Accident & Assistance Insurance > MultiNational Underwriters

MultiNational Accident Plan (MAP)

The first comprehensive Personal Accident and Assistance plan for international travelers, MAP features high limit Accidental Death and Dismemberment and high limit Permanent and Total Disability insurance - including coverage for losses resulting from most acts of War and Terrorism.  MultiNational Underwriters, Inc.'s full spectrum of Travel Assistance Services are also included.  This plan may be purchased alone or as a supplement to any other product offered by MultiNational Underwriters, Inc. or Travel Guard International.

Am I Eligible for The MAP Plan?

If you are traveling outside of your Home Country and are at least 18 years old but not yet 65, you are eligible for coverage. The minimum coverage period is 15 days and the maximum coverage period is either 3 or 12 months, depending on your destination.

Your Travel Assistance Services become available on the later of: the date we receive your Application and correct premium, or 10 days prior to your scheduled departure. The rest of your coverage becomes effective on the later of: Midnight of the date we receive your Application and correct premium, the moment you depart from your Home Country, or Midnight of the date you request on your Application. Your coverage will end on the earliest of: 12:01am of the last day of the period for which you have paid a premium, 12:01am< of the date requested on your Application, or the moment you return to your Home Country.  Coverage is not renewable however successive periods of insurance may be purchased, subject to availability on the date of purchase.

Does the MAP Plan provide any Home Country Coverage?

Only losses resulting from Accidents which occur outside your Home Country are covered.

How is "Home Country" Defined?

If you are a citizen, your Home Country is the United States, regardless of the location of your Principal Residence. If you are not a citizen, your Home Country is where your Principal Residence is located.  Your Principal Residence is your true, fixed and permanent home where you receive regular mail.

Are Acts of War and Terrorism Covered?

Under most circumstances, yes.  Acts of War and Terrorism involving the use or release (including the threat thereof) of any nuclear weapon or device or chemical or biological agent are not covered.