Terms & Conditions

The International LifeLine™ membership program provides emergency response services to its Members. These Terms and Conditions govern your membership and use of those services.

MEMBERSHIP SERVICES OVERVIEW

International LifeLine™ services include:

1. Evacuation service for a medically related incident
2. Worldwide repatriation to a hospital of the Member’s choice
3. Medical stabilization costs prior to medical transport
4. Repatriation of mortal remains
5. Kidnap and Extortion resolution services
6. Political & Civil Unrest evacuation services

RESPONSE BUDGETS AT A GLANCE

The following table summarizes the maximum response budget for each service section. Services remain subject to these Terms and Conditions:

WORLDWIDE MEDICAL EVACUATION, EMERGENCY MARITIME EVACUATION & REPATRIATION

The Worldwide Medical Evacuation, Maritime Evacuation, and Repatriation service is part of the International LifeLine™ annual and trip memberships. This service provides coordination of evacuation for a medically related incident, as well as repatriation services. To utilize the repatriation service, the member must be admitted to a hospital (see Country Exclusions below) and will be transported to a hospital closer to home or a hospital of their choosing.

All operations are coordinated by the International LifeLine™ Response Center, which is staffed 24/7/365 to liaise between medical personnel and the Membership holder, with 24-hour multi-lingual support.

Service Details - Sections A through D

International LifeLine™ will provide medical evacuation, maritime evacuation, and repatriation to a hospital nearest your home or a hospital of your choosing that is capable of providing the required treatment, as determined by the physicians providing current treatment and by International LifeLine™. Evacuation and repatriation will be performed in a medically equipped and staffed aircraft, ambulance, or other appropriate mode of transportation.

Services are available when a Member is injured or becomes ill during a trip and requires emergency medical repatriation. Services are delivered subject to these Terms and Conditions and require that the membership is valid and current at the time of and throughout the incident period, and include:

• Emergency medical evacuation costs incurred on the advice of a Doctor or Emergency Services appointed by the Medical Emergency Provider, to transport the Member to Medical Facility ‘A’.
• Repatriation costs to transport the Member to Medical Facility ‘B’ nearer to the Member’s permanent residence, or to the hospital of their choosing, following an emergency medical evacuation, provided that:
  • The Doctor agrees the Member is sufficiently fit to travel, if necessary by air ambulance or other appropriate specialized transport; and
  • The Member is 99 miles or more away from their permanent residence.
• Medical stabilization costs at Medical Facility ‘A’ prior to evacuation or repatriation, subject to the General Conditions and the Section C limit of $1,500 per day for a maximum of 7 days, up to $10,500.
• Costs to send home a Member’s ashes or body if they die during a Trip that meets these Terms and Conditions, subject to these Terms and Conditions and the Section D limit of up to $25,000.

PAYMENT CONDITIONS AND SERVICE LIMITS

• The Member must not attempt to arrange solutions to medical emergency problems without involving the appointed Medical Emergency Provider. If the Medical Emergency Provider is not involved, International LifeLine™ may, at its sole discretion, decline to pay for the costs of the incident.
• If, in good faith, International LifeLine™ incurs emergency medical evacuation or repatriation costs for any person other than the injured or ill Member, the Member will reimburse International LifeLine™ for all such costs incurred.

CANCELLATION & REFUND POLICY

Memberships may be cancelled and a full refund requested within 30 days of purchase, provided no incident notification has been made during that period.

Important Refund Deadline: Because International LifeLine™ is required to report and remit payment to its underwriters for all memberships purchased within a given calendar month by the 15th of the following month, full refunds cannot be processed for requests received more than 14 days after the end of the month in which the membership was purchased. For example, a membership purchased in May must have a full refund request submitted no later than June 14.

After this refund window, memberships may be cancelled without refund for the remainder of the membership term. No refund will be issued if a qualifying incident notification has been made at any point during the membership period.

KIDNAP & EXTORTION RESOLUTION AND POLITICAL EVACUATION

Kidnap & Extortion Resolution - Section E

If an International LifeLine™ Member becomes illegally detained by any third parties, International LifeLine™ will provide:

• “Kidnap & Extortion Resolution” service, which will pay the fees and costs of Guidry Group as Response Consultants to assist Individual Members in the event of a Kidnap or Extortion.
• Payment of Guidry Group’s fees and costs, up to $1,000,000, for negotiating and securing the safe return home of a Member under the “Kidnap & Extortion Resolution” membership service, subject to these Terms and Conditions, with membership valid and current at the time of and throughout the incident period.

