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

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.

  
*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) Afghanistan, 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), 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)