Period of Coverage
The minimum period of coverage that can be purchased under this plan is 3 months and the maximum period of coverage is 12 months. Coverage is based on a per month rate. Additional coverage may be available for up to 12 months at a time, to a maximum of 36 consecutive months.
Coverage will begin on the latest of the following:
a) Your departure from your Home Country; or
b) The date your completed enrollment form and correct premium are received by Global Underwriters; or
c) The effective date requested on the enrollment form.
Coverage will end on the earlier of the following:
a) Your permanent return to your Home Country; or
b) Twelve months after your coverage’s effective date; or
c) The termination date shown on the enrollment form, for which premium has been paid.
Refund of premium, less a $25 processing fee, will be considered only if written request is received by Global Underwriters prior to the effective date of coverage. After that date, the premium is considered fully earned and non-refundable. Partial refunds are not available.