International Travel Insurance

Atlas Series « Travel Insurance

» Summary «

The Atlas Series now automatically includes many new benefits, services and features that make it one of the best options for individuals and families who travel internationally. Lloyd’s, the largest and oldest insurance market in the world, is the insurer of the Atlas Series. Rated 'A' (Superior) by A.M. Best Company and 'A' (Strong) by Standard and Poor’s, Lloyd’s provides financial strength and security that is unparalleled in the worldwide insurance market. Presently, Lloyd’s provides accident and health insurance to millions of individuals in almost every country of the world.

State of the art travel and medical assistance services are part of every Atlas plan.

Below please find a brief summary, which outlines the coverage provided:

• Wide Range of Deductibles ($0 deductible now available) & Policy Maximums
• Hospitalization
• Intensive Care
• Outpatient Treatment
• Emergency Dental
• Local Ambulance
• Emergency Medical Evacuation
• Repatriation of Remains
• Complications of Pregnancy
• Acts of Terrorism
• Hospital Indemnity
• Acute Onset of Pre-existing Conditions
• Trip Interruption
• Lost Checked Luggage
• Accidental Death & Dismemberment
• Common Carrier Accidental Death
• Physical Therapy
• Extensions and Renewal

Limits and Exclusions apply to all benefits. See the Certificate of Insurance for a complete listing.

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Travel Gap Voyager « Travel Insurance

» Summary «

TravelGap Voyager (Single Trip) is a short term travel medical plan. TravelGap is more than insurance: it is a total health care solution for today’s active traveler. Administered by HTH Worldwide, TravelGap is underwritten in the U.S. by UNICARE Life and Health or HM Life Insurance Company. UNICARE is an operating affiliate of Wellpoint: the largest health insurance company in the U.S. with over 34 million health plan members. TravelGap fully protects members’ rights because it complies with standards maintained by state insurance departments’. UNICARE is currently rated A- (Excellent) by AM Best, and A+ (stable) by Standard and Poor’s. HM Life is part of the HM Insurance Group and is also A- rated (Excellent) by A.M Best.

Below please find a brief summary, which outlines the coverage provided:

• Primary or supplemental coverage available
• Choice of $50,000, $100,000, $500,000 or $1,000,000 medical limit
• Range of Deductibles: $0, $50, $250 or $500
• $500,000 Emergency Medical Evacuation Benefit
• Hospitalization & Intensive Care
• Outpatient Treatment including Drugs
• Local Ambulance
• Repatriation of Remains
• Complications of pregnancy
• Automatically includes Terrorism Coverage
• Pre-existing condition exclusion waived for the Single Trip Excursion policy
• Accidental Death & Dismemberment
• Exclusive access to HTH's elite and profiled community of doctors and hospitals: direct payments can be made to providers in 180 countries
• Destination Security Profiles and News Alerts available, worldwide
• 24 hour toll free assistance
• Daily Rates available (7 day minimum)
• 10 day money back guarantee

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Worldwide Travel « Travel Insurance

» Summary «

Worldwide Travel offers the best possible protection if you have a sudden unexpected illness or injury when traveling. In case you need to see a doctor, or if you are hospitalized IHI BUPA will help you in any way possible. You can choose a travel insurance which covers one single trip, or you can choose to be covered all year round on all your trips abroad, for up to 1 month per trip.

Worldwide Travel is insured by BUPA one of the largest and most experienced insurers. BUPA has been in business since 1947 and currently insures more than 10 million clients from 192 countries around the world.

With Worldwide Travel Options you are guaranteed the following advantages:

• IHI BUPA's own Medical Centre (24-hour emergency service)
• Direct payment of all hospital bills
• Access to IHI BUPA's own medical consultants
• Free choice of doctors and hospitals
• Full cover with no deductible
• Professional and efficient reimbursement service
• Worldwide cover during all types of travel: leisure, study and business
• No restrictions on hazardous sports or occupations (except motor sports)
• Free cover of children under age of two
• Coverage for accidents resulting from terrorist acts

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Annual Worldwide Travel « Travel Insurance

» Summary «

Annual Worldwide Travel offers the best possible protection if you have a sudden unexpected illness or injury when traveling. In case you need to see a doctor, or if you are hospitalized IHI BUPA will help you in any way possible. You can choose a travel insurance which covers one single trip, or you can choose to be covered all year round on all your trips abroad, for up to 1 month per trip.

Worldwide Annual Travel is insured by BUPA one of the largest and most experienced insurers. BUPA has been in business since 1947 and currently insures more than 10 million clients from 192 countries around the world.

With Worldwide Travel Options you are guaranteed the following advantages:

• IHI BUPA's own Medical Centre (24-hour emergency service)
• Direct payment of all hospital bills
• Access to IHI BUPA's own medical consultants
• Free choice of doctors and hospitals
• Full cover with no deductible
• Professional and efficient reimbursement service
• Worldwide cover during all types of travel: leisure, study and business
• No restrictions on hazardous sports or occupations (except motor sports)
• Free cover of children under age of two
• Coverage for accidents resulting from terrorist acts

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Trip Protector « Travel Insurance

» Summary «

TripProtector is a travel protection policy, which provides a variety of benefits including trip cancellation and interruption coverage. Administered by HTH Administration Services, TripProtector is underwritten by Stonebridge Casualty Insurance Company. Stonebridge is owned by one of the largest property and casualty companies in the world: AEGON. Stonebridge is currently rated A- “Excellent” by A.M. Best.

