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Carriers

All of G1G's underwriters are hand-selected by our team of industry experts with incredibly high standards.
Our stringent criteria for becoming a G1G insurance underwriter includes having an AM Best rating no lower than an A, as well as a flawless Better Business Bureau report. We also inspect each underwriter's customer reviews, claims to pay-out ratio, reinsurers credit history, and other benchmarks that assist in making you're only offered the best products in the world. While this often means making the decision to stay clear of products and underwriters that fall below our standards, the process ensures that we only partner with the very best in travel medical insurance, allowing us to deliver nothing short of perfection.
Below, you will find listings for our individual underwriters, giving you pertinent information about each company and the policies they provide, enabling you to make a purchase with the confidence that you're getting top-notch Travel Medical Coverage.

Have a Question About A Policy?

What...
Travel Medical
Where...
Who...
Trip Cost
Select Product Type
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Product Type

Tell us what you're looking for! Are you traveling outside of your home country (Travel Medical) or going abroad to study (Student Medical)? If you're not sure or have any questions, give us a call at 1-800-257-7718 or drop us a line in the chat box below!

Travel Medical (Traveler's / Visitor's)
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Travel Medical (Traveler's / Visitor's)

Travel health insurance protects international travelers against medical emergencies and unexpected costs incurred while abroad.

Travel Protection
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Travel Protection

Covers the medical emergencies, trip cancellations and/or delays, and loss of personal belongings.

Student Medical
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Student Medical

Student Medical Insurance provides you with medical and non-medical insurance coverage throughout your period of study.

Select Primary Destination
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Primary Destination

The country you are visiting. If you are visiting multiple destinations, then select the country in which you are spending the most time.

Worldwide, Including U.S.A.
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Worldwide, Including U.S.A.

Worldwide, Including U.S.A. For trips that include the U.S.A. as one of the destinations.

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Worldwide, Excluding U.S.A.

For trips outside the U.S.A. If visiting multiple locations, select the destination you will spend the most time in.

Citizens Of : UNITED STATES
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Citizens Of

Select the country for which you maintain a primary status and are legally recognized by state custom or law.

Enter Travelers Ages
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Travelers Ages

Enter the traveler's age as of today.

Enter Trip Cost
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Trip Cost

Prepaid nonrefundable total cost of trip you wish to insure. Examples include non-refundable airfare, accommodations, cruises, tours, etc...


  • Year Established?1998
  • Specialty?Travel Medical/ Trip Protection
  • Underwriter?Lloyd's of London
  • AM Best Ranking?
    • A+ (Superior)
  • BBB Ranking?
    • AA (Very Strong)
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?317-262-2132
  • US Network?Provider Network
  • International Network?Provider Network


  • Year Established?1993
  • Specialty?Travel Medical/ Trip Protection
  • Underwriter?Lloyd's of London
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A+
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?800-690-6295
  • US Network?Provider Network
  • International Network?Provider Network


  • Year Established?1993
  • Specialty?Travel Medical
  • Underwriter?United States Fire Insurance Co.
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A+
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?513-533-1500
  • International Network? Provider Network : N/A


  • Year Established?1980
  • Specialty?Travel Medical
  • Underwriter?N/A
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A+
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?905-669-4920
  • US Network?Provider Network
  • International Network?Provider Network


  • Year Established?1997
  • Specialty?Travel Medical/ Trip Protection
  • Underwriter?Lloyd's of London
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A+
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?317-262-2132
  • US Network?Provider Network
  • International Network? Provider Network : N/A


  • Year Established?1986
  • Specialty?Travel Medical
  • Underwriter?Lloyd's of London
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?888-622-4764
  • International Network? Provider Network : N/A


  • Year Established?1990
  • Specialty?Travel Medical/ Trip Protection
  • Underwriter?Sirius Intl.
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A-
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?317-655-4500
  • US Network?Provider Network
  • International Network?Provider Network


  • Year Established?1996
  • Specialty?Trip Protection
  • Underwriter?Transamerica Casualty Insurance Company
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?603-328-1373
  • International Network? Provider Network : N/A


  • Year Established?1971
  • Specialty?Trip Protection
  • Underwriter?United States Fire Insurance Co.
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?603-894-4710
  • International Network? Provider Network : N/A


  • Year Established?1998
  • Specialty?Travel Medical/ Trip Protection
  • Underwriter?GBG Insurance Limited
  • AM Best Ranking?
    • A (Excellent)
  • BBB Ranking?
    • A+
  • Ease of Claims?
  • Refund Policy?
  • 24 Hr Global Assistance?949-916-7941
  • US Network?Provider Network
  • International Network?Provider Network



"Thank you G1G, for an wonderful worry-free experience of buying medical insurance" - Neelima B.

