Medical Expenses covers medical expenses within one year of injury incurred or sickness suffered during your trip; medical and surgical treatment by a licensed physician, professional nursing, hospital, x-ray, and ambulance services; and prosthetic devises. There is no daily limit on these expenses. If services provided are covered under any Worker's Compensation, disability law, or health or accident insurance policy, then the Insured shall assign to us his rights to those benefits, to the extent they are provided. Covers emergency dental treatment by a licensed dentist during your trip.

Special Medical Escort covers up to $5,000 for an escort if you are disabled and an escort is recommended in writing by a doctor. If services provided are covered under any Worker's Compensation, disability law, or health or accident insurance policy, then the Insured shall assign to us his rights to those benefits, to the extent they are provided.

Other Travel Services:
(Non-insurance services through Travel Guard®.)

• Livetravel - 24-hour hotline to make emergency travel changes, such as rebooking flights, hotel reservations, tracking lost luggage and more!
• Live Messaging - Relay of e-mail or phone message to family, friends, or business associates.
• Emergency Cash Transfer - Assistance in coordinating an emergency cash advance.
• Pre-Trip Travel Advice - Around-the-clock access to passport, visa, inoculation and vaccine requirements; travel advisories; embassy and consulate contracts; travel health advisories; weather and currency information - all for your planned destination.

Travel Guard® Assistance (TGA):

• 24-hour emergency hotline - Multilingual professionals are available 24 hours a day to provide help and advice with a medical or legal emergency.
• International Medical Assistance - If you are in need of medical attention, TGA will help you locate local physicians, dentists, or medical facilities. TGA will also monitor your condition and contact your personal physician and family if necessary.
• Medical Evacuation* - If you need to be transported to a different hospital or treatment facility, or back home, TGA will arrange for transportation and a special medical escort if required.
• Emergency Medical Payments* - If a hospital demands a cash deposit or you need to settle your bill prior to leaving, TGA will advance funds to cover on-site medical expenses.
• Telephone Interpretation Service - In a medical emergency, TGA provides interpretation services in major languages, and transmits urgent messages to family, friends, and business.
• Lost Documents - If your passport or other travel necessities are lost, TGA will help replace your lost items and provide other incidentals as may be required.
  
  * These services are payable up to the amount of coverage provided in your insurance policy provided by INSURE AMERICA.

Pre-Existing Medical Condition Exclusion Waiver
If insurance is purchased within 7 days of the initial trip payment, the Pre-Existing Condition Exclusion will be waived. This is applicable to all coverages contained in the policy. You must be medically able to travel when you pay your premium. In the event that a claim is filed, the injury or illness must be substantiated to Insure America's Claims Department.

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