Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: Crum and Forster, SPC
| Age and Policy Maximum |
Age (0-64): $250,000; $500,000; $1000,000 Age (0-69): $50,000; $100,000 Age (70-79): $50,000; $100,000 Age (80-89): $50,000; |
| Doctor Visit | Up to Policy Maximum |
| Urgent Care | $30 (If the $0 is chosen, there is no co-pay) |
| Hospital Room and Board | The average semi private room rate |
| Ambulance | Up to Policy Maximum. |
| Prescription | Up to Policy Maximum. |
Complete details are given in certificate of insurance.
Complete details are given in certificate of insurance.
Sudden and Acute Onset of a Pre-Existing Condition – For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above. Upon attaining age 70 benefits will be reduced to a Medical Maximum of $25,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre- Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility.
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:
A renewal notice will be emailed before the Policy Period ends or you can go online to Trawick International website 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 5 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 months 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.
Full cancellation and refund will only be considered if written request is received by Us prior to the Effective Date of the coverage. If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made: a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $ 25 will be charged; and (ii) only full month premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.
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.