Emergency Medical

How Emergency Medical Works

You may need to seek medical attention if you become sick or injured while on your trip. Travel insurance pays benefits for the covered expenses up to your plan’s benefit limit. TravelSafe will cover up to $100,000 in medical expenses. This is dependent upon which plan you purchase, so be sure to read your policy.

Exclusions

It is especially important to read your plan documents. Read the exclusions to understand what will disqualify travelers from Emergency Medical benefits.

Pre-Existing Conditions

If you have pre-existing conditions and are looking for coverage, it is important to know how the waiver works. It’s a time-sensitive benefit, so purchasing your plan early on is important.

Here’s how the Pre-Existing Conditions Exclusion Waiver works:

• Available in the Classic and Classic Plus plan only.
• You have to purchase the plan within 21 days of your initial trip deposit.
• You have to be able to travel at the time you purchase the plan.

When Emergency Medical Pays

Reimbursements

You may see the doctor and pay out of pocket. Keep those receipts, because TravelSafe will reimburse you for any qualifying doctor’s visits while traveling.

Promise to Pay

There are hospitals abroad that require payment prior to treatment. Advance payment will be made to a hospital if needed to secure your admission.

Here’s how:

• The injury or sickness must be a covered in your policy.
• The advance payment will be up to the maximum benefit amount in your policy.

What’s Covered Under Emergency Medical

Medical Services, Prescriptions, and Therapeutic Services

While on your trip, you may need medical care. That may require a prescription or even things like physical therapy. As long as the doctor is a legally qualify physician and the treatment is medically necessary, these services may be covered while on your trip.

Hospital or Ambulatory Medical-Surgical Center Services

Suffering an injury while traveling can really put a damper on your trip. That’s especially true when you still have to make your way home. These coverages can come in handy when you need these substitutions for recovery on a cruise ship cabin or hotel room.

Transportation by Professional Ambulance to/from Hospital

If you need transportation to or from a hospital while on your trip due to your injury or sickness, it is considered a covered expense in certain TravelSafe plans.