Coverage in the United States is restricted to medical emergencies, accident-related treatment, and acute worsening of existing conditions. Planned or elective treatments are not covered. Coverage applies for a maximum of 60 cumulative days per calendar year. If an insured event begins before the 60-day limit is reached, coverage for that specific event continues until you are medically fit for repatriation or discharge.
Am I covered when I travel to the United States?
Yes, but coverage in the United States is significantly more limited than in other countries. The United States is the only destination where specific restrictions apply to both the type of treatment covered and the number of days per year you are covered. These restrictions apply regardless of the purpose of your stay or whether the United States is your home country.
What types of medical treatment are covered in the United States?
In the United States, coverage is restricted to the following:
Medical emergencies
Medically necessary treatment as the direct consequence of an accident
Acute worsening of an existing condition that requires immediate treatment
Planned, foreseeable, or elective treatments in the United States are not covered under any circumstances.
How many days per year am I covered in the United States?
Coverage in the United States applies for a maximum of 60 days per person per calendar year. This is counted as a cumulative total across all trips to the United States within the same calendar year. Once you have spent 60 days in the United States in a given calendar year, no new insured events in the United States are covered for the remainder of that year.
What happens if I am still receiving treatment when the 60-day limit is reached?
If an insured event commenced before the 60-day limit was reached, coverage for that event continues until you are medically fit for repatriation or discharge. This continuation of coverage is conditional on your cooperation with any repatriation arranged by us.