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Emergency Medical Evacuation Insurance

Designed for those travelers who need to fill the gaps in their international medical insurance. Sky Rescue provides coverage for such benefits as emergency medical evacuation, repatriation, reunion and emergency assistance services.

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An Easy Insurance Solution for institutions sponsoring Exchange Visitor programs

We know that arranging insurance for Exchange Visitors is not always a simple process. Insurance for medical evacuation and repatriation is a requirement for all participants in Exchange Visitor (J-1) programs and some health plans do not provide this coverage. This can cause sponsors to experience concerns about compliance or coverage gaps. Sky Rescue provides a simple solution to this challenge.

Sky Rescue is an annual, renewable insurance plan that provides medical evacuation and repatriation coverage. The Plan is designed to help institutions ensure compliance with government mandates. Sky Rescue offers a simple way to obtain the required insurance coverage. A sponsoring institution can submit an Application for Exchange Visitor needing coverage throughout the year. It's that simple!

Plan Features and Limits
Emergency Medical Evacuation	Sky Rescue includes coverage for emergency medical evacuation to the nearest qualified medical facility; expenses for reasonable travel and accommodation resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred up to $100,000. Up to $25,000 will be paid for the eligible costs and expenses of an emergency medical evacuation arising or resulting from a sudden and unexpected recurrence of a pre-existing condition.
Emergency reunion coverage	Up to $15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an emergency medical evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.
Return of Mortal Remains	If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $20,000. To be eligible for the Evacuation, Reunion and Return benefits, these must be recommended by the attending physician in critical medical situations, and approved in advance and coordinated by IMG.
Accidental Death & Dismemberment	In the event of the accidental death of an insured, the plan will pay $100,000 to the insured's estate or designated beneficiary provided that the death was not the result of a pre-existing condition. In the event of dismemberment suffered by an insured, the plan will pay as specified below:
Loss Benefit:
Sight of one eye	$50,000
One hand or one foot	$50,000
One hand and the loss of sight in one eye	$100,000
One foot and the loss of sight of one eye	$100,000
One hand and one foot	$100,000
Both hands or both feet	$100,000
Sight of both eyes	$100,000
International Emergency Care (when coordinated through the Plan administrator)
Political Evacuation And Repatriation	Up To $10,000 when coordinated through the Plan Administrator If the United States Department of State issues a travel advisory that becomes effective or is in effect on or after the insured''s date of arrival, the plan will pay up to $10,000 for transportation to the nearest place of safety or for repatriation to the insured’s home country. The insured must contact the plan administrator within 10 days of the travel advisory and the evacuation/repatriation must be approved and coordinated by the plan administrator.
Personal Liability Coverage: Injury to a Third Person	Up to $2,000 after a $100 special deductible
Personal Liability Coverage: Damage to a Third Person''s Property	Up to $500 after a $100 special deductible
Emergency Services	Even the smallest disruption can be an emergency when you are abroad. You may lose your prescription medication and need a replacement, or maybe you are a victim of a “pick pocket” and your passport is stolen and you need assistance replacing it. IMG offers a complete arrangement of emergency travel assistance services so you can spend more time enjoying your international experience and spend less time worrying about your medical security. Emergency Travel Arrangements - In the event you must return home or discontinue your trip as a result of an interruption in travel due to an illness of your spouse, child, parent, in-law, or grandparent, IMG will help you make the appropriate travel arrangements. You are responsible for the cost of the travel tickets. Lost Passport/Travel Documents Assistance - IMG will help you report, retrieve or replace lost or stolen travel documents, such as your passport, credit cards and airline tickets. Lost Luggage Assistance - IMG will assist you in communicating with the commercial carrier for the return of your lost luggage. Embassy or Consulate Referral - IMG will inform you of the location and contact telephone numbers for the nearest embassy or consulate, no matter where you are. Emergency Message Relay - IMG will receive or transmit emergency messages between you, your family and your employer. Emergency Prescription Replacement - IMG will assist with the replacement of lost or damaged prescription medication. You are responsible for the cost of the actual medication and shipping costs (if any). Medical Referral - If urgent medical advice or care is needed, IMG is prepared to refer you to the nearest appropriate care facility or provide a listing of available medical care to you. IMG will also help with obtaining an appointment with the medical care provider you have chosen. 24-Hour Medical Monitoring - If you are hospitalized, IMG will provide medical professionals to communicate with your treating doctor(s) and help monitor your condition. IMG will also communicate with your family doctor as you direct. Emergency Cash Transfer - IMG will help you transfer funds up to US$500, in the event of a medical or travel emergency. Legal Referrals - IMG will provide you with a referral to the nearest attorney. Emergency Translations - IMG will provide you with personal, emergency telephone translation services and referral to a local interpreter service should you require language assistance.

Exclusions

Charges for the following services, treatments and/or conditions, among others, are excluded from coverage under the Sky Rescue plan.

A Pre-existing Condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
War, military action, terrorism, political insurrection, protest, or any act thereof. The Company will not pay for a Political Evacuation if there is a travel advisory in effect on or within six (6) months prior to the Insured Person’s date of arrival in the Host Country.
AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
Charges for pre-natal care, delivery, post-natal care, and care of newborns, including complications of pregnancy, miscarriage, complication of delivery and/or complications of newborns.
Injury sustained while participating in amateur or professional sports, including practice or preparation for such sports, or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, wind-surfing and whitewater rafting.
Charges, injuries and/or illness resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
Willfully self-inflicted injury or illness.
Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
Treatment for mental and nervous disorders.
Charges incurred for any travel, meals, transportation and/or accommodations, except as otherwise expressly provided for in this insurance.
Any taxes, involuntary or forced contributions, assessments, charges, fees or surcharges imposed by any governmental agency or authority.

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For general information only. Please see product brochures and certificate wording for complete coverage and eligibility details.

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