Designed Expressly for International Trips
For many people engaged in business development, education and research, cultural exchange or even leisure travel, trips outside the Home Country often account for the majority of travel activity.
While abroad, travelers can face a variety of considerations. Cultural differences, language barriers, delivery of services and legal requirements in foreign countries can present difficult challenges in an emergency.
Gateway Global is insurance for frequent international travelers on short-term or extended trips. There are no pre-trip arrangements or requirements for advance notification.
Insurance for Accidental Death and Dismemberment, Emergency Medical Evacuation and Repatriation are part of Gateway Global's basic features. The Plan also includes international assistance services.
Eligibility Requirements
Eligibility for Gateway Global requires the insured(s) to meet all of the following conditions:
Plan 1
- Under age 70
- Take multiple trips during the year
- Each trip is 45 consecutive days or less
- Travel is outside the Home Country/Country of Residence and the United States
Plan 2
- Under age 70
- Take one or more international trips during a 6 or 12 month period
- Each trip is more than 45 consecutive days
- Travel is outside the Home Country/Country of Residence
Spouse and/or unmarried dependent children (over 14 days and up to age 19, or up to age 23 if a full-time student at an accredited institution of higher learning) are also eligible if they meet the requirements outlined above and the Family Plan is selected on the Application form.
A trip begins upon departure from the Home Country/Country of Residence and ends upon return to the Home Country/Country of Residence. Each trip may include one or more countries in the itinerary.
If the Home Country is different from the Country of Residence, there is no coverage in either location.
For the purpose of this Plan, the United States means the 48 contiguous states, plus Alaska, Hawaii, and the District of Columbia.
Home Country and Country of Residence Defined
- Home Country is the country from which the Insured Person holds a passport.
- Country of Residence is the country where the Insured Person maintains a primary permanent residence.
Plan Features
Global 1 (Annual Plan) - Plan Overview
- Accidental Death & Dismemberment (AD&D): $200,000 Principal Sum
- Emergency Medical Evacuation: Unlimited
- Repatriation of Remains: Unlimited
- Return of Minor Children: $5,000
- Political Evacuation and Repatriation: $10,000
- Worldwide Travel & Medical Assistance Services: Included
- Additional Coverage Options
- Increase AD&D Principal Sum in increments up to $1,000,000
- Add Insurance for Medical Expenses
- Medical Expense Maximum - $25,000 or $100,000
- $300 Deductible per person, per Period of Coverage
The Description of Coverage section provides details about all Plan features.
Global 2 (6-Month or Annual Plan) - Plan Overview
- Accidental Death & Dismemberment (AD&D): $200,000 Principal Sum
- Emergency Medical Evacuation: $100,000
- Return of Minor Children: $5,000
- Repatriation of Remains: $30,000
- Worldwide Travel & Medical Assistance Services: Included
The Description of Coverage section provides details about all Plan features.
Period of Coverage
The Period of Coverage begins upon departure from the Home Country/Country of Residence and ends upon return to the Home Country/Country of Residence.
Effective Date and Expiration Date of Insurance
The Effective Date of insurance is the latest of these dates:
- The date the Administrator receives and accepts the Application and premium
- The date requested on the Application
Plan 1 - Expiration Date of insurance is the latest of these dates:
- 12 months following the Effective Date unless the Plan is renewed
- The end of a Period of Coverage for a trip that commenced prior to the Plan's Expiration Date
Plan 2 - Expiration Date of insurance is
- 12 months following the Effective Date unless the Plan is renewed (Annual Plan)
- 6 months following the Effective Date (6-Month Plan)
Renewal
If you are enrolled in an Annual Plan, insurance can be renewed. A renewal notice is automatically sent to the mailing address on file 45 days prior to the Expiration Date. To renew the insurance, eligibility requirements must continue to be met and the Administrator must receive the Renewal Form with premium payment on or before the Expiration Date of insurance.
Accidental Death & Dismemberment (AD&D)
If an injury occurs during the Period of Coverage and results in one of the following losses within 365 days after an accident, the Plan will pay for the loss as follows:
Table of Losses Insured Spouse Each Child
Loss of life 100% of Principal Sum $100,000 $5,000
Loss of two members 100% of Principal Sum $100,000 $5,000
Loss of one member 50% of Principal Sum $50,000 $2,500
Loss of speech and hearing 100% of Principal Sum $100,000 $5,000
Loss of speech or hearing 50% of Principal Sum $50,000 $2,500
Loss of thumb and index finger
of the same hand 25% of Principal Sum $25,000 $1,250
Quadriplegia 100% of Principal Sum $100,000 $5,000
Paraplegia 75% of Principal Sum $75,000 $3,750
Hemiplegia 50% of Principal Sum $50,000 $2,500
Uniplegia 25% of Principal Sum $25,000 $1,250
"Member" means hand, foot or eye. The term "loss" means with regard to hands and feet, actual severance through or above wrist and ankle joints and with regard to eyes, entire and irrecoverable loss of sight. With regard to speech, loss must be entire and irrecoverable, and with regard to hearing, the loss must be entire and irrecoverable in both ears. "Quadriplegia" means the complete and irreversible paralysis of both upper and both lower limbs. "Paraplegia" means the complete and irreversible paralysis of both lower limbs. "Hemiplegia" means the complete and irreversible paralysis of the upper and lower limbs of the same side of the body. "Uniplegia"means the complete and irreversible paralysis of one limb. "Limb" means entire arm or entire leg. Only one amount, the largest to which the Insured Person is entitled, is paid for all losses resulting from one accident. In the event of a loss, benefits will be paid according to the Principal Sum selected on the Application.
