cruises who port in the following OFAC destinations: Iran, Libya, North Korea, Syria. Cuba has special purchase requirements.
You have to get the Travel Select not more than 21 days after your initial trip deposit date to cover pre-existing medical conditions and Financial Default. You must insure 100% of your prepaid non-refundable trip costs.	Coverage for you when a Family Member not traveling with you requires that any injury or sickness is considered life-threatening, as certified by a Physician or they require Your immediate care.
The lowest trip cost you can cover is $1. You have $1,000 Return Air if a $700 Trip Cost amount or less was selected at time of purchase.
If You require admission to a Hospital, the Travel Insurance Administrator will arrange advance payment, if required. Hospital confinement must be certified as Medically Necessary by the onsite attending Physician.
Travel arrangements paid by Credit Card Reward Points that have an actual cash value are an insurable trip cost with the Select plan
You have a 15 day Free Look Period
The maximum trip cost you can insure is $50,000 per person
Travel Select has a 60 day pre-existing medical conditions Lookback Period
Trip interruption is 150% of the covered trip cost
Cancel for Work Reasons is included
Travelex’s maximum trip length is 180 days
Travelex is 1 of the 6 companies we trust
If you already know you want the Travel Select plan, click here for Travel Select’s secure online order form. You may us toll free at 1-888-407-3854 to order over the telephone, too.

See all of Travel Select’s State-Specific Policy Documents

A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Select State-Specific Policy Document

Here’s what the Travel Select plan covers:
Plan Name	Travel Select
Secure online order form link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form
Who can get this?	Anyone who has a Primary Residence in the United States
Purchase Guarantee	15 days
Trip Cancellation (per person)	Up to the insured amount
Trip Interruption (per person)	Up to 150% of the insured amount
Primary Emergency Medical (per person) – Travelex may advance payment to a medical facility if needed to secure Your admission (this doesn’t mean paying your bill).	$50,000 with optional upgrade to $100,000 total
Emergency Dental Treatment for Accidental Injury (per person)	$500 Sublimit of Medical
Emergency Medical Evacuation / Repatriation (per person)	$500,000
Your deadline to waive the Pre-Existing Medical Condition exclusion	Included if plan is purchased not more than 21 days after your Initial Trip Deposit Date
Pre-Existing Condition Lookback Period	60 Days
Baggage & Personal Effects (per person)	$1000
Baggage Delay (per person)	$200 after 12 hour delay
Trip Delay (per person)	$750 ($250 per day) after a 5 hour delay
Missed Connection (per person)	$750 after a 3 hour delay
24-hr Accidental Death & Dismemberment (per person)	$25,000
24-hour Assistance Services	Yes
3rd Party Travel Supplier Financial Default	Included if plan is purchased within 21 days of Initial Trip Deposit. 14 day waiting period after effective date of insurance.
Terrorist Incident coverage in Itinerary City	Yes
Insurance Underwriter	Berkshire Hathaway Specialty Insurance Company (A++ Rated)
Optional Benefits (for extra costs that vary depending on age and residence):
Cancel For Any Reason	75% of non-refundable trip cost to $10,000 p/p maximum. Adds 65% to the price
Medical Upgrade	Additional $50,000 Medical Expense and Additional $500,000 Emergency Evacuation
Additional Flight Accident Insurance	Yes: Flight Accident AD&D $200,000 for $18 per person
Adventure Sports Coverage	Provides coverage for many sports activities which would otherwise be excluded under this plan for $10 per person
Secure online order link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form

Here are the Travel Select prices for New York residents

Take note of this important Travel Select Plan pricing information:

You may insure a maximum trip cost of $50,000 per person. The table below contains the rates.
It’s the same price for a trip of up to 180 days in length
Here’s the Travel Select plan’s secure online order form

Per Person Trip Cost	Ages 0-34	35-59	60-69	70-74	75-79	80-84	85+
$1-250	$21	$32	$45	$76	$100	$151	$233
$251-500	$21	$35	$50	$81	$106	$161	$251
$501-1000	$27	$50	$69	$104	$132	$199	$310
$1001-1500	$37	$68	$94	$136	$170	$252	$394
$1501-2000	$49	$92	$125	$174	$216	$315	$493
$2001-2500	$61	$115	$156	$214	$265	$382	$600
$2501-3000	$73	$135	$185	$248	$307	$441	$693
$3001-3500	$79	$149	$203	$271	$336	$479	$753
$3501-4000	$87	$166	$226	$300	$371	$527	$830
$4001-4500	$103	$195	$264	$350	$432	$612	$962
$4501-5000	$114	$218	$299	$394	$490	$687	$1,096
$5001-5500	$130	$252	$345	$452	$562	$785	$1,257
$5501-6000	$146	$284	$388	$508	$631	$880	$1,411
$6001-6500	$158	$310	$425	$555	$693	$959	$1,548
$6501-7000	$173	$337	$460	$595	$739	$1,023	$1,638
$7001-8000	$189	$370	$505	$652	$808	$1,117	$1,790
$8001-9000	$206	$404	$551	$710	$880	$1,215	$1,950
$9001-10000	$224	$438	$598	$768	$953	$1,313	$2,111
$10001-11000	$258	$506	$689	$884	$1,094	$1,507	$2,422
$11001-12000	$288	$566	$770	$987	$1,221	$1,680	$2,702
$12001-13000	$318	$626	$853	$1,089	$1,348	$1,853	$2,981
$13001-14000	$350	$689	$939	$1,198	$1,482	$2,037	$3,277
$14001-15000	$382	$755	$1,027	$1,310	$1,619	$2,223	$3,578
$15001-16000	$434	$857	$1,166	$1,483	$1,834	$2,516	$4,050
$16001-17000	$462	$912	$1,241	$1,579	$1,951	$2,676	$4,308
$17001-18000	$489	$967	$1,315	$1,672	$2,067	$2,834	$4,564
$18001-19000	$517	$1,022	$1,391	$1,766	$2,182	$2,990	$4,818
$19001-20000	$544	$1,078	$1,465	$1,861	$2,298	$3,149	$5,074
$20001-21000	$572	$1,133	$1,540	$1,954	$2,415	$3,307	$5,329
$21001-22000	$600	$1,188	$1,615	$2,049	$2,530	$3,464	$5,584
$22001-23000	$628	$1,243	$1,691	$2,144	$2,648	$3,624	$5,842
$23001-24000	$656	$1,298	$1,765	$2,237	$2,764	$3,781	$6,097
$24001-25000	$683	$1,354	$1,841	$2,332	$2,880	$3,939	$6,353
$25001-26000	$711	$1,409	$1,916	$2,427	$2,997	$4,098	$6,609
$26001-27000	$738	$1,464	$1,990	$2,520	$3,112	$4,255	$6,864
$27001-28000	$767	$1,519	$2,065	$2,614	$3,229	$4,412	$7,119
$28001-29000	$794	$1,574	$2,140	$2,709	$3,345	$4,571	$7,375
$29001-30000	$822	$1,631	$2,216	$2,803	$3,463	$4,730	$7,632
$30001-31000	$850	$1,686	$2,290	$2,898	$3,579	$4,887	$7,888
$31001-32000	$877	$1,741	$2,366	$2,991	$3,695	$5,045	$8,143
$32001-33000	$905	$1,796	$2,441	$3,086	$3,811	$5,203	$8,399
$33001-34000	$933	$1,852	$2,515	$3,180	$3,928	$5,360	$8,655
$34001-35000	$961	$1,907	$2,591	$3,273	$4,044	$5,518	$8,909
$35001-36000	$989	$1,963	$2,667	$3,369	$4,161	$5,678	$9,168
$36001-37000	$1,016	$2,018	$2,741	$3,463	$4,277	$5,835	$9,423
$37001-38000	$1,044	$2,073	$2,817	$3,557	$4,393	$5,993	$9,678
$38001-39000	$1,071	$2,129	$2,892	$3,652	$4,509	$6,151	$9,935
$39001-40000	$1,100	$2,184	$2,966	$3,746	$4,625	$6,308	$10,190
$40001-41000	$1,127	$2,239	$3,042	$3,839	$4,742	$6,467	$10,445
$41001-42000	$1,155	$2,295	$3,117	$3,935	$4,860	$6,626	$10,704
$42001-43000	$1,183	$2,350	$3,192	$4,029	$4,976	$6,783	$10,958
$43001-44000	$1,210	$2,406	$3,268	$4,123	$5,092	$6,942	$11,214
$44001-45000	$1,238	$2,461	$3,342	$4,217	$5,208	$7,098	$11,469
$45001-46000	$1,266	$2,516	$3,417	$4,312	$5,324	$7,256	$11,726
$46001-47000	$1,294	$2,571	$3,493	$4,406	$5,441	$7,415	$11,981
$47001-48000	$1,322	$2,627	$3,567	$4,500	$5,557	$7,572	$12,236
$48001-49000	$1,349	$2,683	$3,643	$4,594	$5,675	$7,731	$12,495
$49001-50000	$1,377	$2,738	$3,719	$4,689	$5,791	$7,889	$12,749
The Travel Select Plan’s Rates are subject to Change

