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Outreach Travel Medical Benefits
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Maximum Limits
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$50,000, $100,000, $500,000, $1,000,000, $2,000,000
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Deductibles
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$0, $100, $250, $500, $1,000 or $2,500
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Coinsurance Outside US and Canada
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No coinsurance
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Coinsurance Inside U.S. and Canada
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In PPO- Plan covers 90% of eligible medical expenses up to $5k then 100 %
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Outside PPO -Plan covers 80% up to $5k of eligible medical expenses then 100% to limit
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Benefit Period
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Six Months
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Hospital Room & Board
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Up to the Maximum Limit average semi-private room rate
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Intensive Care
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Up to the Maximum Limit
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Medical Expenses
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Up to the Maximum Limit
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Out-patient Medical
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Up to the Maximum Limit
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Local Ambulance
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Up to the Maximum Limit
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Prescription Drugs
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Up to the Maximum Limit
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Emergency Room Accident
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Up to the Maximum Limit
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Emergency Room Illness with In-Patient Admissions
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Up to the Maximum Limit
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Emergency Room Illness without In-Patient Admissions
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Up to the Maximum Limit with an additional $250 deductible
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Dental
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Injury due to an accident
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Sudden dental emergency
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Hospital Daily Indemnity
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Up to $100/night up to 10 days
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Emergency Medical Evacuation
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$500,000 lifetime maximum (independent of the Maximum Limit)
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Emergency Reunion
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$50,000 lifetime maximum
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Return of Mortal Remains Cremation/Burial
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$50,000 for Return of Mortal Remains or $5,000 for Cremation/ Burial
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Return of Minor Children
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Up to $50,000
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Political Evacuation
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Up to $10,000
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Natural Disaster
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$100 per day for five days
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Identity Theft Assistance
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Up to $500 per Period of Coverage
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Terrorism Coverage
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Up to $50,000 lifetime maximum
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Sports & Activities Coverage
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Up to the Maximum Limit for basic sports- see certificate for further information.
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Sudden and Unexpected Recurrence of a Pre-existing Condition- Medical (for U.S. citizens only)
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For those up to age 65 with a primary health plan, Outreach International will pay the Usual, Reasonable and Customary charges of a sudden and unexpected recurrence of a Pre-existing Condition (defined on the Exclusions page) up to the plan maximum. For those without a primary health plan, Outreach International will pay up to a $20,000 lifetime maximum. For those ages 65 and older, with or without a primary health plan, Outreach International will pay up to a $2,500 lifetime maximum. The primary health plan must have existed prior to the effective date and during coverage of the Outreach plan, and the Pre-existing Condition must be covered under the primary health plan
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Sudden and Unexpected Recurrence of a Pre-existing Condition- Medical (for non-U.S. citizens only)
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For those under age 65, Outreach America will pay up to a $50,000 lifetime maximum for eligible medical expenses. For those ages 65 and older, Outreach America will pay up to $2,500 lifetime maximum.
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Sudden and Unexpected Recurrence of a Pre-existing Condition- Emergency Medical Evacuation
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In addition, up to $25,000 will be paid to U.S. and non-U.S. citizens for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition.
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Incidental Home Country Coverage
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Up to a cumulative two weeks
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End of Trip Home Country Coverage
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For every five months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of two months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form, and calculate your premium to include the additional month(s).
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Trip Interruption
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Up to $5,000
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Common Carrier Accidental Death
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$50,000 to Beneficiary; maximum of $250,000 per family
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Accidental Death & Dismemberment
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$25,000 principal sum
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Lost Luggage
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Up to $50 per item of personal property; maximum of $250
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