Below please find a brief summary, which outlines the coverage provided:

• Trip Cancellation
• Trip Interruption
• Trip Delay/Missed Connection
• $500,000 or $1,000,000 Medical Expense
• $1,000,000 Medical Evacuation/Repatriation
• Lost Baggage/Personal Effects
• Baggage Delays
• 24 hour Travel Assistance Services
• Air Flight Accident Insurance
• Pre-existing conditions covered (subject to certain conditions)
• Exclusive access to HTH's elite and profiled community of doctors and hospitals
• Destination Security Profiles and News Alerts available, worldwide
• 24 hour toll free assistance
• 10 day money back guarantee

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Liaison International « Travel Insurance

» Summary «

Designed for international travelers who are concerned about an unexpected medical condition arising overseas, Liaison not only provides comprehensive medical protection while abroad, but also secondary services that are of utmost importance away from home.

Since 1993, international travelers throughout the world have relied on Liaison travel medical program to provide the coverage they need. Whether you are a U.S. citizen traveling overseas or a foreign national visiting the United States, Liaison can provide coverage for as little as 5 days and renewable up to 3 years.

Liaison International can be purchased per day or by months, depending on the length of your trip. This plan is reinsured by Nationwide Mutual Insurance Company, Nationwide Life Insurance Company and Nationwide Mutual fire. Nationwide Insurance Company is rated A+ Superior by A.M. Best. Nationwide has more than $157 billion in statutory assets, and is one of the largest insurance and financial service companies in the world.

• Choice of Policy Maximums from $50,000; $100,000; $500,000; $1,000,000
• Choice of Deductibles from $0; $100; $250; $500; $1,000; $2,500
• Hospital Indemnity
• Dental Emergency
• Emergency Medical Evacuation/Repatriation
• Return of Mortal Remains
• Emergency Reunion
• Return of Minor Children
• Interruption of Trip
• Loss of Checked Luggage
• Local Ambulance Expense
• Accidental Death & Dismemberment
• Hospital Room and Board

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Roundtrip « Travel Insurance

» Summary «

Roundtrip may only be purchased if you are a resident of the United States or if purchased within the United States.

Planning a trip is a complicated process. Not only is there time off and travel destinations to consider, but there is also a significant financial investment. What if you or a member of your family becomes ill the week before your trip and you are unable to travel? A portion or even all of the money you spent preparing for the trip may be lost. RoundTrip protects your financial investment when purchasing a trip, and offers benefits to protect you during the course of a trip.

Roundtrip Travel Benefits is a trip benefit policy, which should be purchased for the full cost of your trip. This plan is reinsured by Nationwide Mutual Insurance Company, Nationwide Life Insurance Company and Nationwide Mutual fire. Nationwide Insurance company is rated A+ Superior by A.M. Best. Nationwide has more than $157 billion in statutory assets, and is one of the largest insurance and financial service companies in the world.

Below please find a brief summary, which outlines some of the coverage provided:

• Trip Cancellation - Up to $20,000
• Trip Interruption - 150% or tour cost maximum
• Trip Delay - Up to $500
• Evacuation/Repatriation - Up to $250,000
• Lost Baggage / Personal Effects - Up to $1,000
• Emergency Medical - Up to $50,000

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Travel Gap Multi-Trip « Travel Insurance

» Summary «

The TravelGap Multi Trip Plan is a multi trip/annual travel medical plan. It is more than insurance: it is a total health care solution for today’s active traveler. Administered by HTH Worldwide, TravelGap is underwritten in the U.S. by UNICARE Life and Health or HM Life Insurance Company. UNICARE is an operating affiliate of Wellpoint: the largest health insurance company in the U.S. with over 34 million health plan members. TravelGap fully protects members’ rights because it complies with standards maintained by state insurance departments’. UNICARE is currently rated A- (Excellent) by AM Best, and A+ (stable) by Standard and Poor’s. HM Life is part of the HM Insurance Group and is also A- rated (Excellent) by A.M Best.

Below please find a brief summary, which outlines the coverage provided:

• Choice of $50,000 or $250,000 medical limit
• $50 deductible (waived when using an HTH contracted provider overseas)
• $500,000 Emergency Medical Evacuation Benefit
• Unlimited trips (trip maximum of 70 days)
• Hospitalization & Intensive Care
• Outpatient Treatment including Drugs
• Local Ambulance
• Repatriation of Remains
• Accidental Death & Dismemberment
• Complications of pregnancy
• Automatically includes Terrorism Coverage
• Pr-existing conditions covered up to the policy maximum
• Exclusive access to HTH's elite and profiled community of doctors and hospitals: direct payments can be made to providers in 180 countries
• Destination Security Profiles and News Alerts available, worldwide
• 24 hour toll free assistance
• Available up to age 84
• 10 day money back guarantee

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