Period of Coverage
Offered in 3, 6, and 12 month coverage periods. You will be covered anytime you are outside your Home Country or Country of Residence (unlimited number of trips)

Standard Program
This is the base program offered to international and frequent travelers. Maximums listed are per period of coverage.
Upgrade Options are available and described below.

Insurance Coverage	MAX Benefit per Person
24-Hour Accidental Death & Dismemberment (Option B - Increase AD&D Limits)	$100,000 (standard)
Emergency Medical Evacuation	$250,000
Repatriation of Mortal Remains	$20,000
Emergency Reunion	$20,000
Return of Minor Child(ren)	$5,000
Political Evacuation and Repatriation	$10,000
Trip Interruption	$5,000
Lost Baggage	$250
International Assistance Services	Included

Standard upgrade options
(may not be purchased seperate from Standard Program)

Insurance Coverage	MAX Benefit per Person
Option A - Add Medical Expenses	This provides accidental injury and emergency sickness benefits up to a maximum of $25,000 per policy period, excess of $350 per incident deductible. Medical benefit is not available for travel to the U.S. or for any one trip longer than 60 days. The Optional Medical Benefit is available for ages 65 and younger
Option B - Increase AD&D Limits	The AD&D Benefit can be increased from the Standard Issue $100,000 limit up to a maximum $1,000,000 for the Primary Insured. AD&D for spouses and dependents is limited to the amounts listed under the Program Summary.