Covered Risks and Coverage Limits
Medical Expenses
Coverage Limit: $25,000.00 USD
Includes:
- Medical-surgical expenses resulting from a sudden illness or accident.
- Dental expenses: Covered up to a limit of $21.00 USD for emergency treatments due to infection, pain, or trauma.
- Hospitalization expenses.
- Initial urgent care for pre-existing conditions.
- Accommodation expenses for an accompanying person when the insured is a child and/or incapacitated.
- Medical expenses for a pregnant insured presenting a medical emergency, provided no negligence is involved.
- Convalescence expenses, when prescribed by the treating physician, for five or more days of hospitalization, including an accompanying person for children and/or incapacitated individuals (limited to accommodation expenses).
- Expenses related to COVID-19 treatment.
Repatriation and Transportation
Coverage Limit: $5,000.00 USD
Includes:
- Transportation of the insured to the nearest hospital with necessary facilities. The mode of transport will be decided by the Assistance Company in coordination with the medical team.
- In case of death, arrangements and transportation of the body to the place of origin of the trip.
- Penalties for changing the return ticket date if hospitalization prevents the insured from returning on the scheduled date.
- Transportation of a family member to accompany the insured during hospitalization for more than ten days, provided the hospitalization period is within the coverage duration plus seven additional days (economy class air ticket).
Liability
Coverage Limit: $10,000.00 USD
Includes:
- pecuniary compensation for bodily or material damage caused involuntarily to third parties, as well as professional fees for the defense of the insured.
Advance of Bail
Coverage Limit: $5,000.00 USD
Includes:
- The insurer will provide a loan without additional charges if the insured is required to pay bail for criminal responsibility in an accident.
Loss of Travel Documents
Coverage Limit: $1,000.00 USD
Includes the costs associated with:
- Reissuance of passport, visa, and air ticket if they are damaged or lost.
- Penalty fees imposed by the airline for lost or mislaid airfare