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

  • Eligibility:Non US Citizens and Non US Residents age 0-99 while traveling outside their Home Country, but not visiting the United States.
  • Coverage Length: Min 5 days up to max 365 days.
  • Renew Online: If a minimum of 45 days is purchased, the policy term may be renewed with uninterrupted coverage for up to 24 consecutive months.
  • Acute Onset of Pre-existing Condition: Up to age 65 : Up to first $20,000 of Covered Expenses ;Age (65 to 99)Up to first $10,000 of Covered Expenses.
  • Co-Insurance: After deductible is paid by insured, plan pays 100% up to policy maximum.
  • PPO Network: Provides First Health PPO Network.
  • ID Card & Visa Letter comes in email instantly.

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Age and Policy Maximum

Age(0-69):$50,000,$100,000,$250,000,$500,000,$1000,000

Age(70-79):$50,000,$100,000

Age(80-99):$50,000

Doctor Visit

Up to Policy Maximum

Urgent Care

Up to Policy Maximum

Hospital Room and Board

The average semi private room rate

Ambulance

Up to Policy Maximum

Prescription

Up to Policy Maximum

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"Pre-Existing Condition” means any injury, illness, sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. This specifically includes but is not limited to any medical condition, Sickness, Injury , Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36 month period immediately preceding the Effective Date of Coverage under this Certificate. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset.

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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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  • suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane.
  • 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.
  • any dental treatment (except as provided by the for Dental Treatment for Injury and Emergency alleviation of pain).
  • 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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Renewal Procedures

A renewal notice will be emailed before the Policy Period ends or you can go online to Trawick International Website and renew prior to your termination date. You are subject to the following rules at renewal: Coverage may be renewed if it is initially purchased for a minimum of 45 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 month’s 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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100% refund for policies cancelled prior to the effective date; partial refund for policies cancelled after the effective date. All cancellations must be submitted in writing and are based on the date received

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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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