Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: Crum and Forster, SPC

  • Eligibility:Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed from 5 days to 2 years.
  • Acute Onset of Pre-existing Condition:Up to the first $1,000 of Covered Expenses.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum.
    Out-of-Network: Outside of PPO network, plan pays 80% of first $5,000, and 100% up to policy max
  • PPO Network: Provides First Health PPO Network.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age(0-64):$250,000,$500,000,$1000,000

Age(0-69):$50,000,$1,00,000

Age(70-79):$50,000,$100,000,$50,000

Doctor Visit Up to Policy Maximum
Urgent Care $30(If the $0 deductible is chosen, there is no co-pay)
Hospital Room and Board The average semi private room rate
Ambulance Usual customary charge to the selected Medical Maximum
Prescription Up to Policy Maximum.

Complete details are given in certificate of insurance.

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  • Intentionally self-inflicted Injury.
  • Suicide or attempted suicide.
  • War or any act of war, whether declared or not (except as provided by the Policy).
  • Service in the military, naval or air service of any country.
  • Disease or bacterial infection except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food.
  • Hernia of any kind.
  • Piloting or serving as a crewmember or riding in any aircraft except as a passenger on a regularly scheduled or charter airline.
  • Commission of, or attempt to commit, a felony.
  • Injury or Sickness that occurs while the Covered Person has been determined to be legally intoxicated as determined according to the laws of the jurisdiction in which the Injury or Sickness occurred, or under the influence of any narcotic, barbiturate, or hallucinatory drug, unless administered by a Doctor and taken in accordance with the prescribed dosage.

Complete details are given in certificate of insurance.

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UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION BENEFIT This plan shall pay, up to $1,000 subject to the chosen Deductible and Coinsurance for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-existing Condition while traveling outside the Covered Person’s Home Country. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

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You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by accessing the website:

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Renew

A renewal notice will be emailed before the Policy Period ends or you can go online to www.trawickinternational.com and renew prior to your termination date.

You are subject to the following rules at renewal:  Coverage may be renewed if it is initially purchased for a minimum of 45 days'; if available, additional periods are charged at the premium rate in force at the time of renewal; the total Policy Period cannot exceed 24 months. Five days premium is the minimum acceptable renewal premium and twelve month’s premium is the maximum; there are no grace periods for renewals. Once the policy has lapsed, you would need to reapply. Please note: once you reapply for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over. Please contact your agent with questions or to renew.

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A total plan cost minus the processing fee will only be considered if written request is received by us prior to the Effective Date of Coverage as listed on this certificate. If written request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee of $10, if no claim has been submitted to US.

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Provide the hospital or doctor with a copy of your ID card so they can bill us for the services provided to you. This shows your member ID and is how to find you in our system to verify benefits. Failure to give the correct information to the provider could result in bills getting sent to you, instead of the insurance company. 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.

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