Travel Insurance With Home Country Coverage (2024)

Home Country Coverage (If Benefit is Purchased) – The Home Country Coverage provides limited coverage under your Medical Expense Benefit while in your Home Country. The plan pays 80% up to $5,000 of Eligible 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).

1) Incidental Trip(s) to your Home Country: During the period of coverage, You may return to Your Home Country for incidental visits of up to 60 days per 12 months of coverage, or pro rata there of (approximately 5 days per month of purchased coverage). If during an incidental trip home, You suffer an Injury or Sickness, this Plan will pay up to $50,000 of Eligible Expenses.

2) Extension of Benefits (Follow Me Home Coverage): This plan will pay up to a maximum of $10,000 for Eligible Expenses incurred in Your Home Country related to an Injury or Sickness which originally occurred, was diagnosed and treated outside Your Home Country during Your period of coverage.

Home Country Coverage (If Benefit is Purchased) – The Home Country Coverage provides limited coverage under your Medical Expense Benefit while in your Home Country. The plan pays 80% up to $5,000 of Eligible 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).

1) Incidental Trip(s) to your Home Country: During the period of coverage, You may return to Your Home Country for incidental visits of up to 60 days per 12 months of coverage, or pro rata there of (approximately 5 days per month of purchased coverage). If during an incidental trip home, You suffer an Injury or Sickness, this Plan will pay up to $50,000 of Eligible Expenses.

2) Extension of Benefits (Follow Me Home Coverage): This plan will pay up to a maximum of $10,000 for Eligible Expenses incurred in Your Home Country related to an Injury or Sickness which originally occurred, was diagnosed and treated outside Your Home Country during Your period of coverage.

P. INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any Incidental Trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) the Country of Residence is not the United States

(4) the intention or purpose of the Insured Person’s return trip to the Country of Residence is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence

(5) the Insured Person’s return trip to the Country of Residence does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence.

P. INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any Incidental Trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) the Country of Residence is not the United States

(4) the intention or purpose of the Insured Person’s return trip to the Country of Residence is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence

(5) the Insured Person’s return trip to the Country of Residence does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence.

P. INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any Incidental Trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) the Country of Residence is not the United States

(4) the intention or purpose of the Insured Person’s return trip to the Country of Residence is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence

(5) the Insured Person’s return trip to the Country of Residence does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence.

P. INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any Incidental Trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) the Country of Residence is not the United States

(4) the intention or purpose of the Insured Person’s return trip to the Country of Residence is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence

(5) the Insured Person’s return trip to the Country of Residence does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence.

O. INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any Incidental Trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) the Country of Residence is not the United States

(4) the intention or purpose of the Insured Person’s return trip to the Country of Residence is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence

(5) the Insured Person’s return trip to the Country of Residence does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence.

O. INCIDENTAL TRIP:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any Incidental Trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) the Country of Residence is not the United States

(4) the intention or purpose of the Insured Person’s return trip to the Country of Residence is not to receive Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence

(5) the Insured Person’s return trip to the Country of Residence does not result in receiving Treatment for an Illness or Injury incurred or sustained while traveling outside of their Country of Residence.

N. EMERGENCY TREATMENT WHILE TRAVELING THROUGH THE UNITED STATES:

As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance within the United States for incidental Emergency Treatment up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY, provided that:

(1) the Insured Person was traveling through the United States en route to or from a Destination Country

(2) the United States is not one of the Insured Person’s Destination Countries

(3) the Insured Person requires Treatment for an Injury or Illness that is an Emergency

(4) Treatment for an Injury or Illness that is an Emergency must be Pre-certified and coordinated by the Company

O. EMERGENCY MEDICAL EVACUATION TO THE UNITED STATES AND ASSOCIATED TREATMENT:

When an Insured Person has received Emergency Medical Evacuation to the United States by the Company, the Insured Person will be covered for Eligible Medical Expenses incurred for up to the number of days and Maximum Limit shown in the BENEFIT
SUMMARY, provided that:

(1) the Emergency Medical Evacuation and medical Facility must be Pre-certified and coordinated by the Company

(2) the Insured Person shall have no coverage in the United States beyond the Maximum Limit shown in the BENEFIT SUMMARY

(3) the Insured Person’s coverage under this insurance shall continue if and when the Insured Person returns to the Destination Country during the Period of Coverage.

