the United States
Make employment in the United States easy. Let us handle payroll, benefits, taxes, compliance, and even stock options for your team in the United States, all in one easy-to-use platform.
- Capital City
Washington, D.C.
- Currency
United States Dollar ($, USD)
- Languages
English
- Population size
328,239,523
Remote builds belonging for your global team with comprehensive local plans at competitive rates. 🙌
Remote Benefits Plans
At Remote, we offer country-specific benefits for everyone on your team. Employees will enjoy comprehensive coverage from top providers while you access competitive rates meant for larger groups - even if you’re still growing!
In the United States, the majority of employers offer supplemental health insurance to their workforce. Private health insurance is a crucial benefit that allows employees to access routine care and cover medical expenses in emergencies without incurring significant debt. The United States is unique in its benefits landscape and can be one of the most expensive countries to employ in due to the high costs of benefits, particularly healthcare.
You will be able to select a benefits plan when onboarding your team member. From there, the employee will be enrolled and contacted with more information about their plan. Remote takes care of all the administration work so you can focus on scaling your global team!
To ensure benefit equality, any benefits offered will apply to all employees in the country, providing consistent coverage and support across the team.
Health Benefits
At Remote, we offer seven distinct benefit tiers for health insurance to ensure compliance with the mandatory requirement to provide health insurance to employees in the United States. Our plans are designed to cater to a variety of needs, giving you the freedom to select the coverage that best fits the needs of your team and their dependents.
Understanding Our Benefit Tiers
The benefit tier you select determines the percentage of healthcare premiums you will cover. These tiers range from covering a portion of the premiums to fully covering the costs for both employees and their dependents. Below is an overview of the different benefit tiers available, detailing the coverage percentages for both employee-only and employee + dependents enrollments. Please note: the deductibles listed represent the starting point or 'base plan' within each tier. This base plan is the default option provided and serves as the foundation for calculating both your contributions and the employee's contributions. Employees have the flexibility to choose plans with different deductibles and may also 'buy up' to a plan with a lower deductible or more comprehensive coverage, tailoring the plan to better meet their personal needs and preferences.
Tier | Base Plan Deductible | Employee Coverage | Employee + Dependents Coverage |
Basic | $1200 | Medical: 50%, Dental & Vision: 50% | Medical: 0%, Dental & Vision: 0% |
Core | $1200 | Medical: 70%, Dental & Vision: 60% | Medical: 50%, Dental & Vision: 40% |
Prime | $1200 | Medical: 100%, Dental & Vision: 100% | Medical: 0%, Dental & Vision: 0% |
Standard | $1200 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
Enhanced | $1200 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
Plus | $250 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
Premium | $250 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
This flexibility allows you to align the benefits with employee needs across a range of budgets, ensuring a tailored approach to employee health coverage.
Your contribution towards health insurance premiums is determined by the base plan’s monthly premium of the tier you select. This sets a benchmark for both your contributions and those of your team members, ensuring transparency and predictability in costs. If an employee chooses a plan less expensive than the base plan, your contribution costs may decrease, providing an opportunity for cost savings.
For example, if you select the Standard Tier with a 95% employer contribution towards employee-only premiums and 70% for employee + dependent premiums:
For an employee-only enrollment with a monthly cost of $500, your contribution would be $475 (95% of $500), with the employee covering the remaining $25.
If the employee adds a spouse, increasing the total premium to $800 per month, your contribution would adjust to $560 (70% of $800), with the employee responsible for the remaining $240.
If an employee opts for a Buy-Up plan costing $700 per month for employee-only enrollment, your contribution remains based on the base plan (95% of $500 = $475). The employee then pays the difference between the Buy-Up and the base plan, totaling $225 for their plan.
Available Health Insurance Plans
Remote offers four health insurance plans that employees can access using the amounts you contribute from the tiers: HDHP 3000, PPO 1200, PPO 250, and PPO 0. These plans vary in terms of deductibles, out-of-pocket costs, and coverage levels, providing a range of options to suit different needs and preferences. Below is a table that details the specific coverage options for each plan.
