$100 Per Injury / Sickness Deductible Per Person

$100 Per Injury / Sickness Deductible Per Person

Special Information for Quebec Residents:

None of our insurance plans are available to Quebec Residents. You can get the MedjetAssist Air Medical Transportation Plan

Get The MedjetAssist Air Medical Transportation Plan So You Decide When To Be Airlifted Back Home

What Is MedjetAssist?

MedjetAssist is a worldwide medical evacuation & consultation membership program. Members can be transported to the hospital of their choice. You can get MedjetAssist as either an Annual or Short-Term membership.

Who Can Get MedjetAssist?

MedjetAssist memberships are available to residents of the United States, Canada and Mexico except Washington State residents.

How Does MedjetAssist Work?

If you (a member) are hospitalized as an inpatient more than 150 miles from your home, you can choose to be transported to another hospital.

Of course, MedjetAssist does have Air Transport Exclusions & Restrictions. Click here to see what’s not covered

Here Are MedjetAssist’s Distinct Advantages:

• MedjetAssist is a membership program, not a health nor travel insurance plan
• MedjetAssist members are transported without regard to medical necessity – they just have to be hospitalized as an inpatient more than 150 miles from home
• MedjetAssist members, if hospitalized, do not have to worry about being transported to a nearby hospital in a foreign country that has only adequate medical care – MedjetAssist will arrange to medically transfer you to your home hospital or hospital of your choice.
• MedjetAssist has no limit on the cost of a medical transport
• You have no claim forms, co-payments, deductibles nor waiting periods
• MedjetAssist provides air medical transportation within the United States as well as abroad
• MedjetAssist maintains a global network of authorized affiliates that provides access to medically equipped aircraft as well utilizing commercial airlines with medical escorts.
• You get medical and legal referrals, translation assistance for foreign medical reports, pre-travel medical consultations and return of mortal remains (return of mortal remains isn’t available to Oregon residents).
• There’s no pre-existing condition exclusions for those under the age of 75
• There’s no adventure travel exclusions, no natural disaster exclusions
• There’s no terrorism exclusions

How Much Does MedjetAssist Cost?

• One year Regular Plan memberships are $250 for an individual, $385 for a family, up to age 75. You can get multi-year discounts, too.
• The Diamond Plan is available for ages 75 – 85
• Short-term memberships start at $95 for 7, 14, 21, & 30-day terms
• You can get an AARP discount

Here are the Regular Plan prices:

Here are the Regular Plan prices With the AARP Discount:

Here are the Short-Term Plan prices:

Here are the Short-Term Plan prices With the AARP Discount:

How & Where Do I Get MedjetAssist?

You Can Easily Get MedjetAssist From TripInsuranceStore.com:

Safely, easily online from MedjetAssist Over the telephone: Call Deanna, Becky, Tara or Steve toll free at 1-888-407-3854 or 507-214-3854. – We are available 7 days a week – You get to talk to a live person – We’re happy to answer all your questions – We can even complete your application over the phone – Everything you tell us is confidential.

Go to MedjetAssist’s secure online order form. Or call us toll free at 1-888-407-3854 to place your order over the telephone.

MedjetAssist Has Different Plan Options:

Short Plan Summary

Regular Plan MedjetAssist is your ticket home if you become ill or are injured. Annual memberships are available to residents of the U.S., Canada and Mexico. These memberships allow these residents to travel outside of their respective countries for up to 90 consecutive days.

Diamond Plan The Diamond Plan membership offered by MedjetAssist is available to individuals between the ages of 75 and 85. Get more Diamond Plan information

Short-Term Plan You can get a short-term (7 – 30 days’ length) MedjetAssist program if you are up to age 75 & live in the U.S., Canada and Mexico except Washington State.

MedjetAssist Plus Program In addition to the benefits of our regular membership, a PLUS membership adds: secure online storage and maintenance of personal medical information, up-to-the-minute trip intelligence, free international cell phone rental and up to $50,000 cash advance for medical emergencies. Add $119 per plan per year for the Plus plan

Expatriate Plan Memberships are available for U.S., Canada and Mexico residents living for extended periods in other countries. The fees are based on the amount of uninterrupted time spent outside the U.S., Canada and Mexico.  Number of days out of U.S, Canada & Mexico Individual Family Level One (91 – 180 days) $420 $535 Level Two (181 – 270 days) $520 $720 Level Three (271 days – One year) $655 $975 Click here for the Expatriate Plan’s Secure Order Form Expatriate Plan with AARP discount Memberships is available for U.S., Canada and Mexico residents living for extended periods in other countries. The fees are based on the amount of uninterrupted time spent outside the U.S., Canada and Mexico. Number of days out of U.S, Canada & Mexico Individual Family Level One (91 – 180 days) $345 $440 Level Two (181 – 270 days) $425 $590 Level Three (271 days – One year) $535 $800 Click here for the Expatriate Plan’s Secure Order Form

If you already know which MedjetAssist plan you want, click here to go to MedjetAssist’s secure online order form. Or call us toll free at 1-888-407-3854 to place your order over the telephone.

MedjetAssist’s Membership Eligibility

• Must be under age 75 for basic membership.
• A family membership shall include the named primary member, his or her spouse and up to five of their unmarried dependent children (including step, foster or legally adopted children) under the age of 19 or up to age 23, if a full-time student in actual attendance at an accredited school or college and dependent on the primary member for support and maintenance. If a birth or legal adoption occurs during the year of a family membership, the new dependent is automatically covered upon notification. A dependent child, as used above, is one who lives regularly and permanently with the primary member in a parent-child relationship and is chiefly dependent upon the member for support.
• Membership enrollment and renewal are subject to approval by the MedjetAssist membership committee.
• Membership is valid only if the appropriate membership fee is collected.
• Members who have reached age 75 or older at the time of their enrollment are not eligible for membership benefits under the Basic Plan. They can get the MedjetAssist Diamond Plan. All applications must be reviewed and approved prior to enrollment for individuals age 75 – 85. All membership applications and / or enrollment forms must include accurate dates of birth in order to ensure eligibility for benefits. Note: The Diamond Plan may not be purchased online. Here are the applications you may print out: (you can view them with the free Adobe Acrobat Reader)
  • Diamond Membership Application
  • Diamond AARP Membership Application

Here’s Some More Important Information About the Diamond Plan:

• A general health questionnaire and medical statement must be completed by the prospective member and his or her physician. Only the Medical Statement form provided by MedjetAssist will be accepted for consideration. All information is kept strictly confidential.
• Diamond Plan membership plans are available only as individual memberships at a cost of $395.00 per person, per year. If a prospective Diamond Plan member is currently enrolled in a basic family membership, and the spouse has not yet reached age 75, we will enroll the spouse (and dependents, if applicable) on a separate membership at their regular rate.

Diamond Plan members are entitled to the same MedjetAssist benefits as basic members with the following exceptions:

• Diamond Plan members are limited to one transport per membership year.
• Member transport benefits for Diamond Plan members are subject to the following preexisting condition limitation:“Membership benefits will not be provided for any preexisting defect, infirmity or condition for which an enrolled member is receiving medical treatment, advice or consultation in which there has been any (1) alteration in the dosage or usage of prescribed medication for such condition or (2) alteration or modification to an existing treatment plan for such condition or (3) invasive or noninvasive treatment or therapy for such condition, either as an inpatient or outpatient during the 180-day (6-month) period immediately prior to the effective date of the membership. Benefits will be provided if the member’s preexisting defect, infirmity or condition has been controlled without changes as listed above for longer than period shown, and such sickness or injury is unexpected.”

Here are the Diamond Plan applications: Diamond Membership Application and Diamond AARP Membership Application

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MedjetAssist’s Air Medical Transport Criteria

• You must be hospitalized as an inpatient more than 150 miles from your primary residence as listed on your enrollment application and continue to meet inpatient criteria at the receiving hospital.
• If you are medically discharged from the hospital or leave against medical advice and are physically able to travel under you own power, you will no longer be eligible for air medical transport benefits.
• Due to the limited medical facilities and testing available on cruise ships, in some cases the MedjetAssist Medical Director may require the member to be admitted to a hospital on-shore before scheduling air medical transportation to another hospital.
• All arrangements for medical evacuation and repatriation must be made by MedjetAssist. Because MedjetAssist is an assistance program and not an insurance plan, we will not reimburse members for expenses they incur on their own. Decisions regarding urgency of the case, the best timing and the most suitable means of transportation will be made by the MedjetAssist medical department after consulting with the local attending physician and the receiving physician.
• Evacuation flights will be performed if an inpatient hospitalization is required, and the remaining in-patient hospital stay can be completed at a hospital of the member’s choice near the member’s home, and the member is unable to return to his home hospital via commercial airline without medical escort. Aircraft used for the medical transport of MedjetAssist members are fully equipped intensive care aircraft staffed with specially trained medical teams. However, if the member’s condition permits, the member may be transported by scheduled commercial airline, while in the care of a MedjetAssist medical team. Air medical services are limited to two separate flights per membership per year, except for repatriation flights involving enrolled, multiple family members requiring simultaneous repatriation. Under these circumstances, each family member will receive one fully paid flight.
• Transport from home hospital to a specialty hospital more than 150 miles away is provided only in cases in which the appropriate medical specialty or equipment is not available at the member’s hometown hospital and the member cannot travel commercially without medical escort. (This benefit does not apply to short-term membership.)

More Information:

No Medical Necessity To Be Transported
MedjetAssist members are transported without regard to medical necessity. Members, as long as they are hospitalized as an inpatient more than 150 miles from their home, can choose to be transported to another hospital, even if the facility they are in is considered adequate. The member makes the decision to be transported.

Many health, travel insurance plans and platinum card benefits require that a transfer be medically required. In other words, as long as the care at a hospital is deemed adequate, transferring to another hospital is not an option.

You Can Go To The Hospital Of Your Choice
MedjetAssist flies individuals to their home hospital or hospital of their choice. Many plans generally restrict transports to the nearest hospital that provides “appropriate care.” This means individuals are taken to a hospital the shortest distance away that has adequate care, but not necessarily the best care.