g1g travel insurance

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Glossary

24 Hour Assistance
G1G provides 24 hour assistance for emergency and non-emergency consultation to assist with finding a physician, filing a claim, or acquiring any other services offered. Simply call 1-800-257-7718 and speak to a live representative any time.
AD/D (CommCarr Air Upgrade)
Accidental Death & Dismemberment - Common Carrier Air Only Upgrade - Provides coverage for accidental death/dismemberment that occur while on a common carrier.
AM Best Rating
A.M. Best Company is a credit rating agency that focuses on the insurance industry. They issue assessments of a given company's credit worthiness, based on a range of factors. All policies at G1G have received an A, the highest A.M. Best rating.
ATM Safe
A product which replaces stolen cash as a result of an illegal ATM withdrawal, tampered ATM, or stolen ATM card. This also covers you in the event that you are robbed at an Automated Teller Machine while abroad. This is one of the more common incidents to occur during travel, making this feature very valuable to the traveler.
Accident
An accident is any unforeseen, unintended incident that results in property or physical damage, injury or death. As far as travel medical insurance is concerned, this could be anything from cutting your hand while cooking to sustaining a minor slip and fall. The most common form of accident occurs in automobiles with 20-30 million people sustaining injuries each year. Additionally, 1.3 million deaths occur annually from auto related accidents making them the most common form of mishap. Regardless of what type of accident you sustain while traveling abroad, Travel Medical Insurance covers them all. To receive coverage for any accident that might occur while traveling abroad, we recommend policies that include Accidental Death and Dismemberment (AD&D) coverage, to ensure that any such incident doesn't leave you (or your family) with hefty medical expenses. Regardless of what type of accident you sustain while traveling abroad, Travel Medical Insurance covers them all. To receive coverage for any accident that might occur while traveling abroad, we recommend policies that include Accidental Death and Dismemberment (AD&D) coverage, to ensure that any such incident doesn't leave you (or your family) with hefty medical expenses.
Accidental Death and Dismemberment (AD&D)
Accidental Death and Dismemberment (AD&D) is a benefit, which provides monetary compensation to the insured's beneficiary, should the insured perish or suffer dismemberment in an accident during the course of their coverage. Dismemberment is the event that the insured person loses a body part or its function.
Active Family Pak
To be eligible for cancellation for this upgrade, you must purchase the protection plan and upgrade within 21 days of the initial trip deposit date.
Acute Onset Emergency of Pre-Existing Conditions
A sudden and unexpected recurrence of a pre-existing medical condition, which occurs spontaneously and without advance warning, and which would cause a prudent person to seek medical attention. Coverage for the acute onset of pre-existing conditions exists in some plans for persons below a certain age, typically 70 and under. In the event of an acute onset of pre-existing conditions, treatment must be sought within 24 hours. Additionally, such an onset must have occurred after the effective date of the policy. The acute onset of pre-existing condition benefit does not cover conditions which gradually worsen over time. Due to the highly specific nature of pre-existing conditions, the applicability of an acute onset of pre-existing condition benefit is made by a provider's claims department only after a claim has been filed. This is an important feature to include in your policy if you suffer from any preexisting conditions.
Adaptive Home and Vehicle Benefit
A benefit to cover the cost of modifications to a home or vehicle to accommodate a disability that occurred while under a policy. The modification costs must be incurred within one year from the date of accident and alterations must be made by a qualified and licensed professional.
Administrator
The third party that manages and oversees your policies. Often referred to as an underwriter, this person will handle claims and payouts of your policy.
Admitted
An insurance carrier that has been approved by a state’s insurance department. These are typically easier to deal with than non-admitted carriers when it comes to claims filed against medical facilities for issues that arise as a result of medical treatment.
Adventure Sports Rider
Also known as Hazardous & Extreme Sports Coverage, this is an optional upgrade for daredevils and adrenaline junkies. It extends the coverage of your travel medical policy to include high-risk activities (such as bungee jumping, surfing, scuba diving, snowboarding, skiing, and others) that would otherwise be excluded from your plan. Keep in mind that this coverage may not extend to those participating in sports professionally. Be sure to check your policy details to be certain that your favorite sports are covered.
Adventurer Plus Pak
For plans purchased after 01/01/2016 and the optional Adventurer Plus Pak has been added, the Identity Theft Services are no longer available. All other coverage within this Pak is intact.
Age
Age is the period of time a policyholder has been alive. Since underwriters usually don't require a medical examination prior to purchasing Travel Medical Coverage, age is one of the most important factors in determining a person's insurance premium. Most policies use age to help determine the likelihood of a policyholder filing a claim, in turn, increasing your policy premium. For policyholders over the age of 69, underwriters will occasionally limit the scope of coverage to exclude particular features. For example, if a policyholder is 70 years old, coverage such as a the Acute Onset of a Preexisting Condition may not be covered. We recommend that you explore your policy details before purchasing a plan to ensure that it offers the necessary coverage for your trip. Age is an especially important factor for people acquiring multiple policies. If you are purchasing plans for family members, one of which is over the age of 69, it's best to purchase their policy separately since their age will increase the overall premium.
Age Limit
The age limit is the maximum age to which a policy will extend coverage. For most policies this will be age 69, but many offer limited coverage to those over age 70. Usually, this limitation is directed at the Acute Onset of preexisting conditions coverage since most people of the age of 70 have a preexisting condition.
Agent
Individual or group who sells and services your travel insurance policies (such as G1G Travel!).
Alcohol or Drug Abuse
Coverage for only expenses incurred as the result of Alcohol and Drug Abuse treatment or medication, which are specifically enumerated in the following list of charges, and which are not excluded, will be considered as Covered Expenses: The process whereby a person who is intoxicated by or dependent on drugs or alcohol or both is assisted through the period of time necessary to eliminate the intoxicating agent from the body, while keeping the physiological risk to the patient at a minimum, will be considered a covered benefit.
Amateur Sports
Injury or Illness sustained while taking part in intercollegiate, interscholastic, intramural, or club sports, and all expenses for any Injury or Illness sustained while taking part in any other Amateur Athletics
Ambulance
A vehicle specially equipped for taking sick or injured people to and from the hospital, usually for emergency treatment.
Amendment
A document that revises or modifies an insurance plan. After an amendment is agreed upon by both the provider and the insured, it becomes part of the plan. There are two types of amendments that may change or modify the policy, one which affects the premium of the policy (usually having to do with age change) and one that does not (a typo and change in the travelers name). Changes can be made through the G1G customer portal.
Application Fee
This is a surcharge applied to a policy for processing its corresponding application. This is often minimal but non refundable in the event of a cancellation. Generally speaking, it covers the cost of our administrative staff and the salary of dudes like me, the guys writing this information. Did I just write myself into the definition? I need a vacation. Where are you going? Can I come along?
Athletic Sport Coverage
Athletic Sports Coverage provides medical coverage against injuries acquired by participating in amateur, club, interscholastic, or intercollegiate sport activities. This coverage excludes professional and semi-professional sports. See policy details to ensure that your particular sport is covered under the policy you select.
Automobile Coverage
The most common form of accident occurs in automobiles with 20-30 million people sustaining injuries each year. Additionally, 1.3 million deaths occur annually from auto related accidents making them the most common form of mishap. To ensure your coverage of automobile travel while purchasing a policy, select the feature filter, Auto Coverage Option, Safe Travel plans, as these are the only policies that offer auto coverage. For specifics, read the policy details that outline their specific scope of coverage.
BBB Rating
The Better Business Bureau is a non-profit organization which collects and provides reviews of businesses and categorizes them using the grading system 'A+' through 'F'. G1G only selects underwriters with 'A' ratings or better and that meet the AM standard (another external ranking system). To learn more about how we select underwriters, read the G1G standard, located on our homepage.
Baggage Delay Minimum Time
The minimum time that must pass before baggage can be considered delayed and an applicable baggage delay benefit can be applied. Typically, a delay is anything over four hours from the time of arrival. If your baggage is lost during travel on a common carrier, we will pay for the replacement of your belongings. If you are traveling with expensive items such as laptops or cameras, we encourage you to seek our advanced coverage.
Baggage Delay or Loss
Airlines or other carriers might not provide you the full compensation for your baggage, in which case Baggage Delay or Loss Coverage will help make up the difference. If you do experience the misfortunate of lost or delayed luggage, Baggage Delay or Loss Coverage will compensate you for your lost items or provide you with a fixed sum with which you can purchase basic amenities and get your trip back on track. For most of Baggage Delay or Loss Benefits, your baggage must be delayed or unaccounted for at least 12 hours. Your airline, cruise line, or other carrier, will more often than not have to certify the delay or loss in order for you to receive the benefit.
Beneficiary
The recipient of monetary compensation from an insurance policy coverage. An example of a beneficiary is a person who inherits an Accidental Death and Dismemberment (AD&D) benefit when an insured perishes. Typically one selects a close relative or loved one who will be handling the affairs of the inflicted.
Benefit Summary
An easy-to-understand summary about your plan's benefits and coverages. A benefit summary describes the predefined limits an Economy Benefit Plan (also known as Fixed Benefit or Schedule Benefit Plans) provides per a course of treatment.
Brochure
Travel brochures are a great way to understand the nuances of a particular plan. They provide policy details and information such as coverage maximums, deductible options, travel restrictions and even some benefits you might have missed during your initial research. It's always best to know as much as possible before purchasing, so we advise you to read this thoroughly before making any decisions regarding your insurance plans.
