Plan Administrator: Trawick International | AM Best Rating: A "Excellent" | Underwriter: GBG Insurance Limited

  • Eligibility: Non US Citizen Student age 12 to 65 studying in USA.
  • Coverage Effective Date: The Effective Date of this Policy is the later of the following: 1. the date the Company receives a completed Application and correct premium for the Period of Insurance, or 2. the date requested on the Application, or 3. the day after applying online.
  • Coverage End Date: Your coverage ends on the earliest of the following: 1. the date you cease to be eligible for coverage; or 2. the end of your term of coverage; or 3. the date requested on your application; or 4. the last day for which premium has been paid; 5. The date you no longer are affiliated with a school; 6. The date you return home; 7. After 364 consecutive covered days.
  • Renew - Renew online, by phone, by email, by fax.
  • ID card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age(12-65)- Student: $500,000 Spouse/Domestic Partner: $100,000

Dependent Child: $100,000 $3,000,000 Annual Maximum Motor Vehicle Accident Maximum: $10,000 per Period of Insurance

Doctor Visit $30 Co-Pay
Ambulance Benefit $350
Hospital Room and Board 100% of the Preferred Allowance up to $1,300 per day, maximum 30 days per Occurrence, subject to a $100 Co-Pay
Emergency Room $250 Co-Pay per visit
Prescription Up to the Policy Maximum

Complete details are given in certificate of insurance.

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  • Suicide, attempted suicide (including drug overdose) self-destruction, attempted self-destruction or intentional self-inflicted Injury while sane or insane;
  • War or any act of war, declared or undeclared;
  • Injury sustained while in the service of the armed forces of any country;
  • Voluntary active participation in a riot or insurrection;
  • Medical expenses resulting from a motor vehicle accident in excess of that which is payable under any other valid and collectible insurance;
  • Treatment for an Injury or Sickness resulting from the Covered Person’s intoxication or use of illegal drugs or any drugs or medication that is intentionally not taken in the dosage recommended by the manufacturer or for the purpose prescribed by the Covered Person’s Physician;

Complete details are given in certificate of insurance.

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Pre-x-coverage

The “Pre-existing Condition Waiting Period” is 6 months. If you receive treatment for a Pre-Existing Condition: a) No benefits will be paid for such condition until the day after a 6 consecutive month period has passed from your effective date; and b) The plan will pay only for Covered Expenses incurred after such 6 consecutive month period.

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Upon effective date, this plan is fully earned and non-refundable. There are no partial refunds.

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This plan is fully earned and non-refundable on the effective date.

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All claims, regardless of submission date, must be received in our office within 90 days of treatment or they will be denied. Initial treatment must occur within 90 days of the Accident or Sickness.

Once a claim has been reviewed, additional documentation may be required for processing. This request will be made in writing to the address on file or via email. Please make sure your mailing address and email address are current.

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