MedjetAssist members, if hospitalized, do not have to worry about being transported to a nearby hospital in a foreign country that has only adequate medical care. Members choose if they want to fly home to their local hospital or hospital of their choice to receive the very best care and to be near their family.

There Are No Cost Limits
MedjetAssist has no limit on the cost of a medical transport. Many companies and insurance plans place caps – some as low as $25,000 – on the total amount available for an air ambulance. But a medical transport between Europe and America can run more than $35,000. Middle East and South American flights range from $60,000 to $80,000. Transport from Asia often exceeds $100,000.

You Have Domestic & Foreign Transport Coverage
MedjetAssist provides air medical transportation within the United States as well as abroad. If a MedjetAssist member becomes ill or injured and is hospitalized while traveling in the U.S. or abroad, MedjetAssist will take the member to their home hospital or the hospital of their choice.

In addition, if a MedjetAssist member is hospitalized in their hometown hospital and requires the services that only a specialty hospital (center of excellence) can provide, and the member is too ill or injured to fly commercially, MedjetAssist will fly that member to the specialty hospital, provided it is more than 150 miles from the member’s home hospital.

MedjetAssist Air Transport Restrictions and Exclusions

Yes, MedjetAssist does have Air Transport Exclusions & Restrictions. It’s a good idea to see what’s not covered

**EXCLUSIONS**:

Members will not be entitled to air medical transport benefits if their illnesses or injuries are the results of or are contributed to by the following:

• War, invasion or civil war;
• Suicide or attempted suicide or intentional self injury;
• A member’s own criminal or felonious act or sustained while the member is in a state of insanity;
• A member on an organ transplant list prior to enrollment will not be entitled to a transport for that transplant;
• A member who is hospitalized at the time of enrollment will not be eligible for transport benefits for that hospitalization and may not be accepted for membership entirely;

MedjetAssist reserves the right to change or amend these rules and regulations. MedjetAssist is solely responsible for the interpretation and application of the rules and regulations communicated in this publication. All determinations by MedjetAssist shall be final and conclusive in each case. Memberships are non-transferable and non-refundable. By enrolling as a member, you accept and agree to the terms and conditions of membership.

**RESTRICTIONS**:

• Both the originating and receiving hospitals must be reasonably accessible by ground ambulance to transport the member to and from an airfield capable of accommodating an authorized aircraft.
• Membership provides access to MedjetAssist authorized affiliates only.
• Due to the high risk of sending U.S. registered aircraft and personnel into countries where the U.S. State Department has issued travel restrictions, membership services are subject to exclusion in these areas.
• A member with tuberculosis or other chronic airborne pathogens may not be transported.
• A member with mild lesions, simple injuries such as sprains, simple fractures or mild illness which can be treated by local doctors and do not prevent the member from continuing his or her trip or returning home does not qualify for air medical transport.
• Air medical transport services will not be provided in cases where the member’s primary admitting diagnosis is an inpatient psychiatric disorder.
• A member traveling outside the United States for the sole purpose of seeking medical treatment, whether inpatient or outpatient, experimental or otherwise, will not be eligible for air medical transport benefits for that specific trip.
• A member traveling or living outside the United States or Canada for an uninterrupted period in excess of 90 days is not eligible for membership benefits under the standard plan. Extended Stay (Expatriate) packages are available upon request.
• Up to two (2) family members, business associates and/or traveling companions may accompany the patient, at no additional cost, on a MedjetAssist authorized aircraft during a transport, provided space is available and the patient care is not compromised. One family member or traveling companion may accompany patients being transported via scheduled commercial airline at no additional cost via economy class.
• Payment of membership fee entitles the member to the membership services as published at no additional cost to the member. This membership permits MedjetAssist to collect for services rendered directly from the member’s insurer or other provider, if available. If the members has no insurance coverage for the services rendered, the member is still entitled to all MedjetAssist benefits at no additional cost.
• While MedjetAssist makes every effort to accommodate its members, the patient and an accompanying passenger are limited to one small carry-on bag each due to limited space available on medical aircraft. MedjetAssist will arrange for additional luggage to be forwarded at the member’s expense.

Click here to go to MedjetAssist’s secure online order form. Or call us toll free at 1-888-407-3854 to place your order over the telephone.

Thank you for contacting SnowbirdInsurance.com

Dear , thank you for leaving your message.

Steve will get back to you as quickly as possible.

If you do want to call us, you can reach us at at 1-888-407-3854 (US & Canada) or 507-214-3854 seven days a week. We are open Monday – Friday: 8:45 am – 9:30 pm ET, Saturday: We’re here during the day, Sunday: We’re here in the afternoon. We’ll call you back if we miss your call.

Finally, thanks again for stopping by. We are truly here to serve you.

Use this form to email Steve at Snowbirdinsurance.com or write us at steve@snowbirdinsurance.com

Steve Dasseos will write you back promptly, unless it’s the middle of the night (if the email time stamp’s at an odd hour you probably caught him up!).

Here’s why Steve wants your name:

• You don’t have to give us your real name, though it helps us if you do just so we can keep track of who asks us what and what we tell you. Plus, when you call in your order we can find your info.
• The other reason is because Steve doesn’t want to start his email to you as “Dear Anonymous,”. The internet and the whole world for that matter have gotten way too impersonal. You are a real person and you deserve to be addressed by a proper name.

Snowbirdinsurance.com has travel medical insurance plans that cover up to US $100,000 medical with just a 180 day Lookback Period on pre-existing medical conditions.

And, if you need pre-existing medical conditions coverage, but don’t live in Quebec, one of our plans will cover any stable pre-existing medical conditions with no medical questionnaires. There are no medical questionnaires since this plan can easily be arranged to cover pre-existing conditions if you have a prepaid trip cost in the future, but before you depart on your trip.

If you don’t need pre-existing conditions coverage, it’s likely our prices will be too high for you because our plans cover all pre-existing conditions at the same cost. If this is the case for you, don’t waste your time filling out the form below.

Important Note: The prices on the only plan that covers all Pre-existing Medical Conditions have substantially increased.

Mickie’s Grandfather’s Fully Paid
Travel Insurance Claim

My name is Mickie. I’d like to share our experience with Snowbirdinsurance.com and Steve Dasseos.

For the past 10+ years, my Grandparents have been escaping the Alberta winters by “Snowbirding” to Arizona for 5 months.

My Grandfather had some health issues requiring hospitalization (in Alberta) during the summer of 2010. He recovered and was looking forward to their planned travel back to Arizona in Oct of 2010. After giving his business to the same insurance provider for the past 10+ years, he was flat out refused for ANY insurance coverage by them, due to his hospitalization that summer. At the age of 88, we found that most insurance providers refused him insurance or the prices were extremely high with very little coverage and many confusing “sub-clauses”.

After scouring the internet, we came across SnowbirdInsurance.com. Admittedly, at first, the My Travel Guard policy seemed too good to be true.

The ability to waive the 180 day look back period, regardless of his medical issue over the summer, seemed too good to be true. After asking many questions to a very patient Steve Dasseos, we were satisfied that we understood the policy and he purchased the “My Travel Guard” plan for $100,000 coverage.

In March of 2011, just days before my Grandparents were flying home to Alberta, my Grandfather was rushed to hospital in Arizona needing emergency surgery.

The insurance would be put to the test.

All of the hospital, doctor and surgery expenses were fully covered and it was without question or hassle. Travel Guard had a team of people that liaised between our family and the hospital to ensure my Grandfather received all he needed to recover. As a family, we felt huge relief that he was going to be okay, and after surgery and a 5 day stay in the hospital, was released and able to return back home to Alberta the first week of April without any medical expenses to pay.

Fast forward to Aug 2011. My Grandparents hoped to travel back to Arizona again for the 2011/2012 winter. I expected there to be some issue or limitation with his coverage since he now had a claim history. We were pleasantly surprised to find that his insurance cost did not increase at all and his coverage is as comprehensive as the previous season. My Grandmother chose to use SnowbirdInsurance.com as well and their flights are booked!

After going through this experience and seeing that the insurance coverage is reliable and solid, we want to do all we can to encourage other people to use Steve and SnowbirdInsurance.com

My fiancé and I are being joined by 40 guests in the Dominican Republic for our wedding in October 2011 and most of our guests have purchased their trip cancellation & medical insurance from Steve and his main website www.TripInsuranceStore.com. The pricing and coverage was better than that offered by the tour operator.

On behalf of my Grandparents Nick and Nancy, as well as our family…

Many thanks to Steve and his team at SnowbirdInsurance.com,

Mickie
Edmonton, Alberta

Steve Dasseos’s note: If you want the same My Travel Guard plan with as Mickie’s Grandfather had, click here. You will have to open your mind to understand how our plan works.

Read What Other Snowbirds Just Like You Have to Say

Click here to see what happened with the emergency surgery Mickie’s Grandfather from Edmonton, AB had in Arizona.

And, if you want to read even more Testimonials than are below, click here to see another 1,600 or so.