Cancel For Any Reason Eligibility
Cancel For Any Reason policies do have a few eligibility criteria. For example, these policies are only available for purchase within 10-30 days of the initial trip payment and that 100% of the pre-paid trip costs be insured. Other than that, they may be applied in anyway possible, making them a truly flexible feature offered by G1G.
Cancel For Any Reason Initial Deposit Limits
Restrictions apply to the amount of time that can lapse between the initial deposit for a trip and the date when a Cancel For Any Reason benefits can be purchased. This period of time is referred to as the initial deposit limit and usually is around three weeks prior to the departure date.
Cancel For Any Reason Price Limit
The price limit, referring to the per-person trip cost amount, for the Cancel For Any Reason benefit. This includes all accommodations, rentals and common carrier travel, all of which are eligible for an 80% reimbursement with Cancel For Any Reason coverage.
Cancel for Any Reason
TAILOR YOUR INSURANCE PLAN Protects against the unexpected - whatever it may be - up to 75% of trip cost. Must cancel a trip 2 or more days before the scheduled departure date and insure the full trip cost. To be eligible for Cancel for Any Reason, the upgrade must be purchased within 30 days of initial trip deposit and for the full cost of the covered trip (maximum trip cost of $10,000 per person.)
Cancel for Any Reason Departure Date
The date the insured is slated to leave on their trip with a Cancel For Any Reason (CFAR) policy. This would be the day in which you leave your home country, no matter the mode of transport.
Cancellation Details
The specific details surrounding your cancellation. These will be delivered to you via email or may be located in the G1G customer portal. Cancellations are made easy with our customer portal, and most necessary procedures may be done through the portal.
Carrier
The insurance carrier (also known as an underwriter) is the entity which provides you with your end coverage and assumes the bulk of the risk on an insurance policy. G1G is an aggregator of carriers and underwriters, and it is our mission to best match you with the carrier/underwriter who is best suited to meet your insurance needs. G1G carefully selects each carrier in accordance with our Standard.
Carrier Filter
Have a preference of underwriters? Select any number of carriers to see plans exclusively from those underwriters, and we'll limit the options displayed. If you have had a good experience with a particular carrier in the past, why change now?
Chart Number
A chart number is given to each patient, and it refers to a file which has all the records of your prior tests, ailments, etc. This number makes it easy for the person at the reception to make your future appointments and is also a reference tool for your doctor.
Citizen Return Rider
A Citizen Return Rider provides short-term medical coverage for non-US citizens returning to their country of citizenship. For US citizens, a Citizens Return Rider offers up to 60 days of coverage for return visits to the United States - given they have a current health plan and have resided outside of the United States for six continuous months.
Claim Submission
The submission of a request for the acquisition of benefits.
Claims Review
A claims review is the process in which the underwriter reviews a claim to assure that it meets a set of standards. This process helps maintain the integrity of provider billing by demonstrating the accuracy of services rendered. In turn, protecting you from exorbitant billng, unnecessary costs and mismanaged cases.
Co-Pay (Co-Insurance)
The splitting, or joint assumption of monetary risk between you and your provider. Unlike a deductible that relates to a predetermined fixed amount the insured pays to receive a particular service or course of treatment, co-insurance relates to the percentage split of costs between the insured and their provider (ranging from 90%-10%; 80%-20%; and up to 50%-50%). Stop loss limits can exist within coinsurance schemes, and these limits refer to a maximum the insured can pay before their insurer covers further eligible expenses. The most common form of co-pay benefits in Travel Insurance is an 80%-20% split of the first $5000 in medical expenses, meaning you incur 20% of medical expenses with a total limit of $1000, or 20% of the first $5000 in medical expenses. Many products offer discounted co-pays for those who go within that products provider directory (PPO). Common discounts are 90%-10% splits, or in some cases, a complete waive of the co-pay as a whole.
Coma Benefit
Coverage in the event of a coma (a state of complete mental unresponsiveness), which results from an medical emergency.
Common Carrier AD&D
Common Carrier Accidental Death & Dismemberment Coverage shall apply only to covered accidents sustained by an insured person while riding as a passenger in public transportation over land, water, or air conveyance, and must be controlled by a license operator. This is different from standard AD&D coverage, which extends coverage to death or dismemberment that occurs anywhere during your travels.
Complications of Pregnancy
This benefit provides coverage should complications to a term of pregnancy arise during a stay abroad as a result of illness and/or injury. However, this benefit is not available in most policies.
Comprehensive Coverage Plans
Comprehensive Coverage Plans (also known as Premium Coverage Plans) offer more expansive and flexible coverage than Economy Benefit Plans (known also as Schedule of Benefit or Fixed Benefit Plans). With a slightly higher cost up front than Economy Benefit Plans, Premium Plans offer a broader spectrum of coverage and include trip protection benefits such as baggage loss or trip interruption coverage. The deductible (usually $100) is applied only once during the life of the policy during your first claim. For any subsequent claim, however, your deductible will not need to be paid again. While Comprehensive Coverage Plans allow you to visit any doctor, it is recommended that you stay within your provider network, as it will save you up to 10% in copay cost. The cost of receiving treatment is split between you and your provider, with you covering the cost of the deductible and copay (usually 10%) out of pocket and your provider covering the remaining cost of treatment. Before choosing between Comprehensive Coverage Plans or Economy Coverage Plans, it is important to assess your budget and your comfort with assuming risk. Those two factors will dictate which plan is best for you.
Continuing Coverage
The temporary continuation of benefits when the policy would otherwise terminate. Most policies require a minimum continuing coverage purchase ranging on average from 14 to 90 days. Depending on the plan and type of coverage purchased, coverage maybe extended for up to one year. Any illness or injury incurred during the initial policy period is not considered a pre-existing condition during a continuation period. However such illness or injury will be considered a pre-existing condition should the original policy expire before its renewed. Eligible renewals can be processed through the G1G customer support portal.
Coverage
Coverage is the maximum amount the provider will pay in the event of a claim. For example, if your coverage is $50,000USD and you make an eligible claim for $60,000USD, you will be responsible for the remaining balance of $10,000USD. Generally speaking, the premium cost and coverage limit will increase and decrease in tandem, so it really comes down to what works best for you. If you are willing to pay a higher premium upfront and forgo the responsibility of an exorbitant claim balance, you should increase your coverage. If you are primarily concerned with major medical emergencies, it’s recommended to take a high medical maximum limit.
Covered Expenses
Any expenses incurred on behalf of the policyholder by their provider for treatment purposes, including but not limited to services, transportation, and/or supplies.
Cruise Coverage
A diverse range of protection from mishaps or setbacks that might occur on a cruise. Cruise Coverage can include, but is not limited to, trip delay, medical evacuation, and lost baggage benefits. Trip delay is actually more common than one might think. There have been instances of cruise lines filing for bankruptcy mid voyage, leaving passengers stranded and forced to find their own way home. G1G would cover this cost through Cruise Protection coverage.
Deductible
The amount you pay before your insurance begins paying on a claim. The higher the deductible, the lower the premium and vise-versa.
Definition
Travel brochures are a great way to understand the nuances of a particular plan. They provide policy details and information such as coverage maximums, deductible options, travel restrictions and even some benefits you might have missed during your initial research. It's always best to know as much as possible before purchasing so we advise you to read this thoroughly before making any decisions regarding your insurance plans.
Dental Coverage (Pain/Accident)
A sudden and unexpected occurrence of pain which occurs spontaneously and without advance warning, which would have caused a prudent person to seek medical or dental attention prior to the onset of pain. Treatment must be obtained within 24 hours of the sudden and unexpected occurrence of pain. “Accident” coverage is useful in the event you necessitate immediate dental assistance abroad. An emergency dental benefit is intended to cover an injury incurred on a trip that causes immediate pain and is usually limited to $500 of coverage. It does not, however, cover routine dental work or necessarily cover a condition which resulted from pre-existing conditions or personal oral hygiene habits.
Dependent
Typically limited to the insured's minor children, a dependent is anyone, in addition to the primary policy holder, who is entitled to receive insurance coverage and its associated services. During the initial purchasing process, you will have an option to extend coverages to any dependents you wish to add. To be considered a dependent on most policies, the individual must be 17 years of age or under - otherwise a separate policy has to be purchased for them.
Direct Billing
Direct Billing is when a doctor, hospital or other health care provider/treatment center bills the insurance company directly, saving you the trouble of filing a separate claim. Direct billing comes standard in all Patriot; Visit USA A-B; Inbound Guest; Inbound USA; Inbound Immigrant; Atlas America; and Safe Travel International policies. We're all about efficiency here at G1G, so we streamline every process, leaving you to enjoy the journey.
Doctor
A qualified and licensed medical practitioner that will maintain a practice of usual and customary responses (UCR) to emergency medical needs. For a complete list of doctors in your network, visit your policy details.
Ease of claims
When we say, ‘ease of claims,’ we are referring to the amount of time, paperwork and effort one will have to put forth, in order to file a claim with a particular provider. While the star system is an indicator of effort made on your part, it does not reflect the competency of each underwriter. At G1G, we remain fully transparent, and sometimes, that means letting you know which underwriters fall short in particular areas.
Eco-Friendly Plans
Eco-Friendly Plans are for the environmentally conscious traveler. This feature may be added onto any policy to reduce one's carbon footprint on the world by donating a portion of your cost to offsetting carbon emissions. Since airplanes are some of the biggest emitters of atmosphere pollution, this feature can help minimize the damage done with travel.
Economy Plans