Political Evacuation - Section F

If an International LifeLine™ Member requires emergency evacuation due to a political event, International LifeLine™ will provide:

• “Political Evacuation” service, paying any costs necessarily incurred by a Member arising during a trip in order to assist in a Political Emergency Evacuation following an Evacuation Advisory, provided that such services have been managed by the Emergency Provider appointed by International LifeLine™.

GENERAL CONDITIONS

Medical Evacuation, Emergency Maritime Evacuation & Repatriation

• International LifeLine™ will make all arrangements for medical evacuation, emergency maritime evacuation, and repatriation.
• The Member must be hospitalized and admitted as an inpatient at the hospital to which they are being repatriated.
• If the medical condition allows, the Member will be transported by scheduled airline or other transit system while in the care of the International LifeLine™ assigned medical team.
• Evacuation transportation will be performed if the Member needs to be hospitalized as an inpatient and the remaining inpatient stay can be completed at a hospital near the Member’s home.
• International LifeLine™ will pay medical costs for stabilization prior to evacuation and repatriation only, up to the amounts specified in the Response Budgets table above.
• Decisions concerning the urgency, timing, and most suitable means of transportation will be made by the Medical Emergency Provider after consultation with the local attending physician and the receiving physician.

Kidnap & Extortion Resolution

• International LifeLine™ will coordinate with the Guidry Group to evaluate the situation, advise, and assist in the resolution of the crisis.
• International LifeLine™ will pay fees and costs for services provided by the Guidry Group as Response Consultants, up to the amounts specified in the Response Budgets table above.

Emergency Political & Civil Unrest Evacuation

• International LifeLine™ will make all arrangements for political/civil unrest evacuation.
• International LifeLine™ will pay costs incurred for political evacuation services, up to the amounts specified in the Response Budgets table above.

EXCLUDED TERRITORIES

Worldwide Emergency Medical Evacuation & Repatriation (Sections A–D)

Territories from which Medical Evacuation & Repatriation memberships may not be utilized include (subject to change):

Afghanistan, Chechnya, Cuba, Democratic Republic of Congo, Iraq, Iran, Israel (West Bank, Gaza and the occupied territories only), North Korea, Somalia, Mali, Ukraine, Russia, Sudan, and Syria.

Kidnap and Extortion Resolution Services (Section E)

Territories from which Kidnap and Extortion Resolution memberships may not be utilized include (subject to change):

Afghanistan, Chechnya, Democratic Republic of Congo, Iraq, Israel and Palestinian Territories, Venezuela, Myanmar, Haiti, Syria, Yemen, Libya, Pakistan, Lebanon, North and South Sudan, Ukraine, Belarus, Russia, and any US/UK/European Sanctioned Countries.

Territories from which Kidnap and Extortion Resolution memberships may not be purchased (subject to change):

Afghanistan, Algeria, Belarus, Benin, Burkina Faso, Cameroon, Central African Republic, Chad, China, Colombia, Democratic Republic of Congo, Timor-Leste, Egypt, Ethiopia, Georgia, Haiti, Honduras, Israel and Palestinian Territory, Iran, Iraq, Kenya, Lebanon, Libya, Mali, Mauritania, Mexico, Mozambique, Niger, Nigeria, North Sudan, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen, and any United States of America/United Kingdom/European Union Sanctioned Countries.

Political Evacuation Services (Section F)

Territories from which Political Evacuation memberships may not be utilized include (subject to change):

Afghanistan, Chechnya, Democratic Republic of Congo, Iraq, Israel (West Bank, Gaza and the occupied territories only), Venezuela, Myanmar, Haiti, Syria, Yemen, Libya, Pakistan, Lebanon, North and South Sudan, Ukraine, Belarus, Russia, and any US/UK/European Sanctioned Countries.

EXCLUSIONS

The exclusions set forth are for the protection of our members and to allow International LifeLine™ to continue offering this high-value membership at affordable prices.

