USAway International Major Medical

Plan Detail

Plan Administrator: Petersen International Underwriters | AM Best Rating: A "Excellent" | Underwriter: Lloyd's of London

Benefits


 

Benefits Limit
Maximum Benefit

Age 0-69  -     $50,000 - $5,000,000
Age 70-74  -    $250,000
Age 75-79  -    $100,000
Age 80-84  -    $50,000

(Benefits listed are per person, per policy period)

Choice of Deductible

Age 0-69   -    $0, $100, $250, $500, $1,000, $2,500, or $5,000
Age 70-79 -    $1,000, $2,500, or $5,000
Age 80-84 -    $2,500 or $5,000

(Deductibles listed are per person, per policy period)

Hospital Expenses All medically necessary expenses while hospitalized.
Physician Services All medically necessary expenses if confinement begins following a medically necessary hospital confinement of 3 days or longer.
Home Health Care All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
Ambulance Services Expenses To and from a hospital within 100 miles in the same geographic area.
Medical Evacuation All medically necessary expenses for stabilization and transportation to the facility nearest your home, which can provide the appropriate care up to $100,000.
Repatriation of Remains In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $100,000
Prescription Drugs Outpatient prescription medications covered up to a maximum of $500
Emergency Return Home If, at er you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by i re, wind, l ood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.
$25,000 Accidental Death $50,000 if accidental death occurs while riding as a passenger of a common carrier
Follow Me Home Provides benei ts for any injury or illness which occurs while in the USA. Benei ts are limited to 5 days for every month of time outside the USA.
Common Accident Provision In the event that you and any additional insured family members suf er injuries from the same accident, only one deductible shall be applied.
Lost Luggage In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a maximum of $500, excess of any and all other valid and collectible coverages.
Trip Cancellation Benefit If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate Family member, or 3) the substantial destruction of your home due to i re, wind, l ood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $1,000, excess of $100 each and every loss and excess of all other valid Insurances.
OPTIONAL COVERAGES
War & Terrorism Coverage If you elect this option Underwriters will reimburse You for Eligible Expenses which are incurred as a result of Injuries or Illnesses sustained due to war/terrorism or act of war/terrorism.  Injuries or Illnesses due to war/terrorism or act of war/terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s) are not covered with this optional benefit.
Sports or Activities Coverage If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specii cally named on the Schedule of Coverage.  Benei ts up to a maximum of $250,000 or the maximum benei t as stated in the schedule, whichever is lesser.