Click here for the Travel Select secure online order form

Anyone from any country can get a Cigna Global Medical Plan when traveling / living outside their home country

Cigna Global Medical Plans to Cover You
for a Trip of at Least 6 Months in Length

Cigna International Medical plans comprise of 3 distinct levels of cover: Silver, Gold and Platinum. They are specifically designed expat health insurance options to meet your needs, as well as to give you the flexibility you desire. Choose your level of cover and All amounts apply per beneficiary and per period of cover (except where otherwise noted).

Get Your Customized Cigna Global Health Plan quote

International Health Insurance is your essential cover for inpatient, day patient and accommodation costs, as well as cover for cancer, psychiatric care and much more. Our Gold and Platinum plans also give you cover for maternity care.

Cigna has worked in international health insurance for more than 30 years. Today, Cigna has 60 million customer relationships around the world. Looking after them is an international workforce of 30,000 people, plus a network of more than 1 million hospitals, physicians, clinics and health and wellness specialists.

Cigna’s full-time, clinical team is led by physicians. They have years of experience in dealing with varied and unique clinical and service situations worldwide. Their vast experience means they provide high standards of healthcare, regardless of where you are in the world.

Cigna’s Global Health Mission

Everything we do is around our mission to help improve your health, wellbeing and sense of security.

Cigna’s customer care promise

You can seek help for free any hour of the day or night
You can talk to the right person at the right time. Our customer care team will direct your call to one of our healthcare experts
You will have instant and easy access to healthcare facilities and professionals around the world.
You’ll be reimbursed, wherever possible, within five days of receiving your claim. On the rare occasion you have to pay for your treatment directly
You can receive payment in over 135 currencies

Get Your Customized Cigna Global Health Plan quote

Cigna Global International Medical Insurance Plans

Choose your level of cover from the table below. All amounts apply per beneficiary and per period of cover (except where otherwise noted). International Medical Insurance is your essential cover for inpatient, outpatient and accommodation costs, as well as cover for cancer, mental health care and much more. Our Gold and Platinum plans also give you cover for inpatient and daypatient maternity care.