International LifeLine™ Memberships exclude incident notifications arising from, or contributed to by, any of the following:

• Any Member traveling or arranging to travel:
  • To obtain medical or convalescent treatment;
  • Against medical advice;
  • After a terminal prognosis has been made and/or contrary to health and safety restrictions from an airline or carrier;
  • To any country within the Excluded Territories stated above.
• Criminal acts and/or felonious acts by any Member.
• Civil commotions or riots of any kind.
• Any Member taking part in any form of operational duties as a member of the armed forces, including as a reservist, volunteer, or mercenary.
• Any sickness, medical or mental condition, injury, illness, chronic or recurring disease, or any planned or recommended medical procedure that the Member knew about or, in the Medical Emergency Provider’s reasonable opinion, should have known about at the commencement date of membership with International LifeLine™ (Pre-Existing Medical Condition).
• Any Member taking part in or training for:
  • Expeditions, time trials, and/or record attempts;
  • Professional sports or riding/driving in any kind of race;
  • Skydiving, skysurfing, hang-gliding, paragliding, or aerobatics, including any activity in which a Member ties, straps, holds, harnesses, or attaches themselves in any manner to a sail, kite, chute, wingsuit, or any other device that lifts, propels, moves, or supports them in the air, water, or on the ground. Licensed ski lifts, tows, cable cars, licensed private aircraft, and sailing vessels are not excluded by this provision.
• Negligent and willful exposure to dangerous situations, except in an attempt to save human life. This does not exclude reasonable dangers associated with normal activities that a normally prepared person would engage in.
• Inadequate provision, training, or competence needed to safely complete the trip being undertaken, as defined by regular participants of the stated activity.
• Failure to observe Coast Guard and/or Emergency Services’ instructions, including posted notices and warnings, that directly lead to a reported or escalated incident.
• Being under the influence of or affected by alcohol or drugs, unless under a doctor’s advice for a condition other than alcohol or drug addiction.
• Suicide, attempted suicide, and/or deliberate self-injury, whether of sound mind or not.
• Ionizing radiation or contamination by radioactivity from any nuclear fuel, nuclear waste, or radioactive toxic explosion, or other hazardous properties of any explosive nuclear assembly or nuclear component.
• A decision not to travel and/or to not continue to travel is not a qualifying event.
• A change in financial circumstances (e.g., requesting transportation solely due to theft of funds, credit cards, or airline tickets) is not a qualifying event.
• Failure to obtain a passport, visa, or other necessary travel documentation.
• Any cause that existed, had started, was forecasted, or for which advance warning had been given before the trip commenced.
• War or acts of terrorism.
• Engaging in active war.
• Costs for which the Member is entitled to payment under a separate insurance policy.
• Fraud, concealment, or deliberate misstatement by the Member in relation to any matter affecting these Terms and Conditions or in connection with the making of any incident notification.

Additional Exclusions - Emergency Medical Evacuation, Maritime Evacuation, Repatriation & Medical Costs Only

• Tuberculosis or other chronic airborne pathogens.
• Costs and expenses to transport the property of a Member, other than one small carry-on bag during emergency medical evacuation, maritime evacuation, or repatriation.
• Any treatment not confirmed by a doctor as medically necessary.
• Additional travel or accommodation expenses not authorized by International LifeLine™ or the appointed Medical Emergency Provider if a Member must return home earlier than planned or be repatriated.
• Surgery, medical, or preventative treatment that can be delayed, in the opinion of a treating doctor or the Medical Emergency Provider, until the Member returns home.
• Medication a Member was taking before and must continue to take during a trip.
• General medical expenses that would, but for this membership program, be provided by any existing insurance or similar scheme in the name of or in relation to the Member.

Additional Exclusions - Enforced Political Evacuation Only

• Events forming part of a connected series of events that began before the start of the Member’s applicable membership period.
• Loss or damage arising directly or indirectly from the deliberate, fraudulent, illegal, malicious, dishonest, or criminal act by the Member, whether acting alone or in collusion with others, including:
  • Any actual or alleged failure to procure or maintain authorized/official immigration status, work, residence, or similar visas, permits, or documentation, unless the Member can show that such allegations were intentionally false, malicious, and made solely to achieve a political, propaganda, or coercive effect;
  • Non-political evacuation from a country within 14 days after issuance of an Evacuation Advisory;
  • Persons having traveled to a region at a time when an Evacuation Advisory had already been issued for that region;
  • Any act that would be a criminal offence if committed in the state where the Member’s headquarters are located or in their country of residence.
• Any liability to third parties arising from bodily injury, sickness, disease, death, or property damage.
• Nuclear radiation or radioactive contamination, except for approved processes authorized by appropriate governmental or regulatory authorities.
• Loss or damage by electronic means, including computer hacking, introduction of computer viruses or corrupting code, or use of any electromagnetic weapon. This exclusion does not apply to losses arising from the use of any computer or electronic system in the launch, guidance, or firing mechanism of any weapon or missile.