In-Network
Deductible: $0 Individual, $0 Family
Out-of-Pocket Max: $2,000 Individual, $4,000 Family
Doctor’s Visit: $10 Primary, $20 Specialist
Emergency Care: $150
Urgent Care: $20
Hospitalisation: $0 Inpatient, $250 Outpatient
Rx Drugs: $10 Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: Infertility, Weight Loss RXs, Gender Affirmation
Out-of-Network
Deductible: $0 Individual, $0 Family
Out-of-Pocket Max: $4,000 Individual, $8,000 Family
Emergency Care: 30%
In-Network
Deductible: $250 Individual, $750 Family
Out-of-Pocket Max: $3,000 Individual, $6,000 Family
Doctor’s Visit: $20 Primary, $40 Specialist
Emergency Care: $150
Urgent Care: $45
Hospitalisation: 10% Inpatient, $250 + 10% Outpatient
Rx Drugs: $10 Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: Infertility, Weight Loss RXs, Gender Affirmation
Out-of-Network
Deductible: $500 Individual, $1,500 Family
Out-of-Pocket Max: $6,000 Individual, $12,000 Family
Emergency Care: 30%
In-Network
Deductible: $1,200 Individual, $2,400 Family
Out-of-Pocket Max: $5,000 Individual, $7,500 Family
Doctor’s Visit: $30 Primary, $50 Specialist
Emergency Care: $350
Urgent Care: $45
Hospitalisation: 20% Inpatient, $250 + 20% Outpatient
Rx Drugs: $10 Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: None
Out-of-Network
Deductible: $2,400 Individual, $4,800 Family
Out-of-Pocket Max: $10,000 Individual, $15,000 Family
Emergency Care: 40%
In-Network
Deductible: $3,000 Individual, $6,000 Family, $3,200 Individual
Out-of-Pocket Max: $7,000 Individual, $14,000 Family
Doctor’s Visit: 20%
Emergency Care: 20%
Urgent Care: 20%
Hospitalisation: 20% Inpatient and Outpatient
Rx Drugs: 10% Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: None
Out-of-Network
Deductible: $6,000 Individual, $12,000 Family, $6,400 Individual
Out-of-Pocket Max: $14,000 Individual, $28,000 Family
Emergency Care: 40%
Health Benefits
At Remote, we offer seven distinct benefit tiers for health insurance to ensure compliance with the mandatory requirement to provide health insurance to employees in the United States. Our plans are designed to cater to a variety of needs, giving you the freedom to select the coverage that best fits the needs of your team and their dependents.
Understanding Our Benefit Tiers
The benefit tier you select determines the percentage of healthcare premiums you will cover. These tiers range from covering a portion of the premiums to fully covering the costs for both employees and their dependents. Below is an overview of the different benefit tiers available, detailing the coverage percentages for both employee-only and employee + dependents enrollments. Please note: the deductibles listed represent the starting point or 'base plan' within each tier. This base plan is the default option provided and serves as the foundation for calculating both your contributions and the employee's contributions. Employees have the flexibility to choose plans with different deductibles and may also 'buy up' to a plan with a lower deductible or more comprehensive coverage, tailoring the plan to better meet their personal needs and preferences.
Tier | Base Plan Deductible | Employee Coverage | Employee + Dependents Coverage |
Basic | $1200 | Medical: 50%, Dental & Vision: 50% | Medical: 0%, Dental & Vision: 0% |
Core | $1200 | Medical: 70%, Dental & Vision: 60% | Medical: 50%, Dental & Vision: 40% |
Prime | $1200 | Medical: 100%, Dental & Vision: 100% | Medical: 0%, Dental & Vision: 0% |
Standard | $1200 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
Enhanced | $1200 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
Plus | $250 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
Premium | $250 | Medical: 95%, Dental & Vision: 85% | Medical: 70%, Dental & Vision: 60% |
This flexibility allows you to align the benefits with employee needs across a range of budgets, ensuring a tailored approach to employee health coverage.
