Insurance

Accident Medical & Sickness Insurance
All program participants are covered under an accident and health insurance policy for the duration of the program through Markel Insurance Company.

Accident Medical Expense Benefit up to $5,000 and Sickness Benefit up to $2,500: Markel pays expenses for reasonable and customary treatment for accidents or sickness, excluding pre-existing conditions, that require medical treatment by a physician and/or hospital services.

Emergency Evacuation Benefit up to $10,000: Covers reasonable and customary charges for evacuation to the nearest adequate medical facility if required by the severity of the accident or emergency sickness. After treatment for 5 days or more, Markel pays for transportation to the home country, subject to the physician’s order, less refunds from the insured person’s unused airline tickets.

This description of benefits is an abbreviated summary only. (The policy also includes benefits for Accidental Death.) In the event of a claim, the provisions, limitations and exclusions in the original policy, on file with Language & Friendship, Inc., will apply.

In Case of Unforeseen World Events
Upon written request, L&F participants would receive a full refund less $400 to cover deposits and administrative costs if an official U.S. Department of State Travel Warning to the destination country is issued or in effect within 90 days of departure.

In Case of Medical Emergencies