Additional Exclusions - Kidnap & Extortion Resolution Services Only

• Loss arising directly or indirectly from the deliberate, fraudulent, illegal, malicious, dishonest, or criminal act by the Member, whether acting alone or in collusion with others, including:
  • Any actual or alleged failure to procure or maintain authorized/official immigration status, work, residence, or similar visas, permits, or documentation, unless the Member can show that such allegations were intentionally false, malicious, and made solely to achieve a political, propaganda, or coercive effect;
• Any liability to third parties arising from bodily injury, sickness, disease, death, or property damage.
• Nuclear radiation or radioactive contamination, except for approved processes authorized by appropriate governmental or regulatory authorities.
• Loss or damage by electronic means, including computer hacking, introduction of computer viruses or corrupting code, or use of any electromagnetic weapon. This exclusion does not apply to losses arising from the use of any computer or electronic system in the launch, guidance, or firing mechanism of any weapon or missile.

DEFINITIONS

Sections A–D and F

Active War – Active participation in a war by a Member deemed under English Law to be under instruction from or employed by the armed forces of any country.

Doctor – A Registered Medical Practitioner holding a valid license to practice medicine in a recognized international or domestic body. The Doctor cannot be the Member or an immediate family member of the Member, as it relates to evaluation of patient symptoms, conditions, or other relevant medical information.

Expedition – An organized journey or voyage for a specific purpose, including but not limited to scientific research, filming of documentaries, nature conservation, charitable and developmental projects, military and/or government activities, and any journey organized by a third party or requiring a permit.

Hospitalized/Hospitalization – Admitted as an inpatient at a Medical Facility on the advice of a Doctor.

Individual Member / Individual Membership – The subscribing individual to the Orbis International LifeLine™ Emergency Medical Evacuation and Medical Repatriation Services.

Medical Emergency Provider – International LifeLine™’s authorized medical evacuation and repatriation provider.

Medical Facility – A legally registered establishment for ill or injured persons that provides medical and surgical treatment and 24-hour nursing care by registered nurses. This does not include a convalescent, self-care, or rest home; a hospital department functioning as a convalescent or nursing home; a hospice; or a mental health hospital.

Member – Any individual who subscribes to the International LifeLine™ Membership. All annual membership periods are for 365 days (1 year) from the start of subscribed membership and are eligible for renewal, including the option of setting up auto-renewal.

In respect of Individual Membership, a Member will be the sole subscribing individual. However, in respect of multiple memberships for family members or friends, the following definitions apply:

• Child – Any Member’s natural, legally adopted, foster, or stepchild, provided such child is unmarried and under age 19 and permanently living with the Member; or up to age 23 if in full-time education.
• Partner/Spouse – A Member’s legally married spouse, or registered civil partner under the Civil Partnership Act 2004, who permanently lives with the Member; or a person who has permanently lived with the Member for at least 6 months in a relationship in the nature of a marriage, even if not legally formalized.

Enforced Political Emergency Evacuation – The evacuation of a Member from the country in which they are visiting or staying as a result of an Evacuation Advisory triggered by a Political Event.

Political Event – An event that may lead to an incident involving one or more Members traveling together arising from an Act of Terrorism, Sabotage, Riots, Strikes, Civil Commotion, Malicious Damage, Insurrection, Revolution, Rebellion, Mutiny, Coup d’état, or Civil War, as each is defined below.

