TravelGap Multi-Trip provides the frequent traveler with international health insurance for multiple trips throughout the year. Multi-Trip health and accident insurance for frequent travelers, available at two benefit levels, Choice and Essential. It also includes a complete package of services to help you identify, access and pay for quality healthcare anywhere in the world.
TravelGap Multi-Trip fills health and safety gaps internationally:
Insurance – Even if you are already enrolled in a health plan, your coverage is limited when you travel abroad. In fact, your plan may not pay to have you safely evacuated if you are critically ill.
Information– Where do you turn to learn which hospitals and physicians meet your standards? Keep up with breaking news about health and safety threats? Translate key medical terms and brand-name drugs?
Access to quality care– How do you find a western-trained English-speaking doctor with the appropriate skills? How do you arrange a convenient appointment?
Highlights:
- Up to $250,000 for sickness and accidents
- $500,000 medical evacuation benefit
- Hospital care, surgery, office visits, prescription drugs and more
- Unlimited trips in a 12 month period (70 days max. per trip)
- Covers pre-existing conditions for medical services and medical evacuation
Benefit Schedule
| Medical Benefits | Essential | Choice |
|---|---|---|
| Maximum International Benefits per Insured Person per policy period | $50,000 | $250,000* |
| *For Individuals aged 70 – 84, the Maximum International Medical Benefit for Multi-Trip Preferred is $100,000. | ||
| Deductible per Insured Person per policy period* | $50 | |
| *Deductible waived for physician and hospital services delivered by our International Healthcare Community Providers. | ||
| Benefits | Insurer Pays After Medical Benefit Deductible is Paid | |
| Professional Services: | ||
| a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab | 100% | |
| b. Office Visits: including X-rays and lab work billed by the attending physician. | 100% | |
| Inpatient Hospital Services: | ||
| a. Surgery, X-rays, In-hospital doctor visits | 100% | |
| b. In-patient medical emergency | 100% | |
| Ambulatory Surgical Center | 100% | |
| Outside the U.S. Outpatient prescription drugs | 100% of Covered Expenses | |
| Dental Care required due to an Injury | 100% of Covered Expenses up to $200 maximum per Trip Period | |
| Other Benefits | Insurer Pays Without a Deductible Being Applicable | |
| Essential | Choice | |
| Accidental Death And Dismemberment | $0 | $25,000 |
| Repatriation Of Remains | $15,000 | $25,000 |
| Medical Evacuation | $250,000 | $500,000 |
| Bedside Visit | Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round trip air fare ticket to the place of the Hospital Confinement for one (1) person | |
Services provided in addition to the benefits above
- Access to our global community of carefully selected, contracted hospitals, physicians, dentists and behavioral health professionals in over 180 countries
- Detailed provider profiles
- Appointment scheduling
- Direct Pay to providers
- Health and security news alerts
Available to U.S. residents, age 84 or younger, who live in approved states. Individuals aged 70-84 are eligible only for a $100,000 medical limit.
Covers all international trips (up to 70 days duration per trip) in a 12 month period. Participants must be enrolled in a Primary Health Plan. There is no pre-existing condition exclusion.
The benefits outlined in the table show the payment percentages for Covered Expenses AFTER the Insured Person has satisfied any Deductibles and prior to satisfaction of his/her Out-of-Pocket. Covered Expenses are based on Reasonable Charges which may be less than actual billed charges. Providers can bill the Insured Person for amounts exceeding Covered Expenses.
Please note: you can only purchase this policy prior to departing on your trip.
Ten Day Money Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our product, simply return your Certificate of Insurance and your ID Card to us within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left on a trip before the date of your letter, you will receive a full refund.