P. EMERGENCY TREATMENT DURING INCIDENTAL TRIP TO COUNTRY OF RESIDENCE:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any incidental trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) Treatment for an Illness or Injury must have not incurred or been sustained while in the Destination Country

(4) Treatment must be Pre-certified and coordinated by the Company.

N. EMERGENCY TREATMENT WHILE TRAVELING THROUGH THE UNITED STATES:

As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance within the United States for incidental Emergency Treatment up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY, provided that:

(1) the Insured Person was traveling through the United States en route to or from a Destination Country

(2) the United States is not one of the Insured Person’s Destination Countries

(3) the Insured Person requires Treatment for an Injury or Illness that is an Emergency

(4) Treatment for an Injury or Illness that is an Emergency must be Pre-certified and coordinated by the Company

O. EMERGENCY MEDICAL EVACUATION TO THE UNITED STATES AND ASSOCIATED TREATMENT:

When an Insured Person has received Emergency Medical Evacuation to the United States by the Company, the Insured Person will be covered for Eligible Medical Expenses incurred for up to the number of days and Maximum Limit shown in the BENEFIT
SUMMARY, provided that:

(1) the Emergency Medical Evacuation and medical Facility must be Pre-certified and coordinated by the Company

(2) the Insured Person shall have no coverage in the United States beyond the Maximum Limit shown in the BENEFIT SUMMARY

(3) the Insured Person’s coverage under this insurance shall continue if and when the Insured Person returns to the Destination Country during the Period of Coverage.

P. EMERGENCY TREATMENT DURING INCIDENTAL TRIP TO COUNTRY OF RESIDENCE:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any incidental trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) Treatment for an Illness or Injury must have not incurred or been sustained while in the Destination Country

(4) Treatment must be Pre-certified and coordinated by the Company.

Combined Maximum Limit: $50,000, Maximum consecutive days: 14

N. EMERGENCY TREATMENT WHILE TRAVELING THROUGH THE UNITED STATES:

As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance within the United States for incidental Emergency Treatment up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY, provided that:

(1) the Insured Person was traveling through the United States en route to or from a Destination Country

(2) the United States is not one of the Insured Person’s Destination Countries

(3) the Insured Person requires Treatment for an Injury or Illness that is an Emergency

(4) Treatment for an Injury or Illness that is an Emergency must be Pre-certified and coordinated by the Company

O. EMERGENCY MEDICAL EVACUATION TO THE UNITED STATES AND ASSOCIATED TREATMENT:

When an Insured Person has received Emergency Medical Evacuation to the United States by the Company, the Insured Person will be covered for Eligible Medical Expenses incurred for up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY, provided that:

(1) the Emergency Medical Evacuation and medical Facility must be Pre-certified and coordinated by the Company

(2) the Insured Person shall have no coverage in the United States beyond the Maximum Limit shown in the BENEFIT SUMMARY

(3) the Insured Person’s coverage under this insurance shall continue if and when the Insured Person returns to the Destination Country during the Period of Coverage.

P. EMERGENCY TREATMENT DURING INCIDENTAL TRIP TO COUNTRY OF RESIDENCE:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any incidental trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) Treatment for an Illness or Injury must have not incurred or been sustained while in the Destination Country

(4) Treatment must be Pre-certified and coordinated by the Company.

