Annual Travel Plans
Annual Travel plans are ideal for the frequent traveler or business executive who needs cover for an unlimited number of overseas trips per year. Pacific Cross provides peace of mind for your travel.
Key Features
Whenever you travel abroad coverage begins automatically, for up to 90 days per trip | No deductible for all benefits (except optional Car Rental Protection) | Provides cover for winter sports, trekking, scuba diving, rafting, bungy jumping and various aquatic sports with no additional premium | Baggage & Personal Effects cover extends to laptop computers | Additional Personal Accident benefit available up to US$500,000
Please follow the link for a full copy of the Annual Travel Plan Brochure.
Please follow the link for a full copy of the Policy Document Annual Travel Insurance.
| Schedule of Benefits (in USD) | Executive | Premier |
|---|---|---|
| Personal Accident Benefit | ||
| Accidental death or permanent disability including loss of one or more limbs or loss of sight in one or both eyes. The limit of cover for children under 18 years of age is US$20,000. | $100,000 | $250,000 |
| Medical Expenses & Emergency Assistance | ||
| The cost of medical treatment arising from illness or accidental injury. | ||
| Medical Expenses – Expense Fees for hos pitalization, surgery, ambulance, medicine and tests with a maximum of US$300 per day for hospital room and board, and US$1,000 if the room fee includes the fees for all professional services | $75,000 | $100,000 |
| Follow-up Care – Medical expenses reasonably incurred immediately following discharge from hospital within 90 days of return to Country of Residence. | $6,500 | $6,500 |
| Emergency Evacuation – Emergency evacuation to the neare st facility capable of providing adequate medical care. | 100% | 100% |
| Repatriation – Repatriation to the Country of Residence when the Company and attending physician determine that it is necessary. | 100% | 100% |
| Hospital Expenses Guarantee – Guarantee eligible medical expenses when hospital bills exceed US$2,500 | Included | Included |
| Additional Costs of Travel & Accommodation – Additional travelling costs of the Insured Person for returning to the Country of Residence and additional costs of accommodation incurred by the Insured Person and an insured family member or travelling companion when such costs arise from a hospital confinement due to a covered Disability necessitating medical treatment of the Insured Person. | $3,500 | $5,000 |
| Family Member Visit – Travelling costs for 2 Immediate Family Members to join the Insured Person who is confined in hospital for more than 3 days or is dead abroad. | $3,500 | $5,000 |
| Return of Children – Reasonable additional accommodation and travelling expenses for unattended insured children (age below 14) return to the Country of Residence. | $3,500 | $5,000 |
| Burial and Funeral – Transportation charges for repatriation of the mortal remains to the Country of Re sidence or origin. | $2,000 | $3,000 |
| Referral Services – All referral services such as legal assistance, interpreter, obtaining replacement of lost travel document or air ticket, etc. | Included | Included |
| Incidental Benefits | ||
| Hospital Cash Allowance - US$50 for each complete day the Insured Person is hospitalized over 24 hours as a result of a covered Disability. | $750 | $1,000 |
| Baggage & Personal Effects - Loss or damage directly resulting from Accident, theft, burglary, robbery or mishandling by carriers to the Insured Person’s baggage or personal items carried. The limit is US$250 per item and US$500 per pair or set. | $1,000 | $2,000 |
| Loss of laptop computer | $500 | $1,000 |
| Baggage Delay - Emergency purchases of essenital items of toiletries and clothing up to a maximum of US$65 per article when the checked baggage is delayed for at least 12 hours from the time of arrival at destination. | $125 | $250 |
| Loss of Travel Documents - Cost of obtaining replacements of passport, air tickets, travel expenses and accommodation incurred to obtain such replacement arising from theft, burglary, robbery and accidental loss. Maximum limit per day for travel and accommodation expenses is US$200 for Premier Plan and US$150 for Executive Plan. | $1,500 | $2,000 |
| Personal Money - Loss of cash, bank notes and travellers checks arising from theft, burglary or robbery. | $325 | $500 |
| Travel Delay | ||
| Additional Travel Cost – Transportation expenses necessarily incurred as a direct consequence of travel delay resulting from serious weather conditions, natural disasters (earthquake, flood, hurricane, tornado, tsunami, etc.), industrial action, hijack, mechanical derangement only if the Insured Person has to re-route his trip due to cancellation of a prior confirmed booking. | $500 | $800 |
| Cash Allowance –If the Insured Person need not pay additional travelling cost in the event of travel delay, the Insured Person will be indemnified at US$25 for each full 6 hours delay. | $125 | $175 |
| Curtailment of Trip & Cancellation Charges - Reimbursement of irrecoverable prepaid travel arrangement deposits or any increased cost of travel in the event of death, serious injury or illness of the Insured Person, Immediate Family Members, Close Business Partner or travel companion of the Insured Person, witness summons, jury service, compulsory quarantine; natural disasters at the planned destination or complete destruction of the Insured Person’s principal residence. | $4,500 | $6,500 |
| Personal Liability - Indemnity against legal liability to a third party as a result of accidental injury or loss or damage to property during the Peri od of Insurance. (This benefit does not apply to the use or hire of motor vehicles.) | $65,000 | $100,000 |
| Optional Benefits | ||
| Rental Car Protection (for adult between age 23 and 75) - Loss or damage occurs to a rental car result directly from fire,theft, collision or vandalism. Deductible: US$500 | $10,000 (Optional) | $10,000 (Optional) |
| Additional Personal Accident Benefit (for adult between age 18 and 65) | Up to Total Sum insured $500,000 (Optional) | Up to Total Sum insured $500,000 (Optional) |