Benefits	Silver	Gold	Platinum
Annual beneft – maximum per beneficiary per period of cover. This includes claims paid across all sections of International Medical Insurance.	$1,000,000 €800,000 £650,000	$2,000,000 €1,600,000 £1,300,000	Unlimited
Hospital charges for: Nursing and accomodation for inpatient and daypatient treatment and recovery room	Paid in full for semi-private room	Paid in full for a private room	Paid in full for a private room
Hospital charges for: Operating theatre. Prescribed medicines, drugs and dressings for inpatient or daypatient treatment. Treatment room fees for outpatient surgery.	Paid in Full	Paid in Full	Paid in Full
Intensive care Intensive therapy. Coronary care. High dependency unit.	Paid in Full	Paid in Full	Paid in Full
Surgeons’ and anaesthetists’ fees Where surgery is provided on an inpatient, daypatient or outpatient basis.	Paid in Full	Paid in Full	Paid in Full
Specialists’ consultation fees Paid in full for regular visits by a specialist during stays in hospital including intensive care by a specialist for as long as is required by medical necessity.	Paid in Full	Paid in Full	Paid in Full
Hospital accommodation for a parent or guardian Up to the maximum amount shown per period of cover. If a beneficiary who is under the age of 18 years old needs inpatient treatment and has to stay in hospital overnight, we will also pay for hospital accommodation for a parent or legal guardian, if: accommodation is available in the same hospital; and the cost is reasonable.	$1,000 €740 £665	$1,000 €740 £665	Paid in Full
Transplant services for organ, bone marrow and stem cell transplants We will pay for inpatient treatment directly associated with an organ transplant, for the beneficiary if: the transplant is medically necessary, and the organ to be transplanted has been donated by a member of the beneficiary’s family or comes from a varified or legitimate source.	Paid in Full	Paid in Full	Paid in Full
Kidney dialysis Where treatment is provided on an inpatient, daypatient or outpatient basis.	Paid in Full	Paid in Full	Paid in Full
Pathology, radiology and diagnostic tests (excluding Advanced Medical Imaging) Where investigations are provided on an inpatient or daypatient basis.	Paid in Full	Paid in Full	Paid in Full
Advanced Medical Imaging (MRI, CT and PET scans) Up to the maximum amount shown per period of cover. We will pay for these scans whether received on an inpatient, daypatient or an outpatient basis.	$5,000 €3,700 £3,325	$10,000 €7,400 £6,650	Paid in Full
Physiotherapy and complementary therapies Up to the maximum amount shown per period of cover. Where treatment is provided on an inpatient or daypatient basis.	$2,500 €1,850 £1,650	$5,000 €3,700 £3,325	Paid in Full
Home nursing Up to 30 days and the maximum amount shown per period of cover.	$2,500 €1,850 £1,650	$5,000 €3,700 £3,325	Paid in Full
Rehabilitation Up to 30 days and the maximum amount shown per period of cover.	$2,500 €1,850 £1,650	$5,000 €3,700 £3,325	Paid in Full
Hospice and palliative care Up to the maximum amount shown per lifetime.	$2,500 €1,850 £1,650	$5,000 €3,700 £3,325	Paid in Full
Internal prosthetic devices/surgical and medical appliances We will pay for: a prosthetic implant, device or appliance which is inserted during surgery.	Paid in Full	Paid in Full	Paid in Full
External prosthetic devices/surgical and medical appliances Up to the maximum amount shown per period of cover. We will pay for: a prosthetic device or appliance which is a necessary part of the treatment immediately following surgery for as long as is required by medical necessity. a prosthetic device or appliance which is medically necessary and is part of the recuperation process on a short-term basis. For adults, we will pay for one external prosthetic device. For children up to the age of 16, we will pay for the initial prosthetic device and up to two replacement devices.	$3,100 (for each prosthetic device) €2,400 (for each prosthetic device) £2,000 (for each prosthetic device)	$3,100 (for each prosthetic device) €2,400 (for each prosthetic device) £2,000 (for each prosthetic device)	$3,100 (for each prosthetic device) €2,400 (for each prosthetic device) £2,000 (for each prosthetic device)
Local ambulance and air ambulance services Medically necessary travel by local road ambulance or local air ambulance, such as a helicopter, when related to covered hospitalisation.	Paid in Full	Paid in Full	Paid in Full
Inpatient cash benefit Per night up to 30 nights per period of cover. We will make a cash payment to the beneficiary when they: receive treatment in hospital which is covered under this plan; stay in a hospital overnight; and have not been charged for their room, board and treatment costs.	$100 €75 £65	$100 €75 £65	$200 €150 £130
Emergency inpatient dental treatment Dental treatment in hospital after a serious accident.	Paid in Full	Paid in Full	Paid in Full
Mental health care Up to the maximum amount shown per period of cover Subject to the limits explained below we will pay for: • the treatment of mental health conditions and disorders; and • the diagnosis of addictions (including alcoholism);	$5,000 €3,700 £3,325	$10,000 €7,400 £6,650	Paid in Full
Cancer care › Following a diagnosis of cancer, we will pay for costs for the treatment of cancer if the treatment is considered by us to be active treatment and evidence-based treatment. This includes chemotherapy, radiotherapy, oncology, diagnostic tests and drugs, whether the beneﬁciary is staying in a hospital overnight or receiving treatment as a daypatient or outpatient. › We do not pay for genetic cancer screening.	Paid in Full	Paid in Full	Paid in Full
Routine maternity benefit care (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay for the following parent and baby care and treatment, on an inpatient or daypatient basis as appropriate, if the mother has been a beneﬁciary under this policy for a continuous period of at least 12 months or more: • hospital, obstetricians’ and midwives’ fees for routine childbirth; and • any fees as a result of post-natal care required by the mother immediately following routine childbirth. › We will not pay for surrogacy or any related treatment. We will not pay for maternity beneﬁt care or treatment for a beneﬁciary acting as a surrogate or anyone acting as a surrogate for a beneﬁciary.	Not covered	$7,000 €5,500 £4,500	$14,000 €11,000 £9,000
Complications from maternity (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay for inpatient or outpatient treatment relating to complications resulting from pregnancy or childbirth if the mother has been a beneﬁciary under this policy for a continuous period of at least 12 months or more. This is limited to conditions which can only arise as a direct result of pregnancy or childbirth, including miscarriage and ectopic pregnancy.	Not covered	$14,000 €11,000 £9,000	$28,000 €22,000 £18,000
Homebirths (Gold and Platinum plans only) Up to the maximum amount shown per period of cover. Available once the mother has been covered by the policy for 12 months or more. › We will pay midwives’ and specialists’ fees relating to routine home births if the mother has been a beneﬁciary under this policy for a continuous period of 12months or more. › Please note that the Complications from maternity cover explained above does not include cover for home childbirth. This means that any costs relating to complications which arise in relation to home childbirth will only be paid in accordance with the home childbirth limits, as explained in the list of beneﬁts.	Not covered	$500 €370 £335	$1,100 €850 £700
Newborn care Up to the maximum amount shown for treatment within the first 90 days following birth. Available once at least one parent has been covered by the policy for 12 months or more. › Provided the newborn is added to the policy, we will pay for: • up to 10 days routine care for the baby following birth; and • all treatment required for the baby during the ﬁrst 90 days after birth instead of any other beneﬁt; if at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth.	$25,000 €18,500 £16,500	$75,000 €55,500 £48,000	$156,000 €122,000 £100,000
Congenital conditions Up to the maximum amount shown per period of cover. › We will pay for treatment of congenital conditions on an inpatient or daypatient basis which manifest themselves before the beneficiary’s 18th birthday if: • at least one parent has been covered by the policy for a continuous period of 12 months or more prior to the newborn’s birth and the newborn is added to the policy within 30 days of the birth. • they were not evident at policy inception.	$5,000 €3,700 £3,325	$20,000 €14,800 £13,300	$39,000 €30,500 £25,000
Deductible (various) A deductible is the amount which you must pay before any claims are covered by your plan.	$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400 £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650	$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400 £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650	$0 / $375 / $750 / $1,500 / $3,000 / $7,500 / $10,000 €0 / €275 / €550 / €1,100 / €2,200 / €5,500 / €7,400 £0 / £250 / £500 / £1,000 / £2,000 / £5,000 / £6,650
Cost share after deductible and out of pocket maximum Cost share is the percentage of each claim not covered by your plan.The out of pocket maximum is the maximum amount of cost share you would have to pay in a period of cover.The cost share amount is calculated after the deductible is taken into account. Only amounts you pay related to cost share contribute to the out of pocket maximum.	First, choose your cost share percentage: 0% / 10% / 20% / 30% Next, choose your out of pocket maximum: $2,000 or $5,000 €1,480 or €3,700 £1,330 or £3,325	First, choose your cost share percentage: 0% / 10% / 20% / 30% Next, choose your out of pocket maximum: $2,000 or $5,000 €1,480 or €3,700 £1,330 or £3,325	First, choose your cost share percentage: 0% / 10% / 20% / 30% Next, choose your out of pocket maximum: $2,000 or $5,000 €1,480 or €3,700 £1,330 or £3,325

Add Optional Benefits

Cigna Global Health Options helps you create a health insurance plan that’s perfectly tailored for the needs of you and your family by offering you the reassurance of comprehensive core cover, and the flexibility of additional modules to build a plan which fits your needs.

