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Temporary
Medical / International Insurance For:
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U.S. Citizens traveling abroad
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Non U.S. citizens traveling to the U.S.
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Hospital & Medical Expenses
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24-Hour Medical Emergency Services
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Trip Cancellation
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Lost Luggage
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Emergency Dental
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Emergency Evacuation
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Accidental Death & Dismemberment
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Return of Minor Children
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International
Travel Plans - Comprehensive
medical insurance protection for US and non-US Citizens traveling outside their home country for 15 days through one year. Perfect
for business travel, international travel, leisure travel and foreign college students and their families.
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Comprehensive temporary medical protection for individuals
& families traveling outside of their home country.
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Why do you need the Overseas Travel Medical Plan?
Today, more and more people are traveling outside of their home country, either for business, recreation or personal reasons. Frequently, domestic health
insurance does not provide coverage for overseas medical emergencies, and international travelers are unable to obtain this type of protection after they are outside of their home country.
Furthermore, most traditional health insurance does not provide coverage for expenses for an emergency medical evacuation, medical reunion, return of mortal remains, trip interruption or
loss of checked luggage.
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- Who should apply for the Overseas Travel Medical Plan?
- Anyone traveling outside of their home country needs the type of comprehensive protection the Overseas Travel
Medical Plan
provides.
If You are a citizen or resident of the United States (U.S.), You can
purchase the Overseas Travel Medical Plan to
travel anywhere outside of the U.S. If you are a U.S. citizen residing out side of the U.S., You can purchase this protection as long as you hold a current
and valid U.S. passport.
If You are a foreign visitor traveling to the United States (U.S.) , You can purchase the
Overseas Travel Medical Plan as long as You provide us with your current and valid passport I.D.
number.
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What is 24-Hour Medical Emergency Protection?
The Overseas Travel Medical Plan
includes a unique added benefit for You and Your family, 24 Hour Medical Emergency Protection. Our emergency
assistance services are superior and include:
Medical referrals and medical care location
Communication arrangements between family and doctors
International hospital bill translation / interpretation services
Medical case management and catastrophic case notification
Coordinating emergency medical evacuation or repatriations
Assisting in the replacement of lost passports
Locating legal assistance and local interpreters
Arrangements for medical transportation
ELIGIBLE PERSONS
Eligible Persons: A person who has applied for benefits, is named on the application and for whom HPA
has received the appropriate plan cost, is considered eligible for benefits under this Plan.
Eligible Dependents: Are considered a spouse who is legally married to You or Your unmarried Child from 14 days old
until his / her 19th birthday.
SCHEDULE OF BENEFITS
Accident & Sickness Medical Benefits Maximum Choices :*
$50,000, $100,000, $250,000 or $1,000,000
Deductible Choices: $125, $250, $500, $1,000, $2,500
The Coinsurance (after satisfaction of the Deductible) for U.S. citizens or residents
outside
of the U.S. is 100% of Eligible Expenses; and for non U.S. citizens
inside of the U.S. it is 80%Eligible Expenses.
*The Maximum for Accident & Sickness Medical Benefits is limited to $10,000
for Eligible Persons ages 80 and above.
*The Maximum for Accident & Sickness Medical Benefits is limited to $ 10,000
for the Hazardous Sports Rider.
Additional Benefits:
Emergency Medical Evacuation: $100,000
Return of Mortal Remains: $20,000
Emergency Medical Reunion: $10,000
Return of Minor Children: $5,000
Interruption of Trip: $5,000
Loss of Checked Luggage: $250
Emergency Dental for Accidents: $500
Accidental Death and Dismemberment: $25,000 for Eligible Person; and
$5,000
TERM OF PROTECTION
The minimum Term of Protection is 15
days; the maximum is 12 months. Benefits can be purchased in a combination of monthly and 15-day periods by
paying the appropriate Plan Cost.
Convenient Plan Cost payment options include: ( 1)
Payment in Full by check, money order or Visa, MasterCard or Discover credit cards. (2) Monthly Pay as you
go.
Effective Date of the Term of Protection begins on the latest of the
following:
1. The Date HPA receives a completed Application and the appropriate Plan Cost for the Period of Protection; or
2. The Effective Date requested on the Application; or
3. The moment You arrive in the country noted on the Application; or
4. The Date HPA approves the Application.
Expiration Date of the Term of Protection terminates on the earlier of the
following:
1. The moment You return to Your Home Country; or
2. The expiration of twelve months from the Effective Date; or
3. The date shown on the Schedule provided by HPA; or
4. The end of the period for which the Plan Cost has been paid; or
5. The date you are no longer considered an Eligible Person; or
6. For foreign visitors, the Date You become a permanent resident of the United States.
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Need Help?
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We are here to help. Please email us with any questions or problems you may experience while applying by clicking
HERE.
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Insurance can be difficult to understand. Our #1 priority is making sure that you, the consumer receives the most affordable
and comprehensive coverage possible. Contact us with any question you may have on coverage and availability.
LTCC, Inc. is a Master General Agency for HPA and has been a General Agency with
Assurant Health since 1973. We are licensed throughout the United States and have been serving
individuals, families and businesses for
over 30 years.
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For More Information, Contact: LTCC, Inc.
Toll Free: (800) 544-9505
Product Availability Varies By State
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Copyright©
2005, LTCC, Inc.
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