Combined Maximum Limit: $50,000, Maximum consecutive days: 14

N. EMERGENCY TREATMENT WHILE TRAVELING THROUGH THE UNITED STATES:

As an accommodation and supplemental benefit, the Insured Person will be covered under this insurance within the United States for incidental Emergency Treatment up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY, provided that:

(1) the Insured Person was traveling through the United States en route to or from a Destination Country

(2) the United States is not one of the Insured Person’s Destination Countries

(3) the Insured Person requires Treatment for an Injury or Illness that is an Emergency

(4) Treatment for an Injury or Illness that is an Emergency must be Pre-certified and coordinated by the Company

O. EMERGENCY MEDICAL EVACUATION TO THE UNITED STATES AND ASSOCIATED TREATMENT:

When an Insured Person has received Emergency Medical Evacuation to the United States by the Company, the Insured Person will be covered for Eligible Medical Expenses incurred for up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY, provided that:

(1) the Emergency Medical Evacuation and medical Facility must be Pre-certified and coordinated by the Company

(2) the Insured Person shall have no coverage in the United States beyond the Maximum Limit shown in the BENEFIT SUMMARY

(3) the Insured Person’s coverage under this insurance shall continue if and when the Insured Person returns to the Destination Country during the Period of Coverage.

P. EMERGENCY TREATMENT DURING INCIDENTAL TRIP TO COUNTRY OF RESIDENCE:

As an accommodation and supplemental benefit and subject to the Terms of this insurance, the Insured Person will be covered under this insurance during incidental return trips to their Country of Residence up to the number of days and Maximum Limit shown in the BENEFIT SUMMARY during the Period of Coverage beginning with the date the Insured Person first arrives back in their Country of Residence provided that:

(1) the Insured Person has departed their Country of Residence prior to any incidental trip

(2) the Insured Person has timely paid applicable Premium for at least thirty (30) days of continuous coverage

(3) Treatment for an Illness or Injury must have not incurred or been sustained while in the Destination Country

(4) Treatment must be Pre-certified and coordinated by the Company.

3.5 Incidental Trips to Home Country.

If the Period of Coverage is greater than thirty (30) days, the Company will reimburse You for Covered Expenses up to the amount in the Schedule of Benefits for a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. You must first depart Your Home Country before utilizing this benefit, and it does not apply to the final trip to Your Home Country. You may be required to provide proof of Your travel intentions. Additionally, this coverage will not apply (i) if the Illness began, or Injury occurred while You were outside Your Home Country; or (ii) for Pre-Existing Conditions, including Acute Onset of a Pre-existing Condition(s).

Under this section, You will receive five (5) days of coverage per month of coverage purchased up to a maximum of sixty (60) days per three hundred sixty-four (364) days of purchased coverage. If Your combined incidental trips exceed Your maximum days allowed, this benefit will terminate immediately. Such termination will have no impact on Your remaining benefits outside Your Home Country.

The limit for this coverage is that amount shown on the Schedule of Benefits under “Incidental Trips to Home Country,” not the amount shown for “Medical Maximum Options.”

The Deductible, Copay and Coinsurance in Section 3.1 applies to this coverage and will be Your responsibility. Home Country Exclusion 8(p) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.

3.4 Extension of Benefits in Home Country.

The Company will reimburse You for Covered Expenses incurred in Your Home Country, including those incurred in Your Home Country following an Emergency Medical Evacuation or an Emergency Medical Repatriation, up to the amount in the Schedule of Benefits for one hundred eighty days (180) from the onset of a new, covered Injury or Illness that begins while You are traveling and is first diagnosed and treated outside Your Home Country. This coverage does not apply for Pre-Existing Conditions.

The limit for this coverage is the amount shown on the Schedule of Benefits under “Extension of Benefits in Home Country,” not the amount shown for “Medical Maximum Options.”

The Deductible, Copay and Coinsurance in Section 3.1 apply to this coverage and will be Your responsibility.

Home Country Exclusion 8(p) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.

3.5 Incidental Trips to Home Country.

If the Period of Coverage is greater than thirty (30) days, the Company will reimburse You for Covered Expenses up to the amount in the Schedule of Benefits for a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. You must first depart Your Home Country before utilizing this benefit, and it does not apply to the final trip to Your Home Country. You may be required to provide proof of Your travel intentions. Additionally, this coverage will not apply (i) if the Illness began, or Injury occurred while You were outside Your Home Country; or (ii) for Pre-Existing Conditions, including Acute Onset of a Pre-existing Condition(s).

