Travelers Trust

Overall Maximum Coverage Limit:

Age 80 or older: $10,000

• Age 70 to 79: $50,000, $100,000, or $250,000
• All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Maximum Coverage Limit per Injury or Illness:

Age 80 or older: $10,000

• Age 70 to 79: $50,000, $100,000, or $150,000
• All others: $50,000, $100,000, $250,000, $500,000, $1,000,000, or $2,000,000

Coinsurance:

Underwriters will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Deductibles:

$0, $100, $250, $500, $1,000, $2,500 or $5,000 per Certificate Period. Underwriters will pay 100% of eligible expenses after the deductible up to the overall maximum limit.

Hospital Room and Board:

Average Semi-private-room rate, including nursing services.

Intensive Care Unit:

Up to the overall maximum charges.

Outpatient Treatment:

Up to the overall maximum charges.

All Other Eligible Expenses:

Up to the overall maximum charges.

Acute Onset of Pre-existing Condition:

Overall Maximum Limit (excludes chronic and congenital conditions). Only available to those under the age of 80.

• Age 70 to 79: Up to the overall maximum limit or $100,000, whichever is lower
• Under age 70: Up to the overall maximum limit
• Up to $25,000 lifetime maximum for Emergency Medical Evacuation

Emergency Dental - Acute onset of pain:

Accident: Overall Maximum Limit
Acute Onset of Pain: $300 limit per Certificate Period
(not subject to Deductible)

Local Ambulance:

Usual, reasonable and customary charges, when covered illness or injury results in inpatient hospitalization.

Emergency Medical Evacuation:

$1,000,000 Maximum Lifetime Limit, except as provided under Acute Onset of Pre-existing Condition (not subject to Deductible)

Repatriation of Remains:

Up to the overall maximum limit. (not subject to Deductible). This limit is for this benefit only and is not included in or subject to the overall maximum limit.

Emergency Reunion:

Up to $100,000, subject to a maximum of 15 days (not subject to Deductible)

Trip Interruption:

Up to $10,000 (not subject to Deductible)

Lost Checked Luggage:

$1,000 limit per Certificate Period (not subject to Deductible)

Hospital Indemnity:

$100 per day of inpatient hospitalization (not subject to Deductible)

Terrorism:

$50,000 Maximum Lifetime Limit (Eligible Medical Expenses only)

Accidental Death and Dismemberment:

Excludes loss due to common carrier accident. $250,000 maximum benefit for any one family or group. Not subject to deductible or overall maximum limit.

Members under age 18:

• Lifetime Maximum - $5,000
• Death - $5,000
• Loss of 2 limbs - $5,000
• Loss of 1 limb - $2,500

• Members 18 - 69:
• Lifetime Maximum - $25,000
• Death - $25,000
• Loss of 2 limbs - $25,000
• Loss of 1 limb - $12,500

• Members age 70—74:
• Lifetime Maximum - $12,500
• Death - $12,500
• Loss of 2 limbs - $12,500
• Loss of 1 limb - $6,250

• Members age 75 and older:
• Lifetime Maximum - $6,250
• Death - $6,250
• Loss of 2 limbs - $6,250
• Loss of 1 limb - $3,125

Common Carrier Accidental Death:

Not subject to Deductible or Coinsurance - Members under age 18: $10,000, Members age 18 - 69: $50,000, Members age 70 - 74: $25,000, Members age 75 and older: $12,500. $250,000 Maximum per family. Not subject to deductible or overall maximum limit.

Sports Coverage:

Injuries due to non-contact and non-organized amateur sports and athletic activities (see also sports in Exclusions)

Physical Therapy and Chiropractic

$50 per day (must be ordered by physician)

All Other Eligible Medical Expenses:

Up to the overall maximum charges

Natural Disater - Replacement Accomodation

Maximum $250 per day for 5 days (not subject to Deductible)

Political Evacuation:

$10,000 Maximum Lifetime Limit (not subject to Deductible)

Return of Minor Children

$50,000 limit per Certificate Period (not subject to Deductible)

Local Burial or Cremation:

Up to the overall maximum limit (not subject to Deductible)

Pet Return:

$1,000 per Certificate Period (not Subject to Deductible)

Crisis Response- Ransom, Personal Belongings, Crisis Response Fees and Expenses :

$10,000 Maximum benefit per Certificate Period (not Subject to Deductible)

Bedside Visit :

$1,500 per Certificate Period (not Subject to Deductible)