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发帖数: 9344 | 1 在expedia.com买机票的时候，可以选择International flight insurance，价格大概
70$左右。
对于不想买regular travel insurance的同学，可以考虑一下。
SUMMARY OF COVERAGES
PART A. TRAVEL ARRANGEMENT PROTECTION
Trip Cancellation and Trip Interruption Benefits
Pre-Departure Trip Cancellation
We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in
the Schedule for non-refundable cancellation charges imposed by Expedia, Inc
., if you are prevented from taking your Covered Trip due to your, an
Immediate Family Member’s, Traveling Companion’s, or Business Partner’s
Sickness, Injury or death or Other Covered Events as defined, that occur(s)
before departure on your Covered Trip. See more
The Sickness or Injury must: a) commence while your coverage is in effect
under the plan; b) require the examination and treatment by a Physician at
the time the Covered Trip is canceled; and c) in the written opinion of the
treating Physician, be so disabling as to prevent you from taking your
Covered Trip.
Pre-Departure Trip Cancellation Benefits
We will reimburse you, up to the amount in the Schedule for the amount of
prepaid, non-refundable and unused Payments or Deposits that you paid for
your Covered Trip.
Note: As respects air cancellation penalties, you will be covered only for
air arrangements booked through Expedia, Inc. and flights connecting to such
air arrangements booked through Expedia, Inc. We will not pay benefits for
cancellation charges imposed on any other air arrangements you may book on
your own.
Post-Departure Trip Interruption
We will pay a Post-Departure Trip Interruption Benefit, up to the amount in
the Schedule, if: 1) your arrival on your Covered Trip is delayed; or 2) you
are unable to continue on your Covered Trip after you have departed on your
Covered Trip due to your, an Immediate Family Member’s, Traveling
Companion’s, or Business Partner’s, Sickness, Injury or death or Other
Covered Events as defined. See more
For item 1) above, the Sickness or Injury must: a) commence while your
coverage is in effect under the plan; b) for item 2) above, commence while
you are on your Covered Trip and your coverage is in effect under the plan;
and c) for both items 1) and 2) above, require the examination and treatment
by a Physician at the time the Covered Trip is interrupted or delayed; and
d) in the written opinion of the treating Physician, be so disabling as to
delay your arrival on your Covered Trip or to prevent you from continuing
your Covered Trip.
Post-Departure Trip Interruption Benefits
We will reimburse you, less any refund paid or payable, for the following:
1. the additional transportation expenses by the most direct route from the
point you interrupted your Covered Trip: a) to the next scheduled
destination where you can catch up to your Covered Trip; or (b) to the final
destination of your Covered Trip;
2. the additional transportation expenses incurred by you by the most direct
route to reach your original Covered Trip destination if you are delayed
and leave after the Scheduled Departure Date. However, the benefit payable
under (1) and (2) above will not exceed the cost of a one-way economy air
fare by the most direct route less any refunds paid or payable for your
unused original tickets.
In no event shall the amount reimbursed under Trip Cancellation or Trip
Interruption exceed the amount you prepaid for your Flight.
Important: You, your Traveling Companion and/or your Immediate Family Member
booked to travel with you must be medically capable of travel on the day
you purchase this coverage. The covered reason for cancellation or
interruption of your Flight must occur after your effective date of Trip
Cancellation coverage.
Other Covered Events means only the following unforeseeable events or their
consequences which occur while coverage is in effect under this Policy: a
change in plans by you, an Immediate Family Member traveling with you, or
Traveling Companion resulting from one of the following events which occurs
while coverage is in effect under this Policy:
(a) being directly involved in a documented traffic accident while en route
to departure;
(b) being hijacked, Quarantined, required to serve on a jury, or required by
a court order to appear as a witness in a legal action, provided you, an
Immediate Family Member traveling with you or a Traveling Companion is not:
1) a party to the legal action, or 2) appearing as a law enforcement officer;
(c) having your Home made uninhabitable by fire, flood, volcano, earthquake,
hurricane or other natural disaster;
(d) Your involuntary termination of employment or layoff which occurs after
your effective date of coverage. You must have been continuously employed
with the same employer for 1 year prior to the termination or layoff. This
provision is not applicable to temporary employment, independent contractors
or self- employed persons.
PART B. MEDICAL PROTECTION
Medical Expense/Emergency Assistance Benefits
We will pay this benefit, up to the amount on the Schedule for the following
Covered Expenses incurred by you, subject to the following: 1) Covered
Expenses will only be payable at the Usual and Customary level of payment; 2
) benefits will be payable only for Covered Expenses resulting from a
Sickness that first manifests itself or an Injury that occurs while on a
Covered Trip; See more
We will pay that portion of Covered Expenses which exceed the amount of
benefits payable for such expenses under your Other Valid and Collectible
Group Insurance.