Under this section, You will receive five (5) days of coverage per month of coverage purchased up to a maximum of sixty (60) days per three hundred sixty-four (364) days of purchased coverage. If Your combined incidental trips exceed Your maximum days allowed, this benefit will terminate immediately. Such termination will have no impact on Your remaining benefits outside Your Home Country.

The limit for this coverage is that amount shown on the Schedule of Benefits under “Incidental Trips to Home Country,” not the amount shown for “Medical Maximum Options.”

The Deductible, Copay and Coinsurance in Section 3.1 applies to this coverage and will be Your responsibility. Home Country Exclusion 8(p) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.

3.4 Extension of Benefits in Home Country.

The Company will reimburse You for Covered Expenses incurred in Your Home Country, including those incurred in Your Home Country following an Emergency Medical Evacuation or an Emergency Medical Repatriation, up to the amount in the Schedule of Benefits for one hundred eighty days (180) from the onset of a new, covered Injury or Illness that begins while You are traveling and is first diagnosed and treated outside Your Home Country. This coverage does not apply for Pre-Existing Conditions.

The limit for this coverage is the amount shown on the Schedule of Benefits under “Extension of Benefits in Home Country,” not the amount shown for “Medical Maximum Options.”

The Deductible, Copay and Coinsurance in Section 3.1 apply to this coverage and will be Your responsibility.

Home Country Exclusion 8(p) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.

3.4 Incidental Trips to Home Country.

If the Period of Coverage is greater than thirty (30) days, the Company will reimburse You for Covered Expenses up to the amount in the Schedule of Benefits for a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. You must first depart Your Home Country before utilizing this benefit, and it does not apply to the final trip to Your Home Country. You may be required to provide proof of Your travel intentions. Additionally, this coverage will not apply (i) if the Illness began, or Injury occurred while You were outside Your Home Country; or (ii) for Pre-Existing Conditions, including Acute Onset of a Pre-existing Condition(s).

Under this section, You will receive five (5) days of coverage per month of coverage purchased up to a maximum of sixty (60) days per three hundred sixty-four (364) days of purchased coverage. If Your combined incidental trips exceed Your maximum days allowed, this benefit will terminate immediately. Such termination will have no impact on Your remaining benefits outside Your Home Country.

The limit for this coverage is that amount shown on the Schedule of Benefits under “Incidental Trips toHome Country,” not the amount shown for “Medical Maximum Options.”

The Deductible, Copay and Coinsurance in Section 3.1 applies to this coverage and will be Your responsibility. Home Country Exclusion 8(p) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.

3.4 Incidental Trips to Home Country.

If the Period of Coverage is greater than thirty (30) days, the Company will reimburse You for Covered Expenses up to the amount in the Schedule of Benefits for a new covered Injury or Illness that begins while You are on an incidental trip to Your Home Country. You must first depart Your Home Country before utilizing this benefit, and it does not apply to the final trip to Your Home Country. You may be required to provide proof of Your travel intentions. Additionally, this coverage will not apply (i) if the Illness began, or Injury occurred while You were outside Your Home Country; or (ii) for Pre-Existing Conditions, including Acute Onset of a Pre-existing Condition(s).

Under this section, You will receive five (5) days of coverage per month of coverage purchased up to a maximum of sixty (60) days per three hundred sixty-four (364) days of purchased coverage. If Your combined incidental trips exceed Your maximum days allowed, this benefit will terminate immediately. Such termination will have no impact on Your remaining benefits outside Your Home Country.

The limit for this coverage is that amount shown on the Schedule of Benefits under “Incidental Trips toHome Country,” not the amount shown for “Medical Maximum Options.”

The Deductible, Copay and Coinsurance in Section 3.1 applies to this coverage and will be Your responsibility. Home Country Exclusion 8(p) is waived for this benefit. All other exclusions in Section 8 apply to the coverage provided under this section.