For a resident of the United States who is planning a short trip abroad, the USAway International Major Medical insurance plan provides ideal benefits. The plan covers up to $5 million, with the deductible ranging from $250 to $2,500.
Highlights of the plan include nursing and home health care expense coverage, a common accident clause, coverage for return home due to an emergency, accidental death benefit, and home coverage for incidental visits to the United States. Additional benefits which can be purchased with USAway international insurance, include hazardous sports coverage, coverage for acts of war, frequent traveler coverage, and waiver of Cardiac and Cancer Limitations.
The basic benefits of the travel health insurance plan include expenses related to hospitalization, physician consultation, ambulance services, skilled nursing, and prescription drugs. The plan holder’s transport back to the United States is also covered if deemed medically necessary. Home health care abroad is covered, if a physician determines that otherwise, the plan holder must be hospitalized. As a sign of the times, injuries arising from a terrorist attack are also covered under the plan.
The USAway major medical insurance plan limits coverage for the medical treatment of cardiac and cancer-related conditions.The benefits will either include the costs of stabilizing the condition and returning home, or a maximum reimbursement of $25,000. This exclusion can be waived on payment of an additional premium for the optional coverage.
The travel medical insurance Plan also covers accidental death, with double benefits in case the accident occurs place when traveling in a common carrier. In case of a single accident where many covered family members are injured, only one deductible and co-insurance apply. In the case of fatality, the plan covers sending the remains back to the home of the insured holder.
Coverage under the USAway medical insurance plan includes short trips home when the plan is valid effect. The plan also covers lost baggage. Return home to the United States is covered in case of an emergency of the death of an immediate family member, or the damage to the home of the insured.
Additional coverage for hazardous sports and acts of war can be purchased at an extra premium. For travelers who often travel outside the country, a frequent traveler option in the travel insurance plan lets the insured choose coverage for a fixed number of days in 12 months, without applying for coverage every time. This is especially beneficial for business travelers.
The travel medical insurance Plan is underwritten by Petersen International Underwriters. The plan is valid for up to 12 months, and is not renewable.
Dan Miller frequently writes about USAway major medical insurance
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