• Act of Terrorism – An unlawful act, including the use of force or violence, by any person or group, whether acting alone or on behalf of any organization, committed for political, religious, or ideological purposes, including the intention to influence any government or put the public in fear.
• Sabotage – Willful physical damage or destruction perpetrated for political reasons by known or unknown person(s).
• Riots – Any act committed in the course of a disturbance of the public peace motivated by political reasons, by any person participating in such disturbance, or any act by a lawfully constituted authority to suppress or minimize the consequences of such act.
• Strikes – Any willful act of any striker or locked-out worker in furtherance of a strike or in resistance to a lock-out, or any act by a lawfully constituted authority to suppress or minimize the consequences of such act.
• Civil Commotion – Same as Riots above.
• Malicious Damage – Physical loss or damage resulting directly from an act by anyone during a disturbance of the public peace where the act is perpetrated for political reasons.
• Insurrection, Revolution, and Rebellion – A deliberate, organized, and open resistance by force and arms to the laws or operations of a sovereign government, committed by its citizens or subjects, or a rising against a sovereign government or other authority.
• Mutiny – A willful resistance by members of legally armed or peacekeeping forces to a superior officer.
• Coup d’état – The sudden, violent, and illegal overthrow of a sovereign government, or any attempt at such overthrow.
• Civil War – An internecine war, or a war carried on between or among opposing citizens of the same country or nation.

Evacuation Advisory – Advice issued by or on behalf of the national government of the Member’s home state to the effect that the Member should evacuate the country in which they are situated.

Pre-Existing Medical Condition – A medical condition meeting any of the following criteria at the time of membership commencement or before the Member’s need for evacuation or repatriation:

• A condition for which a terminal prognosis had been received;
• A condition for which the Member was awaiting an operation;
• A condition for which the Member had seen a specialist, had a hospital consultation (other than for regular check-ups), been admitted overnight, or received hospital treatment or investigations during the 3 months prior to membership commencement;
• Any form of cancer, blood disorder, psychiatric illness, leukemia, tumor, dialysis treatment, transplant, or dementia for which the Member had received treatment (other than regular medication) during the 12 months prior to membership commencement;
• Any breathing or heart problem requiring hospital treatment during the 12 months prior to membership commencement;
• A diagnosis of HIV positive or requirement for treatment for HIV or any HIV-related illness.

Qualifying Event – An incident involving one or more Members eligible for these services being admitted as a patient for stabilization or continued care following an incident that occurs 99 miles or more from their place of residence.

Terrorism – An act including, but not limited to, the use or threat of force and/or violence by any person or group, whether acting alone, on behalf of, or in connection with any organization or government, committed for political, religious, ideological, or similar purposes, including the intention to influence any government or put the public in fear.

Trip – Any journey of 99 miles or more from a Member’s permanent residence. This service allows the eligible Member to travel without any restrictions relating to trip length.

War – War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion amounting to an uprising, military or usurped power; any act of terrorism; or any act of war or terrorism involving the use of or release of a threat to use any nuclear weapon, device, chemical, or biological agent.

Section E - Kidnap & Extortion Resolution

Active War – Active participation in a War by a Member employed by the armed forces of any country.

Extortion – The making of illegal threats, directly or indirectly, to a Member to kill, injure, or abduct a Member, or to cause physical damage to or loss of Property, by persons demanding a Ransom as a condition of not carrying out such threats.

Kidnap – The actual or alleged illegal taking captive or abduction of one or more Members by persons demanding a Ransom specifically from the assets of the Member as a condition of the release of such captive(s) or abductee(s).

Member – Any individual who subscribes to the International LifeLine™ Membership.

Property – Buildings (including fixtures, fittings, and other contents), waterborne vessels, and aircraft owned or leased by a Member, or for which a Member is legally liable.

Ransom – Cash and/or marketable goods or services surrendered or to be surrendered by or on behalf of a Member to meet a Kidnap or Extortion demand.

War – War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion amounting to an uprising, military or usurped power; or any Act of Terrorism or act of war involving the use of or release of a threat to use any nuclear weapon, device, chemical, or biological agent.

IMPORTANT NOTICES

The International LifeLine™ Medical Evacuation & Repatriation service is a prepaid private Medical Evacuation Membership program and is not an insurance plan, travel insurance policy, or healthcare plan. Therefore, International LifeLine™ will not reimburse members for any expenses they incur on their own.

The International LifeLine™ Political Evacuation and Kidnap & Extortion Resolution services are prepaid private programs. Therefore, International LifeLine™ will not reimburse members for any expenses they incur on their own.

CONTACT & UNDERWRITING

If you have any questions about these Terms and Conditions, please contact our Customer Support team by emailing This email address is being protected from spambots. You need JavaScript enabled to view it..

Orbis Travel Safety Limited maintains insurance underwritten by Certain Underwriters at Lloyd’s. These policies indemnify International LifeLine™ in respect of services it provides to its members.

Terms and Conditions are subject to change.