Medical insurance for families & individuals: Addresses the ins. needs of U.S. citizens & non-U.S. nationals who need temporary medical ins. while traveling for int'l outreach anywhere outside of their home country.

MEDICAL EXPENSE BENFITS(Per Person)	LIMITS
Worldwide Medical Coverage (Non Sports)	$150,000
Emergency Medical Evacuation/ Continuation	$1,000,000
Repatriation of Mortal Remains	$1,000,000
Baggage Delay	$150 per day/$750 Max
Baggage Loss/Theft	$300 per item/$1,500 Max
Accidental Death and Dismemberment	$75,000 Principal Sum
Travel Delay	$100 first 12 hours
Missed Departure/Missed Connection	$1,000
Emergency Evacuation- Non medical reasons	$25,000
Personal Liability	$10,000
Money and Documents (Tickets, Cash and bank Notes)	$500
Loss of Passport	$250
Hospital Indemnity	$150 per Day/$600 max Confinement Period - 3 Days Benefit Waiting Period- 0 Days
ATMSafe - Bank Card Theft Protection	$500
24/7 Emergency Assistance and Concierge Services via GBG Assist	Unlimited
Group Travel Aggregate Limit for Any One Incident	$1,500,000

We will not pay Medical Expense Benefits, Emergency Medical Evacuation, Emergency Reunion, Continuation or Repatriation of Mortal Remains, for any loss, treatment or services resulting from or contributed to by:

• Pre-Existing Conditions which means Chronic, or Recurrent Medical Conditions that were being treated immediately prior to or whose onset was diagnosed or predicted or could have been avoided prior to travel and any claim arising in the course of travel undertaken against medical advice or where medical advice has been disregarded and inclusive of:
  1. Any illness, resulting in hospitalization within the previous 2 years prior to the Insured Person (s) beginning travel; or
  2. Has been under a doctor's care for a condition that may result in deterioration of the Insured Person or a diagnosis being changed as a result of testing for a
  3. known situation; or
  4. Any changes in prescription drugs, therapies or diet that are a result of a previously known condition that can effect, degrade or alter the Insured Person; or
  5. A person with a terminal condition who either with or without medical approval chooses to travel and becomes ill as a direct consequence of that illness or
  6. the onset of a complication due to that illness.
• In respect of Injury to Natural Teeth, no benefit is payable for injury caused by eating or drinking (even if it contains a foreign body), normal wear and tear, tooth brushing or any other oral hygiene procedure or any means other than extra-oral impact, any form of restorative or remedial work, the use of precious metals, orthodontic treatment of any kind or dental treatment performed in a hospital unless dental surgery is the only treatment available to alleviate pain;
• Suicide or attempted suicide, intentional self-injury, the effect of intoxicating liquors or drugs;
• treatment of hernia, Osgood-Schlatter's Disease, osteochondritis, osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness whether or not caused by a Covered Accident;
• Evacuation costs where the Insured Person is not being admitted to a Hospital for Treatment or where costs have not been approved by Company prior to travel commencing;
• Any costs arising after expiry of the current Period of Insurance, unless this Policy has been renewed for a subsequent 12 months or the Insured Person was being treated during the Period of Insurance as a result of an accident;
• Any form of treatment or surgery which in the opinion of the Doctors(s) in attendance and GBG Assist can be delayed until your return to your Home Country;
• Any expenses incurred after you have returned to your Home Country;
• Medical Expenses in excess of a limit stated in the Basic Benefits Schedule;
• The amount of the Policy Excess, Deductible or Co-Payment, as stated;
• Any cost resulting in a Sickness, Injury or death from the misuse of drugs or being under the influence or effect of alcohol (other than a legally prescribed medication by a licensed medical professional);
• Needless self-exposure to peril except in an attempt to save human life;
• Intentional or fraudulent acts on the Insured Person's part or their consequences;
• Trips specifically made for the purpose of obtaining medical treatment;
• Cosmetic surgery or remedial surgery, removal of fat or other surplus body tissue and any consequences of such Treatment, weight loss or weight problems/eating disorders, whether or not for psychological purposes, unless required as a direct result of an accident which occurs during the Period of Insurance;
• Treatment for alcoholism, narcotics, drug and substance abuse/dependency or any addictive condition of any kind and any injury or Sickness arising from the Insured Person being under the influence of alcohol, drugs or any other intoxicating substance;
• Pregnancy, childbirth whether normal or complicated, including the transfer of a pregnant woman to a hospital to give routine childbirth or air travel when the Insured Person is more than 20 weeks pregnant and was NOT a result of an accident or onset of complications relating from an accident;
• Treatment for mental or nervous disorders, including transitional life events, homesickness, fatigue, jet-lag or work related stress; the costs of psychotherapists, psychologists, family therapists or bereavement counselors;
• Loss as the result of the use of any type of firearm(s) (Defined as any device that discharges a projectile of any type);
• Any expenses relating to search and rescue operations to find an Insured Person in mountains, at sea, in the desert, in the jungle and similar remote locations including air/sea rescue charges for evacuation to shore from a vessel or from the sea;
• Charges or fees incurred for the completion of Medical Claim Forms;
• Expeditions, and mountaineering and or trekking above 3500M or 11,500 ft is considered Extreme Sport and not covered, included and not limited to: Expeditions to Mt Everest, K2, Kilimanjaro, Antarctica, The Arctic, North Pole and Greenland;
• Losses incurred in Cuba, unless for a reimbursement of a Covered Expense. For Americans - proof of US government approval with proper documentation for travel to Cuba must be provided.
• Travel in or to Countries on the US Governments "Travel Warnings" on the date of enrollment. The list is located at travel.state.gov;
• Motorcycle vacations or holidays unless approved by the insurer and attached as a rider or appendix to this policy;
• War Insurrection and Terrorism; Ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof; any loss or expense of whatsoever nature directly or indirectly arising out of, contributed to, caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss or expense due to War, hostilities or warlike operations (whether war be declared or not), Invasion, Act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs, Civil war, Riot, Rebellion, Insurrection, Revolution, Overthrow of the legally constituted government, Civil commotion assuming the proportions of, or amounting to, an uprising, Military or usurped power, Explosions of war weapons, Utilization of Nuclear, Chemical or Biological weapons of mass destruction howsoever these may be distributed or combined, Murder or Assault subsequently proved beyond reasonable doubt to have been the act of agents of a state Foreign to the nationality of the Insured Person, Terrorist activity.

