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

  • Eligibility:Non US citizen age 0-89 who reside outside USA & traveling outside home country (must travel to USA).
  • Coverage Length: Min 5 days up to max 364 days.
  • Acute Onset of Pre-existing Condition: Up to the first $1,000 of Covered Expenses.
  • Renew Online: Minimum 5 days renewal.
  • Co-Insurance:90% of the first $2,750  then 100% up to the Policy Maximum
  • PPO Network:First Health network
  • ID Card & Visa Letter comes in email instantly.

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  • Doctor Visit: Usual, Reasonable and Customary charges
  • Urgent care: $30 per Incident if the $0 out of Network deductible is chosen, there is no Co-Pay
  • Hospital room and board: Average semi-private room rate, which would include nursing services
  • Emergency room(Direct Admission): $200 Additional deductible per visit – Only applies when receiving care in an Emergency Room for an Illness that does result in a hospital admittance
  • X-rays & Lab Services: : Up to policy max.
  • Ambulance: Usual, Reasonable and Customary charges, when covered Illness or Injury results in Hospitalization
  • Loss of Checked Baggage: $1,000 per Policy Period

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  • intentionally self-inflicted Injury.
  • suicide or any attempt there at while sane or self-destruction or any attempt there at while insane.
  • war or any act of war, whether declared or not.
  • service in the military, naval or air service of any country.
  • disease or bacterial infection except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food.
  • hernia of any kind.
  • piloting or serving as a crew member or riding in any aircraft except as a passenger on a regularly scheduled or charter airl

Complete details are given in certificate of insurance.

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UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION Benefits are payable for an Unexpected Recurrence of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Any repeat/reoccurrence within the same Policy Period will no longer be considered Unexpected Recurrence of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Unexpected Recurrence of a Pre-Existing Condition per Policy Period. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

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we will no longer charge a penalty for out of network providers! You are free to use any doctor or hospital. We still feature the First Health network and strongly suggest that your clients utilize it whenever possible as there is still repricing available from in network providers. But the choice is yours, any doctor any hospital, any time! After the deductible the plan pays per the product description below.

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An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend prior to the Termination Date. The Covered Person is subject to the following rules at extension: In order to extend, the Policy Period must be initially purchased for a minimum of 5 days. If available, an extension period can be purchased; 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 Policy Period does not exceed 364 days in total. There are no grace periods for extension. Once the Policy has lapsed, reapplication is required. Please note, upon application for a new Policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over.

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Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the coverage. 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: a) If any claims have been filed with Us, 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 unused days premiums will be considered as refundable; and c) 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.

Claim Forms: Upon receiving written notice of claim, We will provide claim forms to the claimant within 15days. If We do not furnish such claim forms, the claimant will satisfy the requirements of written proof of loss by sending the written (or authorized electronic or telephonic) proof as shown below. The proof must describe the occurrence, extent and nature of the loss and give authorization to release medical record


Surego Administrative Services on Behalf of Crum & Forster

PO Box 2069 Fairhope AL 36533

Click here to Submit Your Claim Online

For claim status or questions please call: Toll Free: 866-696-0409 Direct 251-928-0939


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