Your contribution towards health insurance premiums is determined by the base plan’s monthly premium of the tier you select. This sets a benchmark for both your contributions and those of your team members, ensuring transparency and predictability in costs. If an employee chooses a plan less expensive than the base plan, your contribution costs may decrease, providing an opportunity for cost savings.
For example, if you select the Standard Tier with a 95% employer contribution towards employee-only premiums and 70% for employee + dependent premiums:
For an employee-only enrollment with a monthly cost of $500, your contribution would be $475 (95% of $500), with the employee covering the remaining $25.
If the employee adds a spouse, increasing the total premium to $800 per month, your contribution would adjust to $560 (70% of $800), with the employee responsible for the remaining $240.
If an employee opts for a Buy-Up plan costing $700 per month for employee-only enrollment, your contribution remains based on the base plan (95% of $500 = $475). The employee then pays the difference between the Buy-Up and the base plan, totaling $225 for their plan.
Available Health Insurance Plans
Remote offers four health insurance plans that employees can access using the amounts you contribute from the tiers: HDHP 3000, PPO 1200, PPO 250, and PPO 0. These plans vary in terms of deductibles, out-of-pocket costs, and coverage levels, providing a range of options to suit different needs and preferences. Below is a table that details the specific coverage options for each plan.
In-Network
Deductible: $0 Individual, $0 Family
Out-of-Pocket Max: $2,000 Individual, $4,000 Family
Doctor’s Visit: $10 Primary, $20 Specialist
Emergency Care: $150
Urgent Care: $20
Hospitalisation: $0 Inpatient, $250 Outpatient
Rx Drugs: $10 Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: Infertility, Weight Loss RXs, Gender Affirmation
Out-of-Network
Deductible: $0 Individual, $0 Family
Out-of-Pocket Max: $4,000 Individual, $8,000 Family
Emergency Care: 30%
In-Network
Deductible: $250 Individual, $750 Family
Out-of-Pocket Max: $3,000 Individual, $6,000 Family
Doctor’s Visit: $20 Primary, $40 Specialist
Emergency Care: $150
Urgent Care: $45
Hospitalisation: 10% Inpatient, $250 + 10% Outpatient
Rx Drugs: $10 Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: Infertility, Weight Loss RXs, Gender Affirmation
Out-of-Network
Deductible: $500 Individual, $1,500 Family
Out-of-Pocket Max: $6,000 Individual, $12,000 Family
Emergency Care: 30%
In-Network
Deductible: $1,200 Individual, $2,400 Family
Out-of-Pocket Max: $5,000 Individual, $7,500 Family
Doctor’s Visit: $30 Primary, $50 Specialist
Emergency Care: $350
Urgent Care: $45
Hospitalisation: 20% Inpatient, $250 + 20% Outpatient
Rx Drugs: $10 Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: None
Out-of-Network
Deductible: $2,400 Individual, $4,800 Family
Out-of-Pocket Max: $10,000 Individual, $15,000 Family
Emergency Care: 40%
In-Network
Deductible: $3,000 Individual, $6,000 Family, $3,200 Individual
Out-of-Pocket Max: $7,000 Individual, $14,000 Family
Doctor’s Visit: 20%
Emergency Care: 20%
Urgent Care: 20%
Hospitalisation: 20% Inpatient and Outpatient
Rx Drugs: 10% Generic, $50 Preferred, $115 Non-Preferred, $250 Specialty
Enhancements: None
Out-of-Network
Deductible: $6,000 Individual, $12,000 Family, $6,400 Individual
Out-of-Pocket Max: $14,000 Individual, $28,000 Family
Emergency Care: 40%
Dental
Remote offers flexible dental benefit options for employees in the United States, providing comprehensive coverage for a range of dental services. Employees are automatically offered the Basic Dental plan, which is paid for by the company. This plan covers essential dental services, ensuring that employees receive necessary preventive and basic care.
