Policies
Seven Plans. Two Policy Types. Choice Made Simple.
iNext offers seven policies 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 policy. The next step is to decide on the level of coverage that is right for you.
Supplemental Policies
iNext Supplemental policies are designed to cover expenses for any unexpected accidents or illnesses that occur while the insured is overseas and are not covered by traditional U.S. domestic medical insurance. These policies are most appropriate for travelers who already have some primary insurance coverage in the U.S.
Comprehensive Policies
iNext Comprehensive policies are designed for the traveler who may not have primary insurance or has limited coverage overseas. In short, comprehensive policies are for the person who is looking for a policy with richer medical benefits.
| 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 Evacuation |
$300,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
$1,000,000 |
| Repatriation of Remains |
$25,000 |
$50,000 |
$50,000 |
$50,000 |
$50,000 |
| Accidental Death and Dismemberment |
$5,000 |
$10,000 |
$10,000 |
Air $100,000 / Other $20,000 |
Air $100,000 / Other $20,000 |
| Baggage Delay |
$100 |
$200 |
$200 |
$200 |
$200 |
| Travel Document Replacement |
$500 |
$1,000 |
$1,000 |
$1,000 |
$1,000 |
| 24-Hour Medical Assistance Services |
Included |
Included |
Included |
Included |
Included |
| 24-Hour Legal Assistance |
Included |
Included |
Included |
Included |
Included |
| 24-Hour Travel Assistance |
Included |
Included |
Included |
Included |
Included |
| Trip Delay |
— |
$200 |
$200 |
$200 |
$200 |
| Baggage and Personal Effects Loss |
— |
$2,000 |
$2,500 |
$2,500 |
$2,500 |
| Mental Health |
— |
— |
— |
$15,000 |
$15,000 |
| Trip Cancellation / Trip Interruption |
— |
— |
$1,500 |
— |
$3,000 |
| Deductible |
$0 |
$0 |
| Accident and Sickness Medical Expense |
$250,000 |
$250,000 |
| Coinsurance |
100% to the plan maximum | 100% to the plan maximum |
| Maternity |
Covered as any other illness |
Covered as any other illness |
| Mental Illness |
Inpatient: $10,000 (Max of 30 days); Outpatient: $10,000 |
Inpatient: $10,000 (Max of 30 days); Outpatient: $10,000 |
| Alcohol and Drug Abuse |
Inpatient: $10,000 (Max of 30 days); Outpatient: $10,000 |
Inpatient: $10,000 (Max of 30 days); Outpatient: $10,000 |
| Spinal Manipulation |
$350 |
$350 |
| Unexpected Recurrence of a Pre-Existing Condition |
$5,000 |
$5,000 |
| Dental Emergency |
$250 per tooth—$2,000 Max |
$250 per tooth—$2,000 Max |
| Dental (palliative / alleviation of pain) |
$250 |
$250 |
| Emergency Medical Evacuation |
$1,000,000 |
$1,000,000 |
| Repatriation of Remains/Cremation |
$50,000 |
$50,000 |
| Emergency Reunion |
$5,000 |
$5,000 |
| Return Ticket as the Result of a Quarantine |
$2,500 |
$2,500 |
| Accidental Death & Dismemberment |
$20,000 |
$20,000 |
| Interscholastic Sports-related Injuries |
$100,000 |
$100,000 |
| Intramural, Club, & Recreational Sports Injuries |
$100,000 |
$100,000 |
| Home Country Coverage |
$5,000 (Max of 30 days) |
$5,000 (Max of 30 days) |
| Home Country Extension of Benefits |
$5,000 (Max of 30 days) |
$5,000 (Max of 30 days) |
| Political Evacuation |
$100,000 |
$100,000 |
| Natural Disaster Evacuation |
$100,000 |
$100,000 |
| 24 hour Travel Assistance Services |
Included |
Included |
| Trip Delay |
$50/Day—$200 Max |
$50/Day—$200 Max |
| Trip Delay—Due to Quarantine |
$250/Day—$2,500 Max |
$250/Day—$2,500 Max |
| Loss of Baggage and Personal Effects |
$2,000 |
$2,000 |
| Baggage Delay |
$200 |
$200 |
| Trip Cancellation / Trip Interruption |
— |
$5,000 |
| Accidental Death & Dismemberment—Air Only |
— |
$100,000 Aggregate per occurrence: $1,000,000 |