Your travel insurance coverage is valid WORLDWIDE, except in your home country or your country of residence. If you are traveling in the USA and you decide to visit Canada also, you continue to be covered through AVI.
Your home country is the country where you are used to living. That is the country where you will be evacuated in case of serious medical illness/accident. In most cases, this is the country where your parents live. The country of residence is the country where you live temporarily. Let's take the following example : you study in France but you have the Belgian citizenship and your family lives in Belgium. Therefore France will be considered as your country of residence while Belgium is your home country. In case of a serious medical illness/accident, you will be evacuated to Belgium.
In case of an emergency, you have to call our Alarm Center at the toll-free emergency phone number you were given. One is valid for the USA and Canada, another one is valid for all countries other than the USA and Canada. Please refer to your ID insurance card and Security Pass'port.
In case of medical evacuation In case of hospitalization, the Alarm Center can contact the hospital and directly confirm the guarantee of payment so that you do not have to pay upfront for the medical services rendered, In case of family visit : if you are hospitalized more than 3 days, one family member is authorized to fly to your sickbed ; if the hospitalization is likely to last more than 7 days, we will authorize 2 family members to fly to your sickbed. In case of emergency return home : if one of your family members (father, mother, sister or brother) is in a life-threatening situation, we will arrange and pay for the air ticket to fly you back home, if your original return ticket cannot be used.
In the USA / Canada, call the -800 toll-free number. You will not pay for the phone call. For all the other countries, please call collect. The alarm center will accept the charges of your call. However in some countries, collect calls are not accepted. In such a case, after you place your call, please ask for an itemized invoice with the phone number you called as well as the price of the phone connection. We will reimburse you accordingly.
Usually it takes three or four weeks for claims to be processed. However, claims can be processed and paid much earlier, depending on how soon the file - with all the necessary paperwork - is received by the claims office.
Any kind of accident is covered except accidents related to competitions or high-risk sports(such as bungie-cord jumping, parachuting, etc.) or accidents which are consecutive to voluntary acts : alcohol intoxication, use of narcotics, riots or assaults...
Car accidents are covered ONLY in the following cases:
as a passenger
while driving an automobile in a professional or school supervised driver's training program
as an Au-Pair or a long-term trainee working at hospitality facilities, who is likely to drive in the scope his/her duties.
Nevertheless please note that car accidents are covered only in excess of any other auto insurance coverage available to pay for medical care. This means that AVI International acts as secondary insurance carrier to:
the car insurance of the driver responsible for the accident in which you were a passenger,
your car insurance if you have rented a car as an Au-Pair or trainee,
the car insurance of the driver responsible for the accident in which you were involved as an Au-Pair/Trainee-driver.
Please be advised that your liability as a driver (personal injury and damages to a third party) is not covered as per the terms of our policy. We strongly advise you to check with your car rental company for this extra coverage (PLI Personal Liability Insurance).
Sure, this benefit is listed among the basic travel medical benefits. In case of an emergency, we can forward urgent messages as well. IMPORTANT NOTE : The purchase of medications and shipping costs remain nevertheless at your own expense.
All the medical evacuation related expenses are covered by AVI International. All charges pertaining to a medical evacuation or the repatriation of remains (including transportation casket) are covered UNLIMITED.
Any hospitalization must be reported to the alarm center. In so doing, the alarm center can contact the hospital in order to know the duration of your hospitalization. As soon as we know that you are likely to stay more than 3 days at the hospital, we make the flight arrangement for one of your family members. If the hospitalization is likely is be more than 7 days, we organize the flight for 2 family members to fly to your sickbed.
The first assistance services consist in taking care of your medical treatment in the host country. When medically possible, we will organize the medical evacuation to your home country and grant you with a disability compensation according to the percentage of disability rated by a Medical Expert, once your condition is stable and consolidated. In our wish to be fair as much as possible, we have chosen to apply the French schedule of work accidents, which is currently the most profitable to the insured.
If you unfortunately break something in a department store, your third party liability is engaged. Thanks to the third party liability insurance, AVI International will pay on your behalf the damage you caused. If you flood the bathroom because you have forgotten to draw the shower curtain correctly, your third party liability is also engaged. In that case also, we will pay the damage you caused on your behalf as a secondary insurance carrier after the home owner insurance policy, if any. While roller-skating, if you knock over a pedestrian, we will pay all the medical expenses of the victim.
Your luggage is covered while traveling to and from your program and during your stay abroad according to the dates of coverage you declared to AVI. The AVI International luggage insurance applies to property taken along from home as well as bought by traveling. It extends to luggage checked and taken in charge by the transportation carrier in relationship with the insured's passenger ticket. In case of loss by the transportation company, you must immediately submit your claim to the transportation company, because the primary coverage is provided by this company. AVI International acts as a secondary insurance carrier. If the transportation company denies your claim based on the fact that you did not file a claim or that the claim was not filed in time, we will also deny your claim since we are secondary to the transportation company. In all other cases of luggage loss, you must immediately report the loss to the police and provide us with a copy.