I was having great difficulty finding suitable travel insurance in Canada for our trip to the UK and I turned to the Trip Insurance Store for help. Steve called me in person to discuss my needs and provided me several excellent options (which were cheaper and better than anything I had found so far) and recommended one on them in particular to me. I was so pleased with the service he offered me, I am asking him for help with my next trip to the UK. – Paul T., Calgary, Alberta, Canada

We did our business with Steve this year & last year. He is a very nice person & very easy to talk to. He makes sure you are satisfied with your insurance before he will rush you through & hang up the phone. I will surely spread the word about your insurance. Many thanks. Norma & Jesse M., Port Hawkesbury, Nova Scotia, Canada

I’m glad I came across your web page. I was very lucky to connect with Steve who answered the phone on Good Friday and calmed my fears that I would be able to find good coverage for my 80+ husband from Canada. Steve spent much time explaining various plans and the pros and cons to each. Steve, thank you for all your help over numerous phone calls and your expertise in advising the appropriate plan for my hubby. Dominican here we come! Mary T. Ontario, Canada

I thought it was very nice the way you handled things. Even the thank you letter you sent for doing business with you. It’s not very often you get that kind of customer service anymore. Mary R., Mississauga, Ontario, Canada

My son called from Florida to finalize our travel plans he was given all the pertinent infomation and great customer support. Many Thanks, Myra H., Uxbridge, Ontario, Canada

You have great customer service and followup. Bercu M., Westmount, Quebec, Canada

Hey guys, just keep doing what you’re doing ! I was totally impressed with the knowledge, experience, helpful advice, the personal service (which travel insurance broker calls you before leaving for your trip these days …?) and the price. I’ve recommended your company to many of my friends and relatives. Frank G., Richmond Hill, Ontario, Canada

Friendly & knowledgeable agents. I just bought 2 travel insurance policies one for myself & the other for my wife. It was an easy, friendly, professional transaction with Denise. She made some recommendations & I took her advice. I hope everything else will be as smooth as this experience. John D., North York, Ontario, Canada

I love you guys! I already recommended you to 3 of my friends”. John D., North York, Ontario, Canada

My claim went well and was paid quickly! Thanks for your help. You guys were wonderful. I have no trouble recommending you to everyone I know. Thank you! Susan B., Toronto, Ontario

Thank you for your help. It made our selection of a package much simpler and clearer. We will be making the purchase through your site so that you get the credit for the sale. Sincerely, George L., Calgary, Canada

This is the third year we have purchased your snowbird insurance. Though we have not had file any claims to date we have been impressed with your friendly and courteous staff. We have given your toll free number and web site address to many of our snowbird friends. Thank you. Betty and John J., Vernon, British Colombia, Canada

I have been dealing with Steve for the past 4 or 5 years….I guess it’s proof enough of my “smile of satisfaction”! Thank you and Good Luck! Paulette M., Montreal, Quebec, Canada

I have been telling everyone how good the values are and I will be back. David D., Prince George, British Colombia, Canada

I was completely satisfied with the information and service you provided, and will definitely recommend you to my friends. George L., Calgary, Canada

I have recieved the best customer service from your company. You guys are the greatest. Viola T., Ontario, Canada

I’m very impressed with the minimal amout of paperwork and your low prices. Several friends referred me to you. I’ll be sending lots of business your way. Margaret G., Hamilton, Ontario, Canada

I like the way your company responded so quickly to solve a recently problem that I encountered with a policy mixup. Steve kept his word and got ahead of the problem even if it meant having to work on the problem on a weekend, when he could have been doing other things. You’re a great company to deal with. Henry S., Dundas, Ontario, Canada

You have very good customer service and followup after the sale. Bercu M., Westmount, Quebec, Canada

This is quick and easy to get the trip insurance. It is so fast and easy to get our trip insurance through this company. Every one is so nice to deal with and the confirmation is quickly e-mailed to us. This is our third time with getting trip insurance with this Trip Insurance Store.com. Thank you so much. Joyce T., Rimbey, Alberta, Canada

Dear Steve, Thank you for everything. I am really happy to have obtained my travel insurance from you on one of the Companies you trust. Rest assured that I will recommend your store to friends and relatives who need travel insurance. Best wishes. Yours truly, Ramanathan P., Scarborough, Ontario, Canada

You have been a GOD send to us, otherwise we were planning to sell our Florida home – Thanks, and we have already told our friends about you, and gave them your toll free #. Tara was very helpful. Thanks to her, too. Yours sincerely, Conrad W., Harrow, Ontario, Canada

I used your services for the first time in April of this year. Your website was recommended to me by a friend and I was NOT disappointed. I found your info relatively easy to navigate through and then when I did make a phone call to book some insurance, I was answered promptly by a voice and not an automated machine. Thanks very much and I will certainly be making use of your services again. Bernard S., Lethbridge, Alberta, Canada

Thank you for your help with my recent purchase. Steve was great at answering my questions. Trip Insurance Store.com does a good job of answering most question, but it is great that we can call and talk to someone when we want further or expanded information. Antonia M., Ottawa, Ontario, Canada

Fast service, very friendly customer service representative (Deanna) and the price was reasonable. Gordon S., Brampton, Ontario, Canada

Thanks, The employee was clear, and quick. Antionetta A., Branson, Ontario, Canada

This is an excellent site, easy to use. I especially apreciate the price comparison. Frank G., Richmond Hill, Ontario, Canada

Hi Steve, I wanted to say Thank You for your offer of assistance today with my complaint about Travel Guard and the handling of my claim. I will use your service again as it was excellent and I would recommend it to friends! Thanks, Sharon P., Mississauga, Ontario, Canada

I have travelled with Trip Insurance Store.com before and found them excellent. Will always contact them when I go abroad again. Reginald B., Mississauga, Ontario, Canada

Trip Insurance Store.com seems like a reliable, and easy to use company to deal with. All too often I rent cars and purchase the LDW at $25 a day or more, and never have a problem with the car, but I wondered were there other options….sure enough! My rental hasn’t occurred yet, but I’m sure things will go smoothly! George E., Vancouver, British Colombia, Canada

After purchase I had a question which was answered fullyby the boss!! Thank you for your help,your knowledge of the product and your patience. Doris S., Picton, Ontario, Canada

Awesome – thanks for the quick assistance! I received great service from you’s last year, and I didn’t think of anyone else when planning this trip! This is from Sherry B., Thunder Bay, Ontario, Canada

You have wonderful insurance. You were very easy to work with & deal with. It was unbelieveable. I’ve just never had coverage like this. Trip Insurance Store even called me. Frank D., Moncton, New Brunswick, Canada

This is wonderful & you’ve been wonderful to deal with. John R., Calgary, Albert, Canada

Hi Deanna: We have returned from Florida safe and sound. – no problems thus no claims. Thanks again for your efficient service. Mary B., Palmerstown, Ontario, Canada

I will most definitely recommend the trip insc.store to my friends – Very impressed with the quick and accurate service that I received. Thank you. Lizanne D., Toronto, Ontario, Canada

Thank you so much policy number received …..great service. Lillian St-Cyr., Quebec, Canada

The pleasant attitude over the phone is reflection of a happy and smiling person at the other end, always had great communication with everyone. Thank you, Jean F., Calgary, AB Canada

This is the first time we have used your company and feel that the premiums are too good to be true. But, we feel so lucky to have found you. We have not had our vacation yet, but once we return from our vacation we will inform you of ant problems we may have had or to inform you that we were fully satisfied and that we will be contacting you again in the New Year. Raymond Davis, St. John’s, NL, Canada

Awesome to deal with. Thank you so much for making our first time at planning a vacation by ourselves that much easier and that much safer :o) And yes, we will definitely recommend!!! Take care, Rachel & Bill Allen, Weyburn, SK Canada

Thank you for the email. I have purchased insurance from you and it was so painless. Hopefully, we won’t need to use it, but if we do will let you know our experiences. Thanks again, Fran W., Edmonton, AB, Canada

I enjoyed talking with your represtatives they were very informative. Thanks Hartley V., Erieau, ON, Canada

Thanks Steve, For the clarification. I love your site and people. You are the only insurance site I’ve contacted that calls a spade a spade when explaining things………nice and simple and actually have answered my question. Others I’ve contacted about their policies just give me the old politician run a round and never really answer the question………so that’s why I’m going to always purchase from your site. Greatly appreciated! Patricia T., Whitby, ON, Canada

Your information was very helpful, I did not know the difference between primary and secondary coverage and was glad to find out, your quck comparison chart was also very helpful. I am glad I found your website. Victor W., Copper Cliff, ON, Canada

You have very prompt service and the best online service I have had you really should be proud of your staff. Thomas C., Abbotsford, BC

Thank you for giving travel insurance to so many seniors. Your service is greatly appreciated by me. Vince D., Caledon, ON

My type of Service – Deanna you are a fantastic people person. Dinesh, Mississauga, ON

When we first started looking for out of country insurance we were horrified at the prices. As you can see we were very happy to see your Snowbird Insurance ad at the right hand side of the screen. We just followed the prompts and purchased online….No fuss or muss. Thanks again. Carol R., Bracebridge, ON

Deanna is great. Used for three years, recommended to friends. Ron M., Toronto, ON

Hi Deanna…received your e-mail…many thanks for all your help. It was a pleasure talking with you and with someone so pleasant and informative. Thanks again! Gerard and Dolores R., Bayfield, ON

I recieved your post card and want you to know that all went well on my trip. Give my best to Steve and to let Tara know all went well and thank you.” Paulette M., Toronto, ON

Thank you for your prompt reply. I was seeking travel / health Insurance for my 82 year old mother to go from Canada to her great granddaughter’s in Florida. Other companies’ quotes were so off the scale that she would have not paid the premiums. Thanks to you she can travel. Sharon A., Oshawa, ON

You are very pleasant to deal with. We have dealt with your agent Deanna very pleasantly and we will recommend you to all our friends who need your services. Thank you & GBU, Anton K., Richmond Hill, ON

Very trustfull and friendly Tara, Steve and the whole office. We all ready recomended toour friends and they very happy with the service. Edith and Tibor L., Dollard Des Ormeaux, QC

I am writing on behalf of Margaret D___. We have been so pleased at how this was all handled the first time that we came back again. I am also going to get my insurance through you. Suzannah G., Victoria, BC

I really appreciate companies who want to make a difference in the way business is done and you are one of those companies. I recommend you to all of my friends. Thank you so much. Johanna P., Port Hood, NS, Canada

Margaret and I have been so pleased at how this was all handled the first time that we came back again. I am also going to get my insurance through you. Suzanna G., Victoria, BC, Canada

Dear Steve, Your advertising is clever and it works. I randomly picked Trip Insurance Store.com for comparison and found that CSA fits the bill. Since your prices are the same as the insurance company, I’ll use you every thie we travel in the future. Gerry F., Ottawa, ON, Canada

I had a large claim last year and it was handled very good. I have been treated real good. It’s too bad that this policy can’t continue and we will have to look for other coverage next year. Perhaps there will be something by then. It is a pleasure to do business with you. Thanks. Allan O., Kelowna, BC, Canada

So far,it would appear that you understand good old customer service. Customer service is something that’s missing in so many places we try to do business today. Thank You Deanna. Pete S., Listowel, ON