Covered Expenses:
Medical Expense:
1. expenses for the following Physician-ordered medical services: services
of legally qualified Physicians and graduate nurses, charges for Hospital
confinement and services, local ambulance services, prescription drugs and
medicines, and therapeutic services, incurred by you within one year from
the date of your Sickness or Injury;
2. expenses for emergency dental treatment incurred by you;
Emergency Evacuation:
3. expenses incurred by you for Physician-ordered emergency medical
evacuation, including medically appropriate transportation and necessary
medical care en route, to the nearest suitable Hospital, when you are
critically ill or injured and no suitable local care is available, subject
to the Program Medical Advisors prior approval;
4. expenses incurred for non-emergency medical evacuation, including
medically appropriate transportation and medical care en route, to a
Hospital or to your place of residence, when deemed medically necessary by
the attending Physician, subject to the Program Medical Advisors prior
approval;
5. expenses for transportation not to exceed the cost of one round-trip
economy class air fare to the place of hospitalization for one person chosen
by you, provided that you are traveling alone and are hospitalized for more
than 7 days;
6. expenses for transportation not to exceed the cost of one-way economy
class air fare to your place of residence, including escort expenses if you
are 25 years of age or younger and left unattended due to the death or
hospitalization of an accompanying adult(s), subject to the Program Medical
Advisors prior approval;
7. expenses for one-way economy class air fare to your place of residence,
from a medical facility to which you were previously evacuated, less any
refunds paid or payable from your unused transportation tickets, if these
expenses are not covered elsewhere in the plan.
Repatriation:
8. repatriation expenses for preparation and air transportation of your
remains to your place of residence, or up to an equivalent amount for a
local burial in the country where death occurred, if you die while on your
Covered Trip.
Losses Not Covered:
We will not pay Medical Expense/Emergency Assistance Benefits if your
Covered Trip destination is traveling to your Home and the Covered Trip is
longer than 31 consecutive days. In no event will all benefits paid for
Emergency Evacuation expenses exceed the coverage limit of $15,000.
Please Note: In no event will all benefits paid for Repatriation expenses
exceed the coverage limit of $15,000.
PART C. BAGGAGE PROTECTION
Baggage and Personal Effects Benefit
We will reimburse you, less any amount paid or payable from any other valid
and collectible insurance or indemnity, up to the amount shown in the
Schedule, for direct loss, theft, damage or destruction of your Baggage.
See more
Valuation and Payment of Loss
Payment of loss under the Baggage and Personal Effects Benefit will be
calculated based upon an Actual Cash Value basis. For items without receipts
, payment of loss will be calculated based upon 80% of the Actual Cash Value
at the time of loss. At our option, we may elect to repair or replace your
Baggage. We will notify you within 30 days after we receive your proof of
loss.
We may take all or part of a damaged Baggage as a condition for payment of
loss. In the event of a loss to a pair or set of items, we will: 1) repair
or replace any part to restore the pair or set to its value before the loss;
or 2) pay the difference between the value of the property before and after
the loss.
Items Subject to Special Limitations
We will not pay more than $500 (or the Baggage and Personal Effects limit,
if less) on all losses to jewelry; watches; precious or semi-precious gems;
decorative or personal articles consisting in whole or in part of silver,
gold, or platinum; cameras, camera equipment; digital or electronic
equipment and media; and articles consisting in whole or in part of fur.
There is a $200 per article limit.
PART D. TRAVEL ACCIDENT PROTECTION
Accidental Death and Dismemberment
Air Common Carrier Benefits We will pay this benefit up to the amount on the
Schedule if you are injured in an Accident which occurs: 1) while a
passenger in or on, boarding or alighting from an Air Common Carrier; or 2)
being struck or run down by an Air Common Carrier of a regularly scheduled
airline or an air charter company that is licensed to carry passengers for
hire, while you are on a Covered Trip and covered under the plan, and you
suffer one of the losses listed below within 365 days of the Accident. The
Principal Sum is the benefit amount shown on the Schedule. See more
Loss:Percentage of Principal Sum Payable:
Life100%
Both Hands; Both Feet or Sight of Both Eyes100%
One Hand and One Foot100%
One Hand and Sight of One Eye100%
One Foot and Sight of One Eye100%
One Hand; One Foot or Sight of One Eye50%
If you suffer more than one loss from one Accident, we will pay only for the
loss with the larger benefit. Loss of a hand or foot means complete
severance at or above the wrist or ankle joint. Loss of sight of an eye
means complete and irrecoverable loss of sight.
PART E. WORLDWIDE EMERGENCY ASSISTANCE (On Call International)
Not a care in the world… when you have our 24/7 global network to assist
you
* CareFree™ Travel Assistance
* Medical Assistance
* Emergency Services |
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