Plan Administrator: Trawick International | AM Best Rating: B++ | Underwriter: GBG Insurance Limited

  • Eligibility:Non US citizen age 0-89 traveling to USA and traveling outside their home country.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: Policy can be renewed from 5 days to 2 years.
  • Acute Onset of Pre-existing Condition: Up to the first $1,000 of Covered Expenses.
  • Co-Insurance: In Network: After deductible is paid by insured, plan pays 100% up to policy maximum.
    Out-of-Network: Outside of PPO network, plan pays 80% of first $5,000, and 100% up to policy max
  • PPO Network: Provides First Health PPO Network.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age (0-64): $50,000; $100,000; $250,000; $500,000

Age (65-89): $50,000;

Doctor Visit Up to Policy Maximum
Urgent Care $30 (If the $0 is chosen, there is no co-pay)
Hospital Room and Board The average semi private room rate
Ambulance Usual customary charge to the selected Medical Maximum
Prescription Up to Policy Maximum

Complete details are given in certificate of insurance.

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  • Intentionally self-inflicted Injury.
  • War or any act of war, whether declared or not.
  • Service in the military, naval or air service of any country. Hernia of any kind.
  • Sickness resulting from pregnancy, childbirth, miscarriage (except as provided by the Policy).
  • Miscarriage resulting from Accident (except as provided by the Policy).
  • All professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sports.
  • Elective surgery which can be postponed until the Covered Person returns to his or her Home Country.

Complete details are given in certificate of insurance.

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Pre-x coverage

Unexpected Recurrence of a Pre-existing Condition: This plan shall pay, up to $1,000 subject to the chosen Deductible and Coinsurance for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country.

This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent necessary prior to the Effective Date of coverage.

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You may review a listing of hospitals, physicians and other medical service providers included in the PPO Network for the area where you will be receiving treatment by accessing the website:

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A renewal notice will be emailed before the Policy Period ends and includes links to renew prior to your termination date. You are subject to the fol-lowing rules at renewal: Coverage may be renewed if it is initially purchased for a minimum of 5 days. If available, additional periods are charged at the premium rate in force at the time of renewal. The total Policy Period cannot exceed 24 months. Five days premium is the minimum acceptable renewal premium and twelve months premium is the maximum. There are no grace periods for renewals. Once the policy has lapsed, you would need to reapply. Please note: once you reapply for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over. Please contact your agent with questions or to renew.

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Full cancellation and refund will only be considered if written request is received by Us prior to the Effective Date of the coverage. If written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made: a) If any claims have been filed with the Company, 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 full month premiums will be considered as refund- able; and c) If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

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Provide the hospital or doctor with a copy of your ID card so they can bill us for the services provided to you. This shows your member ID and is how to find you in our system to verify benefits. Failure to give the correct information to the provider could result in bills getting sent to you, instead of the insurance company. All claims, regardless of submission date, must be received in our office within 90 days of treatment or they will be denied. Initial treatment must occur within 90 days of the Accident or Sickness.

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