Steve and Becky, Thank you both, your respective customer service skills are awesome!!! I have recommended Travel Guard to several of my friends and I will come back to you. Sincerely, Art K., Ontario, Canada

What a great company to deal with. So quick and polite and friendly. I will use the company again. Ann S., Beaconsfield, Quebec, Canada

Becky was a wonderful help to us with our travel insurance claim. Ruby B., Nine Mile River, BC, Canada

What a great company to deal with. So quick and polite and friendly. I will use the company again. Ann S., Montreal, Quebec, Canada

You have excellent service. I always find your staff polite and helpful. John H., Vaudreuill, Quebec, Canada

We had a most enjoyable trip to Vegas with Frank and Roxanne D., who had recommended you to us. I will carry your Toll Free # in my wallet to provide info to my friends who need travel insurance for their travel plans. Thanks for a worry free vacation. Eula and Kelly B., Lower Sackville, Nova Scotia, Canada

I have dealt with Becky twice now. I am so pleased when I called, Becky personally answered the phone, no numbers to push. She even sent me her business card. Personal contact is great. Clem S., Lacombe, AB, Canada

Customer Service Rep, Becky, was very helpful and courteous. She answered my questions without hesitation. Again, thank you Becky. Joyce H., Oakville, Ontario, Canada

As a Canadian I am glad to have this choice to deal with you wonderful people. I have been getting my insurance from you for quite a few years. Hartley V., Erieau, ON, Canada

Becky was very very GOOD and on all my questions thanks again Becky. Lorne H., Saskatoon, SK, Canada

Just wanted to say hi, and that we will definitely be using you for our travel insurance again – 3rd time in as many years – your service and prices are great, I won’t even look at the ‘offered packages’ on flight/travel sites. Thanks again – it’s nice to just pop your address in and know I’m not going to overpay for insurance packages – and I even get a choice! Sherry B., Thunder Bay, ON, Canada

This is the fourth year we are using your company, had no problems or claims in the past so far it’s OK. Paul O., Ottawa, ON

Hi Steve, Thank you for the crisp $1 bill and providing the travel insurance claim tips. I really appreciate you and your staff’s assistance throughout this process. Everyone was always courteous and helpful. I will certainly recommend Trip Insurance Store.com to friends and family, especially when Canadian travel insurance companies do not offer any coverage for pre-existing medical conditions. Sincerely, Wendy J., Burnaby, BC

Thank you so much. I know now why you are “dubbed” the Guru of Travel Insurance! We’ll have no qualms about dealing with you when making future travel plans. I do trust you’re not going to retire in the near future? Thanks again, Steve, and all the best to you in 2009. Sincerely, Verna & Art K., Alberta, Canada

Very fast service – I had the policy within an hour via e-mail. You were recommended by a friend, and after checking your BBB report I had no hesitation in using your company Thank you, Shirley L., Owen Sound, Ontario, Canada

Steve, thank you for your attention to this matter. Your service is greatly appreciated. Keith S., Ajax, Ontario, Canada

As with any new company, or product one is always a little uneasy. That was the case with us for last years travel insurance. The proof was in the pudding however ’cause after a couple of small claims and the promptness in which they were handled has definitely played a part in our re-newing again with your company for this winters travels. Again many thanks for your dilligence. We will recommend you to our friends and neighbors. Robert M., Grand Bend, ON

Deanna was great. I spent nearly 3 hours trying to find the insurance I wanted and got it from her in 5 minutes! Great job. I’m very happy and you can use my comments if you want to. Gordon S., Burlington, ON

Takes 2 minutes to order a policy. EXCELLENT Morton K., Montreal, QC

Have used your Travel Insurance services for many years … and have been Satsfied with the service your staff has given. Have recommended your service to friends … as far as Manitoba and Saskatchewan. Thank you for your patience. Sincerely, Patricia M., Chateauguay, Quebec

I have the e-mail and the mailed copy. Thank you for checking. I will definitely do repeat business with you. I am very impressed with the service level that I have received with your company. Thank you for all of your assistance. Have a great day. Colleen C., Niagara-On-The-Lake, Ontario

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Note: this page covers OHIP. If you have a different provincial plan, check with it to find out your outside of Canada coverages

Does OHIP Cover You Outside Canada?

When I travel outside of Canada will OHIP pay the same medical expenses that are covered in Ontario?

No. If you are a resident of Ontario and you are insured under OHIP, you are entitled to very limited funding for a limited range of medical services when you are travelling outside of Canada. For this reason, you are strongly advised to purchase additional health insurance every time you leave Canada.

Want to learn more about OHIP? Click here to go to OHIP’s Informational page.

OHIP will not pay more than the service would have cost in Ontario.

• For physician services, OHIP will pay the actual cost billed by the out-of-country physician(s) or the cost of the same physician service(s) in Ontario, whichever is less. Physician services in Ontario are usually rendered at a significantly lower cost than at those billed out-of-country health facilities. Please note that out-of-country health facilities and physicians usually bill on an individual basis.
• For health facility services, OHIP will pay $50 Canadian (CDN) per day.
• For inpatient services, OHIP will pay $200 CDN per day. If the services are inpatient services rendered in an operating room, coronary care unit, intensive care unit, neonatal or pediatric special care unit, then OHIP will pay at the higher rate of $400 CDN per day for hospital services.
• For outpatient dialysis services, OHIP will pay $210 CDN per day.

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Get The MedjetAssist Home Country Hospital Of Choice Membership So That You Can Decide Where To Receive Your Medical Care

MedjetAssist is not an insurance plan, so it doesn’t pay your medical bills. Medjet just pays the transport and related costs. Travel insurance pays medical costs. Go here to get quotes on medical coverage, trip cancellation & interruption plans PS – You can use MedjetAssist for your medical transport plus have a travel insurance plan for all its extra coverages including medical treatment prior to being transported.

One Trusted Plan | Two Member Options

Click here to see the details

Why Are there Two MedjetAssist Plan Choices?

MedjetAssist is a domestic and global air medical transport membership program with two plan choices: Classic Medjet and the MedJet Horizon (includes all the air medical transport benefits of a Classic MedJet membership, plus medical, travel security and crisis response services).

What Is MedjetAssist?

MedjetAssist is a domestic and global air medical transport membership program. If a Medjet member becomes hospitalized 150 miles or more from home and meets transport criteria, Medjet will arrange medical transport to the hospital of their choice within their home country. All the member pays is their membership fee.

Who Can Get MedjetAssist?

MedjetAssist memberships are available to residents of the United States, Canada and Mexico.

How Does MedjetAssist Work?

If you (a member) are hospitalized as an inpatient more than 150 miles from your home, you can choose to be transported to another hospital.

Of course, MedjetAssist does have Air Transport Exclusions & Restrictions. Click here to see what’s not covered

Who Is A Family Member (for the Family coverages)?

A family is a primary member, spouse or partner residing at the same location and up to 5 unmarried dependent children under the age of 19 unless they are a full-time student then up to age 23.

Here Are MedjetAssist’s Distinct Advantages:

• MedjetAssist is a membership program, not a health nor travel insurance plan
• MedjetAssist members are transported without regard to medical necessity – they just have to be hospitalized as an inpatient more than 150 miles from home
• MedjetAssist members, if hospitalized, do not have to worry about being transported to a nearby hospital in a foreign country that has only adequate medical care – MedjetAssist will arrange to medically transfer you to your home hospital or hospital of your choice.
• If you need to come home for medical reasons, but do not need a private plane, they will send a trained health professional to escort you home on a regular flight.
• MedjetAssist has no limit on the cost of a medical transport
• You have no claim forms, co-payments, deductibles nor waiting periods
• MedjetAssist benefits are available within the U.S. as well as abroad
• MedjetAssist maintains a global network of authorized affiliates that provides access to medically equipped aircraft as well utilizing commercial airlines with medical escorts.
• You get medical and legal referrals, translation assistance for foreign medical reports, pre-travel medical consultations and return of mortal remains (return of mortal remains isn’t available to Oregon residents).
• There’s no pre-existing condition exclusion for those under the age of 75
• There’s no adventure travel exclusion, no natural disaster exclusion
• There’s no terrorism exclusion

How Much Does MedjetAssist Cost?

• One year Regular Plan memberships are $270 for an individual, $395 for a family, up to age 74. You can get multi-year discounts, too.
• Short-term memberships start at $99 for 8, 15, 21, & 30-day terms
• Buy the MedJet Assist plan

Here are the Regular Plan prices:
Membership Length	Individual	Savings Vs. Annual Individual	Family	Savings Vs. Annual Family
Annual Membership	$270	–	$395	–
2 – year Membership	$485	$55	$735	$45
3 – year Membership	$685	$125	$1,035	$150
5 – year Membership	$1,060	$290	$1,605	$370
Click here for the Regular Annual Plan Order Form

Here are the Regular Plan Prices with a potential Senior Citizen Discount:
Membership Length	Individual	Savings Vs. Annual Individual	Family	Savings Vs. Annual Family
Annual Membership	$235	–	$345	–
2 – year Membership	$440	$30	$655	$35
3 – year Membership	$625	$80	$940	$95
5 – year Membership	$960	$215	$1,460	$265
Click here for the Regular Annual Plan Order Form

Here are the Short-Term Plan prices:
Travel Protection Plan Length	Individual	Family
8 Days’ Coverage	$99	$195
15 Days’ Coverage	$140	$249
21 Days’ Coverage	$180	$325
30 Days’ Coverage	$240	$385
Annual Membership	$270	$395
Click here for the Short-Term Plan Order Form

Here are the Short-Term Plan prices With a potential Senior Citizen discount:
Travel Protection Plan Length	Individual	Family
8 Days’ Coverage	$80	$155
15 Days’ Coverage	$115	$215
21 Days’ Coverage	$150	$265
30 Days’ Coverage	$190	$335
Annual Membership	$270	$395
Click here for the Short-Term Plan Order Form

How & Where Do I Get MedjetAssist?

