Safe Travels USA Cost Saver

Detail

Applicant Eligibility	Non-US citizens who reside outside the USA and are traveling outside of Their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. Policy is not available to green card holders in the USA. Policy is not available to anyone age 90 or above. Policy is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date. We maintain Our right to investigate to verify that the eligibility requirements have been met. If and whenever We discover that the eligibility requirements have not been met, Our only obligation is refund of premium.
Minimum Age	Individual at least fourteen (14) days old
Minimum Age	Individual up to age 89 years.
Period of Coverage	Minimum 5 days up to 364 days.
Destination Country	Traveling outside of Their Home Country and not traveling to the United States. Also excluding restricted countries given below.

Restricted Country Name	Geographical Restriction
Afghanistan	Destination & Home Country
Australia	Home Country
Belarus	Destination & Home Country
Cuba	Destination & Home Country
Democratic Republic of Congo	Destination & Home Country
Dominican Republic * may be added in July	Home Country
Ghana	Home Country
Haiti	Destination & Home Country
Indonesia	Destination
Iran (Islamic Republic of)	Destination & Home Country
Iraq	Destination & Home Country
Korea, Democratic People's Republic of	Destination & Home Country
Lebanon	Destination & Home Country
Liberia	Destination & Home Country
Libya	Destination & Home Country
Multiple Destinations excluding US	Destination & Home Country
Multiple Destinations including US	Home Country
Myanmar	Destination & Home Country
Nigeria	Home Country
Russian Federation	Destination & Home Country
Schengen Visa Countries	Home Country
South Sudan	Destination & Home Country
Sudan	Destination & Home Country
Syrian Arab Republic	Destination & Home Country
United States of America	Home Country
Yemen	Destination & Home Country

ELIGIBILITY

This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of Their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. This Policy is not available to anyone age 90 or above.

This Policy is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.

We maintain Our right to investigate to verify that the eligibility requirements have been met. If and whenever We discover that the eligibility requirements have not been met, Our only obligation is refund of premium.

BENEFIT PERIOD

While the Policy is in effect, we will pay eligible medical expenses for up to 180 days beginning on the first day of diagnosis or treatment of a covered Sickness or Injury; or
Upon termination of the Policy, provided the Covered Person remains outside their Home Country and has not traveled back to their Home Country, we will continue to pay eligible medical expenses; up to 2 days following your Termination Date; or for up to 180 days beginning on the first day of diagnosis or treatment of a covered Sickness or Injury; or up to the maximum as stated under the Policy Medical Maximum; whichever occurs first; or
Upon termination of the Policy, whereas the Covered Person returns to their Home Country the Benefit Period shall discontinue on the date of termination and the plan will no longer pay eligible medical expenses.

EFFECTIVE DATE

An eligible person will be insured on the latest of the following dates:

1. the Covered Person’s departure from Their Home Country; or

2. the date and time the Covered Person completed enrollment form and Their correct premium is received; or

3. the Effective Date requested and shown on the certificate.

TERMINATION DATE

The coverage provided with respect to the Covered Person shall terminate at 12:01 AM North American Central Time on the earliest of the following dates:

1. The day after the Termination Date shown on the insurance confirmation card, for which the premium is paid; or

2. The date the Covered Person returns to Their Home Country, except as provided under Return to Home Country Benefit, if eligible; or

3. Three hundred and sixty-four (364) days after the Covered Person's original effective date; or

4. The date the Covered Person becomes a United States citizen; or

5. The date the Covered Person is no longer eligible for this plan.

EXCESS INSURANCE:

The coverage provided in this plan shall be in excess of all other valid and collectable insurance or indemnity and shall apply only when such other benefits are exhausted. In the event no other insurance exists this coverage becomes primary. The Insurance Company reserves the right to review and potentially subrogate with any undeclared coverage whether known or unknown to the Covered Person.

