Eligibility:

Coverage is NOT available for travel in Afghanistan, Cuba, Iran, Israel, Nepal, or Palestinian Territories.

Coverage is NOT available for residents of Australia and Iran, or residents of New York, Maryland and South Dakota.

The total amount that the insurance will pay for covered Medical Expenses

The Deductible is the amount of covered Medical Expenses which is your responsibility per person to pay before benefits under this policy are payable.

Accidental Death & Dismemberment (AD&D) is a form of Life Insurance. The amount indicated above is the maximum benefit per insured and is payable if within 365 days after the date of a covered accident the insured person’s injury results in accidental death or dismemberment.

Please Select ALAND ISLANDS ALBANIA ALGERIA AMERICAN SAMOA ANDORRA ANGOLA ANGUILLA Antarctica ANTIGUA AND BARBUDA ARGENTINA ARMENIA ARUBA AUSTRALIA AUSTRIA AZERBAIJAN BAHAMAS, THE BAHRAIN BANGLADESH BARBADOS BELARUS BELGIUM BELIZE BENIN BERMUDA BHUTAN BOLIVIA BONAIRE BOSNIA AND HERZEGOVINA BOTSWANA BOUVET ISLAND BRAZIL BRITISH ANTARCTIC TERRITORY BRITISH INDIAN OCEAN TERRITORY BRITISH VIRGIN ISLANDS BRUNEI DARUSSALAM BULGARIA BURKINA FASO BURUNDI CAMBODIA CAMEROON CANADA CAPE VERDE CAYMAN ISLANDS CENTRAL AFRICAN REPUBLIC CHAD CHILE CHINA, PEOPLE'S REPUBLIC OF CHRISTMAS ISLAND COCOS (KEELING) ISLANDS COLOMBIA COMOROS CONGO CONGO, DEMOCRATIC REPUBLIC OF THE COOK ISLANDS COSTA RICA COTE D'IVOIRE CROATIA CURACAO CYPRUS CZECH REPUBLIC DENMARK DJIBOUTI DOMINICA DOMINICAN REPUBLIC EAST TIMOR ECUADOR EGYPT EL SALVADOR EQUATORIAL GUINEA ERITREA ESTONIA ETHIOPIA FALKLAND ISLANDS (ISLAS MALVINAS) FAROE ISLANDS FIJI FINLAND FRANCE FRENCH GUIANA FRENCH POLYNESIA FRENCH SOUTHERN TERRITORIES GABON GAMBIA, THE GEORGIA GERMANY GHANA GIBRALTAR GREECE GREENLAND GRENADA GUADELOUPE GUAM GUATEMALA GUERNSEY GUINEA GUINEA-BISSAU GUYANA HAITI HEARD ISLAND AND MCDONALD ISLANDS HOLY SEE (VATICAN CITY STATE) HONDURAS HONG KONG HUNGARY ICELAND INDIA INDIA - JAMMU INDIA - KASHMIR INDIA - MUMBAI INDONESIA IRAQ IRELAND ISLE OF MAN ITALY JAMAICA JAPAN JERSEY JORDAN KAZAKHSTAN KENYA KIRIBATI KOSOVO KUWAIT KYRGYZSTAN LAOS LATVIA LEBANON LESOTHO LIBERIA LIBYA LIECHTENSTEIN LITHUANIA LUXEMBOURG MACAU MACEDONIA MADAGASCAR MALAWI MALAYSIA MALDIVES MALI MALTA MARSHALL ISLANDS MARTINIQUE MAURITANIA MAURITIUS MAYOTTE MEXICO MICRONESIA MOLDOVA MONACO MONGOLIA MONTENEGRO MONTSERRAT MOROCCO MOZAMBIQUE MYANMAR NAMIBIA NAURU NETHERLANDS NETHERLANDS ANTILLES NEW CALEDONIA NEW ZEALAND NICARAGUA NIGER NIGERIA NIUE NORFOLK ISLAND NORTH KOREA NORTHERN MARIANA ISLANDS NORWAY OMAN PAKISTAN PALAU PANAMA PAPUA NEW GUINEA PARAGUAY PERU PHILIPPINES PITCAIRN POLAND PORTUGAL PUERTO RICO QATAR REUNION ROMANIA RUSSIA RWANDA SAINT BARTHELEMY SAINT HELENA SAINT HELENA (ASCENSION) SAINT HELENA (TRISTAN DA CUNHA) SAINT KITTS AND NEVIS SAINT LUCIA SAINT MARTIN SAINT PIERRE AND MIQUELON SAINT VINCENT AND THE GRENADINES SAMOA SAN MARINO SAO TOME AND PRINCIPE SAUDI ARABIA SCOTLAND SENEGAL SERBIA SEYCHELLES SIERRA LEONE SINGAPORE SINT MAARTEN SLOVAKIA SLOVENIA SOLOMON ISLANDS SOMALIA SOUTH AFRICA SOUTH GEORGIA & SOUTH SANDWICH ISLANDS SOUTH KOREA SOUTH SUDAN SPAIN SRI LANKA SUDAN SURINAME SVALBARD AND JAN MAYEN SWAZILAND SWEDEN SWITZERLAND SYRIA TAIWAN TAJIKISTAN TANZANIA THAILAND TIMOR-LESTE (EAST TIMOR) TOGO TOKELAU TONGA TRINIDAD AND TOBAGO TUNISIA TURKEY TURKMENISTAN TURKS AND CAICOS ISLANDS TUVALU U.S. MINOR OUTLYING ISLANDS U.S. VIRGIN ISLANDS UGANDA UKRAINE UNITED ARAB EMIRATES UNITED KINGDOM URUGUAY UZBEKISTAN VANUATU VATICAN CITY STATE (HOLY SEE) VENEZUELA VIETNAM WALLIS AND FUTUNA WESTERN SAHARA YEMEN ZAMBIA ZIMBABWE   
*Destination cannot be the same as Home Country*  

