Questions & answers · Travel insurance
What events does Everspan Insurance Company's filed travel insurance policy say it pays for?
AI-drafted from filed documents · reviewed: pendingwhether a specific event is coveredEverspan Insurance Company
Everspan Insurance Company's filed travel insurance policy states it pays for reimbursement of expenses to return a pet to the primary residence in the United States if the policyholder is unable to travel due to a covered sickness or injury, provided the pet accompanied the policyholder on the covered trip [1]. Expenses include the cost of an attendant, if necessary, but such expenses shall not exceed the cost of a ticket change fee to their return destination [1]. The policy also pays a benefit to reimburse the policyholder or a traveling companion for reasonable and customary charges, up to the Maximum Limit shown in the schedule of benefits, if an injury or sickness occurs during the covered trip and requires treatment by a physician [2]. The injury must occur or the sickness must first begin while on a covered trip, and the initial documented treatment must be given by a physician during the covered trip [2]. The deductible does not apply if the coverage is elected and any required cost is paid [2]. This does not appear in these excerpts — check the full policy.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Everspan Insurance Company · AK · SERFF BTLF-133618675 · p. 1
[PET RETURN We will pay a benefit to reimburse you, up to the Maximum Limit shown in the schedule of benefits [(after satisfaction of the deductible)] to return any of your pets who accompanied you on the covered trip to your primary residence in the United States if you are unable to travel due to a covered [sickness] [or] [injury]. Expenses include the cost of an attendant, if necessary. [Such expenses shall not exceed the cost of a ticket change fee to their return destination. … (excerpt — the filed text continues)
[2] Everspan Insurance Company · AK · SERFF BTLF-133618675 · p. 1
TRAVEL MEDICAL EXPENSE [Coverage is provided for this benefit if your policy is purchased with[in [two (2)/seven (7)/fifteen (15)/twenty-one (21)] days of] [initial trip payment] [or by] [final trip payment].] We will pay a benefit to reimburse you for the reasonable and customary charges, up to the Maximum Limit shown in the schedule of benefits [(and after satisfaction of the deductible)] if you[ or your traveling companion] suffer an injury or sickness during the covered trip that requires treatment by a physician. The injury must occur or the sickness must first begin while on a covered trip. The initial documented treatment must be given by a physician during the covered trip.[ The deductible does not apply if the coverage is elected and any required cost is paid. … (excerpt — the filed text continues)
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Q5a49734a. Spotted an error? Tell us.