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HERE'S HOW YOUR COVERAGE WORKS
Passport Years Accident Insurance Plan Provides Additional Insurance Money
at NO Additional Cost For Your Loyal Years of Membership!
YOUR NEW COVERAGE EFFECTIVE DATE
As a Passport America Member, you are eligible to enroll regardless of your age or medical history. Your spouse and unmarried children under age 19 (under 23 if full-time college students) are also eligible under the Family coverage.
Your coverage will take effect after your Certificate of Insurance is issued to you and your first premium payment is received by the Passport Years Insurance Plan Administration Office.
IRON CLAD GUARANTEE
You'll have a full 30 days to review your Certificate of Insurance. If the coverage is not everything you hoped it would be (though we're sure you'll be delighted), just return your Certificate to us for a full refund of all the premiums you have paid, less any claims paid.
SPECIAL RATES
Your specially-arranged premium rate for the SILVER Passport Years Plan is just $34 semi-annually for Individual coverage, or $54 semi-annually when you include your family. If you choose the GOLD Passport Years Plan, your premium rate is $67 semi-annually for Individual coverage or $107 semi-annually when you choose
Family coverage. Your insurance premiums cannot be changed unless the same change applies to all Members insured under the Master Policy.
Your coverage cannot be cancelled by the insurance company as long as you remain a Member of Passport America, pay the renewal premium when due and the Plan's Master Policy remains in effect. Dependents' coverage ceases when your coverage terminates; premiums are not paid; or they cease to be eligible dependents.
BENEFITS INCREASE AND PREMIUMS DON'T
Your benefit amounts are determined by the number of years you continuously have been a Member of Passport America. With each year, up through the sixth year, your coverage will continue to grow with no increase in premium.
Gold
Passport Years Plan |
1st Year
Member |
2nd Year
Member |
3rd Year
Member |
4th Year
Member |
5th Year
Member |
6th+ Year
Member |
| Accidental Death Benefit |
$ 40,000 |
$ 44,000 |
$ 48,000 |
$ 52,000 |
$ 56,000 |
$ 60,000 |
| Hospital Benefits |
$ 400/day |
$ 440/day |
$ 480/day |
$ 520/day |
$ 560/day |
$ 600/day |
| Outpatient Benefit |
$ 400 |
$ 440 |
$ 480 |
$ 520 |
$ 560 |
$ 600 |
| Recuperation Benefits |
$ 400/day |
$ 440/day |
$ 480/day |
$ 520/day |
$ 560/day |
$ 600/day |
Silver
Passport Years Plan |
1st Year
Member |
2nd Year
Member |
3rd Year
Member |
4th Year
Member |
5th Year
Member |
6th+ Year
Member |
| Accidental Death Benefit |
$ 20,000 |
$ 22,000 |
$ 24,000 |
$ 26,000 |
$ 28,000 |
$ 30,000 |
| Hospital Benefits |
$ 200/day |
$ 220/day |
$ 240/day |
$ 260/day |
$ 280/day |
$ 300/day |
| Outpatient Benefit |
$ 200 |
$ 220 |
$ 240 |
$ 260 |
$ 280 |
$ 300 |
| Recuperation Benefits |
$ 200/day |
$ 220/day |
$ 240/day |
$ 260/day |
$ 280/day |
$ 300/day |
INCLUDE YOUR FAMILY
With Family coverage, your spouse is covered for 60% of the amount of your coverage shown above when you have no eligible dependent children covered.
If your eligible children are covered, your spouse is covered for 50% of the amount of your coverage, and each child has 20% of the amount of your coverage (or 40% for each child if you have no spouse). Also, each eligible family member's protection increases each year based on your membership years.
FOUR EXCLUSIVE BENEFITS THAT PAY
An Accidental Death Benefit will be paid when a covered person's injury results in death within 90 days from a covered accident listed below (180 days in OR). Your Passport Years benefits for loss of life will be paid: first, to your spouse; second, equally to your children; third, to your estate.
A Hospital Benefit will be paid when a covered person's injuries from a covered accident listed below require a hospital stay, up to a maximum of 365 days. The hospital confinement must occur within 90 days from the date of the injury, be recommended by a doctor, and not be in a convalescent, rest, skilled or intermediate nursing facility or in a home operated primarily for the aged, drug addicts or alcoholics or one that primarily provides custodial or educational care.
An Outpatient Benefit will be paid when a covered person's injuries from a covered accident listed below require treatment in the outpatient department of a hospital within 24 hours of the accident. This benefit is payable once per year for each covered person.
A Recuperation Benefit will be paid for the same number of days that the covered person's hospital confinement benefit is paid.
ENJOY COVERAGE FOR NINE DIFFERENT TYPES OF ACCIDENTS
Motorhome, Automobile, Truck, or Pedestrian Accident – With this unique accident plan, you and your family (if insured) will be covered while driving or riding in an automobile, motor home, or pickup truck, a travel trailer or 5th wheel trailer that is pulled by a car, station wagon, van, sport utility vehicle or pickup truck, or as a pedestrian if struck by a motor vehicle on a public thoroughfare. Simple trips to the grocery store or to a friend's house can often lead to accidents that cause injury – sometimes very serious injury. With the Passport Years Plan, you'll have solid insurance protection for those everyday, around-town trips you make all the time. That's coverage you simply should no longer be without.
Aircraft, Bus, Train, Ship, or Taxicab Accident – Unlike some accident plans that only cover you when you're on an airplane, the Passport Years Plan covers you on any public land or water conveyance operated by a common carrier, including as a passenger on a regularly scheduled commercial passenger airplane. This additional coverage protects you when you're on vacation, on a business trip, visiting the kids, or simply out enjoying yourself. With the Passport Years Plan, you now have the assurance that your accident coverage is going with you wherever you go!
EXCLUSIONS
This Policy does not cover any loss resulting from: intentionally self-inflicted Injury, suicide or attempted suicide; whether sane or insane (in Missouri while sane); war or act of war, declared or undeclared; injury sustained while riding on any aircraft except a Civil or Public Aircraft, or Military Transport Aircraft; Injury sustained while riding on any aircraft: a) as a pilot, crew member or student pilot; b) as a flight instructor or examiner; or c) if it is owned, operated or leased by or on behalf of the Policyholder, or any employer or organization whose eligible persons are covered under this policy; Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is administered on the advice of a licensed physician; Injury sustained while committing or attempting to commit a felony; Injury sustained as a result of being legally intoxicated from the use of alcohol. A Covered Accident will not cover Injury sustained while riding or driving in a scheduled race or testing any automotive vehicle on tracks, speedways or proving grounds. Benefits will be paid for only one Type of Covered Accident under each Benefit payable under the Policy.
This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy ADD-11028 as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reductions of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.
Injury means bodily injury resulting directly from accident and independently of all other causes which occurs while the Covered Person is covered under the policy.
This is not Medicare Supplement Insurance. This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance. This insurance duplicates Medicare benefits when: any expenses or services covered by the policy are also covered by Medicare; Medicare generally pays for most or all of these expenses; Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include: hospitalization, physician services, hospice, other approved items and services.
THIS IS LIMITED ACCIDENT-ONLY COVERAGE
Please call us if you have ANY questions about the Passport Years Plan, Monday - Friday,
9:00 a.m. - 5:00 p.m. central time. Our toll-free number is 1-866-345-6930. We look forward to helping you any way we can!
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