You Can Easily Get MedjetAssist From TripInsuranceStore.com:

Safely, easily online from MedjetAssist Over the telephone: Call Deanna, Becky, Kim or Steve toll free at 1-888-407-3854 (US & Canada) or 507-214-3854. – We are available 7 days a week – You get to talk to a live person – We’re happy to answer all your questions – We can even complete your application over the phone – Everything you tell us is confidential

Go to MedjetAssist’s secure online order form. Or call us toll free at 1-888-407-3854 (US & Canada) to place your order over the telephone.

MedjetAssist Has Different Plan Options:

Short Plan Summary

Regular Plan MedjetAssist is your ticket home if you become ill or are injured. Annual memberships are available to residents of the U.S., Canada and Mexico. These memberships allow these residents to travel outside of their respective countries for up to 90 consecutive days.

Short-Term Plan You can get a short-term (8 – 30 days’ length) MedjetAssist program if you are up to age 74 & live in the U.S., Canada and Mexico.

MedjetAssist Plus Program In addition to the benefits of our regular membership, a PLUS membership adds: secure online storage and maintenance of personal medical information, up-to-the-minute trip intelligence, free international cell phone rental and up to $50,000 cash advance for medical emergencies. Add $119 per plan per year for the Plus plan

Expatriate Plan Memberships is available for U.S., Canada and Mexico residents living for extended periods in other countries. The fees are based on the amount of uninterrupted time spent outside the U.S., Canada and Mexico. Number of days out of U.S, Canada & Mexico Individual Family Level One (91 – 180 days) $430 $545 Level Two (181 – 270 days) $530 $730 Level Three (271 days – One year) $665 $985 Click here for the Expatriate Plan’s Secure Order Form Expatriate Plan with a potential Senior Citizen discount Memberships is available for U.S., Canada and Mexico residents living for extended periods in other countries. The fees are based on the amount of uninterrupted time spent outside the U.S., Canada and Mexico. Number of days out of U.S, Canada & Mexico Individual Family Level One (91 – 180 days) $355 $460 Level Two (181 – 270 days) $445 $620 Level Three (271 days – One year) $555 $835 Click here for the Expatriate Plan’s Secure Order Form

If you already know which MedjetAssist plan you want, click here to go to MedjetAssist’s secure online order form. Or call Deanna, Becky, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858 to place your order over the telephone.

MedjetAssist’s Membership Eligibility

• Must be under age 75 for basic membership.
• A family membership shall include the named primary member, his or her spouse and up to five of their unmarried dependent children (including step, foster or legally adopted children) under the age of 19 or up to age 23, if a full-time student in actual attendance at an accredited school or college and dependent on the primary member for support and maintenance. If a birth or legal adoption occurs during the year of a family membership, the new dependent is automatically covered upon notification. A dependent child, as used above, is one who lives regularly and permanently with the primary member in a parent-child relationship and is chiefly dependent upon the member for support.
• Membership enrollment and renewal are subject to approval by the MedjetAssist membership committee.
• Membership is valid only if the appropriate membership fee is collected.

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MedjetAssist’s Air Medical Transport Criteria

• You must be hospitalized as an inpatient more than 150 miles from your primary residence as listed on your enrollment application and continue to meet inpatient criteria at the receiving hospital.
• If you are medically discharged from the hospital or leave against medical advice and are physically able to travel under you own power, you will no longer be eligible for air medical transport benefits.
• Due to the limited medical facilities and testing available on cruise ships, in some cases the MedjetAssist Medical Director may require the member to be admitted to a hospital on-shore before scheduling air medical transportation to another hospital.
• All arrangements for medical evacuation and repatriation must be made by MedjetAssist. Because MedjetAssist is an assistance program and not an insurance plan, we will not reimburse members for expenses they incur on their own. Decisions regarding urgency of the case, the best timing and the most suitable means of transportation will be made by the MedjetAssist medical department after consulting with the local attending physician and the receiving physician.
• Evacuation flights will be performed if an inpatient hospitalization is required, and the remaining in-patient hospital stay can be completed at a hospital of the member’s choice near the member’s home, and the member is unable to return to his home hospital via commercial airline without medical escort. Aircraft used for the medical transport of MedjetAssist members are fully equipped intensive care aircraft staffed with specially trained medical teams. However, if the member’s condition permits, the member may be transported by scheduled commercial airline, while in the care of a MedjetAssist medical team. Air medical services are limited to two separate flights per membership per year, except for repatriation flights involving enrolled, multiple family members requiring simultaneous repatriation. Under these circumstances, each family member will receive one fully paid flight.
• Transport from home hospital to a specialty hospital more than 150 miles away is provided only in cases in which the appropriate medical specialty or equipment is not available at the member’s hometown hospital and the member cannot travel commercially without medical escort. (This benefit does not apply to short-term membership.)

More Information:

No Medical Necessity To Be Transported
MedjetAssist members are transported without regard to medical necessity. Members, as long as they are hospitalized as an inpatient more than 150 miles from their home, can choose to be transported to another hospital, even if the facility they are in is considered adequate. The member makes the decision to be transported.

Many health, travel insurance plans and platinum card benefits require that a transfer be medically required. In other words, as long as the care at a hospital is deemed adequate, transferring to another hospital is not an option.

You Can Go To The Hospital Of Your Choice
MedjetAssist flies individuals to their home hospital or hospital of their choice. Many plans generally restrict transports to the nearest hospital that provides “appropriate care.” This means individuals are taken to a hospital the shortest distance away that has adequate care, but not necessarily the best care.

MedjetAssist members, if hospitalized, do not have to worry about being transported to a nearby hospital in a foreign country that has only adequate medical care. Members choose if they want to fly home to their local hospital or hospital of their choice to receive the very best care and to be near their family.

There Are No Cost Limits
MedjetAssist has no limit on the cost of a medical transport. Many companies and insurance plans place caps – some as low as $25,000 – on the total amount available for an air ambulance. But a medical transport between Europe and America can run more than $35,000. Middle East and South American flights range from $60,000 to $80,000. Transport from Asia often exceeds $100,000.

You Have Domestic & Foreign Transport Coverage
MedjetAssist provides air medical transportation within the United States as well as abroad. If a MedjetAssist member becomes ill or injured and is hospitalized while traveling in the U.S. or abroad, MedjetAssist will take the member to their home hospital or the hospital of their choice.

In addition, if a MedjetAssist member is hospitalized in their hometown hospital and requires the services that only a specialty hospital (center of excellence) can provide, and the member is too ill or injured to fly commercially, MedjetAssist will fly that member to the specialty hospital, provided it is more than 150 miles from the member’s home hospital.

MedjetAssist Air Transport Restrictions and Exclusions

Yes, MedjetAssist does have Air Transport Exclusions & Restrictions. It’s a good idea to see what’s not covered

**EXCLUSIONS**:

Members will not be entitled to air medical transport benefits if their illnesses or injuries are the results of or are contributed to by the following:

• War, invasion or civil war;
• Suicide or attempted suicide or intentional self injury;
• A member’s own criminal or felonious act or sustained while the member is in a state of insanity;
• A member on an organ transplant list prior to enrollment will not be entitled to a transport for that transplant;
• A member who is hospitalized at the time of enrollment will not be eligible for transport benefits for that hospitalization and may not be accepted for membership entirely;

MedjetAssist reserves the right to change or amend these rules and regulations. MedjetAssist is solely responsible for the interpretation and application of the rules and regulations communicated in this publication. All determinations by MedjetAssist shall be final and conclusive in each case. Memberships are non-transferable and non-refundable. By enrolling as a member, you accept and agree to the terms and conditions of membership.

**RESTRICTIONS**:

• Both the originating and receiving hospitals must be reasonably accessible by ground ambulance to transport the member to and from an airfield capable of accommodating an authorized aircraft.
• Membership provides access to MedjetAssist authorized affiliates only.
• Due to the high risk of sending U.S. registered aircraft and personnel into countries where the U.S. State Department has issued travel restrictions, membership services are subject to exclusion in these areas.
• A member with tuberculosis or other chronic airborne pathogens may not be transported.
• A member with mild lesions, simple injuries such as sprains, simple fractures or mild illness which can be treated by local doctors and do not prevent the member from continuing his or her trip or returning home does not qualify for air medical transport.
• Air medical transport services will not be provided in cases where the member’s primary admitting diagnosis is an inpatient psychiatric disorder.
• A member traveling outside the United States for the sole purpose of seeking medical treatment, whether inpatient or outpatient, experimental or otherwise, will not be eligible for air medical transport benefits for that specific trip.
• A member traveling or living outside the United States or Canada for an uninterrupted period in excess of 90 days is not eligible for membership benefits under the standard plan. Extended Stay (Expatriate) packages are available upon request.
• Up to two (2) family members, business associates and/or traveling companions may accompany the patient, at no additional cost, on a MedjetAssist authorized aircraft during a transport, provided space is available and the patient care is not compromised. One family member or traveling companion may accompany patients being transported via scheduled commercial airline at no additional cost via economy class.
• Payment of membership fee entitles the member to the membership services as published at no additional cost to the member. This membership permits MedjetAssist to collect for services rendered directly from the member’s insurer or other provider, if available. If the members has no insurance coverage for the services rendered, the member is still entitled to all MedjetAssist benefits at no additional cost.
• While MedjetAssist makes every effort to accommodate its members, the patient and an accompanying passenger are limited to one small carry-on bag each due to limited space available on medical aircraft. MedjetAssist will arrange for additional luggage to be forwarded at the member’s expense.

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Click here to go to MedjetAssist’s secure online order form. Or call Deanna, Becky, Kim or Steve toll free at 1-888-407-3854 or 816-282-6858 to place your order over the telephone.

Here are the Medjet Horizon Details

Your health, your safety, your security — it’s all here with Medjet Horizon, the most comprehensive global rescue membership for travelers. When you leave home prepared for travel’s many possibilities, you’ll be able to see the world like never before.

What Does the Medjet Horizon Cost?

Upgrading your Classic Medjet membership to Horizon is:

• $149 additional per year for individual memberships
• $179 additional per year for family memberships

A Medjet Horizon membership includes all the air medical transport benefits of a Classic Medjet membership, plus medical, travel security and crisis response services.

Protect your health away from home.

Join Medjet Horizon to enjoy all the renowned air medical transport benefits of a Classic Medjet membership, plus these additional travel health and medical transportation services:

• Ground Ambulance Transfer
• Specialty Hospital Transport
• Cash Advance for Medical Emergencies

Leave more worries behind.