Economy Benefit Plans have a lower premium when compared to Premium Benefit Plans. With an Economy Benefit Plan you can see any doctor or seek care in any hospital. The amount the policy will pay for treatment is pre-determined according to a benefit summary. They offer very little to no trip protection benefits such as baggage loss or trip interruption coverage. They contribute a predetermined amount to a given medical cost; however, any remaining costs fall on you. The benefit summary is scaled to cover the costs of small medical emergencies, but often falls short of covering the entire cost of major surgeries or lengthy hospital stays. The deductible (usually $100) is applied per claim. For example, if you visit the doctor for cold or flu-like symptoms a deductible is required. However, if you visit the doctor again for another unrelated claim then your deductible is due again. While Economy Benefit Plans might not provide you with coverage in all the areas you want, it will save you some up front cost if you are willing to assume some risk.
Effective Date
The date upon which your policy takes effect.
Eligibility
A designating qualification for coverage, the most common criteria for travel policy eligibility being age and travel date, both of which have limitations.
Emergency Dental Benefit
Coverage in the event one requires immediate dental assistance abroad. An emergency dental benefit is intended to cover an injury incurred on a trip that causes immediate pain and is usually limited to $500 of coverage. It does not, however, cover routine dental work or necessarily cover any conditions which resulted from pre-existing conditions or personal oral hygiene habits.
Emergency Evac Repat Upgrade
Emergency Evacuation & Repatriation of Remains Upgrade - The insurer will pay for covered emergency evacuation expenses incurred if an insured suffers an injury or sickness while he or she is on a trip that warrants his or her emergency evacuation. Covered emergency-evacuation expenses are the reasonable and customary charges for necessary transportation, related medical services and medical supplies incurred in connection with the emergency evacuation of the insured. All transportation arrangements made for evacuating the insured must be by the most direct and economical route possible.
Emergency Medical Coverage Range
The occurrence of a sudden, serious and unexpected sickness, or injury. In the absence of immediate medical attention, a reasonable person could believe this condition would result in: (1) Death; (2) Permanent placement of the Insured person's health in jeopardy; (3) Serious impairment of a bodily functions; or (4) Serious and permanent dysfunction of any body organ or part. Expenses incurred for a “Medical Emergency” will be paid only for Sickness or Injury which fulfills the above conditions. These expenses will not pair for minor injuries or minor illnesses.
Emergency Medical Evacuation
Emergency Medical Evacuation provides coverage for the evacuation of an injured or ill person to a location suitable for treatment for their ailment or injury. For example, if you’re traveling to a remote location - one that might be far away from, or simply does not have, the facilities to treat you - Emergency Medical Evacuation will cover the costs of transportation (either by airlift, ambulance, etc.) to a suitable hospital or treatment center.
Emergency Medical Reunion
If the insured is hospitalized for a period of time abroad, Emergency Medical Reunion provides coverage for a relative, spouse, or guardian to travel to them. We love bringing people back together and want your loved ones to be there for you in times of need.
Emergency Medical Treatment
A plan of coverage for the treatment of any emergency injuries or illnesses that resulted during your trip. All G1G standalone policies offer this coverage in one form or another. Emergency means any unforeseen illness or injury that may cause a person to seek immediate treatment for fear of death or permanent bodily damage.
Emergency Room
The department of a hospital that provides immediate treatment for acute illnesses and trauma.
Enchanced AD&D
Accidental Death and Dismemberment (AD&D) is a benefit which provides monetary compensation to an insured's beneficiary, should the insured perish or suffer dismemberment in an accident during the course of their coverage. Dismemberment is the event that the insured person loses a body part or its function. Enhanced AD&D is an upgradable feature that qualifies your beneficiary for larger payouts in the event that something terrible should happen to you while traveling abroad. Check your policies details for exact amounts of upgradable coverage. Enhanced AD&D coverage is available for Add-on with all Safe Travel, Patriot and Diplomat plans. Select this option and receive extended coverage for AD&D.
Enhanced Baggage
Enhanced Baggage coverage is an upgradable feature for those traveling with expensive baggage such as laptops or cameras. In the event that your baggage is lost while in transport with a common carrier, you will be reimbursed for lost goods. You will need to give a detailed account of these expensive items before purchasing a policy to ensure their coverage. If enhanced baggage coverage is a priority for your travels, checkout Safe Travel and all Patriot plans to access this option as an add-on feature.
Enhanced Crisis Response
This benefit provides payment towards ransom; and/or crisis response fees and expenses; and/or personal belongings. Crisis response fees and expenses means all fees and expenses of Unity Resource Group related to your kidnapping or express kidnapping.
Enhanced Emergency Medical Evacuation
Emergency Medical Evacuation provides coverage for the evacuation of an injured or ill person to a location suitable for treatment for their ailment or injury. For example, if you’re traveling to a remote location - one that might be far away from, or simply does not have, the facilities to treat you - Emergency Medical Evacuation will cover the costs of transportation (either by airlift, ambulance, etc.) to a suitable hospital or treatment center. Enhanced Emergency Medical Evacuation is an optional add-on for all Patriot plans and may be obtained by selecting the feature filter or selecting the option on the page summary when purchasing.
Enrollment
Registration for a policy.
Evacuation Plus Rider
An optional rider (for people up to age 65) which offers coverage in the event of a non-life threatening medical emergency which requires evacuation and hospitalization. Such a rider must be purchased for at-least a 3 month period, regardless of the trip duration.
Evidence of Insurability (EOI)
Any documentation that contributes to the verification of your eligibility for a policy. For most plans, documentation is not necessary. In some instances, mostly for longterm plans, a documentation of a medical physical may be required. For access to you evidence of insurability, visit your G1G customer portal, where you may print out your ID card, the most common form of proof.
Excluded Activities
Sports involving adrenaline-inducing action, including but not limited to, base jumping, BMX freestyle, free-diving, skateboard, surfing, whitewater kayaking, and whitewater rafting. If you need coverage for any of these activities, you may want to consider extreme sports coverage which may be added to many policies. Cowabunga, dude!
Excluded Destination
Regions which are excluded from a given policy. For example, States like Florida and New York are the most common ones to pose difficulty since insurance is regulated by the state and not federal. Why are you being difficult Florida and New York? Not cool.
Excluded Reasons for Trip Cancellation
Reasons for which a cancelation of a trip will not be applicable. Some of these reasons include, but are not limited to, pre-existing conditions, suicide, war, mental or emotional disorders (unless requiring hospitalization), non-emergency treatment, or surgery. For exclusions specific to your plan, check your policy details or contact us.
Excluded States
States or countries which are excluded from a given policy. For example, States like Florida and New York are the most common ones to pose difficulty, since insurance is regulated by the state and not the federal government.
Exclusions
Specific conditions or treatments that do not fall under policy coverage. Be sure to read through your policy details and ask all questions you may have to clarify what is covered and what is not covered. If you are looking for a specific type of coverage, take the time to contact our G1G specialists who will help you find what you're looking for and make sure you know what you're getting.
Expiration Date
The date on which your policy ends.
Exposure and Disappearance
Exposure refers to prolonged vulnerability to the elements in the event you are lost or stranded. Being stranded on a remote island with your cute co-worker is only fun until someone suffers a heat stroke and starts referring to a volleyball as 'Wilson'. Disappearance refers to the event in which you have not been found within one year. Our recommendation is to stay close to the skipper, but always listen to the professor.
F-Visa Compliant
F Visas are one of three types of student non-immigrant visas allowing foreign citizens to pursue a course of study in the US. F-1 Visas are for full-time students; F-2 Visas are for spouses and children (dependents) of F-1 Visa holders; and F-3 Visas are for residents of Mexico or Canada who reside in either of those countries but still attend a US campus. F1 visa requirements mandate coverage of at least $50,000, so be sure to select a plan that offers this minimum policy requirement. To see plans that offer this coverage, select the visa compliant feature filter on the compare page.
Feature Filters
Looking for a particular policy feature? Simply select the plan feature that suits your trip and we will only show you plans that offer these attributes. For more information on each highlighted option, visit our glossary where we give detailed information about each filter. If you still don't understand them, give us a call 24/7.
Felonious Assault Benefit
Coverage in the event of a violent physical assault while abroad. Tourist are far more susceptible to assault, given their likelihood of being robbed. Tourist are easily spotted by thieves who will capitalize on their vulnerability and it's important that you are covered in this event.
Financial Default
Coverage in the event an airline carrier, rental car provider, cruise operator or hotel ceases its operation(s) due to financial default or bankruptcy. This happens more often than you would think!
Flight Accident Coverage
Coverage in the event of illness, injury, or death during air travel. One might assume that the airlines would pay out heavily for such an incident, but this is often not the case. G1G would ensure the maximum payout possible to your scheduled beneficiary in this event.
Follow Me Home Coverage
Follow Me Home benefit covers any expenses that are incurred upon your return home as a result of injuries or illness obtained abroad. Additionally, it covers incidental trips to the insured's home country should you be staying abroad for extended periods of time and only visiting your home country for short durations.
Frequent Fliers Coverage
Coverage for frequent fliers that can span a broad range of dates including intermittent or continuous travel and multiple destinations throughout the year. This feature is optimal for the business person that travels on a regular basis.
Group Travel Policy
Group travel policies cover the needs of tour groups, mission trips, or any group traveling for school, work, or training related purposes. Group travel insurance policies provide medical insurance and emergency medical evacuation coverage, and can be customized to fit your group's needs. In addition, a group travel insurance policy costs less than individualized policies. Our plans are often used for mission trips but have been increasingly utilized for study abroad groups since they meet all university and college standards.