For those seeking more extensive coverage, employees have the option to upgrade to the Premium Dental plan and pay the difference in cost. This allows access to a higher level of dental care, including enhanced coverage for preventive, basic, and major services, as well as increased annual maximums.
Both plans offer in-network and out-of-network coverage options, ensuring that employees have access to quality dental care.
In-Network
Annual Deductible:
Individual: $50
Family: $150
Waived for Preventive: Yes
Annual Maximum: $1,500
Preventive Services (Cleanings, X-Rays, Exams, etc.): 0% co-insurance
Basic Services (Fillings, Root Canals, etc.): 20% co-insurance
Major Services (Crowns, Dentures, etc.): 50% co-insurance
Orthodontia (Child Only): 50% co-insurance
Ortho Lifetime Maximum: $1,500
Out-of-Network Reimbursement: Not applicable
Out-of-Network
Annual Deductible:
Individual: $50
Family: $150
Waived for Preventive: Yes
Annual Maximum: $1,500
Preventive Services (Cleanings, X-Rays, Exams, etc.): 0% co-insurance
Basic Services (Fillings, Root Canals, etc.): 20% co-insurance
Major Services (Crowns, Dentures, etc.): 50% co-insurance
Orthodontia (Child Only): 50% co-insurance
Ortho Lifetime Maximum: $1,500
Out-of-Network Reimbursement: 90th% UCR (Usual, Customary, and Reasonable rates)
In-Network
Annual Deductible:
Individual: $50
Family: $150
Waived for Preventive: Yes
Annual Maximum: $2,500
Preventive Services (Cleanings, X-Rays, Exams, etc.): Covered at 100%, no co-insurance
Basic Services (Fillings, Root Canals, etc.): 10% co-insurance
Major Services (Crowns, Dentures, etc.): 40% co-insurance
Orthodontia (Child Only): 50% co-insurance
Ortho Lifetime Maximum: $1,500
Out-of-Network Reimbursement: Not applicable
Out-of-Network
Annual Deductible:
Individual: $50
Family: $150
Waived for Preventive: Yes
Annual Maximum: $2,500
Preventive Services (Cleanings, X-Rays, Exams, etc.): Covered at 100%, no co-insurance
Basic Services (Fillings, Root Canals, etc.): 10% co-insurance
Major Services (Crowns, Dentures, etc.): 40% co-insurance
Orthodontia (Child Only): 50% co-insurance
Ortho Lifetime Maximum: $1,500
Out-of-Network Reimbursement: 90th% UCR (Usual, Customary, and Reasonable rates)
Vision
Remote offers flexible vision benefit options for employees in the United States, providing essential vision coverage through the Basic Vision plan, which is fully paid for by the company. This plan covers routine eye exams, lenses, frames, and contact lenses, ensuring employees receive necessary eye care.
For those seeking more comprehensive coverage, employees have the option to upgrade to the Premium Vision plan and pay the difference in cost. This plan offers enhanced coverage with more frequent allowances for exams, lenses, and frames, as well as higher allowances for frames and contact lenses.
Both plans offer in-network and out-of-network coverage options, ensuring that employees have access to quality vision care.
