TravelGap® Voyager Insurance
TravelGap® Voyager Insurance is a travel insurance plans that provides medical benefits while a person is temporarily away from Home. This Plan provides short-term, comprehensive medical coverage along with 24/7 Global Medical Assistance and travel assistance services.
| Policy Maximum |
TravelGap® Voyager Insurance provides a Policy Maximum of $50,000, $100,000, $500,000 or $1,000,000 per Insured Person |
| Deductible |
$0, $100, $250 or $500 per Insured Person per Trip Period |
| Co-insurance |
- Outside the U.S. and Canada:
For the Certificate Period, TravelGap® Voyager Insurance will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
- In USA:
For the Certificate Period, TravelGap® Voyager Insurance will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
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| Coverage Options |
Plan offers Medical expense coverage, Medical evacuation and Repatriation, Accidental Death benefit, Allowance for Trip Interruption |
| Plan Life |
Coverage for any one trip may not exceed 180 days. |
| Underwriter |
HM Life Insurance Company, Pittsburgh, PA, NAIC # 0812-93440 or HM Life Insurance Company of New York, New York, NY, NAIC # 0812-60213 under policy form series HM207-SI, HM207-TH or HM207-EH GC. |
| Claims Administrator |
The insurer may use a third party administrator to perform some duties of the insure on behalf of the insurer. The participant will be notified of the Administrator |
Eligibility:
An Eligible Participant or an Eligible Dependent must meet all of the following requirements. Must be:
- a resident of the U.S.
- under Age 75.
- Is traveling outside the U.S. and is traveling at least 24 hours away from his/her Home.
Each Eligible Participant's and his/her Eligible Dependent's Period of Insurance starts on the latest of the following:
- The Plan Effective Date;
- 12:00:01am on the date or the postmark of the enrollment received by the Insurer;
- 2:00:01 am on the date designated by the Eligible Participant in the enrollment form, if that date is after the Insurer receives the enrollment form.
- 12:00:01 am on the date designated by the Group of which the Eligible Participant is a member...
The Insured Person's coverage ends without notice from the Insurer on the earlier of:
- the end of the last period for which premium payment has been made to the Insurer;
- the date the Plan terminates;
- the date the Maximum Period of Insurance Benefit of the Plan has been exhausted;
- the date of fraud or misrepresentation of a material fact by the Insured Participant, except as indicated in the Time Limit on Certain Defenses provision
Plan Benefits:
TravelGap® Voyager Insurance offers a broad range of benefits including:
- Professional Services of Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab Office Visits: including X-rays and lab work billed by the attending physician.
- Inpatient Hospital Services
- Ambulatory Surgical Center
- Ambulance Service (non Medical Evacuation)
- Benefits for claims resulting from downhill (alpine) skiing and scuba diving
- Outside the U.S. Outpatient prescription drugs
- Dental Care required due to an Injury
- Dental Care for Relief of Pain
- Accidental Death And Dismemberment
- Repatriation Of Remains
- Medical Evacuation
- Bedside Visit
Remarks:
- PPO Network: Insured members can select any hospital or physician of their choice.
- Renewal: Coverage for any one trip may not exceed 180 days. You can purchase a new policy if you have been abroad for more than 6 months.
- Cancellation: If you are not completely satisfied with the plan, simply return your Certificate of Insurance and your ID Card to HTH within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left for your trip before the date of your letter, you will receive a full refund.
Resources:
International Travel guidelines issued by the US State Department of Travel.
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