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The person being insured must be in this age range at the time the policy is purchased.

Any pre-existing condition(s) must be stable opens in a new window for a specific period of time before the effective date of the policy in order to be covered in the event of a claim.

The person being insured can have coverage for a single trip up to the number of days listed above.

Emergency Medical insurance pays for expenses related to a covered emergency medical condition that arises while the insured person is outside his or her country of residence. Benefits may include coverage for a hospital stay, transportation by a local ground ambulance, X-rays, prescription drugs and more.

If the insured person has a medical emergency during the travel period, one toll-free phone call puts him or her in touch with a multilingual coordinator who can help—24 hours a day, seven days a week. Our multilingual professionals will coordinate on the insured person's behalf with a local doctor or nurse to arrange the care needed.

The deductible is the dollar amount the insured person would be responsible for paying for each claim, before any remaining eligible expenses are reimbursed under this insurance.

This benefit covers the cost of a bedside companion's return economy air fare on a commercial flight via the most cost-effective route. A bedside companion is defined as a person of choice who is required at the insured person's bedside while he or she is hospitalized during the trip.

This benefit reimburses the insured person's bedside companion up to the amount stated above for commercial accommodations and meals, essential telephone calls and taxi fares while he or she is required at the insured person's hospital bedside.

This benefit reimburses the insured person up to the amount stated above for costs associated with returning to his or her departure point if emergency medical care is medically recommended due to his or her medical condition.

This benefit reimburses the insured person for expenses incurred as a result of a covered risk. Expenses can include commercial accommodations and meals, essential telephone calls, and taxi fares, up to the specified maximum, for the insured person or his or her travelling companion.

This benefit covers emergency dental expenses up to the amount stated above incurred during the insured person's trip if he or she needs emergency dental treatment to repair or replace his or her natural or permanently attached artificial teeth because of an accidental blow to the face.

This benefit covers dental expenses up to the amount as stated above when required as emergency treatment and ordered by or received from a licensed dentist during the insured person's trip, and the complete cost of prescription drugs.

If, during the insured person's trip, he or she dies from a covered medical condition, this insurance will help pay for his or her remains to be transported to his or her departure point. Alternatively, this insurance may also be used to cover the costs to bury the insured person's remains at the location where death occurred, or for the cremation of remains.

This is the principal sum payable if the insured person has an accident during his or her travel period and has accidental bodily injuries that result in his or her death, double dismemberment, loss of sight in both eyes, or complete and irrecoverable loss of speech or hearing within 365 days from the date of the accident.