Plan Administrator: Trawick International | Underwriter: Zurich Insurance Europe AG Belgian branch | AM Best Rating: A+ ‘Superior

  • Coverage Area: Non-US citizens reside outside US & are traveling outside of Home Country & not traveling to US or other restricted countries.
  • Coverage Length: Minimum 5 days to 364 days.
  • Unexpected recurrence of a pre-existing condition: Up to $1,000 per period of insurance for below 70 years.
  • Co-Insurance: 80% of the first $5,000 of eligible Charges then 100% up to the Medical Maximum.
  • ID Card: Link comes in email to download.

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  • Doctor visit: After deductible and coinsurance, up to medical maximum.
  • Hospital room & board: After deductible and coinsurance, up to medical maximum for average semi-private room rate.
  • Prescription drugs: After deductible and coinsurance, up to medical maximum. Maximum $250,000 limit applies.
  • Ambulance: After deductible and coinsurance, up to medical maximum.

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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 UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION, in which case the Charges will be covered only according to the Terms of UNEXPECTED RECURRENCE OF A PRE- EXISTING CONDITION provision.
  • Charges for 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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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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PPO Network

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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An extension notice will be sent to the Covered Person before the Period of Insurance 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 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. There are no grace periods for extension. Once the coverage has lapsed, reapplication may be allowed provided you meet the ELIGILBILTY requirements. Please note, upon application for a new coverage, the Pre-Existing Condition exclusion, deductible and coinsurance 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. 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

b) 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.

Upon effectuation of such cancellation and refund, neither the Company nor the Covered Person shall have any further rights, liabilities, or obligations under this insurance.

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NOTICE OF CLAIM: A Claimant must give Us or Our authorized representative written (or authorized electronic or telephonic) notice of claim within 90 days after any loss covered by the Certificate of Coverage occurs. If the Claimant or Covered Person is incapacitated within the 90 days after the loss, must be given as soon as reasonably possible. This notice should identify the Covered Person and the Certificate Number. All claims must be submitted within 90 days from date of Incident, or they will be denied. Reasonable circumstances may exist in which this is not always possible. Any submissions after 90 days will be reviewed by Us to determine if the delay is reasonable.

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