Several Levels of Coverage

Several options depending on the type of traveling you intend to do.

Levels of Coverage

Dogtag has 4 Levels of Coverage offering varying levels of benefit and sport coverage depending on your budget and travel needs.

If you're taking a Couple or Family policy, these coverage levels are per person:


Some description

  • BASIC - Wide-ranging coverage at a competitive price. Ideal if you’re traveling light on a relaxing, low-cost holiday.
  • SPORT - Our optimum coverage level, and our most popular – higher coverage levels and coverage for high risk sports
  • EXTREME - Complete peace of mind for you and your holiday with high benefit levels and coverage for a huge raft of Extreme sports.
  • EXTREME+ - Our highest coverage level with the same extensive extreme sports coverage as our EXTREME level.

Check the coverage table below to compare these coverage levels. Click Here to go to the Download Zone to read your documentation.

Note: this is only a summary of coverage. To view the full policy wording, click HERE or hit that document icon.
If you want to know about the sports we cover, simply check the Sports List. 

DOGTAG Schedule of Benefits

Coverages are shown in U.S. Dollar amounts and are per person and per Period of Coverage unless stated otherwise.

Benefit Per Person Limit Per Person Limit Per Person Limit Per Person Limit
Trip Cancellation* $1,000 $2,500 $5,000 $10,000
Trip Interruption* $1,000 $2,500 $5,000 $10,000
Trip Delay (12 hours) $500 maximum ($100/day) $750 maximum ($150/day) $1,000 maximum ($200/day) $1,000 maximum ($200/day)
Emergency Accident Medical Expense $25,000 $50,000 $100,000 $100,000
Emergency Sickness Medical Expense $25,000 $25,000 $25,000 $25,000
Emergency Dental $100 $250 $500 $500
Medical Evacuation / Repatriation $250,000 $500,000 $1,000,000 $1,000,000
Hospital of Choice No Cover No Cover Included Included
Return of Mortal Remains $10,000 $25,000 $50,000 $50,000
Transportation of Dependent Children $10,000 $25,000 $50,000 $50,000
Transportation to Join You $10,000 $25,000 $50,000 $50,000
Search & Rescue No Cover $5,000 $10,000 $10,000
Non-Medical Emergency Evacuation No Cover $50,000 $100,000 $100,000
Baggage/Personal Effects $1,000 Max; $100 per Article; $250 for Valuables $2,000 Max; $250 per Article; $500 for Valuables $3,000 Max; $300 per Article; $500 for Valuables $3,000 Max; $300 per Article; $500 for Valuables
Baggage Delay $250 $500 $750 $750
Sports Equipment Rental No Cover $3,000 $5,000 $5,000
24-Hour AD&D $5,000 of Principal Sum $10,000 of Principal Sum $25,000 of Principal Sum $25,000 of Principal Sum
Sports Exclusion Hazardous sports excluded Hazardous sports are covered; Extreme Sports are excluded All sports exclusions removed All sports exclusions removed
Emergency Travel Assistance Services Included Included Not applicable Not applicable
Emergency Travel Assistance and Concierge Services Not applicable Not applicable Included Included

Exclusions - Please review your plan document for a full list of exclusions. 

Description of Benefits

Medical Expenses: Only such expenses, incurred as the result of and within the Period of Coverage from a Disablement, which are specifically enumerated in the following list of charges, and which are not excluded in EXCLUSIONS AND LIMITATIONS, shall be considered as Covered Expenses: 

1. Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semi-private room and board accommodations; charges made for an operating room. 

2. Charges made for Intensive Care or coronary care charges and nursing services. 

3. Charges made for diagnosis, treatment and Surgery by a Physician; charges made for the cost and administration of anesthetics. 

4. Charges made for Outpatient treatment, same as any other treatment covered on an Inpatient basis. This includes ambulatory surgical centers, Physicians’ Outpatient visits/examinations, clinic care, and surgical opinion consultations. 

5. Charges for medication, x-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood transfusions, iron lungs, and medical treatment; dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon. 

6. Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist. 

7. Ground ambulance (within the metropolitan area, up to the maximum stated in the SCHEDULE OF BENEFITS) to and from the nearest Hospital with facilities for required treatment. If the Insured Person is in a rural area and unreachable by ground ambulance, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense. 

8. Hotel room charge, when the Insured Person, otherwise necessarily confined in a Hospital, shall be under the care of a duly qualified Physician in a hotel room owing to unavailability of a Hospital room by reason of capacity or distance or to any other circumstances beyond control of the Insured Person. 

9. Charges made for artificial limbs, eyes, larynx, and orthotic appliances, but not for replacement of such items. 

10. Charges for Home Health Care up to a $2,500 Maximum per Policy Period. 

11. Charges for care in a licensed Extended Care Facility as defined herein, upon direct transfer from an acute care Hospital.