Guarantee Issue
A requirement of plans to enroll a member regardless of gender, health status, or other factors that may predict the way health services are used. No medical exam or tests required. Most G1G plans have a Guarantee Issue, with the exception of a few long term plans that have specified trip duration limits.
H Visa Compliant
H1 Visas, known as a temporary worker visa, is issued to foreign nationals who are entering the United States for a fixed amount of time for work. Individuals with an H1 Visa, as well as their spouses and dependents, can be eligible for Visitor's Insurance, depending on factors such as their length of stay in the United States, and whether or not they are eligible for health insurance through their employer. Select H1 visa on the feature filter to see plans that meet this requirement.
Hazardous and Extreme Sports Coverage
Also known as Adventure Sports Coverage, Hazardous and Extreme Sports Coverage provides monetary compensation in the event of injury or death while participating in a covered sporting activity. Be sure to reference your policy and be certain that the extreme sport you are participating in will be covered. Such sports can include mountaineering, hang gliding, parachuting, bungee jumping, water skiing, snow skiing, snowmobiling, snowboarding, and others. No carrier offers coverage for those playing extreme sports professionally.
Heart Care Plus Rider
This optional upgrade covers the expenses of a heart attack or stroke suffered by the insured during the period of coverage, if either of those emergencies are deemed to be as a result of a pre-existing condition. Coverage extends to a maximum of $5,000 per period of coverage for ages 0-69 and up to $2,500 per period of coverage for ages 70+.
Hijacking and Air or Water Piracy Coverage
Coverage in the event of an aircraft hijacking, or in the event of seizure, or attempted seizure, of air or watercraft by pirates. Seriously, pirates still exist and they are not nearly as charming as Captain Jack Sparrow.
Home Country
The country of which the policy holder is a permanent resident. G1G plans offer many options for getting you back to your home country if you should need immediate evacuation from your region of travel. Follow Me Home coverage will get you home in the event that you are unable to do so yourself.
Home Country Coverage
Home Country Coverage is offered to international students in the event of an incidental trip to their home country.
Hospital
Any institution that offers medical treatment under the care of one or more qualified and licensed medical practitioners. Since all travel plans are emergency medical policies, it's important to make yourself aware of emergency hospitals and locations in your destination area before you travel. Upon purchase of a G1G plan be sure to visit your customer portal and view the provider directory of hospitals before you travel and gather the necessary information.
Hospital Indemnity
A Hospital Indemnity plan pays out a predetermined benefit amount over a span of time of which you are hospitalized to cover any out-of-pocket expenses that do not fall under your medical coverage. This is a great benefit which covers some of the unforeseen costs that will be incurred while at a hospital such as phone calls from the facility, taxi bills, food cost, etc.
Hospital Room & Board
Coverage for room, board, and other expenses incurred during the course of a hospital stay. The average hospital stay can reach $3000 USD per day for the most basic of treatment(s) so G1G offers extensive coverage for Hospital Room and Board in all policies.
Identification Card
The proof of insurance you receive from G1G upon purchase of a plan. After obtaining a G1G plan, the card is immediately printable on the G1G webpage but will always be accessible in your customer portal. We recommend you carry the ID card with you while you travel; however, if you have a smartphone you could save some trees and keep it on your device. It works just the same as printing it out.
Identity Theft Assistance
Coverage in the event you suffer identity theft occurs during your traveling. Such coverage can provide credit monitoring, expense reimbursement, and document replacement. If identity theft is a major concern for you, we recommend looking at Safe ATM policies as well.
Inclement Weather
Benefits that supplement delays or trip interruptions caused by severe weather such as hurricanes, monsoons, thunderstorms, cloudy with a chance of meatballs, etc? If you get stuck, we'll cover the cost.
Initial Deposit Date
The earliest date that a payment was applied towards a trip. This could include a deposit or full payment for accommodations, transportation or any other major cost of travel.
Injury
Any bodily harm resulting from an accident. This can range from small cuts, to broken bones, to full paralyses.
Inpatient
A patient who stays in a hospital while under treatment.
Insured
A person covered by an insurance policy. This goes for anyone that has obtained coverage policy through G1G.
Intensive Care Unit (ICU)
Intensive care units are intended for patients with severe and life-threatening illnesses and/or injuries, which require constant monitoring and support from special equipment and medication in order to ensure normal bodily functions. They must be staffed by highly trained doctors and critical care nurses for the facility to be covered by G1G policies. It's best to stay within your policy network to ensure that all facilities meet this requirement.
International Contact
Contact information in the event you should need to reach your provider from abroad. The best way to locate this information is by logging into your customer portal, which is on the G1G webpage. If you are unable to locate contact information, give us a call and we'll get you sorted.
International Network
Just like you have a network of physicians, hospitals and clinics in the US, you are given one while abroad, as well. Some underwriters have more expansive networks than others, so we indicate which ones have the larger network to work with, letting you pick one that suits you.
J1 Visa Compliant
Student Medical plans are specifically tailored for international students enrolled at an American university, such as those on J1 visas, and for American students studying abroad. Medical insurance is often a requirement for universities and more often than not the policies offered by a university tend to be pricey and limited in their scope of coverage. G1G offers a wide selection of insurance plans for students and at better rates. Many of our plans exceed the benefit requirement levels as stipulated by schools, and are better priced than their university counterparts. J1 visa requirements dictate that compliant policies must have at least $50,000 in total coverage; $7,500 for Repatriation of Remains; A deductible that does not exceed $500 per claim; and a minimum of $10,000 in coverage for Emergency Medical Evacuation.
Limb
A part of the body, such as an arm or leg. This may be used in reference to AD&D coverage that provides monetary compensation in the event that an insured person loses a limb or the function of a limb.
Lump Sum
An option for settling an insurance claim. Lump Sum benefits are paid out all at once, as opposed to installment payments. In most cases, underwriters will offer you a percentage of the total amount due if a lump sum is granted. This will often require to analyze the potential financial outcome desired.
Maternity
The period of pregnancy and the time immediately after childbirth. Policies have limitations about pregnant travelers so consult a representative if you are pregnant or plan to be. Regardless, traveling while pregnant is considered 'high risk' by medical professionals, so we advise against it unless necessary.
Max Duration (without renewal)
The maximum coverage period offered by a plan before renewing the policy. Most policies allow an initial purchase range of 364 days without renewal. To renew a policy, visit your G1G customer portal and file a renewal request. We'll take it from there!
Max Limit
The maximum dollar amount that a given policy will pay toward eligible claims.
Max Trip Length
As MultiTrip is an annual insurance plan designed for the traveling executive or frequent flyer taking multiple trips of a specific duration limit. The Max Trip Length represent the maximum number of days in a single trip allowed in a Frequent Flyer plan. You must return home or touch base in you home country where you reside and hold citizenship within the allocated days before departing on another trip for coverage to be granted.
Maximum Trip Cost
The maximum overall cost of a trip which would still deem it eligible for coverage. When purchasing a policy through G1G, you will be asked the total cost of your trip to receive Trip Interruption coverage.
Medical Evacuation
Medical Evacuation Coverage provides insurance that covers rapid transport to the nearest medical facility in the event of a serious medical emergency during your trip to a foreign country. Most G1G policies offer this as a standard feature but it may also be purchased as a stand-alone product.
Medical Expense Upgrade
Medical Expense Upgrade - Provides coverage for medically necessary covered expenses incurred to treat such injury or sickness during the course of the trip provided the initial treatment was received during the trip. The injury or the sickness must begin while on a trip, while covered under the policy.
Medical Monitoring
Supervision or observation of the insured by a qualified and licensed medical practitioners. This may take place in a hospital, or any location where a trained physician is available.
Mental Illness
Mental Illness refers to mental, emotional, and psychiatric disorders, Illnesses or conditions resulting from organic, non-organic, biological, non- biological, genetic, chemical or non-chemical origins. Common mental illnesses include (but are not limited to) psychoses; neurotic disorders; bipolar disorders; affective disorders; personality disorders; psychological or behavioral abnormalities, associated with transient or permanent dysfunction of the brain or related neurohomonal systems. To be considered a mental illness, the insured person must have the illness diagnosed by a licensed physician, working under the guidelines of the most up-to-date version of Diagnostic and Statistical Manual of Mental Disorders IV-R or the most recent edition of the International Classification of Diseases ICD-9-CM.
Minimum Purchase for Renewal Eligibility
The shortest coverage period required for eligibly to renew the policy. This is usually anywhere in between 5 and 364 days. To renew a policy, visit your G1G customer portal and file a renewal request. We'll take it from there!
Minimum Trip Duration
The minimum duration of coverage for which a policy can be purchased. Most G1G policies may be purchased for 5 to 364 days.
Missed Connection Benefit
Any benefit that is provided to the insured as a result of a missed connecting flight, cruise, or other departure. Most G1G policies will also cover incurred cost such as missed hotel reservations and car reservations, resulting from the missed connection.
Monoplegia
Total paralysis of one upper limb (arm) or one lower limb (leg); rendering them immobile or limited in movement.
N9 Visa
N9 Visas are reserved for children (unmarried individuals under the age of 21) of officers (current or former) or employees (current or former), of foreign governments which belong to an international organization listed under the International Organization & Immunities Act.
Natural Disaster Benefit
Coverage in the event of any injuries, losses, or trip interruptions due to natural disaster (i.e. earthquake, flood, volcanic eruption, etc...) With Climate Change upsetting weather patterns and natural phenomena, this coverage has never been more useful.
