Foreign Coverage Endorsement applies to employees hired in the US who travel temporarily outside the US for up to how many days?

• A. 90 days or less
• B. 180 days
• C. 365 days
• D. 30 days

Answer: (A)

Foreign Coverage Endorsement is meant to extend a US‑hired employee’s coverage when they travel outside the United States for work, but only for a brief, temporary period. The key limit here is time: these endorsements apply to trips of 90 days or less. This reflects the idea that the standard policy is tied to US operations, and international protection is provided only for short overseas stints so the exposure abroad remains manageable. If a trip goes longer than 90 days, the endorsement typically doesn’t cover it, and the employer would need a different arrangement—such as a longer-term international program or separate foreign coverage—to protect the employee during extended overseas assignments.