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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• 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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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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