Plans
Six Plans. Two types of coverage. Choice made simple.
iNext offers six plans to choose from. The first step is to explore our two types of travel insurance offerings and decide whether you require a supplemental or comprehensive plan. The next step is to decide on the range of benefits that are right for you.
Supplemental Plans
iNext Supplemental plans are designed to cover expenses for any unexpected accidents or illnesses that occur due to covered reasons while the insured is overseas and may not be covered by traditional U.S. domestic medical insurance plans. These plans are most appropriate for travelers who already have health insurance coverage in the U.S.
Comprehensive Plans
The iNext Comprehensive plan is designed for the traveler who may not have primary insurance or has limited coverage overseas. In short, the Comprehensive plan is for the person who is looking for a plan with richer medical benefits. In addition to the Comprehensive medical plan, insureds have the option to add coverage such as natural disaster and political evacuation as well as trip cancellation and interruption.
| Deductible |
$0 |
$0 |
$0 |
$0 |
$0 |
| Medical Expense |
Accident $25,000/
Sickness $15,000 |
Accident $100,000/
Sickness $20,000 |
$100,000 |
$100,000 |
$100,000 |
| Dental |
$500 |
$500 |
$500 |
$500 |
$500 |
| Emergency Medical Transportation |
$300,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
| Bedside Visit |
Included |
Included |
Included |
Included |
Included |
| Repatriation of Remains |
$25,000 |
$50,000 |
$50,000 |
$50,000 |
$50,000 |
| Accidental Death and Dismemberment |
$5,000 |
$10,000 |
$10,000 |
$20,000 |
$20,000 |
| Flight Guard |
— |
— |
— |
$100,000 |
$100,000 |
| Baggage Delay |
$100 |
$200 |
$200 |
$200 |
$200 |
| Travel Document Replacement |
$500 |
$1,000 |
$1,000 |
$1,000 |
$1,000 |
| Trip Delay |
— |
$200 |
$200 |
$200 |
$200 |
| Loss of Baggage and Personal Effects |
— |
$2,000 |
$2,500 |
$2,500 |
$2,500 |
| Mental Health |
— |
— |
— |
$15,000 |
$15,000 |
| Trip Cancellation/Trip Interruption |
— |
— |
$1,500 |
— |
$3,000 |
| 24 Hour Travel Medical Assistance |
Included |
Included |
Included |
Included |
Included |
| 24 Hour Worldwide Travel Assistance |
Included |
Included |
Included |
Included |
Included |
| 24 Hour LiveTravel Emergency Assistance |
Included |
Included |
Included |
Included |
Included |
| 24 Hour Concierge Services |
Included |
Included |
Included |
Included |
Included |
| Supplemental Optional Upgrades |
| Security Evacuation Upgrade |
$30 per person annually |
| Security Evacuation with Natural Disaster Coverage |
$100,000 |
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. Insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, New York, NY 10038 and currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states.
| Deductible |
$0 |
| Accident and Sickness Medical Expense |
$250,000 |
| Coverage |
100% to the plan maximum |
| Maternity |
Covered as any other illness |
| Mental Illness |
Inpatient: $10,000 - Max 30 days; Outpatient: $10,000 (at 100%) |
| Alcohol and Drug Abuse |
Inpatient: $10,000 - Max 30 days; Outpatient: $10,000 (at 100%) |
| Spinal Manipulation |
$350 |
| Unexpected Recurrence of a Pre-Existing Condition |
$5,000 |
| Dental (emergency) |
$250 per tooth—$2,000 Max |
| Dental (palliative / alleviation of pain) |
$250 |
| Emergency Medical Transportation |
$1,000,000 |
| Repatriation of Remains |
$50,000 |
| Emergency Reunion |
$5,000 |
| Return Ticket as the Result of a Quarantine |
$2,500 |
| Accidental Death & Dismemberment |
$20,000 |
| Interscholastic Sports-related Injuries |
$100,000 |
| Intramural, Club, & Recreational Sports Injuries |
$100,000 |
| Home Country Coverage |
$5,000 (Max of 30 days) |
| Home Country Extension of Benefits |
$5,000 (Max of 30 days) |
| 24 hour Travel Assistance Services |
Included |
| Trip Delay |
$50/Day—$200 Max |
| Trip Delay—Due to Quarantine |
$250/Day—$2,500 Max |
| Loss of Baggage and Personal Effects |
$2,000 |
| Baggage Delay |
$200 |
| Optional Upgrade Packages (only available with Comprehensive plan) |
| Political Evacuation |
$100,000 |
| Natural Disaster Evacuation |
$100,000 |
| Trip Cancellation and Interruption |
100% of Trip Cost up to $5,000 |
| Accidental Death and Dismemberment - Air Only |
$100,000, Aggregate per occurrence: $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.