Definition: Emergency medical and dental benefits cover losses due to covered medical and dental emergencies that occur during your trip. By “losses,” we mean reasonable, medically necessary costs for medical or dental services, supplies and charges incurred for a covered health emergency.

Depending on the plan you choose, emergency medical benefits may be primary coverage with no deductible for emergency medical or dental benefits. Make sure to read your plan documents carefully for full details.

Example: During a yoga retreat in Santa Fe, you feel a sharp pain in your side that gets worse and worse. You call Assistance services or use the TravelSmart app to get help and find the closest pre-screened medical provider. The doctor diagnoses appendicitis and rushes you to the hospital for emergency surgery. Our award-winning Assistance team monitors your care and even advances payments to the hospital, up to the limit of your emergency medical/dental coverage. Your emergency medical or dental benefits can reimburse you for the covered costs of your emergency medical care, up to your plan limits.

Available in: OneTrip Basic Plan, OneTrip Prime Plan, OneTrip Premier Plan, OneTrip Emergency Medical Plan, AllTrips Basic, AllTrips Prime, AllTrips Executive, and AllTrips Premier

Epidemic Coverage Endorsement: While epidemics are generally excluded from travel insurance coverage, we are currently offering certain temporary accommodations for COVID-19 related claims. Also, some of our travel insurance plans now include the new Epidemic Coverage Endorsement, which adds covered reasons to select benefits for certain losses related to COVID-19 and any future epidemic. (Benefits vary by plan and are not available in all jurisdictions).

If your plan includes the Emergency Medical Care benefit and the Epidemic Coverage Endorsement, then you can be reimbursed for covered costs for emergency medical care during your trip for COVID-19 or another epidemic disease, up to your specific plan’s maximum limit for the Emergency Medical Care benefit.

Availability of Epidemic Coverage Endorsement, including specific benefits and covered reasons described here, varies by product and by state.  Products may not include all benefits or covered reasons described here. To see if your plan includes this endorsement and what it covers, please look for “Epidemic Coverage Endorsement” on your Declarations of Coverage or Letter of Confirmation. Terms, conditions and exclusions apply. Benefits may not cover the full cost of your loss.  All benefits are subject to maximum limits of liability, which may in some cases be subject to sublimits and daily maximums.

Learn more about the Epidemic Coverage Endorsement

Further Reading

• Do I Need Travel Insurance If I Have Health Insurance?
• Travel Insurance with Emergency Medical Benefits
• When Does Travel Insurance Cover Existing Medical Conditions?

See All Travel Insurance Benefits >>