Hi there,
Thanks for pointing that out.
I was freaking out for a sec . So i triple checked the policy they sent me. That paragraph is not in there. A similar one is but it includes the USA.
You can purchase USA coverage or rest of world coverage exl USA. So it depends which policy you purchase.
I spoke to a rep at global underwriters and as special consideration they will cover me in the USA and Canada and add rock climbing (Sweet!).
Direct from my policy ....
"
$ 1,000,000.00 – Accident and Sickness Medical Life Time Maximum
$ 100.00 - Deductible
Co Insurance -
100% up to the policy maximum outside USA or
80% of the first $5,000 in the USA then 100% up to the policy Life Time maximum
.............
"
Cheers