In-Network
Frequency:
Exam: 12 Months
Lenses: 12 Months
Frames: 24 Months
Examination: $10 Copay
Lenses: $25 Copay (Single, Bifocal, Trifocal)
Frames: $150 allowance + 20% discount
Contact Lenses: $150 allowance
Out-of-Network
Frequency:
Exam: 12 Months
Lenses: 12 Months
Frames: 24 Months
Examination: Up to $39
Lenses: Up to $23 (Single), $37 (Bifocal), $49 (Trifocal)
Frames: Up to $46
Contact Lenses: Up to $100
In-Network
Frequency:
Exam: 12 Months
Lenses: 12 Months
Frames: 12 Months
Examination: $0 Copay
Lenses: $0 Copay (Single, Bifocal, Trifocal)
Frames: $200 allowance + 20% discount
Contact Lenses: $200 allowance
Out-of-Network
Frequency:
Exam: 12 Months
Lenses: 12 Months
Frames: 12 Months
Examination: Up to $39
Lenses: Up to $23 (Single), $37 (Bifocal), $49 (Trifocal)
Frames: Up to $46
Contact Lenses: Up to $100
Accident & Disability
Short-Term Disability (STD)
Coverage:
Provides benefits after 7 consecutive days of absence from work.
Replaces 60% of your weekly earnings, up to $2,400 per week.
Benefits last for up to 12 weeks.
Long-Term Disability (LTD)
Coverage:
Begins after a 90-day waiting period, which matches the end of the STD benefit period.
Replaces 60% of your monthly pay, up to $11,000 per month.
Benefits continue until maximum Social Security Normal Retirement Age or until recovery.
Life Insurance
Life Insurance
Coverage Amounts:
Current (up to age 64): $50,000
Age 65: Reduced by 35% ($32,500)
Age 70: Reduced by 50% ($25,000)
Provides a lump-sum payment to your designated beneficiary upon your passing.
Covers all causes of death, including natural causes, illnesses, and accidents.
Accidental Death and Dismemberment (AD&D) Insurance
Coverage Amounts:
Same as Life Insurance coverage amounts.
Provides additional financial protection specifically for accidents.
Offers a benefit for accidental death or certain injuries resulting in dismemberment.
Voluntary Coverages
Voluntary Life and AD&D Insurance
Employee Coverage
Increments: $10,000
Maximum: Up to $1,000,000
Guarantee Issue: $200,000 (for new hires or first-time eligible employees)
Benefit Reduction: 35% at age 65, 50% at age 70
Spouse Coverage
Increments: $5,000 (employee must be enrolled in Voluntary Employee Life)
Maximum: Up to $100,000
Guarantee Issue: $30,000 (initial offer only)
Child Benefits
$10,000 (flat option, employee must be enrolled in Voluntary Employee Life)
Critical Illness Insurance
Coverage Basics
Lump-sum payment upon diagnosis of a specified critical illness.
Helps with expenses not covered by health insurance.
Flexible use of funds for medical costs or other expenses.
Coverage Amounts
Employees can elect amounts in increments of $5,000 to $30,000 (spouse up to 50% of employee amount).
Hospital Insurance
Coverage Basics
Provides financial benefits for covered hospital stays.
Complements major medical insurance by covering additional out-of-pocket costs.
Cash benefits provided directly unless otherwise assigned.
Coverage Amounts
Hospital/ICU Admission: $1,500 per admission (up to 2 admissions per insured)
Hospital Confinement: $100/$200 per day (max of 15 days per insured per year)
Accident Insurance
Coverage Basics
Covers treatment fees for accidents not fully covered by medical insurance.
Cash benefits provided directly unless otherwise assigned.
Can be used for various services such as ambulance rates, diagnostics, intensive care, therapy, and rehabilitation costs.
Tax Savings Benefit
Remote offers Tax Savings Benefits to help employees manage eligible healthcare and dependent care expenses while reducing their taxable income. These benefits include Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA), providing options for pre-tax contributions to cover a wide range of medical, dental, vision, and dependent care expenses. These accounts offer significant tax advantages and flexibility, helping employees save money and plan for healthcare needs efficiently.
Healthcare Flexible Spending Account:
Eligible healthcare expenses
Ambulance
Chiropractors
Coinsurance & copayments
Crutches
Dental Expenses
Dermatologists
Diagnostic Expenses
Hospital bills
Deductible amounts
Lab fees
Dependent Care Flexible Spending Account:
Eligible expenses
Work day childcare services
Cost of care at a licensed daycare
Before or after school care
Annual maximums?