The safer you feel, the more you can focus on the moment, especially when you travel. That’s the beauty of Medjet Horizon. Our members can call our travel security network for help in a wide range of circumstances, including:

• Political Threat
• Disappearance
• Violent Crime
• Blackmail & Extortion
• Terrorism
• Wrongful Detention
• Hijacking
• Kidnap for Ransom
• Personal Travel Advisories

Crisis Response

No hard trigger necessary.

If you need us, you can call us. Unlike other global rescue and travel security membership programs, Medjet Horizon does not depend on hard triggers, like official government-issued evacuation mandates, to act on behalf of our members. Our international crisis responses network is tailored to your individual situation and may involve:

• Global Evacuation and Rescue
• Personal Security Detail
• Medical Assistance
• Legal Assistance
• Emergency Translation
• Emergency Communication to Family

Personal Travel Advisory

This is a great pre-trip planning tool allowing the Horizon member to create personalized travel advisories and access research to over 260 countries, cities and destinations. Government warnings, health and medical requirements, local laws and customs, and visa and passport requirements are available. Medjet Horizon’s personal travel advisory also provides eTravel Alerts for events that could affect travel plans or travel safety.

Best of all, once an itinerary is set, an email advisory may be created that will email additional travel alerts before and during travel.

Personal Travel Advisories Login for Horizon Members

Existing Horizon members can log into the eTravel Alert personal travel advisory portal by entering their Medjet Horizon membership number in the field below.

Travel Security and Crisis Response

There is a lot of excitement in traveling and exploring the vast, wonderful world. From experiencing different cultures to different landscapes, this world was meant to be experienced. But there’s also a lot of risk and concern with the countless things that can go wrong. You can’t always control what happens, but you can prepare for those situations if, and when they come. Our Horizon members receive top-notch travel security protection and access to our massive crisis response network. Travel security is the last thing you want to worry about when it comes to your vacation or trip. We’ve got you covered.

Medjet has partnered with FocusPoint International, providing their membership benefit of Crisis Assistance Plus™ (CAP) – a travel security and crisis assistance membership program – offering its travel security services to Medjet Horizon members. Subject to the CAP Rules & Regulations, Medjet Horizon Members enjoy on-demand access to a dedicated 24/7 Crisis Response Center and veteran global travel security experts, where they can receive advice and, if necessary, coordinated response services for the following event types:

• Political Threat
• Disappearance
• Violent Crime
• Blackmail & Extortion
• Terrorism
• Wrongful Detention
• Hijacking
• Kidnap for Ransom

About Crisis Assistance Plus™ (CAP): Crisis Assistance Plus™ (CAP) is a fully funded, security-centric travel assistance membership program. CAP™ provides crisis response assistance for a wide range of crises that directly impact or have the potential to impact a member during travel. When combined with the MedjetAssist member benefit of home-country hospital-of-choice medical transport, CAP™ provides a holistic travel risk management solution, giving your client ultimate peace of mind.

Cash Advance for Medical Emergencies

Many foreign hospitals require payment in full prior to treatment. The Horizon member has access to an emergency cash advance in the event of a medical emergency. Based on an approved repayment guarantee, Medjet will provide access for up to $50,000 to take care of any immediate medical needs.

Specialty Hospital Transfer

This exclusive Horizon service for travelers through age 74 goes above and beyond the benefits of the air medical transportation portion of a Medjet membership. Should a Horizon member require care only found at a specialty hospital more than 150 miles away from their home hospital, Medjet will arrange air medical transfer to that hospital at no additional cost.

Ground Ambulance Transfer

If a Medjet Horizon member is hospitalized less than 150 miles from their primary address, Medjet will arrange ground hospital transfer back to the member’s home hospital of choice within that 150-mile radius at no additional charge to the member. This medical transport service includes both advanced life support and critical care ground transfer services.

Don’t Get Left Behind. Become a Medjet Horizon Member Today.

Unprecedented Control in Times of Crisis.

Most global rescue membership programs require hard triggers to deploy assistance, but not Medjet Horizon. For example, if an emerging political threat makes you feel unsafe, but a government evacuation has not yet been issued, you can contact Medjet and explain your concern. Our team will assess your situation and develop an appropriate crisis response plan.

• No other membership program provides more comprehensive travel protection
• No other membership program gives you more control of your health, your safety and your sense of security
• Only Medjet Horizon provides a complete answer to travel protection

Click here to order the Medjet Horizon Upgrade

Canadians can get the HCCMIS Atlas plan, but due to a goofy rule, you cannot buy it if you are physically in Canada when ordering it. We are in the USA so we can order it for you. Or you can buy if if you are outside Canada



Get the Atlas America plan for your next trip

Click here for Atlas America’s secure online quote & order form

The HCCMIS Atlas plan includes:

• Acute Onset of Pre-existing Condition Coverage for persons under age 70 – See the details
• Natural Disasters coverage
• Expanded coverage for Incidental Trips Home – See the details
• You can add the Optional Hazardous Sports Rider for an additional 20% premium. This Rider adds coverage for the Amateur sports listed in exclusion #18 – See the details
• Includes coverage for Acts of Terrorism, Political Evacuation, and Complications of Pregnancy
• You can extend and/or renew your coverage for up to 36 months
• State of the art travel and emergency medical assistance services

Acute Onset of a Pre-Existing Condition: Acute Onset of a Pre-Existing Condition: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

What is a Pre-Existing Condition? – A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

 

Eligibility

Atlas America – Only non-US Citizens who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

Atlas International – Only US Citizens and non-US citizens whose travel does not include the US, except US citizens whose travel includes an Incidental Trip to the US, and who are at least 14 days of age are eligible for coverage under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $50,000 Overall Maximum. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum.

Home Country Coverage

Benefit Period – In the event a Member begins a Benefit Period while the Certificate is in effect, and the Certificate terminates because the Member returns to his/her Home Country, Underwriters will pay Eligible Medical Expenses, as defined herein, which are incurred in the Member’s Home Country during the Benefit Period. Home Country Coverage applies only to Eligible Medical Expenses.

End of Trip Home Country Coverage – In the event a Member is covered hereunder and is outside his or her Home Country continuously for six (6) months or more, the Member may purchase an additional 30 days of End of Trip Home Country Coverage. Home Country Coverage applies only to Eligible Medical Expenses.

Incidental Home Country Coverage – For each three (3) months during which a Member is covered hereunder, Medical Expenses only are covered during incidental trips totaling no more than 15 days duration per three-month period of coverage. Incidental visit time must be used within the three-month period earned, and the Member must continue his or her international trip in order to be eligible for this benefit. Return to the Member’s Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling.

The Atlas Travel Series also has an annual plan called the Atlas Professional if you need supplemental medical coverage while working in another country

 

Atlas’ Schedule Of Benefits And Limits

A brief description is below. For complete coverage, terms, conditions and exclusions, click here to to view or download the HCCMIS Atlas Travel Series Description of Coverage.

Click here for Atlas’ secure online quote & order form

Deductibles	$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period.
Coinsurance – Claims incurred in US or Canada	For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.
Coinsurance – Claims incurred outside US or Canada	For the Certificate Period, Underwriters will pay 100% of EligibleExpenses after the Deductible up to the Overall Maximum Limit.
Hospital Room and Board	Average Semi-private room rate, including nursing services.
Local Ambulance	Usual, Reasonable and Customary charges, when covered Illness or Injury results in hospitalization as Inpatient.
Intensive Care Unit	Usual, Reasonable and Customary charges.
Hospital Indemnity	$100 per day of Inpatient hospitalization (not subject to Deductible or Coinsurance)
Physical Therapy	$50 Maximum per visit
All Other Eligible Medical Expenses	Usual, Reasonable and Customary charges
Acute Onset of Pre-existing Condition	$15,000 Maximum for Eligible Medical Expenses $25,000 Maximum for Emergency Medical Evacuation Only available to Members under age 70
Emergency Dental (Acute Onset of Pain)	$100 limit per Certificate Period
Emergency Medical Evacuation	$500,000 Lifetime Maximum (except as provided under AcuteOnset of Pre-existing Condition)
Return of Minor Children	$5,000 per Certificate Period
Repatriation of Remains	Overall Maximum Limit
Emergency Reunion	$15,000 limit per Certificate Period (subject to a maximum of 15 days)
Natural Disaster	Maximum $100 a day for 5 days (not subject to Deductible or Coinsurance)
Trip Interruption	$5,000 limit per Certificate Period
Lost Checked Luggage	$250 limit per Certificate Period (not subject to Deductible or Coinsurance)
Political Evacuation	$10,000 Lifetime Maximum
Terrorism	$50,000 Maximum Lifetime Limit, Eligible Medical Expenses only.
Accidental Death and Dismemberment (excludes loss due to Common Carrier Accident)	Members age 18 and older Death – $25,000 Loss of 2 Limbs – $25,000 Loss of 1 Limb – $12,500 Benefits reduce 50% at age 70 and an additional 50% at age 75. Members under age 18 Death – $5,000 Loss of 2 Limbs – $5,000 Loss of 1 Limb – $2,500 $250,000 Maximum Benefit any one family
Common Carrier Accidental Death	Members age 18 and older $50,000 per Member Members under age 18 $25,000 per Member
Hospital Pre-certification Penalty	50% of Eligible Medical Expenses.
Optional Hazardous Sports Rider	Overall Maximum Limit
Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death)	Age 80 or older: $10,000. Age 70 to 79: $50,000. All others: $50,000, $100,000, $200,000, $500,000 or $1,000,000

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When Does Coverage Become Effective and When Does it End?

Your coverage becomes effective on the latest of: the moment we receive your Application and correct premium (if Application and payment is made online or by fax), 12:01am* on the date we receive your Application and payment (if Application and payment is made by mail), the moment you depart from your Home Country, or 12:01am on the date you request on your Application. Your coverage will end on the earliest of: 12:01am on the last day of the period for which you have paid a premium, 12:01am on the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage). *Times expressed above are based on US Eastern Standard Time.

