Travelers Trust

woman traveler

Travelers Insurance can make your trip abroad safer and more enjoyable. Low-cost premiums with great benefits have earned our insurance a 'thumbs-up' among businesspeople, holiday travelers and even exchange students! Trip interruption coverage, lost luggage, accidental death and dismemberment, medical emergency evacuation and much more...

Benefits & Limits

Deductibles:

$0, $100, $250, $500, $1,000 or $2,500 per Certificate Period.

Coinsurance - Claims incurred in the US or Canada:

For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit.

Coinsurance - Claims incurred outside the 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.

Outpatient Treatment:

Usual, Reasonable and Customary charges.

All Other Eligible Expenses:

Usual, Reasonable and Customary charges.

Acute Onset of Pre-existing Condition:

Overall Maximum Limit (excludes chronic and congenital conditions). $25,000 lifetime maximum for emergency medical evacuation. (Only available to Members under age 70)

Emergency Dental - Acute onset of pain:

Accident - Overall Maximum Limit
Acute Onset of Pain - $250 limit per Certificate Period
(not subject to Deductible or Coinsurance)

Local Ambulance:

Usual, Reasonable and Customary charges, when covered illness or injury results in inpatient hospitalization.

Emergency Medical Evacuation:

$1,000,000 Maximum Lifetime Limit, except as provided under Acute Onset of Pre-existing Condition (not subject to Deductible or Coinsurance)

Repatriation of Remains:

Overall Maximum Limit (not subject to Deductible or Coinsurance)

Emergency Reunion:

$50,000 limit per Certificate Period, subject to a maximum of 15 days (not subject to Deductible or Coinsurance)

Trip Interruption:

$5,000 limit per Certificate Period (not subject to Deductible or Coinsurance)

Lost Checked Luggage:

$500 limit per Certificate Period (not subject to Deductible or Coinsurance)

Hospital Indemnity:

$100 per day of inpatient hospitalization (not subject to Deductible or Coinsurance)

Terrorism:

$50,000 Maximum Lifetime Limit (Eligible Medical Expenses only)

Accidental Death and Dismemberment:

Members age 18 and older not subject to Deductible or Coinsurance

  • Lifetime Maximum - $25,000
  • 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

  • Members under age 18
  • Lifetime Maximum - $5,000
  • Death - $5,000
  • Loss of 2 limbs - $5,000
  • Loss of 1 limb - $2,500

$250,000 maximum benefit any one family

Common Carrier Accidental Death:

Not subject to Deductible or Coinsurance - Members under age 18: $25,000, Members age 18 - 69: $50,000, Members age 70 - 74: $12,500, Members age 75 and older: $6,250. $250,000 Maximum per family.

Sports Coverage:

Injuries due to non-contact and non-organized amateur sports and athletic activities (see also sports in Exclusions)

Physical Therapy and Chiropractic

$50 per day (must be ordered by physician)

Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment, Emergency Medical Evacuation and Common Carrier Accidental Death):

  • Age 70 to 79 - $50,000
  • Age 80 or older - $10,000 (Atlas International only)
  • All others - $50,000, $100,000, $200,000, $500,000, $1 Million or $2 Million.

All Other Eligible Medical Expenses:

Usual, Reasonable and Customary charges

Natural Disater Benefit

Maximum $100 per day for 5 days (not subject to Deductible or Coinsurance)

Political Evacuation:

$10,000 Maximum Lifetime Limit (not subject to Deductible or Coinsurance)

Return of Minor Children

$50,000 limit per Certificate Period (not subject to Deductible or Coinsurance)

Local Burial or Cremation:

$5,000 lifetime maximum (not subject to Deductible or Coinsurance)

Pet Return:

$1,000 per Certificate Period (not Subject to Deductible or Coinsurance )

Crisis Response- Ransom, Personal Belongings, and Crisis Response Fees and Expenses :

$10,000 Maximum benefit per Certificate Period (not Subject to Deductible or Coinsurance )

Bedside Visit :

$1,500 per Certificate Period (not Subject to Deductible or Coinsurance )

Travelers insurance plans by Travelers Trust feature low cost premiums with excellent medical benefits and coverage. When you traveling abroad, be sure you are protected with quality travelers insurance. Your life may depend on it.