Click these links to learn more about the Optional Benefits:

Get Your Customized Cigna Global Health Plan quote

This is a long page – You get lots of information and prices. The prices on this page are for anyone except FL, NY or WA residents. Click here if you live in FL, here if you live in NY or here if you live in WA.

Travelex Travel Select Trip Cancellation & Interruption Travel Insurance

Travelex’s Travel Select has its strengths & quibbles: (Coverage and Rates may differ by state Note: the items in each row are not related to the other column.)
Why Buy It?	Quibbles
The Travel Select has $50,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation / Repatriation.	Car Rental Collision Coverage Not Available in all States nor for the following Destinations: Ireland, Mexico, Jamaica, Costa Rica
You have to get the Travel Select not more than 21 days after your initial trip deposit date to cover pre-existing medical conditions and Financial Default. You must insure 100% of your prepaid non-refundable trip costs.	Coverage for you when a Family Member not traveling with you requires that any injury or sickness is considered life-threatening, as certified by a Physician or they require Your immediate care.
The lowest trip cost you can cover is $1. You have $1,000 Return Air if a $700 Trip Cost amount or less was selected at time of purchase.	Travelex does not cover trips to, or cruises who port in the following OFAC destinations: Iran, Libya, North Korea, Syria. Cuba has special purchase requirements.
The maximum trip cost you can insure is $50,000 per person	Not available for Puerto Rico residents
If You require admission to a Hospital, the Travel Insurance Administrator will arrange advance payment, if required. Hospital confinement must be certified as Medically Necessary by the onsite attending Physician.
Travel arrangements paid by Credit Card Reward Points that have an actual cash value are an insurable trip cost with the Select plan
You have a 15 day Free Look Period
Travel Select has a 60 day pre-existing medical conditions Lookback Period
Trip interruption is 150% of the covered trip cost
Cancel for Work Reasons is included
Travelex’s maximum trip length is 364 days
Travelex is 1 of the 6 companies we trust
If you already know you want the Travel Select plan, click here for Travel Select’s secure online order form. You may us toll free at 1-888-407-3854 to order over the telephone, too.

See all of Travel Select’s State-Specific Policy Documents

A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Select State-Specific Policy Document

Here’s what the Travel Select plan covers:
Plan Name	Travel Select
Secure online order form link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form
Who can get this?	Anyone who has a Primary Residence in the United States
Purchase Guarantee	15 days
Trip Cancellation (per person)	Up to the insured amount
Trip Interruption (per person)	Up to 150% of the insured amount
Primary Emergency Medical (per person) – Travelex may advance payment to a medical facility if needed to secure Your admission (this doesn’t mean paying your bill).	$50,000 with optional upgrade to $100,000 total
Emergency Dental Treatment for Accidental Injury (per person)	$500 Sublimit of Medical
Emergency Medical Evacuation / Repatriation (per person)	$500,000
Your deadline to waive the Pre-Existing Medical Condition exclusion	Included if plan is purchased not more than 21 days after your Initial Trip Deposit Date
Pre-Existing Condition Lookback Period	60 Days
Baggage & Personal Effects (per person)	$1000
Baggage Delay (per person)	$200 after 12 hour delay
Trip Delay (per person)	$750 ($250 per day) after a 5 hour delay
Missed Connection (per person)	$750 after a 3 hour delay
24-hr Accidental Death & Dismemberment (per person)	$25,000
24-hour Assistance Services	Yes
3rd Party Travel Supplier Financial Default	Included if plan is purchased within 21 days of Initial Trip Deposit. 14 day waiting period after effective date of insurance.
Terrorist Incident coverage in Itinerary City	Yes
Insurance Underwriter	Berkshire Hathaway Specialty Insurance Company (A++ Rated)
Optional Benefits (for extra costs that vary depending on age and residence):
Cancel For Any Reason	75% of non-refundable trip cost to $10,000 p/p maximum. Adds 65% to the price
Medical Upgrade Except NH residents	Additional $50,000 Medical Expense and Additional $500,000 Emergency Evacuation
Car Rental Collision Coverage	$35,000 ($100 Deductible) for $10 / day
Additional Flight Accident Insurance	Yes: Flight Accident AD&D $200,000 for $20 per person (not available to NH residents)
Adventure Sports Coverage	Provides coverage for many sports activities which would otherwise be excluded under this plan for $11 per person
Secure online order link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form

Here are the Travel Select prices for all other States

Take note of this important Travel Select Plan pricing information:

You may insure a maximum trip cost of $50,000 per person. The table below contains the rates.
It’s the same price for a trip of up to 364 days in length
Here’s the Travel Select plan’s secure online order form

Per Person Trip Cost	Ages 0-34	35-59	60-69	70-74	75-79	80-84	85+
$1-250	$34	$46	$65	$108	$141	$210	$300
$251-500	$36	$52	$74	$119	$155	$230	$326
$501-1000	$44	$66	$92	$139	$177	$259	$360
$1001-1500	$61	$91	$126	$182	$229	$328	$452
$1501-2000	$81	$121	$166	$231	$287	$405	$553
$2001-2500	$102	$153	$210	$286	$356	$496	$676
$2501-3000	$116	$174	$238	$321	$398	$552	$750
$3001-3500	$133	$201	$274	$366	$453	$625	$846
$3501-4000	$148	$224	$305	$406	$503	$690	$935
$4001-4500	$153	$232	$315	$418	$518	$709	$960
$4501-5000	$201	$309	$422	$556	$691	$935	$1,276
$5001-5500	$226	$349	$476	$626	$778	$1,048	$1,434
$5501-6000	$252	$390	$533	$697	$867	$1,164	$1,593
$6001-6500	$301	$468	$641	$835	$1,040	$1,389	$1,907
$6501-7000	$337	$521	$710	$916	$1,135	$1,514	$2,061
$7001-8000	$357	$551	$751	$968	$1,198	$1,597	$2,174
$8001-9000	$390	$604	$823	$1,059	$1,312	$1,745	$2,377
$9001-10000	$415	$643	$877	$1,126	$1,395	$1,853	$2,524
$10001-11000	$440	$683	$930	$1,193	$1,477	$1,960	$2,671
$11001-12000	$465	$722	$983	$1,260	$1,560	$2,068	$2,818
$12001-13000	$490	$761	$1,036	$1,326	$1,642	$2,176	$2,965
$13001-14000	$515	$800	$1,089	$1,393	$1,725	$2,284	$3,112
$14001-15000	$540	$839	$1,142	$1,460	$1,808	$2,392	$3,259
$15001-16000	$565	$878	$1,195	$1,527	$1,890	$2,499	$3,406
$16001-17000	$590	$917	$1,249	$1,594	$1,973	$2,607	$3,553
$17001-18000	$615	$957	$1,302	$1,660	$2,055	$2,715	$3,700
$18001-19000	$640	$996	$1,355	$1,727	$2,138	$2,823	$3,847
$19001-20000	$665	$1,035	$1,408	$1,794	$2,221	$2,931	$3,994
$20001-21000	$690	$1,074	$1,461	$1,861	$2,303	$3,038	$4,141
$21001-22000	$716	$1,113	$1,514	$1,928	$2,386	$3,146	$4,288
$22001-23000	$741	$1,152	$1,567	$1,994	$2,468	$3,254	$4,435
$23001-24000	$766	$1,191	$1,620	$2,061	$2,551	$3,362	$4,582
$24001-25000	$791	$1,231	$1,674	$2,128	$2,634	$3,470	$4,729
$25001-26000	$816	$1,270	$1,727	$2,195	$2,716	$3,577	$4,876
$26001-27000	$841	$1,309	$1,780	$2,262	$2,799	$3,685	$5,023
$27001-28000	$866	$1,348	$1,833	$2,328	$2,882	$3,793	$5,170
$28001-29000	$891	$1,387	$1,886	$2,395	$2,964	$3,901	$5,317
$29001-30000	$916	$1,426	$1,939	$2,462	$3,047	$4,009	$5,464
$30001-31000	$941	$1,465	$1,992	$2,529	$3,129	$4,116	$5,611
$31001-32000	$966	$1,505	$2,046	$2,596	$3,212	$4,224	$5,758
$32001-33000	$991	$1,544	$2,099	$2,662	$3,295	$4,332	$5,905
$33001-34000	$1,016	$1,583	$2,152	$2,729	$3,377	$4,440	$6,052
$34001-35000	$1,041	$1,622	$2,205	$2,796	$3,460	$4,548	$6,199
$35001-36000	$1,066	$1,661	$2,258	$2,863	$3,542	$4,655	$6,346
$36001-37000	$1,091	$1,700	$2,311	$2,930	$3,625	$4,763	$6,493
$37001-38000	$1,116	$1,739	$2,364	$2,996	$3,708	$4,871	$6,640
$38001-39000	$1,141	$1,779	$2,418	$3,063	$3,790	$4,979	$6,787
$39001-40000	$1,166	$1,818	$2,471	$3,130	$3,873	$5,087	$6,934
$40001-41000	$1,191	$1,857	$2,524	$3,197	$3,955	$5,194	$7,081
$41001-42000	$1,216	$1,896	$2,577	$3,264	$4,038	$5,302	$7,228
$42001-43000	$1,241	$1,935	$2,630	$3,330	$4,121	$5,410	$7,375
$43001-44000	$1,266	$1,974	$2,683	$3,397	$4,203	$5,518	$7,522
$44001-45000	$1,291	$2,013	$2,736	$3,464	$4,286	$5,626	$7,669
$45001-46000	$1,316	$2,052	$2,789	$3,531	$4,369	$5,733	$7,816
$46001-47000	$1,341	$2,092	$2,843	$3,598	$4,451	$5,841	$7,963
$47001-48000	$1,367	$2,131	$2,896	$3,664	$4,534	$5,949	$8,110
$48001-49000	$1,392	$2,170	$2,949	$3,731	$4,616	$6,057	$8,257
$49001-50000	$1,417	$2,209	$3,002	$3,798	$4,699	$6,165	$8,404
The Travel Select Plan’s Rates are subject to Change

Click here for the Travel Select secure online order form

This is a long page – You get lots of information and prices

Travelex Travel Select Trip Cancellation & Interruption Travel Insurance

Here’s the Travel Max plan and Here’s the Travel Basic plan

Travelex’s Travel Select has its strengths & quibbles:
Why Buy It?	Quibbles
The Travel Select has $50,000 Primary Emergency Medical & $500,000 Emergency Medical Evacuation / Repatriation.	Travelex’s medical coverage ends after you return home
You have to get the Travel Select within 21 days of your initial trip deposit date to cover pre-existing medical conditions and terrorism and get the Active Family, Adventure Plus & Professional Paks.	Travelex does not cover trips to, or cruises who port in the following OFAC destinations: Cuba, Iran, Libya, North Korea, Syria.
Children under age 21 are covered at no additional cost for up to a $10,000 maximum trip cost when accompanied by a covered adult family member; limit of 1 child per 1 adult.	If a child’s trip cost exceeds $10,000 or any adult’s trip cost, the child’s share of the premium will be equal to what a 21 year old will pay.
The Travelex Select plan covers stable pre-existing medical conditions of family members who are not scheduled or booked to travel with you.	The waiver of the pre-existing medical conditions exclusion does not override this General Exclusion: “a diagnosed sickness from which no recovery is expected and which only palliative treatment is provided and which carries a prognosis of death within 12 months of your Effective Date; Sickness, Injury or Death if insurance is purchased after entering a hospice facility or receiving hospice treatment.”
The lowest trip cost you can cover is $0. This means you won’t have any trip cancellation, nor pre-existing conditions coverage. You have $1,000 Return Air only.	A $0 trip cost changes your policy’s effective date potentially causing you a problem. Read this: Don’t Insure A $0 Trip Cost To Save Money
Travel Select has a 60 day pre-existing medical conditions Lookback Period	The Missed Connection coverage only covers you for Cruise departures ($1,000 after a 3 hour delay)
Advance payment will be made to a Hospital, if needed to secure Your admission to a Hospital because of a covered Sickness or Injury which first occurs during the course of the Covered Trip.
The maximum trip cost you can insure is $25,000 per person
You have a 10 day Free Look Period
Trip interruption is 150% of the covered trip cost.
Travelex’s maximum trip length is 180 days.
If your travel supplier cancels the covered trip, you are covered up to $200 for the reissue fee charged by the airline for your tickets. You must have covered the entire trip cost of the covered trip including the airfare.
Travelex is 1 of the 6 companies we trust
If you already know you want the Travel Select plan, click here for Travel Select’s secure online order form. You call us toll free at 1-888-407-3854 to order over the telephone, too.

Travel Select covers you for $50,000 Primary Emergency Medical (you can get $75,000 total as an optional upgrade), $500,000 Emergency Medical Evacuation & 150% Trip Interruption. 10 day money back Smile of Satisfaction Guarantee. Available to all US residents or citizens including APO addresses.

Travel Select’s Certificate of Insurance:

Travel Select’s Description of Coverage

A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired Travel Select Certificate of Insurance.You can view or download Travelex’s Certificates with the free Adobe Acrobat Reader).

