Travel medical insurance coverage policy
A portion of your trip cost established by Habitat for Humanity covers the cost of insurance coverage. By paying your trip cost, you will automatically be insured against medical accident; illness; and accidental loss of life, limb, sight, speech or hearing while participating in volunteer activities sponsored and supervised by Habitat for Humanity. This mandatory insurance coverage is designed to protect Habitat’s Global Village trip volunteers and is part of a comprehensive risk management program.
This plan of insurance is underwritten by ACE American Insurance Company. This page is a brief description of benefits available under the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the policy on file with Habitat for Humanity International under policy number GLM N10784177 and PTP N11207522.
This information provides you with a brief outline of the services available to you. These services are not insured benefits. Reimbursement for any service expenses is limited to the terms and conditions of the policy under which you are insured. You may be required to pay for services not covered.
A third-party vendor may provide services to you. Europ Assistance makes every effort to refer you to appropriate medical and other service providers. It is not responsible for the quality or results of service provided by independent providers. In all cases, the medical provider, facility, legal counsel or other professional service provider suggested by Europ Assistance is not an employee or agent of Europ Assistance, and the choice of provider is yours alone. Europ Assistance assumes no liability for the services provided to you under this arrangement, nor is it liable for any negligence or other wrongful acts or omissions of any of the legal or health care professionals providing services to you. Travel assistance services are not available if your coverage under the policy is not in effect.
Specifications, provisions and exclusions
Coverage is sold on a per-day basis, commences at the actual start of the published itinerary and terminates at the end of the published itinerary.
Some of the policy’s specifications, provisions and exclusions are listed below. The full list can be found here.
- Intentionally self-inflicted injuries.
- Suicide or attempted suicide while sane.
- Pregnancy, childbirth or miscarriage.
- Accidents occurring while a passenger on, operating or learning to operate any aircraft.
- Injuries or sickness suffered while under the influence of drugs (other than prescribed) or alcohol.
- Injuries or illness suffered while racing or committing or attempting to commit a felony.
- Injuries caused by or resulting from recreational travel in or on any off-road motorized vehicle not requiring licensing as a motor vehicle, or a motor vehicle not designed primarily for use on public streets or highways.
- Injuries resulting from off-road motorcycling; scuba diving; jet, snow or water skiing; mountain climbing (where ropes or guides are used); sky diving; amateur automobile racing; automobile racing or automobile speed contests; bungee jumping; spelunking; white water rafting; surfing; or parasailing.
For international trips, covered medical expenses incurred for treatment of a pre-existing condition are limited to a maximum of $50,000. “Pre-existing condition” means any injury or illness that was contracted or that manifested itself, or for which treatment or medication was prescribed, before the effective date of this insurance.
Insurance benefits are underwritten by ACE American Insurance Company. The insurance policy includes all of the terms and conditions of coverage. ACE USA is the U.S.-based operating division of the ACE Group of Companies, headed by ACE Ltd. Insurance products and services are provided by ACE Insurance underwriting companies and not by the parent company itself.
Affordable Care Act
This policy provides travel insurance benefits for individuals traveling outside of their home country. This policy does not constitute comprehensive health insurance coverage (often referred to as major medical coverage) and does not satisfy a person’s individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act. For more information about the ACA, please refer to www.HealthCare.gov.