Pulsar is travel medical assistance: a 24/7 service that arranges and pays for your care abroad. Its medical benefits are insured by the insurer named in your voucher email, and the assistance is operated by MDabroad. It does not replace your health plan at home (clause 1 b).

Not for covered care at a network hospital or clinic, once you have contacted us. We send you a Verification of Benefits and the clinic bills us. If you cannot contact us first, do it within 24 hours (clause 6 a).

Send photos of the receipts and the medical report to our WhatsApp. There is no form. Once your documents are complete, we approve and pay most claims in minutes, and never take more than 5 days. Send documents within 60 days of your voucher's end (clause 7 e).

Check your voucher for the terms, eligibility and payout method that apply to your product.

An acute heart attack or stroke is covered on every plan, whatever your history (clause 42 iii). Other conditions that began before the trip are not, unless you add the pre-existing extra: USD 15,000 or 20,000 for acute episodes (clause 8 k).

From 65 your medical limit is 75 percent of the plan's, and the daily price is higher. You can buy Pulsar up to age 85. We show both before you pay.

No. Pulsar has to be bought before your trip starts (clause 3 c). If you already hold a voucher and want to stay longer, ask us before it ends: we can issue up to 30 more days, and treatment of anything that began under the first voucher does not continue (clause 43).

Yes. Within 10 days of buying, if your trip has not started and you have not used any service, you get everything back (clause 4 c). After that, and until 3 business days before your cover starts, you get 80% back, or you move your dates with no change fee. Later than that, or once the trip has started, it cannot be cancelled or moved.