If your programs started BEFORE April 15th 2019
As part of your program, you receive limited health insurance. It is important that you review the information to understand your insurance coverage and benefits.
AAG is NOT your insurance provider. While we can provide you general information about your insurance, it is in your best interest to ALWAYS call Travel Insurance Consultants (TIC) before and after seeking medical attention.
Policy Number: TACT011251
View Emergency Info document
Insurance Benefit Summary
Master Policy
Risks and Medical Conditions Covered:
- Unexpected and urgent medical treatment resulting from an accident or illness.
- Repatriation: In the event of death, repatriation of mortal remains, including transportation of the body from the site of death to the sending funeral home to the airport, minimally necessary casket or air tray for transport, coordination of consular services, procuring death certificate and transport of the remains from the airport to the receiving funeral home.
- Medical Evacuation: Transportation to a medical facility that can provide appropriate care in the event of serious injury or sickness that cannot be adequately dealt with at the location where the illness or accident took place.
- Bedside visitation for one family member in case of critical illness or accident.
- Skiing and snowboarding coverage for accidents that occurred on official and groomed trails.
Expenses Not Covered
- Pre-existing disease or condition and complications thereof.
- Routine or preventative exams or health screenings.
- Medical costs related to examination or treatment which are not administered by a licensed physician or in a licensed healthcare institution.
- Costs of rehabilitation, physical therapy, kinesiotherapy, all expenses for spas, hydrotherapeutic treatment or other such resorts and facilities.
- Costs for medical help administered by homeopathic doctors or natural doctors.
- Dental treatment- except emergency dental surgery in case of accident.
- Vision– eye exams, prescription glasses and/or contact lenses.
- Injuries sustained while skiing or snowboarding off official paths, or sustained due to alcohol/drug consumption.
- Costs relative to treatment of the mental health and mental disorders of the insured.
- Willful attempt at self- injury; suicide or attempted suicide.
- Injuries resulting from criminal activity or resulting while one is arrested or imprisoned.
- Injuries resulting from natural catastrophes.
- AIDS, no matter how it is acquired or called, or HIV infection.
- Self- treatment or disobedience of a doctor’s advice.
- Pregnancy (incl. tubal pregnancy), childbirth, abortion and any consequent complications or diseases.
- Involvement in hazardous activities including motor sports, flying, hang-gliding, sailing and underwater sports and hobbies, jumps from height, climbing requiring special equipment and speleology (spelunking).
- Consumption of alcohol, narcotics and other opiate or illegal substances. Injuries sustained due to alcohol or drug consumption or accidents where the insured was operating a motor vehicle under the influence of drugs or alcohol.
- For a full list of exclusions, please see Insurance Master Policy
Risks and Medical Conditions Not Covered
- Pre-existing disease or condition and complications thereof.
- Routine or preventative exams or health screenings.
- Medical costs related to examination or treatment which are not administered by a licensed physician or in a licensed healthcare institution.
- Costs of rehabilitation, physical therapy, kinesitherapy, all expenses for spas, hydrotherapeutic treatment or other such resorts and facilities.
- Costs for medical help administered by homeopathic doctors or natural doctors.
- Dental treatment– fillings, devitalization, prosthetic treatment and all alike, except emergency anesthesia and medically dental surgery in case of accident.
- Vision– eye exams, prescription glasses and/or contact lenses.
- Injuries sustained while skiing or snowboarding off official paths, or sustained due to alcohol/drug consumption
- Costs relative to treatment of the mental health and mental disorders of the insured.
- Willful attempt at self- injury; suicide or attempted suicide.
- Injuries resulting from criminal activity or resulting while one is arrested or imprisoned.
- Injuries resulting from natural catastrophes.
- AIDS, no matter how it is acquired or called, or HIV infection.
- Self- treatment or disobedience of a doctor’s advice.
- Pregnancy (incl. tubal pregnancy), childbirth, abortion and any consequent complications or diseases.
- Involvement in hazardous activities including motor sports, flying, hang-gliding, sailing and underwater sports and hobbies, jumps from height, climbing requiring special equipment and speleology (spelunking).
