Coverage

Coverage that doesn't quit
when things get real.

Up to $5 million in medical protection. Emergency evacuation home. Honest add-ons for the stuff that actually goes sideways on a trip — all in plain English, all in one place.

Read the full policy
$5M
Max medical coverage
(per person, up to age 70)
100%
Covered for emergency
illness, injury & surgery
🌍
Worldwide protection,
wherever you land
79
Max age at sign-up
(coverage continues to 80)
Medical care

Get sick or hurt? We've got the bill.

When it's serious, you get the full UCR (usual, customary & reasonable) cost covered — no nickel-and-diming when you're in a hospital bed.

Emergency illness & injury
100% covered
Full UCR coverage for anything urgent — food poisoning to broken bones.
Surgery & anesthesia
100% covered
Surgeon fees, anesthesiologist, the works. No surprise invoices.
Hospitalization
100% covered
Semi-private room, doctor & nurse care, prescriptions during your stay.
Doctors & specialists
100% covered
Authorized doctors, nurses, and specialists — wherever you are in the world.
Pre-existing conditions
Up to $500,000
Covered if stable for 6 months with no medication changes or new symptoms.
Physiotherapy
Up to $2,500 / trip
For recovery and rehab when you need to get back on your feet.
Emergency dental
Up to $500 / trip
Immediate pain relief — because a toothache on day two ruins everything.
Maternity complications
Up to $10,000
Through week 20 for normal pregnancies, week 12 for multiples or fertility-assisted.
Getting home safely

When you need out, we get you out.

Air ambulance, ground transport, repatriation. All the things that cost a small fortune if you're paying out of pocket.

Air ambulance
100% covered
Medical air evacuation, anywhere in the world. This single benefit can cost $100k+ uninsured.
Ground ambulance
100% covered
From the scene to the hospital — or hospital to hospital — fully covered.
Return flight home
100% covered
After a medical evacuation or repatriation, your trip home is on us.
Lodging during recovery
$300/day · max $6,000
Hotel costs while you recover from a serious illness or injury abroad.
Compassionate family visit
100% covered (1 person)
If you're seriously ill abroad, we'll fly a loved one out to be with you.
Repatriation of remains
100% covered
The worst-case is also fully covered — including transport home for a traveling companion.
Beyond the basics

Crisis support & adventure cover.

For the stuff that doesn't fit a normal medical claim — and the activities that make a trip worth taking.

Psychological support after a crime
$250 / incident
Counseling after a robbery, assault, or any traumatic incident on your trip.
Crisis & trauma counseling
$250 / incident
Other crisis situations — natural disasters, accidents, witnessed events.
Non-motorized sports
Up to $500,000
Hiking, surfing, skiing, climbing, diving — amateur level fully covered.
Motorized sports
Up to $100,000
ATVs, jet skis, snowmobiles — amateur, recreational use covered.
Optional add-ons

Want more? Bolt it on.

Optional protection for trip cancellations, lost stuff, legal headaches, and other surprises. Add any of these during checkout — easy.

Add-ons require the base plan. Pick and choose during your quote — you'll see the price impact before you commit.
Trip cancellation
Up to $2,500
Single trip protection if you have to cancel for a covered reason.
Personal accident
Up to $100,000
Lump sum for serious disability or accidental death during your trip.
Lost or stolen belongings
Up to $2,000
Personal effects — phones, cameras, clothes, the works.
Baggage delay
Up to $500
Cover for essentials when your bag takes the scenic route.
Trip delay
$100/day · max $500
Hotel, meals, and transport when your trip is unexpectedly delayed.
Missed connection
Up to $1,000
Rebooking, accommodation, and added expenses when your connection vanishes.
Hospital cash benefit
$50/day · max $2,000
Daily payout when you're hospitalized for 48+ hours — for incidentals.
Personal liability
Up to $100,000 each
Bodily injury and property damage you accidentally cause others.
Legal assistance
Up to $10,000
Legal help and bail bonds if you end up in a bind abroad.
Age & eligibility

Coverage by age.

Simple tiers based on your age at the time you buy. No surprise fine print at the back of the doc.

Age tier
Max medical coverage
Up to 69 years
$5,000,000
70 to 79 years
$500,000
Sign-up eligibility
Through age 79

Coverage adjusts at the next policy year after you turn 70.

Visa-ready for Europe. 🇪🇺

This plan meets and exceeds Schengen visa requirements — submit your policy doc directly with your application.

Want the boring-but-honest fine print?
The full policy document covers exclusions, claim procedures, and the legal stuff in detail.
Download policy PDF

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