How Does the Europe Travel Plus Plan Work?

Europe Travel Plus is a percentage-based comprehensive plan. The plan covers for any unexpected sickness or injury that starts after the policy becomes effective.

Which Doctor to Go To

You can go to any doctor or hospital of your choice. The plan does not have any PPO networks in Europe. For incidental trips to the U.S., the plan is part of the First Health PPO network. To search for nearby providers in your area visit Europe Travel Plus Insurance Providers.

How does the Deductible Work

The deductible is the first amount of the covered bill that is the insured persons' responsibility, before the insurance starts paying. The deductible for the Europe Travel Plus plan is paid one time in the policy period. If the policy expires and you need to buy a new policy, then the deductible would reset again. The Europe Travel Plus plan is available for a maximum of 180 days.

For Coverage in Europe:

Within Europe, after the deductible is met, the plan pays 100% up to the policy maximum.

All expenses beyond the policy maximum are the responsibility of the insured.

Example
$15,000 Hospital Bill
$500 Deductible
$100,000 Policy Maximum

You Pay $500 Deductible

Insurance Pays $14,500 Up to Policy Maximum

Incidental Trip Coverage within USA

For incidental trips within the U.S., the Europe Travel Plus plan coverage varies slightly if you visit a provider within or outside the First Health PPO Network.

Within the PPO Network: After the deductible is met by the insured person, the plan pays 90% for the first $5,000 and then 100% after that, up to the policy maximum.

Example
$15,000 Hospital Bill
$500 Deductible
$100,000 Policy Maximum

You Pay $500 Deductible

You Pay $500
10% of first $5,000 after deductible

Insurance Pays $14,000 Up to Policy Maximum

Outside the PPO network: After the deductible, the plan pays 80% for the first $5,000 and then 100% up to the policy maximum. Any amount above the policy maximum is the insured persons responsibility.

Example
$15,000 Hospital Bill
$500 Deductible
$100,000 Policy Maximum

You Pay $500 Deductible

You Pay $1,000
20% of first $5,000 after deductible

Insurance Pays $13,500 Up to Policy Maximum

Read the Europe Travel Plus Insurance brochure for complete details.