Whether traveling for pleasure, or business purposes, individuals want the
peace of mind that comes with purchasing travel insurance to help provide the security
they need. A Travel Insurance policy responds to medical emergencies for
travelers outside of their home country or country of permanent residence by providing
accident and sickness benefits and valuable travel assistance services.
A standard travel insurance policy covers things such as trip cancellation, travel medical and major medical, emergency medical evacuation, and
accidental death and dismemberment. The “cancellation and interruption” coverage typically covers trip cancellation if you or a family member are
prevented from taking your trip for a reason covered by your policy. You will usually receive reimbursement if your trip is canceled for unexpected
illness or injury or if a doctor deems you or your traveling companion(s) unfit to travel; hospitalization or death of non-traveling member(s);
unforeseen weather disaster at your home or your travel destination; a legal obligation such as being called for jury duty or serving as a witness in
court. However, many travel insurance policies exclude epidemics and pandemics
What Is Travel Insurance?
Always review your policy or contact your agent to identify the limitations and exclusions of your coverage.
Travel Insurance Requirements
“Country of Residence” means a country
or location in which you maintain a primary
permanent residence.
“Covered Accident” means an accident
that occurs while coverage is in force for a
Covered Person and results directly and
independently of all other causes in a loss
or Injury covered by the Policy for which
benefits are payable.
“Covered Person” means any eligible person
for whom the required premium is paid.
“Home Country” means a country where a
Covered Person has his or her true, fixed
and permanent home and principal
establishment or the United States.
“Injury” means accidental bodily harm
sustained by you that results directly and
independently from all other causes from
a Covered Accident. The Injury must be
caused solely through external, violent,
and accidental means. All injuries sustained
by one person in any one Covered Accident,
including all related conditions and recurrent
symptoms of these injuries, are considered
a single Injury.
“Medical Emergency” means a condition
caused by an Injury or Sickness that
manifests itself by symptoms of sufficient
severity that a prudent lay person possessing
an average knowledge of health and
medicine would reasonably expect that
failure to receive immediate medical
attention would place the health of the
person in serious jeopardy.
“Sickness” means an illness, disease or
condition that causes a loss for which you
incur medical expenses while covered under
the Policy. All related conditions and
recurrent symptoms of the same or similar
condition will be considered one Sickness.
“Trip” means travel by air, land, or sea from
your Home Country to another destination.
It includes the period of time from the start
of the trip (Scheduled Departure Date)
until its end (Scheduled Return Date) as
reported in your confirmation statement
for this insurance.
