Plan Administrator: Trawick International | Underwriter: Crum and Forster, SPC | AM Best Rating: A ‘Excellent’

  • Coverage Area: Non-US citizens reside outside USA and traveling outside Home Country to visit solely USA, or to visit a combination of USA and other countries Worldwide (certain countries may be restricted at different times).
  • Coverage Length: Min 5 days up to max 364 days.
  • Coinsurance & OOP: 80% coinsurance and $5,000 Out-of-Pocket Maximum in addition to the scheduled limit.
  • Renew Online: Renewable up to max 364 days.
  • Acute Onset of Pre-existing Condition: For ages up to 79, up to Medical Maximum/Coverage related to Cardiac Conditions or Stroke are limited to $25,000 per Period of Insurance. For ages 80 and above, up to $15,000 per Period of Insurance/Coverage related to Cardiac Conditions or Stroke are limited to $15,000 per Period of Insurance.
  • ID card: Link comes in email to download.

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Exclusion

  • Pre-Existing Conditions: Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance except and unless the Charges resulted directly from an ACUTE ONSET OF A PRE-EXISTING CONDITION, in which case the Charges will be covered only according to the Terms of ACUTE ONSET OF A PRE-EXISTING CONDITION provision.
  • Chronic, Congenital, or recurrent Sicknesses.
  • Charges for immunizations, routine physical or other examinations where there are no objective indications or impairment in normal health, or laboratory diagnostic or x-ray examinations except in the course of a disability established by the prior call or attendance of a Physician, except as specifically provided for by the Well Visit.

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Plan Benefits

Safe Travels Advantage 25k

Safe Travels Advantage 50k

Safe Travels Advantage 100k

Safe Travels Advantage 150k

Hospital Room and Board Expenses

$1,400 per day to a maximum of 30 days

$2,000 per day to a maximum of 30 days

$2,000 per day to a maximum of 30 days

$3,000 per day to a maximum of 30 days

Hospital Intensive Care Unit Expenses

$2,100 per day to a maximum of 10 days

$2,500 per day to a maximum of 8 days

$2,500 per day to a maximum of 8 days

$3,000 per day to a maximum of 8 days

Physician’s Non-Surgical Visits

Limited to $55 per visit, one visit per day and 30 visits per Policy Period

Limited to $75 per visit, one visit per day and 30 visits per Policy Period

Limited to $100 per visit, one visit per day and 30 visits per Policy Period

Limited to $130 per visit, one visit per day and 30 visits per Policy Period

Diagnostic X-rays and Lab Services

$450 per Incident

$750 per Incident

$750 per Incident

$1,000 per Incident

Prescription drugs and medications

$250 per Incident

$350 per Incident

$350 per Incident

$350 per Incident

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Plan Benefits

Safe Travels Advantage 25k

Safe Travels Advantage 50k

Safe Travels Advantage 100k

Safe Travels Advantage 150k

Acute Onset of Pre-Existing Condition(s) per Policy Period Subject to the sub limits for each benefit listed

Up to Policy Maximum Coverage related to Cardiac Conditions or Stroke are limited to $25,000 / For ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000

Up to Policy Maximum Coverage related to Cardiac Conditions or Stroke are limited to $25,000 / For ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000

Up to Policy Maximum Coverage related to Cardiac Conditions or Stroke are limited to $25,000 / For ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000

Up to Policy Maximum Coverage related to Cardiac Conditions or Stroke are limited to $25,000 / For ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000

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The Period of Insurance must be initially purchased for a minimum of 5 days. If available, an extension period can be purchased

  1. at the premium rate in force at the time of the extension;
  2. for a minimum of 5 days;
  3. for up to a maximum of 364 days, provided the Covered Person’s Period of Insurance does not exceed 364 days in total.

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If We receive a written request for cancellation and refund after the Effective Date of coverage, a partial cancellation and refund may be allowed. The following conditions apply

  1. If any claims have been filed with Us, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, then
    i.  a cancellation fee of US $50 will be charged; and
    ii. only unused days
  2. premiums will be considered as refundable; and
  3. If after a refund is made, it is determined that a claim was presented to Us on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety.

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All claims must be submitted within 90 days of the date of service. All claims MUST BE ON A FULLY COMPLETED claim form including medical history sections. A claim form must be completed and provided for each medical condition.

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