Comprehensive Plans
iNext offers a comprehensive base plan and additional upgrade options for both natural disaster and political evacuation as well as trip cancellation and interruption. Comprehensive plans are fulfilled through Virginia Surety Company with assistance services provided by On Call International. These plans are designed for the traveler who may intend to spend longer periods of time overseas and visit more non-traditional destinations. Additionally, these plans are appropriate for travelers who may not have primary insurance or a primary insurance plan with limited or no coverage overseas. Please note that you must purchase the Comprehensive base plan in order to purchase the upgrade options.
| Deductible |
$0 |
| Medical Expense |
$250,000 or $500,000 |
| Accident Expense |
$500,000 |
| Coinsurance |
100% to plan maximum |
| Mental Health |
Included in $250,000/$500,000 Medical Expense |
| Self-Inflicted Injury |
Included in $250,000/$500,000 Medical Expense |
| Repatriation of Remains |
$50,000 |
| Emergency Reunion |
Included un $250,000/$500,000 Medical Expense |
| Emergency Medical Evacutaion |
$1,000,000 |
| Cashless Access to Emergency Care |
Up to $5,000 for covered event |
| Alcohol and Drug Abuse |
Included in $250,000/$500,000 Medical Expense |
| Accidental Death and Dismemberment |
$20,000 per insured |
| Maternity |
Included in $250,000/$500,000 Medical Expense |
| Dental Emergency |
Up to $750.00 |
| Interscholastic Sports-Related Injuries |
Included in $250,000/$500,000 Medical Expense |
| Intramural, Club, and Recreational Sports Injuries |
Included in $250,000/$500,000 Medical Expense |
| 24-Hour Travel Assistance, Including Medical Translation |
Included–Provided by EuropAssist |
| Trip Delay |
$50 per day–$200 maximum |
| Trip Delay Due to Quarantine |
$250/day–$2,500 maximum |
| Loss of Baggage and Personal Effects |
$2,000 |
| Baggage Delay |
$200 |
| Political Evacuation |
$100,000 |
| Natural Disaster Evacuation |
$100,000 |
| Kidnapping/Ransom Consulting |
$250,000 |
| Trip Cancellation/Trip Interruption |
100% of Trip Cost up to $5,000 |
| Accidental Death and Dismemberment–Air Only |
$100,000, aggregate per occurrence up to $1,000,000 |
The price listed for each plan is a one-time fee for 365 days of coverage. Please refer to Description of Coverage for a full list and explanation of coverage and exclusions.
*This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. This Plan is underwritten by Virginia Surety Company, Inc. with its principal place of business at 175 West Jackson, Chicago, IL 60604. The Master Policy is issued to the American Consumers Insurance Trust of Washington DC, filed under Form #IN/OUT-EOC (01/2004), and contains complete details of the coverage and is the governing document. A copy of the Policy is available for inspection at the Plan Administrator’s office. The Master Policy shall control in the event of any conflict between this brochure and the Policy. Please note that coverage may not be available in all states.