Health FSAs - For plan years beginning in 2024, the dollar limit for contributions to health flexible spending arrangements increases to $3,200.
Dependent Care - $5,000 for individuals or married couples filing jointly and $2,500 for married individuals filing separately
Health Savings Account:
Eligible expenses
Health insurance deductibles, co-insurance, prescriptions, as well as dental and vision care, are considered IRS-qualified expenses.
2024 Contribution Limits
Individual: $4150
Family: $8300
Age 55+ Catch Up: $1,000
401k
A 401(K) is a retirement savings plan that helps employees save and invest a portion of their earnings before taxes, providing a valuable benefit for long-term financial security. Remote offers 401(K) retirement plans to all employees in the United States. Each employee is automatically enrolled in the plan and can choose the percentage of their salary to contribute.
We offer a 401k Retirement Plan that includes a Company match program. The scheme includes a 100% match of the first 3% of employee contributions, and a 50% match of the next 2% of contributions. Matching contributions are mandatory and billed to the client in accordance with the employee’s selection. If the employee opt-out of the plan or set a voluntary contribution to 0%, no employer matching is contributed.
Business Travel Insurance
New Benefit Available November 1, 2024:
Remote’s Global Business Travel Insurance program is crafted to address the unique needs of your team, whether they are embarking on short business trips or travelling extensively throughout the year. With five comprehensive plan options—Basic, Standard, Premium, Premium Plus, and Standard Plus—this program ensures that your team members have the right level of coverage to protect their health, safety, and well-being while travelling for business. Available in over 90 countries, the program provides extensive global coverage at competitive rates, offering peace of mind no matter where their work takes them.
This optional benefit is designed to be flexible, allowing you to offer tailored coverage that meets the diverse needs of your workforce. By providing business travel insurance, you are taking proactive steps to safeguard your team from unforeseen events such as medical emergencies, trip disruptions, or loss of business equipment while they are on the road.
It is essential to be aware that in certain countries, Business Travel Insurance may be categorised as 'Benefits in Kind' (BIK). This categorization means that the monthly premiums, which the company pays for the benefit, might be counted as part of the employee's taxable income according to the local tax laws.
Coverages (values in USD):
Emergency & Accidental Medical: $1,000,000
Repatriation for Medical Treatment: 100% per trip
Emergency Medical Evacuation: $100,000
Repatriation of Mortal Remains: $25,000 per trip
Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Excludes Medical & Evacuation
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Emergency & Accidental Medical: $1,000,000
Repatriation for Medical Treatment: 100% per trip
Emergency Medical Evacuation: $100,000
Repatriation of Mortal Remains: $25,000 per trip
Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Excludes Medical & Evacuation
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
Coverages (values in USD):
Emergency & Accidental Medical: $1,000,000
Repatriation for Medical Treatment: 100% per trip
Emergency Medical Evacuation: $100,000
Repatriation of Mortal Remains: $25,000 per trip
Pre-existing Medical Conditions: For stable pre-existing medical conditions up to $50,000
Baggage Delay: $100 per day up to $700 per trip *Does not apply to one-way trips
Personal Liability: $100,000 per trip
Accidental Death & Permanent Total Disability: $100,000 per trip
Loss of Passport: $250 per trip
Legal Expenses: $10,000 per trip
Hijacking: $1,000 per trip
Cancellation & Curtailment: $2,000 per trip; subject to $100 deductible per Trip *Benefit not available to residents of the USA
Business Equipment: Up to $1,500
Computer Equipment (single item limit): $500
Business Money: $100 per day up to $500
Domestic Business Travel: Trips inside country of residence: Any trip over 70 miles from usual residence, where there’s at least 1 overnight stay in paid accommodation. In-country trips exclude medical treatment & evacuation benefits.
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