In the event that you or a family member suffers from a certified injury that requires emergency medical transportation by helicopter in accordance with EMS protocols, you will be reimbursed up to $4,000 per occurrence! This includes expenses incurred from the cost of helicopter transportation from the scene of an accident to the nearest medical facility capable of treating the injuries or from one medical facility to another. Provisions: One benefit per occurrence Benefit is paid in excess of all other valid               collectable insurance Coverage is worldwide Transportation by helicopter only Underwritten by an A.M. Best "A" rated insurance company.  Certain terms and conditions apply.   Certain Fitness First Healthcare membership levels include some limited insurance coverages.