Product Plan Overview
This is an EXCESS temporary accident and sickness medical coverage. It covers Non-US citizens while traveling to the USA and then going to other countries. Covers Unexpected Recurrence of a Pre-existing condition up to $1,000. Covered enroute to USA and in countries while on the to the USA or the way home as well as countries on the itinerary. Coverage can initially be purchased for a minimum of five (5) days up to a maximum of 364 days. There is a $10 minimum premium. If a minimum of 5 days is purchased, the coverage may be extended, at the rates in force at the time of extension. This plan is not available to US Citizens, US Residents or US green card holders in the USA or US green card holders traveling to the USA. This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date. This a brief description of the important features of the plan. This plan includes both insurance and non-insurance benefits. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by The Company. COVID-19 EXPENSES are covered and treated as any other sickness.
Please review the individual product plan inclusions and information below. Click on any heading and the information will display below.
COVID-19 EXPENSES are covered and treated as any other sickness
Accident and Sickness Medical Coverage - Policy maximum Choices $50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible: In Network - $0
Deductible: Out of Network Rates are based on choice of out of Network Deductible. OPTIONS - $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
PPO Network: First Health - see Provider Search tab for list of providers in your area
Telemedicine**: Covered (This benefit is not an insurance benefit)
Urgent Care Co-Pay: $30 -If the $0 out of Network Deductible is chosen, there is no co-pay for Urgent Care.
Well Doctor Visit: Pays up to $125 - One Visit per person per Policy Period. The Well Doctor Visit must occur within the first 21 days from the effective date of coverage. To be eligible you must purchase at least 30 days of coverage initially.
Emergency Room Illness with no direct Hospital Admission: $200 Co-pay
Emergency Room Injury/Accident or Illness with direct Hospital Admission: Usual customary charge to the selected Medical Maximum
Trip Interruption: $5,000 per Policy Period
Lost Baggage: $1,000 per Policy Period
Accidental Death and Dismemberment: $25,000 per Policy Period
Mental or Nervous Disorders: $2,500 per Policy Period
Physiotherapy/Physical Medicine/Chiropractic: $50 per visit per day; up to 10 visits per Policy Period
Dental Treatment: $250 per Policy Period (Injury and emergency alleviation of pain)
See Plan Summary of Coverage for details.
** (This benefit is not an insurance benefit.)
This is a brief description of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan issued to with ITA Global Trust, LTD. For a detailed plan description, exclusions, and limitations please view the plan on file with ITA Global Trust, LTD. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster SPC. The Policy will prevail in the event of any discrepancy between this information and the Policy as a brief description of the important features of the plan. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster SPC. The Policy will prevail in the event of any discrepancy between this website and the Policy.
Emergency Medical Evacuation: 100% up to $2,000,000 per Policy Period
Medically Necessary Repatriation: up to $15,000 per Policy Period
Political Evacuation: $25,000 per Policy Period
Natural Disasters Evacuation: $10,000 per Policy Period
Emergency Reunion: up to $15,000 per Policy Period
Return of Minor Children or Grandchildren or Traveling Companion: $5,000 per Policy Period
Repatriation of Remains: 100% up to $50,000 per Policy Period
Local Burial/Cremation: $5,000 per Policy Period
Emergency Reunion: $15,000 per Policy Period
**24/7 Emergency Assistance: Included (This benefit is not an insurance benefit.)
** (This benefit is not an insurance benefit.)
UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION: Up to $1,000 per Policy Period
Benefits are payable for an Unexpected Recurrence of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires
urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Any repeat/reoccurrence within the same Policy Period will no longer be considered Unexpected Recurrence of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Unexpected Recurrence of a Pre-Existing Condition per Policy Period. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.
Pre-Existing shall also include any Acute Onset of an Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that is an exacerbation of, due to, or associated with an underlying condition. Underlying condition shall include any condition that has been monitored by a Physician due to possible deterioration of the Covered Person's diagnosis being changed, as a result of a previously known condition that can affect, degrade, and/or alter a Covered Person's underlying condition, including any changes in medication. Proof of Eligibility is required prior to any payment of Claim.
Optional Coverages:
24-Hour AD&D: $50,000, $100,000, $250,000 or $500,000
Sports Activity Coverage: $50,000 per Policy Period - Some Sports Covered (Refer to Optional Upgrades Chart on the Brochure)
Return to Home Country Coverage: $20,000 per Policy Period (Up to 60 days - prorated)