Network (PPO)
The hospitals, clinics, treatment facilities, doctors, and other care providers to which a particular plan provides access. A Preferred Provider Organization (PPO) is a conglomerate of medical professionals that operate with a third party insurer to provide health care at reduced rates. PPO specialists do not require a referral for consultation, giving you flexibility in your medical treatment choices.
Non-Admitted Carrier
An insurance company that has not been approved by the insurance department of a state. A Non-Admitted Carrier typically does not necessarily follow all the insurance regulations and polices within a given state. Additionally, their customers do not have the option to appeal to the state's insurance department.
Non-Surgical Physician Visits
Any procedure that is not bodily invasive. Usually, this is in reference to any doctor visit that doesn't require a scalpel (which is always better). If you do, however, require surgery, most policies offer coverage for that as well.
Non-US Citizen
A citizen of a country other than the United States. G1G offer policies for people in every country, but make sure that the particular policy you are considering covers your home country (the country in which you have permanent residence).
Nurse Services
This service shall be performed by a registered nurse counselor to assist in identifying the appropriate level and source(s) of care for you (based on your symptoms reported and/or health care questions asked by or on behalf of you).
One Time Deductible
The amount you pay before your insurance begins paying on a claim. The higher the deductible, the lower the premium and vise-versa. A one time deductible is primarily offered with PPOs, meaning you would pay the deductible only once during you policy duration, unlike HMO plans that require a deductible to be pay for every claim.
Optional Express Delivery Charge
Expedited delivery of your insurance materials through mail. While we will mail you the information if requested to do so, we recommend that you access all information through the customer portal where you may print needed materials or simply access them as needed on your smart phone. Save tree, go digital.
Optional Policy Enhancement Rider
Optional additions to your policy that either complement or strengthen your coverage. Such options may include; Hazardous Sports Coverage, Follow Me Home Coverage, an Enhanced AD&D Rider & more. When selecting a policy, see the additional features option to customize your plan.
Optional Pre-Ex Benefit
This optional upgrade extends the Acute Onset Emergency of Pre-Existing Conditions Benefit to include any heart attacks or strokes suffered during the period of coverage, if either of those emergencies are deemed to be as a result of a pre-existing condition.
Outpatient
A patient who receives treatment from a medical facility but is not admitted.
Overseas Provider Directory
A resource for travelers to find health care providers when traveling overseas (also known as a Network Directory). It's always best to access this through your customer portal but if you are having trouble, just give us a call and we'll get you set up with the right physician.
Overview
A summary of the policy, including the coverage limits, premiums, benefits and other pertinent details of the plan. This is locatable 24/7 through the customer portal or by viewing your policy brochure or details.
Paraplegia
Total paralysis of both upper limbs (arms) or both lower limbs (legs). In this event, it's imperative that you have Follow Me Home coverage to ensure your safe arrival back home.
Payment Preference
You can choose payment type here , there are two types of payment type 1)Monthly Payment 2)Full & Final Payment These two options will show together when the travel days is greater then 30 days. if days less then 30 days then only Full Payment options will show.
Period of Coverage
The timespan in which your policy provides you with coverage. For economy plans, this is often the date at which you arrive at your destination. Premium policies offer protection from the moment you step on the airplane or whatever mode of transportation you are using.
Permanent or Temporary Paralysis
Loss of mobility, and/or sensation, in all or part of the body. Paralysis is determined only by a qualified physician. G1G also offers Follow Me Coverage that assists in returning yourself to your home country in the event that you are unable to do so without assistance.
Personal Liability Rider
Personal liability insurance protects your assets by paying claims and damages in case you injure other people or property. For example, if you crash your rental car into a building and injure people inside, we will pay for their treatment as well. To view policies that offer Personal Liability Rider coverage, select the option on the feature filter or select any of the following plans: InterMedical Inbound; Safe Travel USA; Patriot Platinum America; Patriot Platinum International; Travel America 360; or Travel 360.
Pet Coverage
We know you love your animals as much as anything so we offer a benefit of up to $500 in the event of a loss of life to a small pet while traveling. This covers the pet while on the insured person's originating flight from his/her home country, and returning flight to the insured person's home country only. A small pet is limited to cats or dogs up to 30 pounds in weight. Sorry, your pet iguana has to stay at home, but seriously, do you really want to be the person who cruises around Europe with an iguana on your shoulder, anyway? That's just weird.
Pet Service Locater
A service offered by some travel policies that assist travelers in finding pet-related services during their trip. Need a sitter, groomer or veterinarian? We can help you find one in the area you are traveling to. We love animals at G1G and want your pet to enjoy their vacation as much as you. After all, why should you be the only to receive the royal treatment abroad. If you are traveling with a furry critter, checkout some of our policies that extend coverage to include cats and dogs by selecting Pet Coverage from our feature filters.
Physical Therapy
The treatment of a medical condition by methods such as exercise or massage, rather than by surgery or medication. G1G policies are focused on emergency medical treatment but still cover prolonged treatment for injuries or illnesses suffered during the life of the policy. This may include Physical Therapy but it's always wise to ask a representative if you are concerned about it.
Policy Maximum
The total amount an insurance provider is willing to pay out over the duration of a policy.
Policy Number
The policy number, typically found on your insurance card. This will be needed when you are seeking medical treatment so we suggest keeping it handy during your travel. This will make things such as direct billing easier for everyone involved and save you the headache of sorting things out later.
Political Evacuation
Coverage in the event of any political instability in a visiting country that necessitates immediate evacuation to a home country or other safe destination. Political unrest is common these days, and often will interfere with travels, as airports are often the first to be closed during political insecurity.
Pre-Existing Condition
A pre-existing condition is simply any medical condition or health issue that exists prior to the beginning of your policy coverage period. All plans have varied periods of time in which they deem an illness to be pre-existing. You must be medication and symptom free for that time period in order for the illness to not be considered pre existing. All travel policies are for primarily emergency medical emergencies only and not to be used to seek treatment for pre-existing or continuing illness. If you are concerned for coverage of traumatic emergencies resulting from a pre-existing illness, such as a heart attack or stroke, then select the "acute onset of a pre-existing condition" filter/benefit on the compare page.
Pre-Existing Period
A pre-existing condition is simply any medical condition or health issue that exists prior to the beginning of your policy coverage period. All plans have varied periods of time in which they deem an illness to not be considered pre-existing, this is known as a pre-existing period. You must be medication and symptom free for that time period in order for the illness to not be considered pre-existing. All travel policies are for primarily emergency medical emergencies only and not be used to seek treatment for pre-existing or continuing illness. If you are concerned for the coverage of traumatic emergencies resulting from a pre-existing illness, such as heart attack or stroke, than select the acute onset of a pre-existing condition” filter/benefit in the search results page. An acute onset condition is disability or medical condition acquired suddenly or over a short period of time, including psychological/psychiatric conditions following a traumatic event, OR a situation in which a pre-exisintg disability or condition comes sharply to a crisis.
Pre-Notification
Altering the insurer of admission to a medical facility prior to actual admission by the policyholder or healthcare provider. Some, less emergency based treatments, such as MRI's, may require the pre authorization of treatment. If you are suffering an emergency, seek medical treatment first! We'll sort everything out later. Your health is paramount.
Pre-Trip Destination Information
Up-to-date information regarding required vaccinations, health risks, travel restrictions, and weather conditions pertaining to the destination country. A good place to locate the most up to date information is the US State Department webpage. This will help you determine any proactive measures that need to be taken before arriving at your destination, such as vaccinations or security precautions.
Premium
A premium is the upfront cost of an insurance policy, meaning the amount you are required to pay to receive coverage from an insurance underwriter. By providing the premium to an insurance underwriter, you are entering into a contract in which they (the insurance provider) assumes a majority of the risk should you require medical attention while traveling. The premium is determined by a number of factors but there are two elements that influence the premium most: age and risk. Since most underwriters do not require a pre-screening physical for the acquisition of a policy, they rely on the age of the policyholder to help determine an appropriate policy premium. Apart from age, risk also plays a major factor in determining a policy premium. The more risk you are willing to assume, the lower your premium will be. Visa Versa, the less risk you are willing to assume (in turn, requiring the underwriter to assume a higher risk) the higher your policy premium will be.
Premium Coverage Plans (Comprehensive Coverage)
Premium Coverage Plans offer more expansive and flexible coverage than Economy Benefit Plans (schedule or fixed benefit). With a slightly higher costs up front than Economy Benefit Plans, Premium Plans offer a broader spectrum of coverage and include trip protection benefits such as baggage loss or trip interruption coverage. The deductible (usually $100) is applied only once during the life of the policy during your first claim. For any subsequent claim, however, your deductible will not need to be paid again. While Premium Coverage Plans allow you to visit any doctor, it is recommended that you stay within your provider network as it will save you up to 10% in copay cost. The cost of receiving treatment is split between you and your provider, with you covering the cost of the deductible and copay (usually 10%) out of pocket and your provider covering the remaining cost of treatment.