By purchasing War Risk Coverage the policy is amended as follows: any Exclusion under this Plan for “declared or undeclared war or any act thereof” are waived for an Insured Person’s loss(es) caused in whole or in part by, or resulting in whole or in part from, declared or undeclared war or any act thereof. This coverage does not provide coverage in the US or in your home country (refer to Description of Coverage for precise wording).

Medical Maximum coverage options available: $50,000; $100,000; $250,000; $500,000. If over 70 years of age, age restrictions apply to the Medical Maximum available.
If travel includes War Risk Area 1 Countries (Restricted Destinations), War Risk Coverage MUST be purchased for any/all coverages to be in effect under this policy.

War Risk Area 1 (High War Risk - coverage is mandatory – covers your travels to countries in War Risk Areas 1, 2, and 3) Algeria, Cameroon, Iraq, Israel, Libya, Nigeria, North Korea, Pakistan, Palestinian Territories, Russian Federation (North Caucasus Region Of Russia), Saudi Arabia, Somalia, Syria, Ukraine and Yemen

War Risk Area 2 (Medium War Risk – coverage is highly recommended - covers your travels to countries in War Risk Areas 2 and 3) Armenia, Azerbaijan, Bahrain, Bangladesh, Bolivia, Burma, Burundi, Central African Republic, Chad, Colombia, Congo, Democratic Republic Of The, East Timor, Egypt, Eritrea, Haiti, India - Jammu, India - Kashmir, India - Mumbai, Indonesia, Ivory Coast, Kenya, Kyrgyzstan, Lebanon, Liberia, Mali, Mauritania, Mexico, Nepal, Niger, Oman, Papua New Guinea, Philippines, Qatar, Sierra Leone, South Sudan, Sri Lanka, Sudan, Uzbekistan, Venezuela and Zimbabwe

War Risk Area 3 (Low War Risk – recommended - covers your travels to countries in War Risk Area 3) All other Countries not listed in Area 1 or Area 2 Locations.

Provides coverage if Your Injury or Illness results from policy offered Athletic Sports & Hazardous Activities.

Provides limited coverage under Your Medical Expense Benefit while in Your Home Country. The plan pays 80% up to $5,000 of Covered Expenses, then 100% to a maximum of 1) $50,000 for Incidental Trip(s) to your Home Country or 2) $10,000 for Extension of Benefits (Follow Me Home Coverage)