It is important to be aware of any limitations in your group insurance plan. It is recommended that you read your contract carefully as there may be restrictions and limitations that you are unaware of.

Emergency Medical Care costs

• It is common for group plans to cover only a small portion of emergency medical care
• Some services may have deductibles, and you are often required to pay in advance and receive reimbursement only upon return

Trip cancellation and baggage

• Group plans do not usually include trip cancellation and baggage coverage. When coverage is included, the amounts are rarely sufficient to protect your trip investment