Adventure Sports Insurance

Medical Maximum per Policy Period:
$50,000, $100,000, $250,000, $500,000, $1,000,000

Deductible Options per Policy Period:
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000

Co-insurance per Policy Period: 80% of the first $5,000 of Covered Expenses then 100% up to the Policy Maximum

Medical Expense Benefits (subject to Policy Maximum, Deductible and Co-Insurance)

Hospital Room and Board Charges: The average semi private room rate

ICU Room and Board Charges: three times the average semi private room rate

Outpatient Medical: Usual customary charge up to the selected Medical Maximum

Emergency Medical Treatment of Pregnancy: $1,000

Mental or Nervous Disorders: $2,500

Physiotherapy/Physical Medicine/Chiropractic: $50 per visit per day; up to 10 visits per Policy Period

Dental Treatment (Injury and emergency alleviation of pain): $250

Doctor Visits, X-rays and Prescriptions, Ambulance: Usual customary charge to the selected Medical Maximum

Unexpected Recurrence of a Pre-Existing Condition: the first $1,000 of Covered Expenses

Benefit Period: 1 year from the date of the Covered Accident or Sickness

Additional Benefits (not subject to Policy Maximum, Deductible or Co-Insurance)

Accidental Death & Dismemberment Principal Sum: $25,000

Coma Benefit: $10,000

Felonious Assault and Violent Crime: 100% up to $50,000

Adaptive Home and Vehicle: $5,000

Seatbelt Benefit: 10% up to $50,000

Airbag Benefit: 10% up to $50,000

Hijacking and Air or Water Piracy: Covered

Emergency Medical Evacuation: 100% up to $2,000,000

Political/Natural Disaster Evacuation: $25,000

Repatriation of Remains: 100% up to $1,000,000

Emergency Reunion: $15,000

Return of Minor Child(ren) or Travel Companion: $5,000

Hospital Confinement: pays you $50 per day in addition to paying the Hospital;10 day Maximum

Lost Baggage: $1,000 per Policy Period

Trip Interruption: $5,000 (Per Policy Period does not cover lost trip cost)

Unexpected Recurrence of a Pre-Existing Condition Benefit

This plan shall pay, up to $1,000 subject to the chosen Deductible and Coinsurance for Covered Medical Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

Emergency Medical Evacuation Benefit

We will pay 100% up to $1,000,000 if you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation.

Political/Natural Disaster Evacuation Benefit

Up to $25,000 maximum for extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence. Benefits will be paid for: 1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well-being as determined by the Designated Security Consultant. 2. your Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which you are traveling while covered by the Policy; or your Home Country; or 3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if you are kidnapped or are reported as a Missing Person to local or international authorities.

Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. Our assistance provider is not responsible for the availability of Transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you.

For complete benefits, see brochure.