Before choosing between Premium Benefit Plans or Economy Coverage Plans, it is important to assess your budget and your comfort with assuming risk. Those two factors will dictate which plan is best for you.

Premium vs. Economy
Premium Coverage Plans offer more expansive and flexible coverage than Economy Benefit Plans. With a slightly higher costs up front, Premium Plans offer a broader spectrum of coverage and include trip protection benefits such as baggage loss and trip interruption coverage. Economy policies offer great coverage but at a lower premium for those traveling on a budget. Both premium and economy have their strong suits so it’s really up to what works best for you. With economy benefit plans you can see any doctor or seek care in any hospital. The amount the policy pays for treatment is pre-determined according to a benefit summary. Additionally, their trip protection benefits are limited. The predetermined benefit is the end of the insurance company’s responsibility, leaving you to pay the remaining balance. And lastly, the deductible is applied per illness or injury, making you responsible for meeting that deductible for every claim. This means that if you visit the doctor for cold or flu-like symptoms a deductible is required. However, if you visit the doctor again for another unrelated claim then your deductible is due again. Premium coverage plans have slightly higher costs up front than economy benefit plans, but offer a broader spectrum of coverage and result in major savings in the case of a significant medical emergency. Also, the deductible is applied only once during the life of the policy. This means that a deductible will be required for your first claim; however, for any subsequent claim your deductible will not need to be paid again. Before choosing between economy benefit plans or premium coverage plans, is important to assess your budget and your comfort with taking on risk. Those two factors will dictate which plan is best for you.
Prescription Drugs
Any type of medicine that requires a prescription from a licensed healthcare provider before it can be obtained. It's important to note that G1G only covers prescriptions in the event of an emergency. All pre-existing prescriptions should be filled before departing for travel. If you are traveling past the routine fill date, ask your home country physician for an extended refill to ensure that you have the appropriate amount to last your entire trip.
Price vs. Risk Filter
The price; risk; deductible and coverage are all aspects that may be adjusted for a more optimal plan. For example, if you assume a higher risk, the price will decrease; and vice versa. These aspects are adjustable by simply sliding each bar to the right, or the left. This will help present you with plans that meet your requirements.
Primary Destination
The country you are visiting. If you are visiting multiple destinations, this would be the country in which you are spending the most time.
Product ID
The identification number of a given insurance product - this is different from your policy number as it acts as more of general reference tool for customers and underwriters.
Product Type
Premium Coverage Plans offer more expansive and flexible coverage than Economy Benefit Plans. With a slightly higher costs up front, Premium Plans offer a broader spectrum of coverage and include trip protection benefits such as baggage loss and trip interruption coverage. Economy policies offer great coverage but at a lower premium for those traveling on a budget. Both premium and economy have their strong suits so it's really up to what works best for you. Here is a more in-depth breakdown of the two.
Type of Coverage
Comprehensive Coverage Plans
Fixed Benefit Plans
Provides an extensive and flexible scope of coverage, which is best suited for higher risk situations, or longer coverage periods.
Provides basic coverage, which is best suited for low risk situations.
Liability and Benefits
These plans cover the full expenses of treatment after the co-insurance (one-time) deductible are applied.
The costs of medical treatments and services are pre-determined by the benefit summary.
Provider Network
Plans have a provider network, which offers discounted rates and direct billing.
You can visit any doctor or hospital, regardless of any provider network.
Travel Related Coverage
Can provide benefits such as trip cancellation coverage, baggage loss or delay coverage, etc.
Not covered
Premium Cost
Higher than Schedule of Benefit Plans
Lower than Comprehensive Coverage Plans
Policy Maximum
Greater than Schedule of Benefit Plans
Lower than Comprehensive Coverage Plans
Limitations on Hospital/Doctor Visits
Comprehensive Coverage plans recommend that you stay within your provider network, since they
No limitations on which doctor or hospital you can visit, however plans will cover treatments according to the benefit summary.
Professional Pak
To be eligible for cancellation for this upgrade, you must purchase the protection plan and upgrade within 21 days of the initial trip deposit date.
Provider Directory/Network
The provider directory is a database of the hospital network, clinics, treatment facilities, doctors, and other care providers that a particular plan. Particularly relevant to Premium Coverage Plans (also known as Comprehensive Coverage Plans), provider networks offer discounts or waivers of coinsurance and co-pay costs. Common discounts are 90%-10% splits of the coinsurance (with the insurance company paying 90%, and the remaining 10% being left to the insured) or in some cases a complete waiver of the co-pay as a whole. Provider directories are closely related to PPO plans (Preferred Provider Organization). PPOs allow for a wider range of doctors to choose from, allowing the insured to stay within its provider directory (again with the incentives of waivers and discounts) or seek treatment from any doctor (but without any discounts or waivers). PPOs also allow patients to see a specialist without a referral from a Primary Care Physician. Direct access to specialists is good for people who have chronic illness, or should there be a need for urgent care.
Provider Referrals
This is when a healthcare professional refers the insured person for a second opinion regarding treatment options. If you have a PPO policy, referrals are not necessary to seek consultation. Pre qualification, however, may need to be sought from the underwriter.
Quadriplegia
Complete paralysis of all four limbs (both arms and both legs), resulting from an injury or illness suffered while traveling.
Quote
An approximation of the premium for a particular type of policy. This is best described as an estimate for policy premium, which you will receive immediately when viewing policies for purchase.
Rating
G1G only offers polices that meet our standard best which include the compilation of various external ranking systems that understand travel insurance. Further analysis includes comparisons with peers, industry standards, as well as assessments of operating plans, philosophy, management, and the connecting affiliates. All G1G policies meet the AM Best standard, as well as, the Better Business Bureau.
Record ID
The identification number of your insurance record. Typically, this is the same as your policy number that is locatable in your G1G customer portal, along with any other information you will need when discussing a previous claim or policy.
Refund of Premiums
A provision in a policy that returns the premiums to either the insured or their beneficiaries. All refunds are subject to approval and may incur a cancellation fee. In most cases, documentation or proof will be required in order to receive a refund. Regardless of reason, policies at G1G are often easily refunded or cancelled. Refunds are, however, dependent on the underwriter.
Renewability
The potential to extend a policy for a given period of time. All plans have a specific eligibility criteria to be followed. A minimum day purchase is required and in most cases the number of renewals is limited. Many of our clients utilize policy renewals to spread out the payments on a month to month basis. Eligible renewability plans can be renewed through your G1G customer portal. Prior to purchase, check the renewability details of the plan you select to make sure they meet your needs. Renewable plans include: InterMedical Inbound; Safe Travel USA; Safe Travel International; Atlas America; Inbound Immigrant; Inbound USA; Inbound Guest; all patriot plans; Liaison Majestic International; Liaison Continent; Liaison International (Outbound); Visitor Secure; Visitors Care; Cigna Travel Platinum; Travelex Basic; USAway International Major. The limitations of each are outlined in their respective policy details.
Rental Car Coverage
Coverage in the event your rental car is stolen or damaged in a traffic collision, as a result of vandalism, fire, weather related damage (hail, flood, etc), or a number of other causes. Rental cars a great way to get around while traveling, but unfamiliar road conditions makes driving abroad more likely to cause an accident. Ever been to England? Left side driving is crazy!
Repatriation of Remains
In the event of death, Repatriation of Remains covers the return of the policy holder's body back to their home country. When someone passes away while abroad, it can present both monetary and diplomatic strain for everyone involved. Policies at G1G with Repatriation of Remains coverage, assist with both cost and bureaucratic measures in retrieving the insured person's remains.
Return Home Coverage
This coverage reimburses up to 150% of your unused trip costs if you have to end your trip and return home for a covered reason. The covered reasons for interrupting your trip are the same as the covered reasons for cancelling your trip. All policies include this coverage with the exception of Inbound USA, Inbound Immigrant, all Patriot plans, and Liaison International.
Return of Minor Children
Coverage that provides for the return of a child under the age of 18 back to their home country. Apart from monetary compensation, policies with this coverage will assist with diplomatic issues that may arise during such a situation. With this coverage, your children will never be stranded if you are unable to care for them in a medical emergency.
Review Coverage
A document or brochure that describes the insured person's policy and scope of coverage. Also known as policy details, this information is most easily accessible through G1G's customer portal.
Schedule of Benefit Plans
