WHY TRAVEL INSURANCE?
In a world of interlocked interests, traveling became an integral part of contemporary lives of many of us. In light of constantly being on the move, it is rare that our international flights are not subjected to some inconvenience beyond our control. This could be in the form of delays in reaching our destination, coming back home, lost or delayed baggage or having to obtain urgent medical treatment, God forbid, during our presence abroad.To avoid such situations, we in Trust Yemen have launched the "individual travel solutions". The solutions are designed to give you many advantages and comprehensive plans to deal with any unexpected surprises when you are traveling, and to ensure the full enjoyment of your trip away from any concern.
NAVIGATOR TRAVEL INSURANCE PLANS SCHEDULE OF BENEFITS AND LIMITS
| PLANS | PLATINUM PLAN | GOLDEN PLAN | SILVER SCHENGEN PLAN |
|---|---|---|---|
| Area of Cover: |
Zone 1: Worldwide incl. USA, Canada, Australia & Japan Zone 2: Worldwide excl. USA, Canada, Australia & Japan |
Zone 1: Worldwide incl. USA, Canada, Australia & Japan Zone 2: Worldwide excl. USA, Canada, Australia & Japan Zone 3: Arab Countries, GCC and India |
Schengen Countries Only |
| SECTION 1: PERSONAL ASSISTANCE | |||
| Benefits | Limit Up to (USD) | Limit Up to (USD) | Limit Up to (USD) |
| 1. Medical, hospitalization, pharmaceutical expenses, and surgical expenses abroad, due to accident / sudden illness. | Up to USD 75,000 | Up to USD 50,000 | Up to EURO 30,000 |
| 2. Emergency dental care abroad. | Up to USD 250 | Up to USD 250 | Up to USD 250 |
| 3. Transport to a properly equipped medical facility/ repatriation in case of accident / sudden illness (Medical Evacuation & Repatriation). | Up to Actual Expenses Included Under Medical Expenses | Up to Actual Expenses Included Under Medical Expenses | Up to Actual Expenses Included Under Medical Expenses |
| 4. Repatriation of Mortal Remains to the country of residence. | Up to USD 20,000 Included Under Medical Expenses | Up to USD 20,000 Included Under Medical Expenses | Up to USD 5,000 Included Under Medical Expenses |
| 5. Emergency return home to the country of residence following death of a close family member. | Up to the Cost of Return Economy Ticket | Up to the Cost of Return Economy Ticket | |
| 6. Travel and stay of one immediate family member to stay with the insured in case of accident/ sudden illness (Compassionate Visit). | Up to the Cost of Return Economy Ticket Per Day USD 100 Up to USD 500 |
Up to the Cost of Return Economy Ticket Per Day USD 100 Up to USD 500 |
|
| 7. Escort of minor child in case of accident/ sudden illness of the insured. | Up to USD 5,000 | Up to USD 5,000 | |
| 8. Sea and Mountain rescue expenses. | Up to USD 35,000 | ||
| 9. Travel Assistance services. | Covered 24/7 | Covered 24/7 | |
| 10. Delivery of medicines or dispatched of a specialized physician abroad. | Assistance Only | Assistance Only | |
| 11. Medical referral/appointment of local medical specialist abroad. | Assistance Only | Assistance Only | |
| 12. Connection services. | Assistance Only | ||
| 13. Relay of urgent messages. | Assistance Only | ||
| COVID-19 EXTENSION | |||
| 1. Emergency Medical Expenses and Medical Stabilization due to Covid-19 | Up to EURO 30,000 | Up to USD 35,000 | |
| SECTION 2: TRIP CANCELLATION & DELAY | |||
| Benefits | Limit Up to (USD) | Limit Up to (USD) | Limit Up to (USD) |
| 1. Trip cancellation and curtailment abroad. | Up to USD 1,000 | Up to USD 1,000 | |
| 2. Trip cancellation and curtailment abroad. (Optional) | Max 75% of the actual cost | ||
| 3. Delayed departure abroad. | Per Hour 30 Up to 750 For Necessary Items Deductible: 5 Hours |
Per Hour 30 Up to 750 For Necessary Items Deductible: 5 Hours |
|
| 4. Missed flight connection abroad. | Replacement of flight ticket Deductible: 3 Hours |
||
| SECTION 3: LUGGAGE ASSISTANCE | |||
| Benefits | Limit Up to (USD) | Limit Up to (USD) | Limit Up to (USD) |
| 1. Compensation for in-flight loss of checked-in luggage. | Per Bag 150 Per Item 50 Up to 1000 |
Per Bag 150 Per Item 50 Up to 750 |
|
| 2. Compensation for delay in the arrival of checked-in luggage abroad. | 300 For Necessary Items Deductible: 12 Hours |
300 For Necessary Items Deductible: 12 Hours |
|
| 3. Location and forwarding of delayed checked-in luggage and personal effects. | Assistance Only | Assistance Only | |
| 5. Loss of credit card abroad. | Up to 500 | Up to 500 | |
| 6. Loss of personal money abroad. | Up to 500 | Up to 500 | |
| 7. Loss of passport, driving license, national identity abroad. | Up to 100 | Up to 100 | |
| SECTION 4: PERSONAL ACCIDENTS | |||
| Benefits | Limit Up to (USD) | Limit Up to (USD) | Limit Up to (USD) |
| 1. Accidental Death While Abroad | Sum Insured: 50,000 (Insured Up to age 18: 25,000) |
Sum Insured: 5,000 | |
| 2. Permanent Total Disability | 100% of Sum Insured | ||
| 3. Permanent Partial Disability | % of Sum Insured as per wording scale | ||
| (*) Deductible amount Each and Every Claim according to “Age” | |||
| From 30 days to 65 years old | USD 50 | USD 50 | USD 50 |
| From 66 years to 70 years old | USD 100 | USD 100 | USD 100 |
| From 71 years to 75 years old | USD 250 | USD 250 | USD 250 |
| From 76 years to 80 years old | USD 500 | USD 500 | USD 500 |
| From 81 years to 85 years old | USD 750 | USD 750 | USD 750 |