Zane Vacation and Travel Protection Plan
- Do you travel for business or pleasure?
- Most Health Insurance pays far less with more out-of-pocket expenses when you leave your local area—using out-of-network providers
- Get Accident Medical Coverage to pay your higher medical bills away from home when you have an accident
Accident Medical Coverage can pay all of your higher (out-of-network) deductible and coinsurance even when you seek treatment outside of your network.
Vacation is one of the most likely times to have an accident—while playing sports, during travel, or from accidentally eating the wrong food.
Most health insurance policies double your deductible and coinsurance when you seek care outside of your network. A typical policy with a $1,000 deductible and 20% coinsurance of the next $10,000 could leave you with $3,000 of medical bills from an accident that happens at home (in-network). An accident happening away from home (out-of-network) under the same policy could cost you up to $6,000.
| Home (in-network) |
Traveling (out-of-network) | |
| Annual Deductible | $1,000 | $2,000 |
| Coinsurance | + $2,000 | + $4,000 |
| Your Responsibility | $3,000 | $6,000 |
| Coverage per Accident |
$1,000 | $2,500 | $5,000 | $7,500 | $10,000 |
| Individual | $10 | $14 | $18 | $20 | $22 |
| Family | $20 | $28 | $36 | $40 | $44 |
An Accident Medical Coverage policy typically provides its full benefit regardless of where you seek medical care.
For less than $1 a day, you can obtain $5,000-Benefit Accident Medical Coverage to cover up to $5,000 of your medical expenses from an accident while traveling or at home.
Accident Medical Coverage provides benefits for medical expenses that result from an accident or injury—it does not provide benefits for medical expenses due to an illness.
Information on this page does not refer to a specific product, policy, or membership—all examples are only for purposes of education. Accident Medical Coverage described on this page can be obtained several ways including: (1) Contacting Zane Benefits to obtain a health insurance policy or plan offering protection against accidents; (2) Contacting Zane Benefits to purchase a standalone Accident Medical Coverage policy; (3) Lowering the Annual Deductible and/or coinsurance requirement of an existing employer-sponsored or other health policy; or (4) Joining an association that provides multiple benefits of membership, one of which is accident medical coverage—similar to the way some people join AAA for a package of benefits (maps, discounts) along with roadside assistance coverage at a better price than roadside assistance coverage might cost alone.