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Voyager Annual Insurance
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This plan is specifically designed for U.S. residents who travel frequently for business or pleasure. Enroll just once a year and enjoy peace of mind knowing you have dependable medical coverage and assistance whenever you travel more than 100 miles from home. Go anywhere in the world, as often as you like, up to 90 days at a time. during the year with Voyager Insurance!
Voyager Annual Insurance Benefits
Voyager annual travel insurance is extremely flexible and a traveller has a choice of plan based on his needs and budget.
Schedule of Benefits
| Coverages |
Voyager Basic |
Voyager Plus |
Voyager Elite |
| |
| AD&D (24 Hrs): |
Choice of $25,000, $100,000, $300,000 and $500,000 |
Choice of $25,000, $100,000, $300,000 and $500,000 |
Choice of $25,000, $100,000, $300,000 and $500,000 |
| AD&D - Flight only: |
Choice of $100,000, $300,000 and $500,000 |
Choice of $100,000, $300,000 and $500,000 |
Choice of $100,000, $300,000 and $500,000 |
| Emergency Medical Evacuation: |
Choice of $25,000, $50,000, $100,000, $250,000 and $500,000 |
Choice of $25,000, $50,000, $100,000, $250,000 and $500,000 |
Choice of $25,000, $50,000, $100,000, $250,000 and $500,000 |
| Repatriation: |
$7,500 |
$7,500 |
$7,500 |
| Baggage Loss: |
$1,000 |
$1,000 |
$1,000 |
| Travel Delay: |
$100 Per Day/5 Day Max |
$100 Per Day/5 Day Max |
$100 Per Day/5 Day Max |
| Checked Baggage Delay: |
$500 |
$500 |
$500 |
Optional |
| Hazardous Activity: |
Covered if selected |
Covered if selected |
Covered if selected |
Eligibility Requirements
The following are eligible to enroll in the Voyager Insurance plan:
- All U.S. residents while traveling outside the U.S. and their country of citizenship if they are not a U.S. citizen.
- All U.S. residents traveling inside the United States.
Exclusions
For Medical Expenses, this insurance does not cover expenses incurred:
- For Pre-existing Conditions, defined as any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed within three years prior to the effective date of this insurance;
- For services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a Physician;
- For suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane;
- For declared or undeclared war or any act thereof;
- For injury sustained while participating in professional athletics;
- For sickness resulting from pregnancy, childbirth, or miscarriage;
- For miscarriage resulting from accident;
- For routine physicals or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations except in the course of a disability established by the prior call or attendance of a physician;
- For cosmetic or plastic surgery, except as the result of an accident;
- CFor elective surgery which can be postponed until the Insured returns to his/her country of residence;
- For any mental or nervous disorders or rest cures;
- For dental care, except as the result of Injury to natural teeth caused by accident;
- For eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or contact lenses or for the fitting thereof, unless caused by accidental bodily Injury incurred while insured hereunder;
- In connection with alcoholism or drug addiction, or use of any drug or narcotic agent;
- For congenital anomalies and conditions arising out of or resulting therefrom;
- For expenses as a result of or in connection with the commission of a felony offense;
- For expenses which are non-medical in nature;
- For the ordinary cost of a one-way airplane ticket used in the transportation back to the insured's country where an air ambulance benefit is provided;
- For expenses as a result of or in connection with intentionally self-inflicted injury;
- For specific named hazards: motorcycle driving, skiing, mountain climbing, sky diving, professional or amateur racing and piloting an aircraft;
- Treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged through the 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;
For Accidental Death and Dismemberment Indemnity, the Policy does not cover any loss, fatal or non-fatal, caused by or resulting from:
- Suicide or any attempt thereat by the Insured Person while sane or self destruction or any attempt thereat by the Insured Person while insane;
- War or any act of war, declared or undeclared;
- Service in the military, naval, or air service of any country;
- Disease of any kind;
- Hernia of any kind;
- Bacterial Infections except pyogenic infection which shall occur through an accidental cut or wound;
- Piloting or acting as a crew member or riding in any aircraft except as a fare paying passenger on a scheduled airline;
- The Insured Person being under the influence of drugs (unless taken under the advice of a physician and within the amounts prescribed by a physician) or intoxicants of any type including alcohol.
For Medical Evacuation and Repatriation of Remains Expense, this Policy does not cover any loss, fatal or nonfatal, caused by 1, 2, 3, or 6 above.
All coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible insurance indemnity and shall apply only when such benefits are exhausted.
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