MHG Individual Travel Insurance

Individual Travel

Individual Travel Insurance

Traveling abroad for business or pleasure can be an exciting experience; however, a medical emergency can arise at anytime. In most cases, your existing medical policy may not offer adequate coverage while you are away from home and the lack of appropriate insurance could expose you to serious financial liability. Travel insurance provides coverage for emergency medical treatment, emergency medical evacuation to the nearest qualified hospital and a number of other benefits. Each plan offers a complete package of international benefits available 24 hours a day.

Plan features may include:

Coverage for all nationalities traveling outside their home country from five days up to a maximum of one year
Emergency air/ground transportation to the nearest qualified hospital
Complications of pregnancy
Acute onset of pre-existing conditions
Optional coverage for extreme sports
Choice of maximum limits and deductibles
Repatriation of remains in the event of a covered injury or illness
Emergency dental treatment
Next day coverage

Luxury Yacht Crew: For yacht crew members needing coverage while in between employment contracts, a travel policy may provide the right coverage for you.

Traveling to Europe? If you are traveling to Europe and you are not a citizen of a European country, you may need to obtain a Schengen Visa. During the visa process you will be asked to provide a confirmation letter from the insurance company stating you have a minimum of USD 50,000 in medical coverage. The insurers below are used to working with embassies and consulates around the world and can provide the required letter needed to obtain a visa.


Individual Travel Insurance

Plan/Provider	Benefits at a glance	Details

Atlas	Covers all nationalities traveling outside their home country from five days up to a maximum of one year USD 1,000,000 Certificate Period maximum Emergency air/ground transportation to the nearest qualified hospital Repatriation of remains in the event of a covered injury or illness Emergency dental treatment to a maximum benefit of USD 100 Treatment of complications during the first 26 weeks of pregnancy Pre-trip health and safety advisories – Current passport, visa, inoculation and vaccine requirements as well as travel safety advisories Emergency message relay to your family, friends and co-workers, helping you to maintain contact during an emergency Your choice of deductible (USD 0, USD 100, USD 250, USD 500, USD 1,000 or USD 2,500) Extreme sports rider optional Lost passport or travel documents assistance Next day coverage available	View Brochure Get Quote

Patriot	Covers all nationalities traveling outside their home country from five days up to a maximum of one year Emergency dental treatment to a maximum benefit of USD 100 Emergency air/ground transportation to the nearest qualified hospital Your choice of deductible (USD 0, USD 100, USD 250, USD 500, USD 1,000 or USD 2,500) Identity theft assistance Extreme sports, leisure sports and return rider (provides temporary medical coverage for non US citizens returning to their country of citizenship) optional Option to add trip cancellation insurance (includes financial default of airline) Next day coverage available	View Brochure Get Quote

Atlas Professional	12 month comprehensive medical policy with coverage for multiple trips of 30 days duration or less USD 250 Deductible per person, per trip USD 1,000,000 Certificate Period Maximum Emergency air/ground transportation to the nearest qualified hospital Repatriation of remains in the event of a covered injury or illness Emergency dental treatment to a maximum benefit of USD 100 Treatment of complications during the first 26 weeks of pregnancy Extreme sports and terrorism riders optional Pre-trip health and safety advisories – Current passport, visa, inoculation and vaccine requirements as well as travel safety advisories Next day coverage available	View Brochure Get Quote

Patriot Executive	12 month comprehensive medical policy with coverage for multiple trips of 30 days duration or less USD 250 Deductible per each covered illness USD 1,000,000 Certificate Period Maximum Emergency air/ground transportation to the nearest qualified hospital Repatriation of remains in the event of a covered injury or illness Emergency dental treatment to a maximum benefit of USD 100 Includes terrorism and extreme sports coverage Pre-trip health and safety advisories – Current passport, visa, inoculation and vaccine requirements as well as travel safety advisories Next day coverage available	View Brochure Get Quote

Patriot Extreme	Designed for the international traveler who engages in extreme sports USD 50,000 Policy Maximum USD 250 deductible per period of coverage Covers injuries incurred during non-contact amateur athletic activities such as bungee jumping, caving, scuba diving (to 50m) and skydiving. See brochure for full list Emergency evacuation and reunion, return of remains and political evacuation included Medical benefits include hospital room and board, intensive care, medical expenses, emergency room accident, emergency illness, dental injury due to accident Next day coverage available	View Brochure Get Quote

Short-term medical with home country coverage
HCC Life STM	Short Term Medical insurance (USA only) for US as well as international citizens (no SSN required) Coverage period from 30 to 180 or 365 days (depending in state) Maximum limit of USD 1,000,000 or USD 2,000,000 per policy period Choice of deductibles starting from USD 250 per period Above the deductible, plans pays 80% or 50% of eligible expenses (depending on option selected) Freedom to choose any doctor or hospital within the USA USD 50 co-pay for urgent care visits, not subject to deductible Available in most states Immediate online policy confirmation Next day coverage available	View Brochure Get Quote

Secure STM	Short Term Medical insurance (USA only) for US citizens and/or residents with a SSN (e.g. for between jobs or while on temporary work assignments in the US) Coverage period from 30 to 180 or 365 days (depending in state) Maximum limit of USD 2,000,000 per policy period Above the deductible, plan pays 80% or 50% of eligible expenses (depending on option selected) Freedom to choose any doctor or hospital within the USA Includes limited cover for AIDS where diagnosed during period of cover Organ, tissue and bone marrow transplants up to USD 150,000 per policy period Access to discounted chiropractic and dental treatment (not reimbursed by insurance) Available in all states except CT, MA, NJ,NY, VT and WA (pending) – subject to future update Next day coverage available	View Brochure Get Quote

Trip Cancellation Insurance

Patriot Trip	Trip Cancellation/Interruption up to USD 20,000 per person due to: Your emergency illness, injury or death, or that of a family member, a business partner, a travel companion, or a travel companion's family member Financial default of a travel supplier A terrorist incident Organized labor strike, natural disaster or bad weather resulting in the cessation of the travel supplier's services Jury duty Employer termination or layoff Your home or that of a travel companion made uninhabitable by fire, windstorm, vandalism or flood Travel Delay up to USD 500 per person: Travel supplier delay Lost or stolen passport, travel documents or money Natural disaster Missed cruise departure because of flight delay due to bad weather Your injury or illness or that of your travel companion Baggage and Personal Possessions up to USD 1,000 per person Damage to, loss of or theft of your checked or stored baggage by a common carrier or while stored in your hotel Baggage Delay up to USD 100 per person, Emergency Medical/Dental Expenses up to USD 10,000 per person, Emergency medical evacuation/repatriation, Emergency reunion or return of mortal remains and Common carrier accidental death and dismemberment	View Brochure Get Quote