PCU Blog
Are over-the-counter drugs covered?
No.
What types of losses are covered under the Personal Equipment option?
Losses sustained due to the permanent loss of your covered equipment by a Common Carrier or due to theft.
What equipment is included in the Personal Equipment option?
Covered Sports Equipment, Covered Photography Equipment and Covered Electronics and Communication Equipment.
What is the Maximum Limit for Trip Interruption expenses?
$5,000 if you purchased GoTime or AnyTime; $10,000 if you purchased PrimeTime.
If my laptop is stolen, is it covered?
Yes, if you have purchased the Personal Equipment option.
Under what circumstances are Lost Checked Luggage benefits available?
Your checked luggage must be permanently lost by the Common Carrier. You must submit a copy of the Common Carrier’s claim form and such other documentation as Underwriters may reasonably require. The Common Carrier must first reimburse you the full amount that it is legally required to pay for Lost Checked Luggage, and proof of […]
Does my coverage include any dental benefits?
Yes. Damage to sound natural teeth sustained in a covered Accident involving face, skull, neck and/or jaw Injury is covered if treated at a Hospital as an Emergency. Non-emergency dental treatment in a dental office following a covered accident is covered up to $300. Also, AnyTime and GoTime include $100 for palliative care in the […]
What is my Coinsurance under my TripTime plan?
Coinsurance is the percentage of Eligible Medical Expenses you must pay, in excess of your Deductible. If you incur Eligible Medical Expenses outside the US, you pay no Coinsurance. If you incur Eligible Medical Expenses in the US but not with a Preferred Medical Provider, PCU pays 50% of covered charges after you pay a […]
Under what circumstances are Political Evacuation and Repatriation benefits available?
1. The US Department of State, Bureau of Consular Affairs or similar government organization of your Home Country orders the evacuation of all non-essential government personnel from the area where you are located. 2. The order of evacuation must pertain to persons from the same Home Country as the Insured Person. 3. In no event […]
Are birth control pills covered?
No.
What Repatriation of Mortal Remains or Cremation/Burial expenses are covered?
1. Air or ground transportation of your bodily remains or ashes to the airport or ground transportation terminal nearest to your Principal Residence; and 2. Reasonable costs of preparation of your bodily remains necessary for transportation; or 3. Reasonable costs of preparation of your bodily remains necessary for local burial or cremation at the place […]
How is a Pre-existing Condition defined?
Pre-existing condition is defined as any of the following: (1) condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received during the 2 years immediately preceding your Certificate Effective Date; or, (2) condition that had manifested itself in such a manner […]
Under what circumstances are Hospital Indemnity benefits available?
1. The Hospitalization must occur outside your Home Country. 2. You must be admitted as an Inpatient for treatment of a covered Injury or Illness. 3. The daily benefit is calculated and based on each full 24-hour period of confinement as an Inpatient in a Hospital during your Certificate Period, not including time spent in […]
Is advance approval required for Return of Minor Child(ren) benefits?
Yes.
When does my TripTime coverage begin?
TripTime coverage begins on the latest of the following (provided always that premium is fully paid): 1. 12:01 am EST on the date indicated on your Certificate; or 2. the moment you depart from your Home Country.
What are the circumstances under which my TripTime Medical coverage remains in effect while I’m in my Home Country?
Eligible Medical Expenses are covered while you are in your Home Country for a covered Incidental Trip Home on the GoTime and PrimeTime plans. AnyTime does not cover Incidental Trip(s) Home.
Is advance approval required for Political Evacuation and Repatriation benefits?
Yes.
What is the Maximum Limit for Repatriation of Mortal Remains or Cremation/Burial expenses?
$50,000 for Repatriation of Mortal Remains under AnyTime or GoTime; $100,000 under PrimeTime. All three plans include $5,000 for local Cremation or Burial expenses in lieu of repatriation.
Is my pet covered under Emergency Pet Transportation?
Emergency Pet Transportation, included in the PrimeTime plan only, provides transportation for domestic dogs and cats only. No other types of animals are covered.
Under what circumstances are Natural Disaster Replacement Accommodation benefits available?
1. The cancellation of scheduled, paid accommodations results from evacuation due to a forecasted Natural Disaster or following a Natural Disaster. 2. The forecast of the Natural Disaster and the Natural Disaster itself must occur during the Certificate Period. 3. The evacuation must be ordered and mandated by the governmental authorities having jurisdiction over the […]