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Pre-Trip Health and Safety Advisories Call us for current passport, visa, inoculation and vaccine requirements as well as for up-to-date travel safety advisories.

Does the Atlas Series Provide any Home Country Coverage?

Yes. Under certain circumstances, the Atlas Series will provide limited Home Country Coverage. Incidental Home Country Coverage – The Atlas Series will provide you 15 days of incidental coverage for trips to your Home Country for every 3 months of coverage purchased. Incidental visit time must be used within the three-month period earned, and you must continue your international trip in order to be eligible for this benefit, which covers Medical expenses only.Return to your Home Country must not be taken for the purpose of obtaining treatment of an Illness or Injury that began while traveling. Benefit Period Medical Coverage – A Benefit Period begins on the first date you receive a diagnosis or treatment of a covered Illness or Injury while outside your Home Country and lasts for 180 days. If you started a Benefit Period while this insurance was in effect, you are covered only for Medical expenses for the duration of the Benefit Period, regardless of whether you are at home or abroad. End of Trip Home Country Medical Coverage – If you are covered under the Atlas Series and outside of your Home Country continuously (except for covered Incidental Trips as described above) for six (6) months or more you may purchase an additional 30 days of End of Trip Home Country Medical Coverage. Home Country Defined – If you are a US citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a US citizen, your Home Country is the country where you principally reside and receive regular mail.

Which Plan Should I Purchase?

US citizens, as well as non-US citizens traveling outside of the US, should purchase Atlas International, which provides coverage outside of the US. Non-US citizens traveling to the United States should purchase Atlas America.

What is Covered?

All benefits, except Hospital Indemnity, Lost Checked Luggage, Natural Disaster, Accidental Death & Dismemberment and Common Carrier Accidental Death, are subject to the Deductible and Coinsurance. Limits apply to all benefits (See Schedule of Benefits and Limits):Medical: Inpatient and Outpatient charges made by a Hospital Charges made by a Physician, surgeon, radiologist, anesthesiologist, and any other medical specialist to whom the Physician has referred the case Charges made for dressings, sutures, casts or other supplies prescribed by the attending Physician or specialist, but excluding nebulizers, oxygen tanks, diabetic supplies and all devices for repeat use at home Charges for diagnostic testing using radiology, ultrasonographic or laboratory services Charges for oxygen and other gases and anesthetics and their administration Charges for prescription drugs for treatment of a covered Injury or Illness, but not for the replacement of lost, stolen, damaged, expired or otherwise compromised drugs Charges made by a licensed Extended Care Facility upon direct transfer from an acute care Hospital Emergency local ambulance transport incurred in connection with Injury or Illness resulting in inpatient hospitalization

Let us help you when you need help most: Medical Referrals Assistance with Prescription Drug Replacement Dispatch of a Doctor or Specialist Up-to-the-minute travel medical advisories

Complications of Pregnancy: Treatment of Complications of Pregnancy during the first 26 weeks of Pregnancy is covered under this insurance. Complications of Pregnancy is defined as: Illnesses whose diagnoses are distinct from Pregnancy, but are adversely affected by Pregnancy or caused by Pregnancy, and not associated with a normal Pregnancy. This includes: ectopic Pregnancy, spontaneous abortion, hyperemesis gravidarum, pre-eclampsia, eclampsia, missed abortion and conditions of comparable severity. Hospital Indemnity: If you are hospitalized as an Inpatient for treatment of a covered Illness or Injury, the Atlas Series will provide $100 for each night you spend in the hospital. This benefit is in addition to payments for other covered expenses and is not subject to Deductible or Coinsurance. Acute Onset of a Pre-Existing Condition: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 Maximum for Eligible Medical Expenses and up to $25,000 for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Emergency Dental: The following Emergency Dental expenses are covered: Emergency Dental treatment and Dental surgery necessary to restore or replace sound natural teeth lost or damaged in an Accident that is covered under this insurance subject to the Overall Maximum Limit; and Emergency Dental Treatment necessary to resolve acute, spontaneous and unexpected onset of pain subject to a maximum benefit of $100. Political Evacuation: If the United States government issues a travel warning that becomes effective after your arrival in your destination country, the plan will provide for transportation to the nearest place of safety or for return to your Home Country. You must contact HCCMIS within 10 days of the date the travel warning is issued and the evacuation must be approved in advance and coordinated by HCCMIS. Emergency Medical Evacuation: If recommended by your attending Physician, who certifies that Evacuation is necessary to safeguard your life and that Medically Necessary treatment is not available locally, and if approved in advance and coordinated by HCCMIS, the Atlas Series will provide the following benefits: Emergency air and/or ground transportation to the nearest Hospital that is qualified to provide the Medically Necessary treatment.

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Emergency Message Relay We will relay messages to your family, friends and co-workers, helping you to maintain contact during an emergency.

Emergency Reunion:In the event of a covered Emergency Medical Evacuation, the Atlas Series will provide the following benefits: The cost of an economy round-trip air and/or ground transportation ticket for one of your Relatives (parent, spouse, sibling or child age 18 or older) for travel to the area where you are hospitalized following Emergency Medical Evacuation and reasonable expenses for lodging and meals for your relative, for a period not to exceed 15 days. Return of Minor Children: If you are the only person age 18 or older, traveling with one or more children under the age of 18, who are also covered by the Atlas Series, and you are Hospitalized for treatment of a covered Illness or Injury resulting in the children being left unattended for a period of time expected to exceed 36 hours, the Atlas Series will provide the following benefit: The cost of a one-way economy air and/or ground transportation ticket for each covered child to the terminal serving the area of Principal Residence of each covered child.

Emergency Travel Arrangements When family members need to join you in an emergency, we can make the arrangements for you

Terrorism The Atlas Series provides Medical coverage for Injuries and Illnesses resulting from an Act of Terrorism, subject to a $50,000 lifetime maximum, provided all of the following conditions are met: The Injury or Illness does not result from chemical, nuclear or biological weapons or events. You have no direct or indirect involvement in the Act of Terrorism. The Act of Terrorism is not in a country or location where the United States government has issued a travel warning that has been in effect within the 6 months prior to your date of arrival. You have not unreasonably failed or refused to depart a country or location following the date a warning to leave that country or location is issued by the United States government. An Act of Terrorism is defined as: an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. For additional benefits covering Acts of Terrorism, including high limit AD&D and Permanent Total Disability coverage, review the MultiNational Accident Plan (MAP). Contact your representative for additional information about this exciting new product offered by HCCMIS Accidental Death and Dismemberment: In the event of your Accidental Death (except while traveling on a common carrier) or Dismemberment resulting from a covered Injury, the Atlas Series will provide the following benefit: Accidental Death – Principal Sum to the Beneficiary designated on your Application Loss of 2 eyes or 2 or more limbs – Principal Sum to you Loss of 1 eye or 1 limb – One-half of the Principal Sum to you Age Principal Sum 14 days to 17 years $5,000 18 to 69 $25,000 70 to 74 $12,500 75+ $6,250 The Accidental Death and Dismemberment benefit is not available for losses incurred during participation in a Hazardous Sport or in respect to losses resulting from an Act of Terrorism. Common Carrier Accidental Death: In the event of your Accidental Death while traveling on board a commercial common carrier, the Atlas Series will provide the following benefit: Principal Sum of $50,000 ($25,000 for children under age 18), subject to a maximum of $250,000 per family, to the Beneficiary designated on your Application. This benefit is not available in respect to losses resulting from an Act of Terrorism. Repatriation of Remains: In the event of a covered Injury or Illness resulting in your death, the Atlas Series will provide the following benefit: Air and/or ground transportation of bodily remains or ashes to the area of your Principal Residence, and reasonable costs of preparation of your remains necessary for transportation. Natural Disaster: In the event of natural disaster (hurricane, flood, tornado, tsunami, etc) the Atlas Series will provide you up to $100 a day for 5 days if you are Displaced from planned, paid accommodations due to evacuation from forecasted disaster or following a disaster strike. Displaced is defined as required to depart the destination due to an evacuation ordered by prevailing authorities. Proof of paid accommodations must be submitted at time of claim.

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Emergency Cash Transfers We will assist you in arranging and obtaining cash transfers. Lost Passport or Travel Documents Assistance Losing important documents is extremely troublesome. We can help you notify the appropriate authorities for assistance with replacement of documents.

Trip Interruption: If, after you have departed, you learn of the death of a parent, spouse, sibling or child, or you learn of the substantial destruction of your Principal Residence by fire or weather, the Atlas Series will provide the following benefit: The cost of an economy, one way air and/or ground transportation ticket for your travel to the area of your Principal Residence; or If, following a covered Emergency Medical Evacuation, the attending Physician states that it is Medically Necessary for your return to your Home Country or to the area from which you were initially evacuated for continuing treatment, recuperation and recovery, the Atlas Series will provide the following benefit: The cost of an economy, one-way air and/or ground transportation ticket for your travel from the area where you were hospitalized following the Emergency Medical Evacuation to the area where you were initially evacuated from, or to the terminal serving the area of your Principal Residence.

LiveTravel Services® We will make emergency travel and itinerary changes for you including rebooking flights, hotel reservations and ground transportation arrangements.

Lost Checked Luggage: In the event your checked luggage is permanently lost by the transportation provider, the Atlas Series will provide the following benefit: Up to $250 for replacement of clothes and personal hygiene items, not to exceed $50 for any one item. You must file a formal claim with the transportation provider and submit copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost checked luggage.

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BagTrak® We are one of the industry leaders in tracking lost, checked baggage. We will help track lost checked baggage and deliver it to you.

Travel Assistance Travel Assistance Services are available to you 24 hours a day, 7 days a week while your Atlas plan is in effect. In addition to the services already described, the following services are included: Embassy and consulate referrals Legal and accounting referrals Bail bond assistance Translation and interpretation assistance Atlas Travel Assistance Services are not insurance benefits.Any Assistance Service provided is not a guarantee of any other benefit under the Atlas Series.

