As a Language & Friendship participant, you are automatically enrolled in 2 insurance plans:
1) Core™ Travel Medical Insurance
Underwritten by Zurich Travel Assist, the automatic “core” coverage while you travel with L&F includes the following maximum benefits:
|Emergency Medical Evacuation||$1,000,000|
|Continuation of Coverage*||$10,000|
|Emergency Dental||$1,000 injury, $250 pain|
|Permanent Total Disability||$10,000|
|Return of Remains||100% of covered expenses|
|Return Air Only Benefit*||$1,500|
|Reunion Travel Expense*||$1,500|
The plan also includes Medical Assistance and Security Assistance, provided by Zurich Travel Assist.
The Cancellation Benefit applies for an injury or medical condition requiring treatment that prevents travel, or for death of the traveler or a family member. It takes effect once program cost is paid in full.
*Covid-19 is not covered.
You will have the option to purchase upgrades for your insurance beyond the “core” benefit package to suit your preferences.
- Upgrade to a plan with higher benefit limits. (Covid-19 included for Medical and Emergency Medevac)
- Purchase additional trip cancellation coverage (for cancellation due to injury, medical condition, or death of traveler or family member; Covid-19 not included.)
- Add baggage and personal effects coverage.
- Add extensions of coverage. (Extensions allow you to be covered for travel you might want to do immediately after your L&F program.)
Payment for Medical Services:
Travelers are required to pay costs at the time of service (except in certain emergency situations*) and must keep original bills (indicating service provided) and receipts (showing payment). * In emergency situations requiring hospitalization or when major medical expenses are incurred, call the number on the back of your Core Insurance Card for immediate assistance. You will be required to give the policy number and ID found on the front of your card.
2) STARR Trip Insurance (includes COVID-19)
|For injury, sickness, death of you or a family member; being quarantined; theft of passport/visa; terrorist attack in city on itinerary|
|For a Common Carrier delay of 12 or more hours caused by inclement weather or equipment failure, or delay due to unannounced strike or natural disaster. Covers unused non-refundable expenses prepaid for trip; up to $150 per day for meals, lodging; additional cost to join your trip|
|If your program is interrupted while you are on it by being quarantined, by theft of passport/visa; by strike of Common Carrier service for 48 hours; up to $150 per day|
The maximum benefit provided under this policy is $2,000 for all losses combined from any one covered event.
FAQs with more details are available to participants via their online L&F account upon enrollment.