Safe Travels Single Trip

Detail

COVERAGE HIGHLIGHTS

TRIP CANCELLATION

We will reimburse you, up to the maximum benefit shown on the confirmation, for the cost of your airline ticket, the reissue fee charged by the airline for the tickets or your non-refundable airfare cancellation charges for flights joining or departing your Land/Sea Arrangements if cancellation occurs before your scheduled departure date due to unforeseen circumstances such as illness, injury, death, Strike, Terrorist Attack, security breach at the airport or weather.

TRIP INTERRUPTION

We will reimburse you, up to the maximum benefit shown on the confirmation of coverage if you or your traveling companion, booked to travel with you, are prevented from continuing or resuming your trip due to unforeseen circumstances such as sickness, accidental injury, death, Strike, Terrorist Attack, mandatory evacuation or weather.

TRIP DELAY

We will reimburse you, up to the Plan maximum for covered additional expenses on a one-time basis, if you are delayed for 12 or more hours, while in route to or from your trip due to a defined hazard such as delay of Common Carrier, traffic accident, weather, lost or stolen passports, travel documents or money, Quarantine, hijacking, unannounced Strike, natural disaster, civil commotion or riot.

BAGGAGE DELAY

We will reimburse you, up to the Plan maximum for the expense of replacing necessary personal effects if your checked baggage is delayed or misdirected by a Common Carrier for more than 12 hours while on your trip.

BAGGAGE/PERSONAL EFFECTS

We will reimburse you, up to the Plan maximum for the loss, theft or damage to baggage and personal effects while checked with a Common Carrier during your trip.

EMERGENCY EVACUATION & REPATRIATION OF REMAINS

We will pay, up to the Plan maximum any reasonable charges for Emergency Medical Evacuation required by a Physician, for a covered injury or sickness, to the closest adequate medical facility using the most direct and economical conveyance and route possible. All evacuations must be arranged and authorized by the Assistance Company.

MISSED CONNECTION

We will reimburse you, up to the Maximum Benefit shown on the Confirmation of Coverage, if you miss your cruise or tour departure, scheduled during your Trip, that results from cancellation or delay, for three (3) or more hours, of all regularly scheduled airline flights due to Inclement Weather. Coverage is secondary to any compensation provided by a Common Carrier.

EMERGENCY ACCIDENT & SICKNESS EXPENSE

We will pay or reimburse benefits up to the Maximum Benefit shown on the Confirmation of Coverage, if you incur Covered Medical Expenses because of Emergency Treatment of a Sickness that first manifests itself during the Trip. Emergency Treatment means necessary medical treatment that must be performed during the Trip due to the serious and acute nature of the Sickness.

UPGRADED FLIGHT ACCIDENT BENEFITS

We will pay benefits equal to the additional amount purchased for accidental death or dismemberment when the Insured dies or is injured due to a covered air travel event. Losses must occur within 180 days from the date of the accident.

OPTIONAL COLLISON DAMAGE WAIVER

We will reimburse you for the cost of repairs, rental charges and/or actual cash value of the car if you rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within your control while in your possession.

Benefits

Schedule of Benefits

Trip Cancellation*	Trip Cost: Up to a Maximum of $30,000. Maximum Trip Length 90 Days
Trip Interruption	150% of Trip Cost Limit
Trip Delay	Minimum Delay 12 hours; Maximum Limit $600 ($200 per day)
Missed Connection (Cruise and Tour Departures)	Minimum Delay 3 hours; Maximum Limit $500
Emergency Accident & Sickness Medical Expense	$75,000
Medical Evacuation / Repatriation	$350,000
Lost Baggage / Personal Effects	Maximum $1,000
Baggage Delay (12 hours – Outward Journey)	Minimum Delay 12 hours; Maximum Limit $200
24-Hour AD&D	$10,000
Common Carrier AD&D	$25,000
Travel Assistance Services	Included
Optional: Flight Accident Per Trip	$100,000, $250,000, or $500,000
Optional: Collision Damage Waiver	$35,000

This is a Summary of Benefits. Full coverage details, terms and conditions can be found in the Policy/Certificate of Coverage and Confirmation of Coverage. Not all coverages are available in all states.