Exclusions
For Accidental Death and Dismemberment, this insurance does not cover losses resulting from:
a) intentionally self-inflicted injury, suicide while sane or attempted suicide while insane; b) war or any act of war, declared or undeclared, or service in the military, naval or air service of any country; or c) piloting or acting as a crew member or riding in any aircraft except as a fare-paying passenger on a scheduled airline;
a) illness, disease, pregnancy, childbirth, miscarriage or any bacterial infection other than one occurring from an accidental cut or wound; or b) hernia.
Emergency Medical Evacuation Expenses
If injury or illness commencing during the Period of Coverage warrants immediate transportation to the nearest medical facility to obtain appropriate medical treatment, or if after being treated at a local hospital, the condition warrants transportation to the Home Country/Country of Residence for further medical treatment or to recover, or both, all eligible expenses incurred are covered. An emergency evacuation must be recommended by a legally licensed attending physician who certifies that the severity of injury or illness necessitates such emergency evacuation and must be agreed upon by you or your representative. In the event this coverage is needed, arrangements are made by the Assistance Services provider.
If an Insured Person is hospitalized for more than 7 days following a covered emergency evacuation and is receiving care outside the Home Country/Country of Residence, the Plan will pay up to the cost of round-trip economy airfare to bring a person chosen by the Insured Person to and from his/her bedside, if the Insured Person is not accompanied by immediate family. These transportation arrangements must be authorized in advance and arranged by the Assistance Services provider.
Return of Minor Child(ren)
If an adult insured is traveling alone with a Minor Child(ren) up to the age of 18 and is hospitalized because of a covered illness or injury and the minor children are left unattended, the Plan will arrange and pay for one-way economy fares (less the value of applied credit from any unused travel tickets per person) to their Home Country/Country of Residence, not to exceed the maximum amount of $5,000. These arrangements will be made at no cost to you. If an attendant/escort is necessary to ensure the safety and welfare of Minor Child(ren), the Plan will arrange and pay for these services. All arrangements must be made by the Assistance Services provider.
Repatriation of Remains Expenses
If injury or illness commencing during the Period of Coverage results in death, all reasonable expenses incurred for preparation and return of the remains to the Home Country/Country of Residence are covered. In the event this coverage is needed, arrangements are made by the Assistance Services provider.
Exclusions
For Emergency Medical Evacuation and Repatriation, this insurance does not cover:
Expenses incurred as a result of or in connection with a) declared or undeclared war or any act thereof; b) injury sustained while participating in professional sports; c) intentionally self-inflicted injury, suicide while sane or attempted suicide while insane; commission of a felony; d) professional racing, participation in contests of speed, or piloting an aircraft; e) pregnancy, except complications of pregnancy; f) alcoholism or drug addiction.
Political Evacuation and Repatriation (applicable to Global 1 Plan only)
If, due to political or military events in a Host Country, a formal recommendation from the appropriate authorities is issued for the Insured Person to leave the Host Country or if the Insured Person is expelled or declared persona non-grata by the Host Country, all reasonable expenses incurred for transportation to the nearest place of safety or for repatriation to the Insured Person's Home Country/Country of Residence are covered up to a maximum of $10,000. Evacuation must occur within 10 days of any such event. Coverage will apply to the most appropriate and economical means consistent under the circumstances with the Insured Person's health and safety. Evacuation costs will be paid once per person per occurrence. In the event this coverage is needed, arrangements must be made by the Assistance Services provider.
Exclusions
For Political Evacuation and Repatriation, this insurance does not cover:
- Losses recoverable under any other insurance or through an employer;
- Losses arising from or attributable to a) dishonest or criminal acts committed or attempted by you, b) alleged violation of the laws of the Host Country, unless the company determines such allegations to be fraudulent, or c) failure to maintain required documents and visas;
- Losses attributable to a) debt, insolvency, commercial failure or the repossession of any property, b) your non-compliance with a contract or license, or c) implementation of legally constituted exchange rates;
- Losses due to liability assumed by you under any contract.
