Deductibles: 

$100 or $250 per Certificate Period.

Coinsurance – Claims incurred outside US or Canada

For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.

Hospital Room and Board

Average Semi-Private room rate, including nursing services.

Intensive Care Unit

Usual, Reasonable and Customary charges.

All Other Eligible Expenses

Usual, Reasonable and Customary charges.

Emergency Dental (Acute Onset of Pain)

$100 limit per Certificate Period

Local Ambulance

Usual, Reasonable and Customary charges, when covered Illness or Injury results in hospitalization. 

Emergency Evacuation

Overall Maximum Limit

Repatriation of Remains

Overall Maximum Limit

Emergency Reunion

$10,000 limit per Certificate Period

Trip Interruption

$5,000 limit per Certificate Period

Lost Checked Luggage

$250 limit per Certificate Period (not subject to Deductible or Coinsurance)

Accidental Death and Dismemberment

Death - $25,000

Loss of 2 Limbs - $25,000

Loss of 1 Limb - $12,500

Benefits reduce 50% at age 70 and an additional 50% at age 75.

Common Carrier Accidental Death

$50,000

Hospital Pre-Notification Penalty

50% of Eligible Medical Expenses.

Optional Hazardous Sports Rider

$25,000 limit per Certificate Period

Overall Maximum Limit per Certificate Period  (includes all benefits except Accidental Death and Dismemberment and Common Carrier Accidental Death)

Age 80 or older:  $10,000. 

Age 70 to 79:  $50,000. 

All others: $50,000 or $100,000.