Benefit

SCHEDULE OF BENEFITS

POLICY MAXIMUM BENEFITS

MEDICAL MAXIMUM PER POLICY PERIOD	$50,000, $100,000, $250,000, $500,000, $1,000,000
DEDUCTIBLE PER POLICY PERIOD	$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
CO-INSURANCE PER POLICY PERIOD	80% of the first $5,000 then 100% up to the Policy Maximum
URGENT CARE CO-PAY	$30 per Incident If the $0 deductible is chosen, there is no Co-Pay
MEDICAL EXPENSE BENEFIT
COVERED TREATMENT OR SERVICE	MAXIMUM BENEFIT
HOSPITAL ROOM AND BOARD EXPENSES	The average semi-private room rate
EMERGENCY ROOM ILLNESS WITH NO DIRECT HOSPITAL ADMISSION	$200 Additional deductible per visit – Only applies when receiving care in an Emergency Room for an Illness that does result in a hospital admittance
EMERGENCY ROOM INJURY/ACCIDENT OR ILLNESS WITH DIRECT HOSPITAL ADMISSION	UCC to the selected Policy Maximum
ANCILLARY HOSPITAL EXPENSES	Covered
ICU ROOM AND BOARD CHARGES	3 times the average semi-private room rate
PHYSICIAN’S NON-SURGICAL VISITS	Covered
PHYSICIAN’S SURGICAL EXPENSES	Covered
ASSISTANT PHYSICIAN’S SURGICAL EXPENSES	Covered
ANESTHESIOLOGIST EXPENSE	Covered
OUTPATIENT MEDICAL EXPENSES	Covered
PHYSIOTHERAPY/PHYSICAL MEDICINE/ CHIROPRACTIC EXPENSES	Limited to $50 per visit, one visit per day and 10 visits per Policy Period
DENTAL TREATMENT FOR INJURY, FOR PAIN TO SOUND NATURAL TEETH	$250 per Policy Period
X-RAY	Covered
PHYSICIANS VISITS	Covered
PRESCRIPTION DRUGS	Covered
EMERGENCY MEDICAL TREATMENT OF PREGNANCY	$1,000 per Policy Period
MENTAL OR NERVOUS DISORDER	$2,500 per Policy Period
CARDIAC CONDITIONS	up to $25,000 per Policy Period for ages up to 69 or $15,000 per Policy Period for ages 69 and over
COVID-19, SARS-CoV-2 CONDITIONS	Not Covered
ADDITIONAL MEDICAL EXPENSE BENEFITS
COVERED TREATMENT OR SERVICE	MAXIMUM BENEFIT
UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION	$1,000 per Policy Period
WELL DOCTOR VISIT	Upto $125 One per Policy Period
TRANSPORTATION EXPENSES
COVERED TREATMENT OR SERVICE	MAXIMUM BENEFIT
AMBULANCE SERVICE BENEFITS	Covered
EMERGENCY MEDICAL EVACUATION*	100% up to $2,000,000 per Policy Period
MEDICALLY NECESSARY REPATRIATION*	100% up to $15,000 per Policy Period
POLITICAL EVACUATION*	$25,000 per Policy Period
NATURAL DISASTERS EVACUATION*	$10,000 per Policy Period Up to $250 per day to a max of 5 days for Reasonable Expenses
EMERGENCY REUNION*	$15,000 per Policy Period
RETURN OF MINOR CHILDREN OR GRAND-CHILDREN OR TRAVELING COMPANION*	$5,000 per Policy Period
REPATRIATION OF MORTAL REMAINS*	100% up to $50,000 per Policy Period
LOCAL BURIAL / CREMATION*	$5,000 per Policy Period
ADDITONAL BENEFITS
COVERED TREATMENT OR SERVICE	MAXIMUM BENEFIT
HOSPTIAL CONFINEMENT*	$50 per night up to a maximum of $500 per Policy Period
ACCIDENTAL DEATH & DISMEMBERMENT - 24 Hour * Seatbelt and Airbag Benefit:	Insured: $25,000 Principal Sum Spouse / Domestic Partner: $25,000 Principal Sum Dependent Child: $10,000 Principal Sum $5,000 Principal Sum
ACCIDENTAL DEATH & DISMEMBERMENT - FELONIOUS ASSAULT & VIOLENT CRIME*	$50,000 Principal Sum
COMA BENEFIT*	$10,000
ADAPTIVE HOME AND VEHICLE*	$5,000
LOST BAGGAGE*	$1,000 per Policy Period
TRIP INTERRUPTION*	$5,000 per Policy Period
ADDITONAL SERVICES
SERVICE DESCRIPTION	SERVICE DESCRIPTION
**Telemedicine	https://trawickinternational.com/telemedicine
**Travel Assistance	Included

*Not subject to Deductible
** This is a non-insurance service and is not a part of the insurance underwritten by Crum & Forster, SPC.
POLICY TERMS AND CONDITIONS
All benefits payable are subject to the Maximum Benefit Limits, and any applicable sub-limits, listed in the Schedule of Benefits.