- Medical Expenses - Optional (applicable to Global 1 Plan only)
If accidental injury or emergency illness occurs during the Period of Coverage, the Plan will pay, subject to a $300 Deductible, reasonable and customary charges for Covered Medical Expenses resulting from such occurrence, up to the Medical Expense Maximum selected, $25,000 or $100,000. Only those expenses specifically described below which are incurred within the Maximum Coverage Period (13 weeks from the onset of an injury or emergency illness) and which are not Excluded (see Exclusions section) are considered Covered Medical Expenses. Initial treatment of an injury or emergency illness must occur within 72 hours of the accident or onset of emergency illness, defined as a condition requiring immediate care and/or hospitalization.
- Charges made by a hospital for room and board, floor nursing and other services, exclusive of charges for professional services and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the hospital's average charge for a semiprivate room and board accommodation, or intensive care when medically necessary;
- Charges made for physician's diagnosis, treatment and surgery;
- Charges made for the cost and administration of anesthetics;
- Charges for medication, X-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, and medical treatment;
- Charges for physiotherapy, if recommended by a physician, for the treatment of a specific disablement and administered by a licensed physiotherapist;
- Dressings, drugs and medicines that can only be obtained upon the written prescription of a physician or surgeon.
The charges listed above shall in no event include any amount of such charges which are in excess of reasonable and customary charges.
Exclusions
For Medical Expenses, this insurance does not cover:
- Pre-existing Conditions, defined as any injury or any illness for which a licensed physician was consulted, or for which medical treatment or medication was prescribed within 12 months prior to the Insured Person's Effective Date of insurance under the Plan, except for conditions that remained controlled by prescribed medication as long as the prescribed drugs and medicine (maintenance prescriptions) did not change during the 12 months prior to the Effective Date of insurance. The costs of the maintenance prescriptions, which were required or continued during the Period of Coverage, are not a Covered Medical Expense;
- Services, supplies or treatment, including any period of hospital confinement, which are not recommended, approved and certified as necessary and reasonable by a physician, or expenses which are non-medical in nature;
- Expenses incurred as a result of or in connection with a) declared or undeclared war or any act thereof; b) injury sustained while participating in professional sports, sponsored scholastic or amateur athletics, which are defined as organized sports activities associated with a team, league or similar group; c) intentionally self-inflicted injury, suicide while sane or attempted suicide while insane; d) scuba diving, mountain climbing, sky diving, professional or amateur racing, piloting an aircraft; or e) commission of a felony;
- Expenses for a) pregnancy, childbirth or miscarriage; b) routine physicals; c) cosmetic or plastic surgery, except as the result of an accident; d) elective surgery; e) any mental and nervous disorders or rest cures; f) dental care, except as the result of injury to natural teeth caused by accident; g) eye refractions or eye examinations for the purpose of prescribing corrective lenses for eye glasses or for the fitting thereof, unless caused by accidental bodily injury incurred while insured; h) alcoholism or drug addiction or use of any drug or narcotic agent; or i) treatment by a family member;
- Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through an employer to the extent so furnished or paid or under any mandatory government program or facility set up for treatment without cost to any individual.
- Loss or expense caused by, contributed to, or resulting from any loss that occurs while traveling or enrolling solely for the purpose of obtaining medical treatment, while on a waiting list for a specific treatment, or while traveling against the advice of a physician.
Assistance Services
Assistance services are provided by AIGAssist (AIG International Services).
Eligibility for any of the assistance services outlined below is effective once insured. Services can be accessed 24 hours a day, 7 days a week.
- Pre-Departure Services - information on immunization requirements, passport and visa requirements.
- Travel Medical Emergency Services - help in obtaining local medical care, in arranging special medical services when traveling; medical case monitoring; arranging communication between patient, family, physicians, employer, consulate; health information and precautions for medically remote or underserved areas; guarantee payment for medical care using traveler's financial resources.
- Medical Evacuation - coordinate and arrange for medical transportation if traveler becomes injured or seriously ill and needs to be evacuated to an appropriate medical treatment facility.
- Repatriation - coordinate the return of remains to the Home Country/Country of Residence if death occurs while traveling.
- Emergency Travel Assistance - advice on handling losses and delays; help with lost passports, tickets and documents; advice on filing insurance claims; relaying emergency messages.
- Travel Emergency Legal Assistance - arranging for traveler to obtain needed help from local attorneys, embassies and consulates.
Refund of Premium
Full refund of premium is considered only upon written request received by the Gateway Administrator prior to the Effective Date of insurance. Premium is considered fully earned after the Effective Date of insurance under the Plan. Partial refund is not available.
Plan Underwriter
The Gateway Plans are underwritten by the Insurance Company of the State of Pennsylvania, a Pennsylvania insurance company, with its principal place of business at 70 Pine Street, New York, New York 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19429. The Insurance Company of the State of Pennsylvania is a member of the American International Group of Companies (AIG).