We will not pay any loss as the result of from or contributed to by the following sports and activities:

• Engaging in professional, club, interscholastic, intercollegiate or competitive sporting event, participation in semi or professional sports of any kind;
• Use of any type of firearms (any device that discharges a projectile of any type);
• Any activity relating to flying either as a Pilot in Command, student pilot, sport flying or the business or trade of flying except while travelling as a passenger in fully-licensed passenger carrying aircraft;
• Extreme Sports: Participation in any type of motorsport, motorsport race or motorsport contest, base jumping, paragliding, parachuting, mountaineering that requires specialize climbing equipment or to altitudes above 3500M or 10,000 feet, and diving to depths in excess of 25M (80ft) and flying within 24-hours of diving activity.

We will not pay Baggage Delay for any loss, treatment or services resulting from or contributed to by:

• Proof of a missing bag report must be filed with the common carrier.
• Items purchased after the bags were returned will not be covered.
• Any claim must be accompanied by proper receipts with date and time affixed.
• Benefit does not apply to the homeward journey.

We will not pay Baggage Loss/Theft for any loss, treatment or services resulting from or contributed to by:

• Damage to baggage of any kind and/or its contents;
• Any loss or theft, or suspected theft not reported to the Police within 24 hours of discovery and a written report obtained;
• Any loss or theft of property in transit, which has not been reported to the carrier and written report obtained. In the case of an airline, a Property Irregularity Report will be required;
• Loss of theft of any property left unattended in a public place;
• Any theft from an unattended motor vehicle unless the property is in a locked/covered luggage area, and there is evidence of forced entry which has been verified by a Police Report;

We will not pay Accidental Death and Dismemberment resulting from or contributed to by:

• A strike or industrial action existing or publicly declared at the time of effecting this Insurance;
• Technical reasons such as aircraft commitment;
• Where the Insured Person has not checked in according to the itinerary supplied and has failed to obtain written confirmation from the carrier (or their handling agents) of the period of or reason for the delay;
• Arising directly or indirectly from withdrawal from service (temporary or otherwise) of a coach, an aircraft or sea vessel on the recommendation of a Port Authority or the Civil Aviation Authority or of any similar body.

The Insurers shall not be liable for personal liability claims arising directly or indirectly from:

• Employers' liability, contractual liability or liability to a member of a family or a travelling companion;
• Animals belonging to or in the care, custody or control of an Insured Person;
• Any willful, malicious, or unlawful act;
• Pursuit of trade, business or profession;
• Ownership or occupation of land or buildings;
• Ownership, possession or use of vehicles, aircraft, or motor-powered watercraft;
• The influence of intoxicating liquor, or the use of firearms;
• Legal costs resulting from any criminal proceedings;
• The insurance limit is for any one individual event even if multiple losses are incurred by multiple insured's carrying the policy;
• The Insured person cannot bind or have a binding effect if they admit liability for any loss, damage or injury caused by themselves.