MEDICAL EXPENSE BENEFIT
If a covered Sickness or Injury occurs during the Policy Period, and the Covered Person requires medical or surgical treatment, benefits are payable for the following covered expenses that are incurred during the
Benefit Period. The first covered expenses must be incurred within 90 days after the date of the covered Sickness or Injury. No benefits will be paid for any expenses incurred which are in excess of usual and customary charges.
1.    Hospital Room and Board Expenses: the average daily rate for a semi-private room when a Covered Person is Hospital Confined, and general nursing care is provided and charged for by the Hospital. In computing the number of days payable under this benefit, the date of admission will be counted but not the date of discharge. All charges in excess of the allowable semiprivate rate are the responsibility of the Covered Person.
2.    Hospital Emergency Room Visits: Emergency Room Visit for an Illness with no direct Hospital Admittance will be subject to an additional Deductible as outlined in the schedule of benefits.
3.    Ancillary Hospital Expenses: Services and supplies as Medically Necessary and approved and covered by the Policy including meals and special diets (only for the Covered Person), use of operating room and related facilities, use of intensive care and related services to include x-ray (including reading charges) , laboratory and other diagnostic tests, drugs, medications, biological anesthesia and oxygen services, and administration of blood products. This does not include personal services of a non-medical nature.
4.    Intensive Care Unit Expenses: Room and Board: 3 times the average semiprivate room rate when a Covered Person is Hospital Confined in a bed in the Intensive Care Unit and nursing services other than private duty nursing services.
5.    Physician non-surgical treatment and examination expenses including the Physician’s initial visit, each Medically Necessary follow-up visit and consultation visits when referred by the attending Physician.
6.    Physician’s Surgical Expenses.
7.    Assistant Physician Surgical Expenses when Medically Necessary.
8.    Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure on an outpatient basis.
9.    Outpatient Medical Expenses.
10.    Physician Visits.
11.    Physiotherapy Physical Medicine/Chiropractic Expenses on an Inpatient or outpatient basis including treatment and office visits connected with such treatment when prescribed by a Physician, including diathermy, ultrasonic, whirlpool, heat treatments, adjustments, manipulation, or any form of physical therapy.
12.    X-rays.
13.    Emergency dental treatment and restoration of sound natural teeth, including x-rays, required as a result of an Accident or to relieve pain.
14.    Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Physician.
15.    Emergency medical treatment of pregnancy.
16.    Mental or nervous disorders: Benefits are provided for psychotherapeutic treatment and psychiatric counseling and treatment for an approved psychiatric diagnosis. A Physician or a licensed clinical psychologist must provide all mental health care services. Services of a clinical psychologist must be rendered in the provider's office or in the outpatient department of a Hospital. Services Include treatment for Bulimia; Anorexia; Non-medical causes of insomnia. The following services are excluded: Aptitude testing, educational testing and services; Services for conditions not determined by Us as to be emotional or personality Sicknesses; Psychiatric services extending beyond the period necessary for evaluation and Diagnosis of mental deficiency or retardation; Services for mental disorders or Sickness which are not amenable to favorable modification; Bereavement; Family counseling of any kind; Marriage counseling of any kind.
17.    Treatment for Cardiac Conditions up to the maximum as stated in the Schedule of Benefits.

ADDITIONAL MEDICAL EXPENSE BENEFITS
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.

WELL DOCTOR VISIT
Benefits will be payable for a Well Doctor Visit per person during the Policy Period. The Covered Person may use any Physician. Telemedicine is not eligible. To be covered:
1.    the visit must occur within the first 21 days from the effective date of coverage: and
2.    the Covered Person must purchase at least 30 days of coverage initially; and
3.    the Physician must use specific ICD10 codes for the Well Visit which are the following three Diagnosis Codes only a) V70.0-Routine medical exam; b) Z00.00-Encounter for general adult medical examination without abnormal findings c) Z00.129-Encounter for routine child health examination without abnormal findings. Visits with ICD10 Codes not listed here are not considered Well Doctor Visits and are not covered as such but may be covered under another Policy benefit. Please register for this benefit with the Plan Administrator.
Visits with ICD10 Codes not listed here are not considered Well Doctor Visits and are not covered as such but may be covered under another Policy benefit. Please register for this benefit at https://trawickinternational.com/wellness/register.

