Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 180 days.
  • Renew Online: Non-Renewable.
  • Acute Onset of Pre-existing Condition:  No Coverage.
  • Pre-Existing Condition Limitation: 180 days.
  • Co-Insurance: Not Applicable.
  • PPO Network: No PPO Network, visit any doctor.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age(0-69):$50,000,$100,000,$250,000,$500,000

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

Age(80-99):$50,000

Doctor Visit

Usual Reasonary Customary Charges(URC)

Urgent Care

Usual Reasonary Customary Charges(URC)

Hospital Room and Board

Usual Reasonary Customary Charges(URC)

Ambulance

N/A

Prescription

Usual Reasonary Customary Charges(URC)

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  • Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);
  • commission or the attempt to commit a dishonest, fraudulent or criminal act;
  • pregnancy and childbirth (except for complications of pregnancy);
  • piloting or learning to pilot or acting as a member of the crew of any aircraft;
  • war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
  • care or treatment that is not Medically Necessary
  • dental treatment except as a result of an injury to Sound Natural Teeth within twelve (12) months of the injury

Complete details are given in certificate of insurance.

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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:

www.firsthealthinternational.com/LocateProvider/CustomPage

Complete details are given in certificate of insurance

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Pre-x Coverage

Pre-Existing Condition means an illness, disease, or other condition during the six (6) month period immediately prior to the Effective Date for which You: 1) exhibited symptoms that would have caused one to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the six (6) month period before the Effective Date.

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100% refund for policies cancelled prior to the effective date. All cancellations must be submitted in writing and are based on the date.

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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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