TravelGap Excursion short term medical plan insures the health of the employee who must work outside of the United States for up to six months. This plan is the alternative to paying for an annual plan or risk going without medical coverage on that months long overseas assignment.

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Policy Maximum	TravelGap Excursion provides a Policy Maximum of up to $1,000,000
Deductible	$0, $100, $250, or $500 per Insured Person per Trip Period
Co-insurance	No co-insurance; After the deductible is satisfied, benefits are paid for covered expenses as per the defined medical benefits.
Coverage Options	Coverage is per trip not to exceed 180 days.
Plan Life	TravelGap Excursion is limited to 180 days outside of the US and is nonrenewable.
Underwriter	TravelGap Excursion is underwritten by HM Life Insurance Company and UNICARE Life and Health Insurance Company.
Claims Administrator	TravelGap Excursion is administered by HTH Worldwide

 

Eligibility:

An insured person must be a resident of the U.S. under age 85, traveling outside the U.S, scheduled to spend at least 24 hours away from his/her Home and enrolled in a primary health plan.

Trip Coverage Period Start Date: For a scheduled trip to a Foreign Country, the Insured Person's coverage starts when he/she boards a conveyance at the start of the trip.

Trip Coverage Period End Date: Coverage ends: (1) for a scheduled trip to a Foreign Country, when the Insured Person alights from a conveyance at the completion of the trip; or (2) if the Insured Person is covered under the Medical Evacuation Benefit, upon the Insured Person's evacuation to his/her Home Area.

Plan Benefits:

TravelGap Excursion offers a broad range of benefits including: