Safe Travels Advantage

Detail

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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Benefits

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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Acute Pre-Ex Coverage

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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Renew

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

at the premium rate in force at the time of the extension;
for a minimum of 5 days;
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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Cancel

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

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
premiums will be considered as refundable; and
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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Claims

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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