Here’s What the Travel Select plan covers:
Plan Name	Travel Select
Secure online order form link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form
Who can get this?	US Residents and US Citizens Only
Money Back Guarantee	10 days
Trip Cancellation (per person)	Up to the insured amount
Trip Interruption (per person)	Up to 150% of the insured amount
Primary Emergency Medical (per person) – Travelex can advance payment to a medical facility if needed to secure Your admission	$50,000
Emergency Medical Evacuation / Repatriation (per person)	$500,000
Emergency Dental Treatment for Accidental Injury (per person)	$750
Your deadline to waive the Pre-Existing Medical Condition exclusion	Your Initial Trip Deposit Date plus 21 days
Pre-Existing Condition Lookback Period	60 Days
Travel Baggage (per person)	$1000
Travel Baggage Delay (per person)	$250 after 12 hour delay
Trip Delay (per person)	$750 after a 5 hour delay
Missed Cruise Connection (per person)	$750 after a 3 hour delay for Cruise departure
24-hr Accidental Death & Dismemberment (per person)	$25,000
Rental Car Collision / Loss Damage Waiver	Yes, in the $59 Transportation Pak upgrade: Collision Damage Waiver $35,000
24-hour Assistance Services	Yes
Additional Flight Accident Insurance	Yes, in the $59 Transportation Pak upgrade: Flight Accident AD&D $200,000 per person
Travel Supplier Financial Default	Bankruptcy and/or Default of Your Travel Supplier which occurs more than fourteen (14) days following Your Effective Date is covered
Terrorist Incident coverage in Itinerary City	Yes, if purchased by your Initial Trip Deposit Date plus 21 days (10 days for WA State residents)
Here’s some more information about the Optional Upgrade Paks: You have 21 days after your initial trip deposit date to get the Active Family and Professional Paks. They must be added at the time of original plan purchase – you cannot add it later See the Description of Coverage for all the Optional Upgrade Paks’ specific policy language	• $49 Active Family: Protects against weather related cancellations or delays in sporting competitions while waiving base plan exclusions on professional athletics activities and motor competitions. Includes reimbursement of tuition fees for the traveling student. The Pak includes coverage for cancellation of child care arrangements, additional kennel coverage costs & movie rental reimbursement for overnight delays along with internet usage fees. • $49 Adventurer Plus Pak: Provides a rental allowance in case of lost, stolen or damaged sporting equipment. Waives base plan exclusions such as skydiving, mountain climbing, bungee cord jumping, parachuting, hang gliding and more. Includes an additional $25,000 in medical coverage and helpful services such as Identity Theft and Nurse Assist. • $99 Professional Pak: Covers for trip cancellation and interruption for business reasons and protection on some lost, stolen or damaged professional equipment. Reimburses for airline club usage and internet usage fees if a trip is delayed. • $59 Transportation Pak: Provides two great benefits – $200,000 flight accident coverage per person and $35,000 rental car damage coverage per plan.
Insurance Underwriter	Transamerica Casualty Insurance Company (A- Rated)
Secure online order link (you don’t pay extra fees using us)	Go to the Travel Select secure online order form

Here are the Travel Select prices:

Take note of this important Travel Select Plan pricing information:

$0 Trip Cost band does not include Trip Cancellation. You have $1,000 Trip Interruption coverage
The maximum trip cost you can insure with the Travel Select plan is $25,000 per person
The table below contains rates for Trip costs up to $10,000 per person.
Travelex (not from us) has a $9 non-refundable policy fee (not per person) you need to add to the prices below
It’s the same price for a trip of up to 30 days in length
For trips from 31 – 180 days, add $8 per day per person
Here’s the Travel Select plan’s secure online order form

The Travel Select Plan’s Prices:
Per Person Trip Cost	Ages 0 – 34	35 – 59	60 – 69	70 – 79	80+
$0	$28	38	55	69	126
$1-500	$34	47	65	78	148
$501-1,000	$52	65	85	125	217
$1,001-1,500	$67	87	116	173	274
$1,501-2,000	$90	113	157	231	351
$2,001-2,500	$113	139	194	284	430
$2,501-3,000	$136	166	232	339	508
$3,001-3,500	$158	182	269	390	590
$3,501-4,000	$179	196	307	450	696
$4,001-4,500	$199	219	373	505	774
$4,501-5,000	$224	245	422	562	874
$5,001-5,500	$258	288	472	652	1,021
$5,501-6,000	$281	327	504	698	1,180
$6,001-6,500	$316	349	554	773	1,378
$6,501-7,000	$340	393	595	826	1,746
$7,001-8,000	$381	433	700	979	2,041
$8,001-9,000	$433	474	777	1,097	2,075
$9,001-10,000	$457	515	807	1,221	2,118
$10,001-11,000	$485	561	855	1,249	2,174
$11,001-12,000	$514	606	907	1,337	2,305
$12,001-13,000	$545	648	961	1,430	2,443
$13,001-14,000	$577	687	1,009	1,530	2,565
$14,001-15,000	$612	728	1,060	1,630	2,693
$15,001-16,000	$649	772	1,113	1,728	2,828
$16,001-17,000	$688	819	1,168	1,831	2,969
$17,001-18,000	$729	868	1,227	1,941	3,118
$18,001-19,000	$773	920	1,288	2,058	3,274
$19,001-20,000	$819	975	1,352	2,181	3,437
$20,001-21,000	$868	1,033	1,420	2,312	3,609
$21,001-22,000	$920	1,095	1,491	2,451	3,790
$22,001-23,000	$975	1,161	1,566	2,573	3,979
$23,001-24,000	$1,034	1,231	1,644	2,702	4,178
$24,001-25,000	$1,096	1,305	1,726	2,837	4,387
The Travel Select Plan’s Rates are subject to Change

Click here for the Travel Select secure online order form

Expatriate Travel Medical & Health Insurance Plans

• US Citizens living outside the USA cannot get an Atlas Plan to cover them when they are returning to the USA for a visit.

• If you are a US Citizen living outside the USA, click here to see the details on the Liaison Majestic Travel Health Insurance plan that will cover you when you are return to the USA for a visit.

HCCMIS Atlas Travel Health & Medical Insurance Plans

Are you calling your parents to visit you? If so, you’ll want to get them the Atlas America plan.

Click here to get an Atlas plan quote

The HCCMIS Atlas plan includes

Acute Onset of Pre-existing Condition Coverage for persons under age 70 – See the details
Natural Disasters coverage
Expanded coverage for Incidental Trips Home – See the details
You can add the Optional Hazardous Sports Rider for an additional 20% premium. This Rider adds coverage for the Amateur sports listed in exclusion #18 – See the details
Includes coverage for Acts of Terrorism, Political Evacuation, and Complications of Pregnancy
You can extend and/or renew your coverage for up to 36 months
State of the art travel and emergency medical assistance services

Acute Onset of a Pre-Existing Condition: Acute Onset of a Pre-Existing Condition: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

What is a Pre-Existing Condition? – A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Eligibility

Atlas America – Only non-US Citizens who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

Atlas International – Only US Citizens and non-US citizens whose travel does not include the US, except US citizens whose travel includes an Incidental Trip to the US, and who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

The Atlas Travel Series also has an annual plan called the Atlas Professional if you need supplemental medical coverage while working in another country

Home Country Coverage

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Underwriters will pay Eligible Medical Expenses, as defined herein, which are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses.

End of Trip Home Country Coverage – In the event a Member is covered hereunder and is outside his or her Home Country continuously for six (6) months or more, the Member may purchase an additional 30 days of End of Trip Home Country Coverage. Home Country Coverage applies only to Eligible Medical Expenses.

