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International Major Medical Plan from Petersen International Underwriters

Need for coverage

Domestic Major Medical policies provide a very limited amount of coverage while you are travelling outside the USA. Most Domestic policies define the international coverage as “emergency only” or “life threatening” coverage for conditions while you are outside the USA. This means that many conditions are not covered under your base plan while you are outside the USA. For instance if you were to have a broken bone, influenza, food poisoning, urinary tract infection, or other common accidents or sicknesses chances are that your domestic policy will not cover you. If you were to purchase an International Major Medical the conditions listed above will be covered unless they are determined to be a pre-existing condition.

Description of Available Benefits

The insurance being described is a temporary major medical insurance plan. Eligible expenses caused by an illness or injury and incurred from any doctor or any hospital within a specified geographical area will be reimbursed to you. Benefits may be assignable directly to the providers once a claim has been reviewed and completed.

Eligible Expenses

• Hospital Expenses: All medically necessary expenses while hospitalized.
• Physician Services: All medically necessary expenses for treatment.
• Skilled Nursing Facilities: All medically necessary expenses if confinement begins following a medically necessary hospital confinement of 3 days or longer.
• Home Health Care: All medically necessary expenses if hospitalization would have been required if Home Health Care was not provided and the care is provided in accordance with a written plan established, approved and followed by a physician.
• Ambulance Services Expenses: To and from a hospital within 100 miles in the same geographic area.
• Prescription Drugs: Outpatient prescription medications covered up to a maximum of $500.
• Repatriation of Remains: In the event of death, Underwriters will reimburse the cost of delivery of your remains to a mortuary nearest your home up to $100,000.
• Common Accident Provision: In the event that you and any additional insured family members suffer injuries from the same accident, only one deductible and coinsurance shall be applied.
• Global Medical Transportation: All medically necessary expenses for stabilization and transportation to the facility nearest your home, which can provide the appropriate care up to $100,000.
• Lost Luggage: In the event that your checked on luggage is completely and totally lost, Underwriters shall reimburse you to a maximum of $500, excess of any and all other valid and collectible coverages.
• Emergency Return Home: If, after you have departed, you learn of the death of an Immediate Family Member, or you learn of the substantial destruction of your home by fire, wind, flood, or earthquake, Underwriters shall reimburse you the cost of an economy one way air or ground transportation ticket for you to your home, up to a maximum of $5,000.
• Trip Cancellation Benefit: If within two weeks prior to your pre-paid ticketed or vouchered initial trip departure your entire trip must be cancelled due to 1) your death, illness or injury causing hospitalization or outpatient surgery, or 2) the death of an Immediate Family member, or 3) the substantial destruction of your home due to fire, wind, flood, or earthquake, any unused and nonrefundable portion of expenses shall be reimbursed up to a maximum of $1,000, excess of $100 each and every loss and excess of all other valid Insurances.
• $25,000 Accidental Death: Double indemnity ($50,000 total) if accidental death occurs while riding as a passenger of a common carrier.

Sports or Activity Coverage

If you elect this option, underwriters will reimburse you for eligible expenses which are incurred due to an injury resulting from the participation in a sport or activity that is specifically named on the Schedule of Coverage. (See exclusions for a list of commonly excluded sports and activities.)

Coinsurance Waiver

If this options is elected underwriters will waive the coinsurance. This means that after the deductible has been fulfilled the plan will pay 100% of eligible expenses.

Kidnap & Ransom Coverage (K&R)

If you elect this option Underwriters will reimburse you for the ransom expenses paid on your behalf in order to release you from a kidnapping event which had taken place in the USA as well as reimburse you for the crisis response fees up to $100,000 in the aggregate. Although ransom benefits appear to be the primary benefit, the core benefit of any plan is the Crisis Response Team that will assess and advise the family. Most kidnappings are carried out in order to obtain a ransom, and in most cases a ransom is paid. The average percentage of deaths following a kidnapping is 9%. In cases involving The Crisis Response Team, less than 2% of people are killed.

This is not intended to be a complete outline of coverage. Actual wording may change without notice.
Underwriters reserve the right to modify terms and benefi ts at time of underwriting.