Schedule of Benefit Plans (also known as Economy Plans) have a more inexpensive premium when compared to Premium Benefit Plans. With an Economy Benefit Plan you can see any doctor or seek care in any hospital. The amount the policy will pay for treatment is pre-determined according to a benefit summary. They offer very little to no trip protection benefits such as baggage loss or trip interruption coverage. They contribute a predetermined amount to a given medical cost; however, any remaining costs fall on you. The benefit summary is scaled to cover the costs of small medical emergencies, but often falls short of covering the entire cost of major surgeries or lengthy hospital stays. The deductible (usually $100) is applied per claim. For example, if you visit the doctor for cold or flu-like symptoms a deductible is required. However, if you visit the doctor again for another unrelated claim then your deductible is due again. While Economy Benefit Plans might not provide you with coverage in all the areas you want, it will save you some up front cost if you are willing to assume additional risk.
Schengen Border Agreement
Schengen Visa Compliance is a feature of travel medical insurance policies that ensures they will meet the requirements for traveling within the Schengen borders. Schengen compliant policies meet these basic requirements by offering Medical Emergency/Hospitalization Coverage; Medical Evacuation Coverage; and Repatriation of Remains. Additionally, the insurance underwriter must have an office located in a European country during the duration of your trip. Established in 1995, the Schengen Area consists of 26 European countries that have abolished immigration and passport controls at their shared borders; adopting a uniformed visa system. US tourists have been able to travel freely through the designated region with only one visa for up to 90 days within a six month period. Schengen Countries requiring visa holders to obtain travel medical coverage are: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Slovak Republic, Slovenia, Spain and Sweden Non-European Union members of the Schengen Borders Agreement: Iceland, Liechtenstein, Norway and Switzerland. European Union members that DO NOT participate in the Schengen Border Agreement: Bulgaria, Ireland, Romania and the United Kingdom. To obtain a visa for travel in these countries, you will need to purchase a Schengen compliant policy, print your Schengen ID card which will be immediately available through your customer portal and attach it to your visa application prior to submission. For a list of Schengen compliant policies, click here or visit the G1G customer portal.
Seat Belt and Airbag Benefit
Any provisions that provides additional benefits for the insured if their injuries occur while wearing a seatbelt or after deployment of an airbag. Air bag deployment is often a very costly auto repair since the airbags must be reset.
Specialty
Every underwriter does something particularly well, and we highlight that aspect of their company for you. That way, if you are looking for a provider that specializes in a particular field, or excels in one area over the other, our star rating system will help guide you to the perfect travel medical or trip protection carrier.
Stolen Passports/Visas
Coverage, typically in the form of reimbursement of travel costs, if your passport or visa is stolen. This benefit is often found within trip cancellation/trip interruption coverage. Apart from monetary compensation, G1G will assist you in acquiring a new passport or visa. This coverage is becoming more and more relevant with identity theft rising around the world. Additionally, we offer coverage for identity theft. Check your policy for details.
Student Coverage
Insurance designed for international students enrolled at an American university such as those on J1 visas. This insurance is also for students who are American citizens studying abroad. Often US citizens remaining within the US, who wish to seek alternatives to plans offered by the university, may purchase student or OPT coverage. Often times Universities offer only one plan option that tends to be expensive. G1G offers a wide selection of insurance plans for students and usually at better rates while exceeding the required coverage as stipulated by schools without sacrificing coverage.
Surgical Treatment
The treatment of injuries or disorders of the body by incision or manipulation, especially with instruments. Policies at G1G focus on emergency medical treatment so scheduled procedures are not covered.
Terrorism Coverage
Coverage in the event your trip is disrupted by an act of terrorism. While terrorism may be a subjective term, it is generally understood as an act, including but not limited to, the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s) committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear. While that surely sounds complicated, we maintain this language not to complicate the issue, rather, to make certain that you are always covered. Generally speaking, it's safe to assume that we will assess each scenario individually for the purpose of inclusion, rather than exclusion; rendering such coverage in your favor. We hope, for the sake of humanity, that this insurance is never used; and yet, we are always prepared in the event that it does.
Transportation PAK
A bundle, available in some plans, which combines Flight Accident Coverage and Rental Car Protection. G1G is always looking for ways to save you money so we develop these bundles whenever possible. Ask our customer service representatives for more information on bundles that will save you money by combining features.
Transportation Pak
TAILOR YOUR INSURANCE PLAN Provides two great benefits – up to $200,000 flight accident coverage per person and up to $35,000 rental car damage coverage per plan.
Travel Concierge
Travel Concierge includes restaurant, shopping, hotel recommendations/reservations, local transport (rental car, limousine, etc) information, reservations, sporting, theater, night life and event information (sports, scores, stock quotes, gift suggestions,etc.), recommendations and ticketing, golf course information, referrals, recommendations and tee times, tracking and assisting with the return of lost or delayed baggage also.
Travel Insurance
Travel Insurance is a way to protect yourself, your loved ones, and your belongings against unforeseen and unexpected risks while you are away from home. The right travel insurance policy can also safeguard your trip costs against any cancellations, interruptions and other unexpected issues that may arise.
Trip Cancellation
Coverage in the event of any unplanned or unintentional cancellation of your trip occurs. These benefits can include coverage for complications due to: illness, death or serious injury; jury service; and other unavoidable or necessary cancellation reasons such as inclement weather or common carrier financial default.
Trip Cancellation for Any Reason
Coverage in the event should a trip need to be cancelled for any reason. Often available as an upgrade to standard Trip Cancellation benefits. While Trip Cancellation Coverage protects you against inclement weather, illness and other unforeseen hindrances of your trip; Trip Cancellation for Any Reason, offers you the ability to cancel for any reason at all. With this comes a slightly higher premium and only a 75% payout on claims, as opposed to a 100% payout for regular Trip Cancellation Coverage. It really comes down to flexibility vs. cost/payout.
Trip Cost
Total per person cost for rental car, flight, accommodations, etc... This does not include the insurance policy premium and should be provided to us prior to the purchasing of a policy. this will ensure that everything is covered under trip protection coverage, one of our many great features!
Trip Interruption
Any unplanned or unintentional disruption of your travel itinerary such as illness or inclement weather. In most cases, if your trip is cancelled, G1G policies will reimburse you for the total cost of incidentals. This may include lost accommodations or reserved air travel.
Tuition Reimbursement
50% of any unreimbursed tuition expense up to a maximum of $1,250 if you suffer a Covered Injury or Sickness which prevents you from taking final examinations or make-up examinations. The condition must last at least four (4) consecutive weeks and be certified by a Doctor.
US Citizen
A citizen of the United States. This includes someone born on US soil or a naturalized citizen of the United States. It's important to make sure that the policies you are viewing, extend to your country as some are limited elusively to US citizens.
US Contact
Contact information if you are trying to reach your provider from within the United States. This information is available 24/7 through your customer portal. If you are unable to locate contact information, give us a call and we will help you find it.
US Network
If you are visiting the US, it’s important to know which providers have a more expansive network of physicians, hospitals and clinics for you to choose from. This will enable ease of accessibility, and increase your choices in finding medical attention best suited to you or your loved ones.
Underwriter
The insurance underwriter (also known as a carrier) is the entity which provides you with your coverage and assumes the bulk of the risk on a travel insurance policy. G1G is an aggregator of carriers and underwriters, and it is our mission to best match you with the carrier/underwriter who is best suited to meet your insurance needs. G1G carefully selects each underwriter in accordance to a list of strict criteria.
Urgent Care
A walk-in clinic dedicated to treat of injuries or illnesses requiring immediate care, but not serious enough to require an Emergency Room visit
Vision Coverage
Often available as a supplement to medical coverage policies, Vision Coverage provides assistance to help offset the cost of emergency vision treatment. G1G does not, however, extend coverage for routine checkups, or new glasses or contacts, so be sure to have all of that done before you depart on your trip.
Visitors Insurance
Visitors Insurance protects your friends, relatives, and other visitors coming to North America. Coverage is provided in the event of any medical emergency and offers financial protection against illness, injury, or death. A visitors insurance policy also gives you confidence that in the event of an emergency, your loved ones have medical protection to visit any doctor, or hospital in the United States or Canada.
War Coverage
Coverage in the event that your trip is disrupted by an act of war. Often, airports are the first government facilities to be closed in the event of war, causing you difficulty. We also recommend seeking policies that offer political evacuation coverage.
Year Established
While G1G has been around since 1985, some of our underwriters are a bit newer, and some are substantially older. Regardless of the time each underwriter has been around, every single one of them meets the G1G standard, so you can feel safe in purchasing a policy from our youngest, to our oldest partners.