Incidental Home Country Coverage – For each three (3) months during which a Member is covered hereunder, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

Atlas’ Schedule Of Benefits And Limits

A brief description is below. For complete coverage, terms, conditions and exclusions, click here to to view or download the HCCMIS Atlas Travel Series Description of Coverage.

Click here for Atlas’ secure online quote & order form

Deductibles	$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period.
Coinsurance – Claims incurred in US or Canada	For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Coinsurance – Claims incurred outside US or Canada	For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
Hospital Room and Board	Average Semi-private room rate, including nursing services.
Local Ambulance	Usual, Reasonable and Customary charges, when covered Illness or Injury results in hospitalization as Inpatient.
Intensive Care Unit	Usual, Reasonable and Customary charges.
Hospital Indemnity	$100 per day of Inpatient hospitalization (not subject to Deductible or Coinsurance)
Physical Therapy	$50 Maximum per visit
All Other Eligible Medical Expenses	Usual, Reasonable and Customary charges
Acute Onset of Pre-existing Condition	$15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70
Emergency Dental (Acute Onset of Pain)	$100 limit per Certificate Period
Emergency Medical Evacuation	$500,000 Lifetime Maximum (except as provided under Acute Onset of Pre-existing Condition)
Return of Minor Children	$5,000 per Certificate Period
Repatriation of Remains	Overall Maximum Limit
Emergency Reunion	$15,000 limit per Certificate Period (subject to a maximum of 15 days)
Natural Disaster	Maximum $100 a day for 5 days (not subject to Deductible or Coinsurance)
Trip Interruption	$5,000 limit per Certificate Period
Lost Checked Luggage	$250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Political Evacuation	$10,000 Lifetime Maximum
Terrorism	$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only.
Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident)	Members age 18 and older Death – $25,000 Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500 Benefits reduce 50% at age 70 and an additional 50% at age 75.Members under age 18 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 $250,000 Maximum Benefit any one family
Common Carrier Accidental Death	Members age 18 and older $50,000 per Member Members under age 18 $25,000 per Member
Hospital Pre-certification Penalty	50% of Eligible Medical Expenses.
Optional Hazardous Sports Rider	Overall Maximum Limit
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death)	Age 80 or older: $10,000. Age 70 to 79: $50,000. All others: $50,000, $100,000, $250,000, $500,000 or $1,000,000

Click here for Atlas’ secure online quote & order form

When Does Coverage Become Effective and When Does it End?

Your coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am* on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am on the date you request on your Application. Your coverage will end on the earliest of: 12:01am on the last day of the period for which you have paid a premium, 12:01am on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).

*Times expressed above are based on US Eastern Standard Time.

Click here for Atlas’ secure online quote & order form


	Pre-Trip Health and Safety Advisories
	Call us for current passport, visa, inoculation and vaccine requirements as well as for up-to-date travel safety advisories.

Does the Atlas Series Provide any Home Country Coverage?

Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage.

Incidental Home Country Coverage – The Atlas Series will provide you 15 days of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers Medical expenses only.Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

Benefit Period Medical Coverage – A Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days. If you started a Benefit Period while this insurance was in effect, you are covered only for Medical expenses for the duration of the Benefit Period, regardless of whether you are at home or abroad.

End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series and outside of your Home Country continuously (except for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage.

Home Country Defined – If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.

Which Plan Should I Purchase?

US citizens, as well as non-US citizens traveling outside of the US, should purchase Atlas International, which provides coverage outside of the US. Non-US citizens traveling to the United States should purchase Atlas America.

What is Covered?

All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits):

Medical:

Inpatient and Outpatient charges made by a Hospital
Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case
Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home
Charges for diagnostic testing using radiology, ultrasonographic or laboratory services
Charges for oxygen and other gases and anesthetics and their administration
Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs
Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital
Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization

Let us help you when you need help most:

Medical Referrals

Assistance with Prescription Drug Replacement
Dispatch of a Doctor or Specialist
Up-to-the-minute travel medical advisories

Complications of Pregnancy:

Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity.

Hospital Indemnity:

If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Series will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance.

Acute Onset of a Pre-Existing Condition:

If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Emergency Dental:

The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident that is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental Treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100.

Political Evacuation:

If the United States government issues a travel warning that becomes effective after your arrival in your destination country, the plan will provide for transportation to the nearest place of safety or for return to your Home Country. You must contact HCCMIS within 10 days of the date the travel warning is issued and the evacuation must be approved in advance and coordinated by HCCMIS.

Emergency Medical Evacuation:

If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS, the Atlas Series will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

Click here for Atlas’ secure online quote & order form


	Emergency Message Relay
	We will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

Emergency Reunion:

In the event of a covered Emergency Medical Evacuation, the Atlas Series will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of your Relatives (parent, spouse, sibling or child age 18 or older) for travel to the area where you are hospitalized following Emergency Medical Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days.

Return of Minor Children:

If you are the only person age 18 or older, traveling with one or more children under the age of 18, who are also covered by the Atlas Series, and you are Hospitalized for treatment of a covered Illness or Injury resulting in the children being left unattended for a period of time expected to exceed 36 hours, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child.


	Emergency Travel Arrangements
	When family members need to join you in an emergency, we can make the arrangements for you

Terrorism

The Atlas Series provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met:

The Injury or Illness does not result from chemical, nuclear or biological weapons or events.
You have no direct or indirect involvement in the Act of Terrorism.
The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival.
You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government.

An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact your representative for additional information about this exciting new product offered by HCCMIS

Accidental Death and Dismemberment:
In the event of your Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series will provide the following benefit:

Accidental Death – Principal Sum to the Beneficiary designated on your Application
Loss of 2 eyes or 2 or more limbs – Principal Sum to you
Loss of 1 eye or 1 limb – One-half of the Principal Sum to you

Age	Principal Sum
14 days to 17 years	$5,000
18 to 69	$25,000
70 to 74	$12,500
75+	$6,250

The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism.

Common Carrier Accidental Death:

In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Series will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18), subject to a maximum of $250,000 per family, to the Beneficiary designated on your Application. This benefit is not available in respect to losses resulting from an Act of Terrorism.

Repatriation of Remains:

In the event of a covered Injury or Illness resulting in your death, the Atlas Series will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation.

Natural Disaster:

In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Series will provide you up to $100 a day for 5 days if you are Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.

Click here for Atlas’ secure online quote & order form


	Emergency Cash Transfers
	We will assist you in arranging and obtaining cash transfers.

	Lost Passport or Travel Documents Assistance
	Losing important documents is extremely troublesome. We can help you notify the appropriate authorities for assistance with replacement of documents.

Trip Interruption:

If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas Series will provide the following benefit: The cost of an economy, one way air and/or ground transportation ticket for your travel to the area of your Principal Residence; or
If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continuing treatment, recuperation and recovery, the Atlas Series will provide the following benefit: The cost of an economy, one-way air and/or ground transportation ticket for your travel from the area where you were hospitalized following the Emergency Medical Evacuation to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.


