Medical Benefit Limitations	Insurer pays after the deuctible and copayment, if appicable, subject to First Level Payment Percentage listed above
Professional Services a. Surgery, anesthesia, radiation therapy, in-hospital doctor visits, diagnostic X-ray and lab b. Office Visits: including X-rays and lab work billed by the attending physician.	The Insurer will pay 100% of the Reasonable Charges up to a maximum as stated on the Insured Person's Declaration page.
Inpatient Hospital Services: a. Surgery, X-rays, In-hospital doctor visits b. In-patient medical emergency	The Insurer will pay 100% of the Reasonable Charges up to a maximum as stated on the Insured Person's Declaration page
Ambulatory Surgical Center	The Insurer will pay 100% of the Reasonable Charges up to a maximum as stated on the Insured Person's Declaration page
Ambulance Service (non Medical Evacuation)	100% up to $1,000 Maximum per Trip Period
Benefits for claims resulting from: downhill (alpine) skiing scuba diving (certification by the Professional Association of Diving Instructors (PADI) or the National Association of Underwater Instructors (NAUI) required or diving under the supervision of a certified instructor)	Reasonable Charges limited to the Trip Period Maximum up to $10,000 whichever is less
Outside the U.S. Outpatient prescription drugs	100% of Reasonable Charges up to $2,500 Maximum per Trip Period
Dental Care required due to an Injury	100% of Reasonable Charges with a maximum benefit of $200 per Trip Period
Dental Care for Relief of Pain	100% of Covered Expenses up to $100 maximum per Trip Period
Physical and/or Occupational Therapy/Medicine, including spinal maniputlations and other specified therapies including acupuncture	Maximum payment of $50 per visit and maximum of 6 visits per Period of Insurance

Services provided in addition to the benefits above

GeoBlue Global Health and Security Services

• Access to contracted doctors in more than 180 countries
• Access to worldwide security information in more than 166 countries and 245 cities
• Online doctor search with more than 4,200 contracted physicians.
• Access to Drug Translation Guide
• Health and security news alerts
• Provided through the GeoBlue Travelers Club

Ten Day Money Back Guarantee
YOUR SATISFACTION IS GUARANTEED. We are so confident in our products that we offer the best guarantee in the business! If you are not completely satisfied with our GeoBlue Trekker Essential Product, simply return your Certificate of Insurance and your ID Card to GeoBlue within 10 days of receipt and include a letter indicating your desire to cancel. If you have not already left for your trip before the date of your letter, you will receive a full refund.

Policy Maximums	Insurer pays Per Insured Person
First Level Payment	The Insurer will pay 100% of the Reasonable Charges up to a maximum benefit as stated on the Insured Person's Declaration page
Repatriation Of Remains	Deductible is not applicable. Maximum Benefit up to $25,000
Bedside Visit	Deductible is not applicable. Maximum Benefit per Trip Period up to $1,500 for the cost of one economy round-trip air fare ticket to, and the hotel accomodations in, the place of the Hospital Confinement for one (1) person