TRANSPORTATION BENEFITS
AMBULANCE SERVICE BENEFITS
Ambulance Service Benefits are provided for medically necessary emergency ground or air ambulance transportation as required from the emergency site to the nearest Hospital able to provide the required level of care.

EMERGENCY MEDICAL EVACUATION
Benefits are payable if a Covered Person suffers a Sickness or Injury during the course of the Trip and the Hospital or Medical Facility they are at, in the opinion of the Assistance Provider, is unable to provide appropriate medical treatment, the Assistance Provider will coordinate an Emergency Medical Evacuation from the Hospital or Medical Facility where the Covered Person is at to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained An Emergency Medical Evacuation includes
Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation.
Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Benefits will not be payable unless: 1. the Physician ordering the Emergency Medical Evacuation certifies the severity of the Covered Person’s Sickness or Injury requires an Emergency Medical Evacuation; 2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible; 3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and 4. do not include charges that would not have been made if there were no insurance.

MEDICALLY NECESSARY REPATRATION
If You have been evacuated under the Emergency Medical Evacuation, or You are Hospitalized due to an Injury or a sudden and unexpected Sickness and it is determined by Your attending Physician and the Assistance Provider’s Physician that You need to be medically repatriated back to a Hospital or medical facility in Your Country to recover, the Assistance Provider will coordinate a medical transfer, by any means necessary, to a Hospital or medical facility near Your home once your condition has reached maximum medical improvement.

Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance. Benefits will not be payable unless: 1. the Physician ordering the Medically Necessary Repatriation certifies Your Sickness or Injury has reached maximum medical improvement; 2. all transportation arrangements made for the Medically Necessary Repatriation are by the most direct and economical conveyance and route possible; 3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and 4. do not include charges that would not have been made if there were no insurance.

POLITICAL EVACUATION
Benefits are payable for the Covered Person’s extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. The Occurrence must take place while coverage is in effect, and while the Covered Person is traveling outside of Their Home Country. Benefits will be paid for Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure the Covered Person’s safety and well- being as determined by the Designated Security Consultant. Benefits will not be payable unless We (or Our authorized Assistance Provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by the Assistance Provider. The Assistance Provider is not responsible for the availability of transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with the Covered Person until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that the Covered Person was an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related Costs from the Covered Person. Benefits will be payable for evacuation during a period of civil unrest, insurrection or natural disasters that could not have been foreseen prior to the Covered Person’s departure from Their Home Country of origin.

NATURAL DISASTER EVACUATION
Benefits are payable for the Covered Person’s extrication due to a Natural Disaster Evacuation that results in You being placed in imminent physical danger. Natural Disaster Event results in such severe and widespread damage that the area of damage is officially declared a disaster area by the appropriate local government authorities of the Host Country, and the area is deemed to be Uninhabitable or dangerous.
We will pay, up to the Maximum Benefit Amount shown in the Schedule of Benefits, to transport You to the Nearest Place of Safety necessary to ensure Yours safety and well-being as determined by Us or Our designated Assistance Provider. We will also pay reasonable expenses incurred at the place of safety for lodging and meals, up to the Amount shown in the Schedule of Benefits, if you have been evacuated by the Assistance Provider. The Natural Disaster Evacuation must occur within 2 days of the Natural Disaster Event, and the arrangements will be by the most appropriate and by most efficient, practical and economical means available and consistent with Your health and safety.

EMERGENCY REUNION
Benefits are payable for the cost of one economy airfare ticket and other local travel related expenses including the reasonable expenses incurred for lodging and meals of a Covered Person’s Immediate Family Member for a period of up to 10 days, to join the Covered Person at the Hospital where the Covered Person is confined and to accompany the Covered Person back to their Home Country, if needed, provided: 1. the Emergency Medical Evacuation Benefit is payable under the Policy; 2. the Covered Person is alone outside of Their Home Country; 3. the place of confinement is more than 100 miles from the Covered Person’s Home Country; and 4. expenses were authorized in advance by the Company.