	LiveTravel Services^®
	We will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

Lost Checked Luggage:

In the event your checked luggage is permanently lost by the transportation provider, the Atlas Series will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and submit copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.

Click here for Atlas’ secure online quote & order form


	BagTrak^®
	We are one of the industry leaders in tracking lost, checked baggage. We will help track lost checked baggage and deliver it to you.


	Travel Assistance

	Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas plan is in effect. In addition to the services already described, the following services are included:
	Embassy and consulate referrals Legal and accounting referrals Bail bond assistance Translation and interpretation assistance
	Atlas Travel Assistance Services are not insurance benefits.Any Assistance Service provided is not a guarantee of any other benefit under the Atlas Series.

Schedule of Benefits and Limits

Deductibles:	$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period
Coinsurance – Claims incurred in US or Canada:	For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider
Coinsurance – Claims incurred outside US or Canada:	For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit
Hospital Room and Board:	Average Semi-private room rate, including nursing services
Local Ambulance:	Usual, Reasonable and Customary charges
Hospital Indemnity:	$100 per day (not subject to Deductible or Coinsurance)
Intensive Care Unit:	Usual, Reasonable and Customary charges
Outpatient Treatment:	Usual, Reasonable and Customary charges
Acute Onset of Pre-existing Condition:	$15,000 limit per Certificate Period for Eligible Medical Expenses $25,000 limit per Certificate Period for Emergency Medical Evacuation (Only available to Members under age 70)
Physical Therapy:	$50 Maximum per visit
All Other Eligible Medical Expenses:	Usual, Reasonable and Customary charges
Emergency Dental:	Accident – Overall Maximum Limit Acute Onset of Pain – $100 limit per Certificate Period
Emergency Medical Evacuation:	$500,000 Maximum Lifetime Limit
Emergency Reunion:	$15,000 limit per Certificate Period
Return of Minor Children:	$5,000 limit per Certificate Period
Political Evacuation:	$10,000 Maximum Lifetime Limit
Terrorism:	$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only
Accidental Death and Dismemberment:	Principal Sum $25,000 Adults age 18-69 $12,500 Adults age 70-74 $6,250 Adults age 75 and above $5,000 Children age 17 and below
Common Carrier Accidental Death:	$50,000 per adult, $25,000 children under age 18; $250,000 Maximum per family
Repatriation of Remains:	Overall Maximum Limit
Natural Disaster Benefit:	Maximum $100 a day for 5 days
Trip Interruption:	$5,000 limit per Certificate Period
Lost Checked Luggage:	$250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Hospital Pre-certification Penalty:	50% of Eligible Medical Expenses
Optional Hazardous Sports Rider:	Overall Maximum Limit
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death):	Age 14 days to 69 – $50,000, $100,000, $250,000, $500,000 or $1,000,000; Age 70 to 79 – $50,000; Age 80 or older – $10,000

Click here for Atlas’ secure online quote & order form

What Is Excluded?

The following charges, treatments, surgeries, medications, conditions and circumstances are excluded:

Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are under age 70, you are covered for Medical and Emergency Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence
Treatment for or related to any congenital condition
Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof
False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy
Mental Health Disorders or Substance Abuse
Charges which are not Incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period
Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness
Not Medically Necessary and administered or ordered by a Physician
Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans
Charges which exceed Usual, Reasonable and Customary
Investigational, Experimental or for Research Purposes
While confined primarily to receive Custodial Care, Educational or Rehabilitative care
Venereal Disease, and treatment of individuals who are HIV+ or have AIDS or ARC
Treatment by a Chiropractor
Diseases of the skin
Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental Treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain
Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures
Injury resulting from participation in the following activities: Amateur Athletics, Contact Sports, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded except the following which are excluded: Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; and spelunking; and subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury
Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse
Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams
The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits
Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder
Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion, Natural Disaster and Trip Interruption sections of this insurance
Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s)
Organ or tissue transplants or related services
Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof

This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact HCC Medical Insurance Services

Click here for Atlas’ secure online quote & order form

What if I Plan to Participate in a Sport or Athletic Activity that is Excluded?

The Optional Hazardous Sports Rider is available for the adventurous traveler for an additional 20% premium.

This Optional Hazardous Sports Rider adds coverage for the Amateur sports listed in exclusion #18. The maximum coverage under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during the course of the activity.

What are the Pre-certification Requirements?

Hospitalizations, Surgeries, Emergency and Political Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-certified. Simply call, or have your Physician call, HCCMIS with the information relative to your claim. You may also pre-certify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

How is Pre-certification handled in the case of an emergency or natural disaster?

You, a family member, your Physician or anyone else has up to 48 hours after the event, or as soon as possible, if there’s no ability to contact HCCMIS (ie: natural disaster) about what happened.

Who is the Plan Administrator?

HCC Medical Insurance Services (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas.HCC has assets of more than $8.6 billion, shareholders? equity in excess of $2.7 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

Who is the Insurer?

The Atlas Series is insured by Syndicate 4141 at Lloyd’s, London. Lloyd’s is the largest and oldest insurance market in the world and is rated ‘A’ (Excellent) by A.M. Best Company and ‘A+’ (Strong) by Standard & Poor’s. Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.

How do I Extend or Renew my Coverage?

After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 12 months from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset.

If you are covered under Atlas International, after 12 months of continuous coverage you may renew your coverage for up to 12 additional months.If 24 months of continuous coverage is maintained, a final period of up to 12 months may be purchased.Deductible and Coinsurance must be re-satisfied as of each renewal date.

After 36 months of continuous coverage under Atlas International, or 12 months of continuous coverage under Atlas America, or any break in coverage, a new plan must be purchased.A new Application is required and you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions.

Extensions or renewals must be made online with payment by credit card.For additional information on extending or renewing your plan, please visit Client Zone.

Can Coverage Be Cancelled?

If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to HCCMIS in order to receive a refund of premium.To be eligible for a full refund, the request for cancellation must be received prior to your effective date.Cancellation requests received after the effective date will be subject to the following conditions:

a $25 cancellation fee will apply; and
only the unused portion of the plan cost will be refunded; and
only members who have no claims are eligible for premium refund.

HCCMIS’s Client Zone and World Service Center

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, HCCMIS is ready to respond.Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to:

Change personal information
Renew coverage and reprint ID cards
Obtain details about claim filing, including downloading necessary forms
Pre-certify for certain medical procedures and hospitalizations
Locate providers within the PPO Network
Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS)
Access health and wellness information
View and download brochures, obtain policy information, or get quotes for other products offered by HCCMIS

You may access Client Zone by logging in at https://zone.hccmis.com/clientzone/.

Click here for Atlas’ secure online quote & order form

Questions? Call Deanna, Becky, Tara or Steve toll free at 1-888-407-3854.

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	Since Jan. 2005
Easily Contact ExpatriateTripInsurance.com via email: steve [at] tripinsurancestore.com

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