The USAway International Major Medical insurance plan is especially ideal for short overseas trips of U.S. residents. The minimum deductible is $250 and the maximum deductible, $2,500. The plan maximum benefit is/benefit tops at $5 million.

The travel medical insurance plan offers a host of benefits apart from regular medical benefits. The plan, for example, includes nursing and home health care costs, and a common accident clause and accidental death benefit. The plan holder’s return home is covered in case of an emergency back in the United States, as are short trips home during the insured period of the plan. Hazardous sports, acts of war, and frequent travel can all be added to the plan at additional expense, as can waiver of limitations related to cardiac and cancer conditions.

The USAway international insurance plan covers hospital and physician expenses, ambulance expenses, the cost of prescription drugs, skilled nursing expenses, and emergency medical transportation back home, where necessary. Home health care is covered if its absence will cause hospitalization. Injuries due to terrorist attacks are also covered in the USAway insurance plan.

Cardiac and cancer-related conditions do not receive maximum benefit under the USAway medical insurance plan. They are limited to either $25,000 or the cost of stabilizing the medical condition of the plan holder and subsequently, returning to the United States. On payment of an additional premium, this exclusion can be waived.

Other benefits of the plan include accidental death benefit (double benefit in case of a common carrier death), and application of only one deductible and co-insurance in case of a single accident that injures several covered family members.

If a trip is cancelled due to the death of a family member in the home country or a calamity that destroys the home of the insured, the travel insurance online plan covers the return of the insured back home. The plan also extends the coverage to incidental trips to the home country. Lost baggage is also covered by the plan.

Additional options in the USAway medical insurance plan include hazardous sports and acts of war. A special feature that is geared toward business travelers-the frequent traveler option-does not require continuous international travel and instead, covers the plan holder for a predetermined number of days in 12 months.

The travel insurance online Plan is underwritten by Petersen International Underwriters. The plan is valid for up to 12 months, and is not renewable.

Dan Miller frequently writes about USAway medical insurance