Comprehensive Policies
iNext offers two levels of comprehensive coverage to select from. Comprehensive policies are fulfilled through Virginia Surety Company with assistance services provided by On Call International. These policies are designed for the traveler who may intend to spend longer periods of time overseas and visit more non-traditional destinations. Additionally, these policies are appropriate for travelers who may not have primary insurance or a primary insurance policy with limited or no coverage overseas.
| 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 |
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.