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

  • Coverage Area: Non-US citizens (age 0-89) reside outside USA, traveling outside home country to visit solely USA or combination of USA & other countries.
  • Coverage Length: Minimum 5 days up to 364 days
  • Unexpected recurrence of a pre-existing condition: Up to $1,000 per policy period.
  • Co-Insurance: 90% of the first $2,500 then 100% up to the Policy Maximum
  • ID Card: Link comes in email to download.

View more details

Benefit

  • Doctor Visit: After deductible and coinsurance, plan pays up to policy maximum.
  • Hospital room & board: After deductible and coinsurance, plan pays up to policy maximum for average semi-private room rate.
  • Prescription drugs: After deductible and coinsurance, plan pays up to policy maximum.
  • Ambulance: After deductible and coinsurance, plan pays up to policy maximum.

View more details

  • Pre-Existing Conditions, as defined.
  • chronic or recurrent Illnesses.
  • Sickness resulting from pregnancy (except as provided by Emergency Medical Treatment of Pregnancy).
  • 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 in this Policy.

Complete details are given in certificate of insurance.

View more details

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.

View more details

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.

View more details

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; 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 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.

View more details

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.

View more details

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.

View more details