*Note: If the Insured purchases the $0 category- there is no Trip Cancellation. Trip Interruption only covers return air up to $1,000 per Person. All other benefits apply.

Acute Pre-Ex Coverage

PRE-EXISTING MEDICAL CONDITION EXCLUSION WAIVER

The 60 day Pre-Existing Conditions Exclusion found in this Plan is waived if coverage is purchased within 10 days of your initial payment/deposit of your airline ticket, purchase coverage for the full amount of your trip and you are medically able to travel on your effective date.

Exclusion

The following exclusions apply to Trip Cancellation, Trip Interruption, Trip Delay, Missed Connection, Accidental Death & Dismemberment, Accidental Death & Dismemberment – Common Carrier, Flight Accidental Death & Dismemberment, Emergency Sickness Medical Expense, Emergency Accident Medical Expense, Emergency Evacuation, Repatriation of Remains and Collision Damage Waiver:

Loss caused by or resulting from:

Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains);
suicide, attempted suicide or any intentionally self-inflicted injury while sane or insane (unless results in the death of a non-traveling Family Member);
intentionally self-inflicted injuries;
war, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;
participation in any military maneuver or training exercise or any Loss starting while You are in the service of the armed forces of any country. Orders to active military service for training purposes of two months or less will not constitute service in the armed forces;
piloting or learning to pilot or acting as a member of the crew of any aircraft;
mental or emotional disorders, unless Hospitalized;
participation as a professional in athletics;
participation in underwater activities (does not include recreational swimming);
being under the influence of drugs or intoxicants, unless prescribed and used in accordance with the instructions provided by a Physician, unless results in the death of a non-traveling Family Member;
commission or the attempt to commit a dishonest, fraudulent or criminal act;
participating in Bodily Contact Sports (football, wrestling, ice hockey, rugby, lacrosse, boxing, full contact karate, hurling and rodeo); skydiving; hang-gliding; Parachuting; Mountaineering; any race; bungee cord jumping; speed contest (speed contest shall not include any of the regatta races;) scuba diving unless accompanied by a dive master or if the depth exceeds fifty (50) feet; or deep sea diving; spelunking or caving; heliskiing; extreme skiing; Extreme Sports;
dental treatment except as a result of an injury to Sound Natural Teeth within twelve (12) months of the injury;
any non-emergency treatment or surgery, routine physical examinations, hearing aids, eye glasses or contact lenses;
pregnancy and childbirth (except for complications of pregnancy);except if Hospitalized;
curtailment or delayed return for other than covered reasons;
traveling for the purpose of securing medical treatment;
services not shown as covered;
directly or indirectly, the actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release or exposure to any hazardous biological, chemical, nuclear radioactive material, gas, matter or contamination;
confinement or treatment in a government Hospital; however the United States government may recover or collect benefits under certain conditions;
care or treatment that is not Medically Necessary;
care or treatment for which compensation is payable under Worker’s Compensation Law, any Occupational Disease law; the 4800 Time Benefit plan or similar legislation;
care or treatment that is payable under any Other Insurance policy;
Accidental Injury or Sickness when traveling against the advice of a Physician;
cosmetic surgery except for: reconstructive surgery incidental to or following surgery for trauma, or infection or other covered disease of the part of the body reconstructed, or to treat a congenital malformation of a child.

The following exclusions apply to Baggage/Personal Effects and Baggage Delay:

The Company will not provide benefits for any Loss or damage to:

animals;
automobiles and automobile equipment;
boats or other vehicles or conveyances;
trailers;
motors;
motorcycles;
aircraft;
bicycles (except when checked as baggage with a Common Carrier);
household effects and furnishing;
antiques and collector’s items;
eyeglasses, sunglasses or contact lenses;
artificial teeth and dental bridges;
hearing aids;
artificial limbs and other prosthetic devices;
prescribed medications;
keys, cash, stamps, securities and documents;
tickets;
credit cards;
professional or occupational equipment or property, whether or not electronic business equipment;
personal computers, cell phones, computer hardware or software;
sporting equipment if loss or damage results from the use thereof.
musical instruments;
retainers and orthodontic devices.