- Consumption of alcohol, narcotics and other opiate or illegal substances. Injuries sustained due to alcohol or drug consumption or accidents where the insured was operating a motor vehicle under the influence of drugs or alcohol.
- Tropical Diseases.
For a full list of exclusions, please see Insurance Master Policy
If you need to see a doctor, always call insurance company BEFORE and AFTER seeking medical attention.
Insurance agent will help identify nearest medical provider and will work with provided directly to start claimprocess
Insurance Company: Travel Insurance Consultants
Phone Number: 1-877-256-8298
Seeking Medical Attention
If you need to see a doctor, always call Travel Insurance Consultants BEFORE and AFTER seeking medical attention.
Why you should contact your insurance provider BEFORE receiving medical attention:
- To find out if the treatment you need is covered by your insurance.
- To find out if the clinic or doctor you want to visit is in-network.
- To find out if your doctor’s visit requires a pre-approval.
Please note if you fail to contact Travel Insurance Consultants before receiving medical attention (unless an emergency), you may be responsible for all medical bills.
Why you should contact your insurance provider AFTER receiving medical attention:
- You must call insurance within 10 days of receiving medical attention to begin the claim-filing process immediately.
- To find out exactly what you need to submit to be reimbursed for medical expenses.
- To open a “case” in the instance that your medical issue requires multiple doctor’s office visits.
All Claims must be received by Travel Insurance Consultants within 30 days.
Insurance Company: Travel Insurance Consultants
Phone Number: 1-877-256-8298
When you call Travel Insurance Consultants, please give them the following information:
- First and last name
- Your DS-2019 Number
- The nature of your illness or the reason you are seeking medical attention
Travel Insurance Consultants will provide you with information for a nearby doctor’s office that accepts the insurance.
Make sure to write down the following information:
- Address and a phone number of the doctor’s office
- Name of the person that you spoke with at Travel Insurance Consultants
When you go to see a doctor, be sure to bring:
- Your passport
- Your insurance information
- Money (checkbook, debit/credit card) to cover the co-pay
Request a copy of all forms you sign or that are given to you regarding your medical visit.
Deductible/Co-pay
- If you seek medical attention while on your program, you will have to pay $100 deductible (co-pay) if your visit does not result in hospitalization. Deductible/copay is a fee that is normal for all insurance companies. You will not get back the money you paid for the co-pay.
Co-pay for doctor’s office visit and clinics- $100
Emergency Room/Hospital visit- $100. If you are hospitalized, you will not have to pay a $100 deductible
Please make sure to go to the Hospital Emergency Room only in case of true life-threatening emergency.
Please keep in mind that insurance authorization is required for all treatments and procedures over $1,500. It is very important that you contact Travel Insurance Consultants immediately to make sure they are aware of you receiving medical attention. If you fail to receive this pre-authorization, you may be responsible for all medical costs.
After Receiving Medical Attention
Travel Insurance Consultants must process your medical claim
- Medical claims are summaries of medical services and expenses that are submitted to health insurance companies for payment, similar to receiving a bill at the end of a meal. If Travel Insurance Consultants is alerted to you receiving medical attention right away, they will work with medical provider directly, to process your claim.
- If you paid your medical bill at the time of your visit, you need to file a medical claim with Hollard Travel. By filing a claim form with Travel Insurance Consultants, you may be reimbursed for the expenses you had to pay yourself.
- If you receive a medical bill from the medical provider, you will need to forward your bill and a completed claim form to Travel Insurance Consultants
To file a claim, you must contact Travel Insurance Consultants at 1-877-256-8298 and notify them you are filing a claim; then submit your medical records, doctor’s notes, prescriptions, receipts (if applicable)
All claims must be submitted within 30 days of the date of the medical visit or they will NOT be reimbursed.
When Submitting a claim:
- Provide as much detail as possible.
- Include copies of all the forms and receipts associated with your medical treatment.
- Make sure that all information you provide is accurate, correct, and complete.
- Please note, being reimbursed for out-of-pocket expenses may take time and is not guaranteed.
Please contact Alliance Abroad if you have any questions about your insurance. You may contact your Outreach Coordinator or call our 24 Hour Support Line: 1-866-622-7623