Travel further,
worry less.
Optimum Global Travel 2025 gives you the freedom to explore the world with $8M medical cover, trip protection, and 24/7 emergency assistance — whether you’re on a weekend getaway or a 6‑month adventure.
Why travellers choose Optimum Global
Serious protection for unexpected medical emergencies, trip disruptions, and luggage mishaps — with optional adventure and winter sports.
Elite medical cover
Emergency medical treatment, hospitalisation, dental relief, and additional hospitalisation benefit ($35/day). Includes emergency evacuation & repatriation — all coordinated by our 24/7 assistance team.
Trip cancellation & curtailment
Non-refundable flights, hotels, tours? Covered if you have to cancel or cut your trip short due to unforeseen illness, injury, death of a close relative, jury service, or other insured events.
Baggage, money & passport
Lost, stolen or damaged luggage — including single item limit $425. Plus cover for cash (up to $1,200 adult / $250 child) and emergency passport replacement costs while abroad.
- ✓ Baggage delay: $180 per 12h (max $360)
- ✓ Personal effects & valuables included
Winter sports upgrade
Optional cover for skis, snowboards, ski pass, piste closure (up to $35/day), avalanche/landslide delays, and inability to ski due to injury. Off-piste allowed when local guidelines observed.
Adventure sports upgrade
Extend your cover to mountaineering with ropes (2,500m), scuba diving to 30m (with qualification), trekking up to 5,000m, bungee jumping, paragliding, skydiving, canyoning and more — amateur basis.
Cruise & ship evacuation
Specialised cover for emergency evacuation from a cruise ship or liner when inpatient treatment can't be provided on board. Evacuation arranged by coastguard / military — invoice covered.
Annual Multi-Trip up to 180 days
Standard annual cover gives you 90 days per trip — but members under 65 can extend to 180 days per trip with the optional upgrade. Perfect for snowbirds, digital nomads, and extended sabbaticals.
✔ Delayed departure benefit: $125 first 12h, then $90 per 12h (max $300)
✔ Missed departure / connection: up to $1,600 for extra travel & accommodation
✔ Abandonment cover: up to $8,000 if your outward trip is delayed 24h+ due to strike, weather, or breakdown
Emergency assistance — multilingual hotline +1 305 893 9433. Direct payments to hospitals, repatriation coordination, and medical case management.
Direct billing — in most hospitalisation cases we pay the facility directly, so you don't have to use your own funds.
Personal liability
$3,000,000
Legal liability cover if you accidentally injure someone or damage their property during your trip.
Personal accident
$31,000
Accidental death, loss of limbs/eyesight, permanent total disablement — plus specific amounts for loss of thumb, toe, or fingers.
Hijack & catastrophe
$80/day + $1,600
Hijack benefit: $80 per 24h (max $800). Catastrophe cover: forced relocation due to fire, flood, earthquake, epidemic or government directive.
👤 Age limits
Single Trip: up to 84 years
Annual Multi Trip: up to 79 years
Members 75+ max trip duration 60 days (annual)
⚕️ Pre-existing conditions
Excluded unless accepted by us in writing. Definition includes any condition with treatment/medication/advice in the past 5 years. You must declare all relevant medical history.
💰 Excess (deductible)
Most sections: $125 per person per claim.
Medical & dental: $125 excess applies.
Baggage delay / hijack / catastrophe: $0 excess.
📌 Please note: This policy does not cover pre-existing conditions (unless accepted), war/terrorism, travel against FCDO advice, professional sports, manual work, self-inflicted injuries, or infectious disease pandemics where disinclination to travel is the reason. Full exclusions apply — see policy wording.
📄 Policy documents & resources
Access the full policy wording, IPID summary, and other important documents. Always refer to the complete terms and conditions for full details of coverage, exclusions, and limits.
Ready for your next journey?
Get a quote in minutes. Single trip or annual multi-trip — choose the coverage area that fits your destination.
Get a free quote →📞 call: +852 2530 2530 | ✉️ crew@navigator-insurance.com