Any Loss caused by or resulting from the following is excluded:

breakage of brittle or fragile articles;
wear and tear or gradual deterioration;
insects or vermin;
inherent vice or damage while the article is actually being worked upon or processed;
confiscation or expropriation by order of any government;
war or any act of war whether declared or not;
theft or pilferage while left unattended in any vehicle;
mysterious disappearance;
property illegally acquired, kept, stored or transported;
insurrection or rebellion;
imprudent action or omission;
property shipped as freight or shipped prior to the Scheduled Departure Date.

The following exclusions apply to Collision Damage Waiver:

Any obligation You assume under any agreement (except insurance collision Deductible);
Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
Any Loss that occurs if You are in violation of the rental agreement;
Failure to report the Loss to the proper local authorities and the rental car company;
Damage to any other vehicle, structure or person as a result of a covered Loss.

Cancel

You may cancel this Policy by giving Trawick International written notice of cancellation on the earlier of: (a) 10 days from the date your policy is purchased; or (b) prior to your scheduled departure date. If you do this, We will refund your premium paid provided you have not filed a claim under this Policy.

Claim

Offline Form

Scenario	Coverage Under Full Pre-Existing Plan
My father had a heart attack a few years ago. After his travel to the US, he started experiencing heart pain. I took him to the cardiologist. Is this covered?	Yes. Cardiologist visits are covered underneath a Full Pre-Existing coverage plan.
My mother-in-law has been experiencing heart pain for last few days, and had a heart attack on the last day. Is this covered?	Yes. Under a Full Pre-Existing Plan, there is not time limitation between symptoms and seeking care.
My uncle had cancer a few years ago. He is on a Green Card and has been living in the US. Recently, the cancer has come back. Is this covered?	Yes. Chemotherapy & Radiation treatment are covered under this plan. One note- the recurring cancer diagnosis must occur after the effective date.
My cousin had a back injury a few years back. He recently starting feeling back pain and went to seek the advise of a Chiropractor & get physical therapy. Is this covered?	Yes. Chiropractic care & physical therapy regarding pre-existing conditions are covered underneath full pre-existing plans.
My aunt had a sudden heart attack. After staying a few days in the hospital, she needs prescription drugs, follow up blood tests, and doctors visits. Are these covered?	Yes. Any sudden medical event, along with any follow up visits, i.e. blood tests, x-rays, EKG, etc., will be covered by full pre-existing plans.
My mother is diabetic. She was prescribed medication but often forgets to take it often. She experienced a diabetic shock and needed to visit the emergency room. Will this emergency visit be covered?	Yes. Our plans cover you no matter whether your visitor was taking their prescribed medication or not. Full pre-existing plans will cover no matter what happens.

Scenario	Coverage Under INF Acute Onset Plan
My father had a heart attack a few years ago. After his travel to the US, he started experiencing heart pain. I took him immediately to the emergency room. Is this covered?	Yes. Cardiologist visits are covered underneath a Full Pre-Existing coverage plan.
My mother-in-law had a sudden drop in blood sugar. I took her to the Urgent Care clinic. Is this covered?	Yes, as long as you seek medical attention within 12 hours you are covered.
My uncle was playing a game of cricket in the neighborhood and started to experience chest pain. He was hospitalized for 3 days and required several blood tests, and heart scans. Will this be covered?	Yes. Our plans will cover any sudden recurrence caused by a pre-existing conditions. Our plans have no pre-authorization, meaning the hospital can get the treatment your visitors needs faster.
My father-in-law had several kidney issues over the past few years. After several hours of pain, we took him to the hospital to have kidney stones removed. Is this covered?	Yes. As long as the treatment is sought within the first 12 hours of first exhibiting symptoms, any pre-existing condition will be covered. Our plans have no look back period for pre-existing conditions.
My cousin has diabetes. After a few days in the US, she contracted a Urinary Tract Infection which required hospitalization. Is this covered?	Yes. Under our plans, Urinary Tract Infections are considered new sicknesses and are covered by Acute Onset coverage plans.
My mother is a heart patient. She was prescribed medication but often forgets to take it often. She experienced a sudden heart attack and needed to visit the emergency room. Will this emergency visit be covered?	Yes, our plans cover any incident regardless if your visitor was taking their prescribed medication.