"Worldwide" coverage of travel accident insurance plan
Here Some Option to renew the travel accident insurance plan policy indefinitely
High lifetime policy maximum benefits (up to US$5 million)
Choice of deductible (also known as "excess")
Comprehensive coverage such as organ transplants, major surgery,
Optional Riders (for additional premium) such as life insurance, upgraded AD&D, and daily indemnity for hospitalization
Coverage for routine healthcare/wellness, prescription drugs, alternative medicines, mental/nervous care
Coverage for maternity, newborns, and child wellness
Limited coverage for pre-existing conditions
Some International Major Medical insurance plans will cover you in the United States and Canada as well as the rest of the world. Some plans exclude coverage in the United States and Canada. For some plans your country of citizenship determines eligibility for coverage in a certain country. For other plans the country where your primary residence is determines eligibility.
Some plans exclude pre-existing conditions until you have been insured with the plan for a certain period of time. Some travel accident insurance plans cover pre-existing conditions if you are currently insured by a US health plan that provides "creditable coverage" or you have been continuously covered by comparable health insurance. Some plans exclude pre-existing conditions regardless. Some plans cover routine healthcare, also known as "wellness" benefits, and some plans offer vision and dental benefits.
International Life Insurance is usually sold as one-year renewable term life insurance that pays the beneficiary a lump sum upon the death of the insured during the period of coverage (12 months). Five, 10, and even 20 year international term life insurance may also be available in limited circumstances. International Life Insurance plans typically feature a simplified application process requiring the completion of a a detailed medical questionnaire but not requiring a blood test or physical exam. However, benefits are not payable if death is due to a pre-existing condition that manifested within prior five years. Death due to War and Terrorism is usually excluded but an Optional War & Terrorism Rider is often available for additional premium. In most cases coverage is available regardless of the insured's nationality and country of residence. US citizens residing in the US or Canada and citizens of Canada residing in the US or Canada are not eligible.
Key features of International Life Insurance are:
Worldwide coverage (rates are higher for high risk countries)
Option to renew the policy annually through age 64
High Maximum Benefits - up to US$1,000,000 or higher.
International travel Accident Insurance (also known as Accidental Death and Dismemberment or AD&D) is annually renewable insurance that pays a lump sum benefit to the insured's beneficiary in the event of the insured's death or loss of a body part or function due to accident (as opposed to sickness). AD&D is typically less expensive than life insurance and may be purchased in addition to a life insurance policy to substantially increase the benefit payable to the beneficiary if the insured dies as a result of an accident. An Accidental Permanent Total Disability (APTD) benefit may be available for additional premium. Death due to War or Terrorism is usually excluded but an Optional War & Terrorism Rider is often available for additional premium. Coverage for travel to war zones is available for journalists, contractors, and relief workers. Where travel to high risk countries and/or participation in extreme sports or hazardous activities is contemplated, premiums will be adjusted accordingly. In most cases coverage is available regardless of the insured's nationality and country of residence. US citizens residing in the US or Canada and citizens of Canada residing in the US or Canada are not eligible.
Key features of International Accident Insurance are:
Worldwide coverage (rates are higher for high risk countries)
Option to renew the policy annually through age 64
High Maximum Benefits - up to US$1,000,000 or higher.
