Pays for the cost of treatment associated with a medical emergency incurred while traveling. "Primary Coverage" protects you when you do not have medical insurance at your destination.

"Secondary Coverage" means that our insurance will only cover medical expenses that your own Primary Coverage does not. This includes items such as co-payment and deductible. If you have no Primary Coverage, you will need to provide an affidavit to the insurance company at the time of loss. If you have Primary Coverage you will need to provide a disposition of your claim with your primary insurance and supplemental insurance carriers upon filing a claim.

"Schedule Benefits" plans limit payments to based on a schedule of prices and procedures determined by an insurance company.

Plan Highlights

• Up to $1 million protection; $100,000 per illness or injury
• Freedom to choose your own doctors and hospitals
• Semi-private room and board
• Office visits
• Emergency care
• Surgery
• In-hospital and outpatient services
• X-ray and laboratory services
• Home health care
• Ground or air ambulance service
• Medical equipment and supplies
• Intensive care
• Medical evacuation benefit

Plan Exclusions
It is important to understand that Student Select is not designed to pay for injuries and illnesses that existed prior to your policy effective date. Expenses for these pre-existing conditions incurred during the first 12 months of the policy are not covered in most states. Student Select also does not cover normal pregnancy or childbirth; sterilization, treatment for infertility, genetic testing or counseling; weight reduction or weight control programs and related surgery; medication to stimulate growth; dental treatment; routine physical exams and immunizations; removal of tonsils or adenoids; custodial care; mental illness or substance abuse; intercollegiate sports injuries; prescription drugs; free services; intentionally selfinflicted injury; cosmetic treatment or surgery; hearing aids, contact lenses, eyeglasses, eye exams; and charges incurred outside the United States, its possessions or Canada. Other exclusions as well as other covered services are listed in detail in the policy or certificate you will receive when you purchase Student Select.