Schedule of Benefits and Limits

Deductibles: $0, $100, $250, $500, $1,000 or $2,500 per Certificate Period Coinsurance – Claims incurred in US or Canada: For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider Coinsurance – Claims incurred outside US or Canada: For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit Hospital Room and Board: Average Semi-private room rate, including nursing services Local Ambulance: Usual, Reasonable and Customary charges Hospital Indemnity: $100 per day (not subject to Deductible or Coinsurance) Intensive Care Unit: Usual, Reasonable and Customary charges Outpatient Treatment: Usual, Reasonable and Customary charges Acute Onset of Pre-existing Condition: $15,000 limit per Certificate Period for Eligible Medical Expenses $25,000 limit per Certificate Period for Emergency Medical Evacuation (Only available to Members under age 70) Physical Therapy: $50 Maximum per visit All Other Eligible Medical Expenses: Usual, Reasonable and Customary charges Emergency Dental: Accident – Overall Maximum Limit Acute Onset of Pain – $100 limit per Certificate Period Emergency Medical Evacuation: $500,000 Maximum Lifetime Limit Emergency Reunion: $15,000 limit per Certificate Period Return of Minor Children: $5,000 limit per Certificate Period Political Evacuation: $10,000 Maximum Lifetime Limit Terrorism: $50,000 Maximum Lifetime Limit, Eligible Medical Expenses only Accidental Death and Dismemberment: Principal Sum $25,000 Adults age 18-69 $12,500 Adults age 70-74 $6,250 Adults age 75 and above $5,000 Children age 17 and below Common Carrier Accidental Death: $50,000 per adult, $25,000 children under age 18; $250,000 Maximum per family Repatriation of Remains: Overall Maximum Limit Natural Disaster Benefit: Maximum $100 a day for 5 days Trip Interruption: $5,000 limit per Certificate Period Lost Checked Luggage: $250 limit per Certificate Period (not subject to Deductible or Coinsurance) Hospital Pre-certification Penalty: 50% of Eligible Medical Expenses Optional Hazardous Sports Rider: Overall Maximum Limit Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death): Age 14 days to 69 – $50,000, $100,000, $250,000, $500,000 or $1,000,000; Age 70 to 79 – $50,000; Age 80 or older – $10,000

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What Is Excluded?

The following charges, treatments, surgeries, medications, conditions and circumstances are excluded: Pre-existing Conditions – Charges resulting directly or indirectly from any Pre-existing Condition are excluded from this insurance. If you are under age 70, you are covered for Medical and Emergency Evacuation charges resulting from an Acute Onset of a Pre-existing Condition, up to the limit set forth in the Schedule of Benefits and Limits. A Pre-existing Condition is any Illness, Injury or medical condition or chronic or recurring Illness or Injury or medical condition, including any associated complications or consequences, which existed at or during the 2 years immediately preceding your Effective Date. An Acute Onset is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition, that occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence Treatment for or related to any congenital condition Routine pre-natal care, childbirth, care of newborns, post-natal care, birth control, artificial insemination, infertility, impotency or sexual dysfunction, sterilization or reversal thereof False labor, edema, prolonged labor, prescribed rest during the period of Pregnancy, morning sickness and conditions of comparable severity associated with management of a difficult Pregnancy, and not constituting a medically distinct Complication of Pregnancy, and all charges related to Pregnancy after the 26th week of Pregnancy Mental Health Disorders or Substance Abuse Charges which are not Incurred during the Certificate Period or the applicable Benefit Period, and charges which are not presented to Underwriters for payment within 60 days from the end of the Certificate Period or the applicable Benefit Period Charges for use of Emergency Room within the US for treatment of Illness unless the patient is directly admitted to the Hospital as Inpatient for further treatment of that Illness Not Medically Necessary and administered or ordered by a Physician Provided at no cost, by a family member, or by a person who ordinarily resides with you, or which are attributable to or recoverable from any other party including government-sponsored plans Charges which exceed Usual, Reasonable and Customary Investigational, Experimental or for Research Purposes While confined primarily to receive Custodial Care, Educational or Rehabilitative care Venereal Disease, and treatment of individuals who are HIV+ or have AIDS or ARC Treatment by a Chiropractor Diseases of the skin Dental treatment, including treatment of the temporomandibular joint, except for Emergency Dental Treatment necessary to replace sound natural teeth lost or damaged in an Accident covered hereunder or for the relief of acute, spontaneous and unexpected onset of pain Eyeglasses, vision exams, contact lenses, hearing tests, hearing aids, hearing implants, eye refraction, visual therapy, orthoptics or visual eye training or eye surgery (including cataract surgery and radial keratotomy) or for any examination or fitting related to these devices or procedures Injury resulting from participation in the following activities: Amateur Athletics, Contact Sports, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded except the following which are excluded: Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. Aviation, except when traveling solely as a passenger in a commercial aircraft. Hang gliding, sky diving, parachuting or bungee jumping; Snow skiing or snowboarding, except for recreational downhill and/or cross-country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); Racing by any animal or motorized vehicle; and spelunking; and subaqua pursuits involving underwater breathing apparatus unless NAUI/PADI certified, accompanied by a certified instructor, and at depths of less than 10 meters; jet skiing; and any other sport or athletic activity which is undertaken for thrill seeking and exposes you to abnormal or extreme risk of injury Injury sustained while under the influence of or due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with treatment prescribed and directed by a Physician but not for the treatment of Substance Abuse Willfully self-inflicted Injury or Illness and immunizations and Routine Physical Exams The Deductible, Coinsurance and charges which are not included as Eligible Expenses as described in the Master Policy, and charges which exceed the limits set forth in the Schedule of Benefits and Limits Treatment required as a result of complications or consequences of a treatment or condition not covered hereunder Charges for travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical or Political Evacuation, Repatriation of Remains, Emergency Reunion, Natural Disaster and Trip Interruption sections of this insurance Treatment incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s) Organ or tissue transplants or related services Acts of Terrorism, except as provided for herein, war, insurrection, riot or any variation thereof This is a summary of exclusions. For more details, or for a complete copy of the Master Policy, contact HCC Medical Insurance Services

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What if I Plan to Participate in a Sport or Athletic Activity that is Excluded?

The Optional Hazardous Sports Rider is available for the adventurous traveler for an additional 20% premium. This Optional Hazardous Sports Rider adds coverage for the Amateur sports listed in exclusion #18. The maximum coverage under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during the course of the activity.

What are the Pre-certification Requirements?

Hospitalizations, Surgeries, Emergency and Political Evacuations, Emergency Reunions, Trip Interruptions, Repatriation of Remains, Computerized Tomography (CAT Scan) and Magnetic Resonance Imaging (MRI) must be Pre-certified. Simply call, or have your Physician call, HCCMIS with the information relative to your claim. You may also pre-certify by submitting details through Client Zone. Be sure to have your ID number available. If you do not Pre-certify, medical expenses will be reduced by 50% and all other expenses will be forfeited.

How is Pre-certification handled in the case of an emergency or natural disaster?

You, a family member, your Physician or anyone else has up to 48 hours after the event, or as soon as possible, if there’s no ability to contact HCCMIS (ie: natural disaster) about what happened.

Who is the Plan Administrator?

HCC Medical Insurance Services (HCCMIS), headquartered in Indianapolis, Indiana, is a full service organization offering a comprehensive portfolio of insurance products designed specifically to address the insurance needs of consumers worldwide. Our international claims specialists, medical professionals and service representatives are available 24 hours a day, 7 days a week to answer your questions and respond to your needs. Whether you have lost your luggage or are in need of Emergency Medical Evacuation, you will find our service team to be prompt, compassionate, and highly professional. HCCMIS is a subsidiary of HCC Insurance Holdings, Inc. (HCC), which is a leading international specialty insurance group headquartered in Houston, Texas.HCC has assets of more than $8.6 billion, shareholders? equity in excess of $2.7 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company.

Who is the Insurer?

The Atlas Series is insured by Syndicate 4141 at Lloyd’s, London. Lloyd’s is the largest and oldest insurance market in the world and is rated ‘A’ (Excellent) by A.M. Best Company and ‘A+’ (Strong) by Standard & Poor’s. Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Lloyd’s is recognized as a market leader in the accident and health insurance arena and is well known for its innovative products and services. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.

How do I Extend or Renew my Coverage?

After your initial purchase, you may extend your coverage (5 day minimum) up to a maximum of 12 months from the initial effective date. Provided there is no break in coverage, you will not be required to re-satisfy the Deductible and Coinsurance nor will benefit limits be reset. If you are covered under Atlas International, after 12 months of continuous coverage you may renew your coverage for up to 12 additional months.If 24 months of continuous coverage is maintained, a final period of up to 12 months may be purchased.Deductible and Coinsurance must be re-satisfied as of each renewal date. After 36 months of continuous coverage under Atlas International, or 12 months of continuous coverage under Atlas America, or any break in coverage, a new plan must be purchased.A new Application is required and you must re-satisfy your Deductible, Coinsurance and Pre-existing Condition provisions. Extensions or renewals must be made online with payment by credit card.For additional information on extending or renewing your plan, please visit Client Zone.

Can Coverage Be Cancelled?

If for any reason you wish to cancel your policy, you must submit your cancellation request in writing to HCCMIS in order to receive a refund of premium.To be eligible for a full refund, the request for cancellation must be received prior to your effective date.Cancellation requests received after the effective date will be subject to the following conditions: a $25 cancellation fee will apply; and only the unused portion of the plan cost will be refunded; and only members who have no claims are eligible for premium refund.

HCCMIS’s Client Zone and World Service Center

Whether you have misplaced your ID card or benefit booklet, need assistance with a claim, or have a question about benefits, HCCMIS is ready to respond.Frequently, these and other issues can be addressed with a short visit to Client Zone. Client Zone is an online account management and resource tool that allows you to: Change personal information Renew coverage and reprint ID cards Obtain details about claim filing, including downloading necessary forms Pre-certify for certain medical procedures and hospitalizations Locate providers within the PPO Network Study destination, weather and travel security information using our Travel Intelligence and Planning System (TIPS) Access health and wellness information View and download brochures, obtain policy information, or get quotes for other products offered by HCCMIS You may access Client Zone by logging in at https://zone.hccmis.com/clientzone/. Click here for Atlas’ secure online quote & order form