RETURN OF MINOR CHILDREN OR TRAVELING COMPANION
If the Covered Person is the only person traveling with minor Dependent children who are under the age of 21, or with a Travel Companion, and the Covered Person suffers a Sickness or Injury and must be Hospital Confined for at least 48 consecutive hours, or are medically evacuated to another location, benefits are payable for the cost of the Dependent or Travel Companion’s one way economy airfare ticket and/or ground transportation ticket to Their Home Country. All transportation arrangements must be made by the most direct and economical route and conveyance possible and may not exceed the usual level of charges for similar transportation in the locality where the expense is incurred. Benefits will not be paid unless all expenses are approved in advance by Us, and services are rendered by the Assistance Provider.

REPATRIATION OF MORTAL REMAINS
Benefits are payable for preparation and return of a Covered Person’s body to Their Home Country if they die due to a Sickness or Injury. Covered Expenses include Expenses for embalming or cremation; The least costly coffin or receptacle adequate for transporting the remains; Transporting the remains by the most direct and least costly conveyance and route possible. Expenses must be approved in advance and coordinated by the Assistance Provider. This benefit excludes fees for return of personal effects, religious or secular memorial services, clergymen, flowers, music, announcements, guest expenses and similar personal burial preferences.

LOCAL BURIAL / CREMATION
Benefits are payable for preparation, local burial or cremation of the Covered Person's mortal remains at the country of death in accordance with the commonly accepted cultural and religious beliefs practiced by the
Covered Person. Coverage is not provided for burial and cremation costs incurred for: religious practitioner, flowers, music, food or beverages. If the Local Cremation or Burial is chosen, the Return of Mortal Remains benefit will not apply. Expenses must be approved in advance by the Assistance Provider. Failure to utilize the Assistance Provider to approve these services will result in the denial of benefits.

ADDITIONAL BENEFITS
HOSPITAL CONFINEMENT
Benefits are payable, if the Covered Person is confined to a Hospital provided 1. The Hospital stay is the direct result, from no other causes, of Injuries sustained in a Covered Accident or Sickness that occurs while the Policy is in effect; and 2. The Hospital stay begins within 3 days of a Covered Accident or Sickness and lasts for at least 3 days. The benefit will be paid retroactive to the first day of the Hospital stay. Benefit payments will end on the first of the following: 1. The date the Hospital Stay ends; 2. The date the Covered Person dies; 3. The 10th day of hospitalization; or 4. The date the coverage terminates.

ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) – 24 Hour
Accidental Death and Dismemberment will apply to Covered Accidents incurred by a Covered Person. If Injury to the Covered Person results in any one of the losses shown below within 365 days from date of the Covered Accident, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Covered Accident.

COVERED LOSS	BENEFIT AMOUNT
Loss of Life	100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye	100% of Principal Sum
Quadriplegia	100% of Principal Sum
Paraplegia	75% of Principal Sum
Hemiplegia	75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each)	50% of Principal Sum
Uniplegia	25% of Principal Sum
Loss of Thumb and Index Finger of the same hand	25% of Principal Sum

Exposure and Disappearance Benefit – Benefits are payable if a Covered Person is exposed to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which They were traveling. The Covered Person is presumed dead if They are in a vehicle that disappears, sinks or is stranded or wrecked and Their body is not found within six (6) months of the Covered Accident.
If a Covered Person is Injured while wearing a seatbelt and operating or riding as a passenger in an Automobile resulting in any one of the losses shown above within 365 days from the date of the Covered Accident, we will pay benefits as outlined in the Schedule of Benefits.
FELONIOUS ASSAULT ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
We will pay the Benefit Amount for felonious assault, if Accidental Bodily Injury that results from felonious assault causes a Covered Person to suffer one of the losses shown below within 365 days from the felonious assault. The Benefit Amount for felonious assault is payable in addition to any other applicable Benefit Amounts under this Policy. Any assault by a family member is not covered under this benefit.

COVERED LOSS	BENEFIT AMOUNT
Loss of Life	100% of Principal Sum
Loss of Hands (Both), Loss of Feet (Both), or Loss of Sight of One Eye	100% of Principal Sum
Quadriplegia	100% of Principal Sum
Paraplegia	75% of Principal Sum
Hemiplegia	75% of Principal Sum
Loss of Hand, Loss of Foot or Loss of Sight of One Eye (any one of each)	50% of Principal Sum
Uniplegia	25% of Principal Sum
Loss of Thumb and Index Finger of the same hand	25% of Principal Sum

COMA BENEFIT
Benefits are payable if the Covered Person becomes comatose within 31 days of a Sickness or Injury and remain in a coma for at least 31 days.

ADAPTIVE HOME AND VEHICLE
Benefits are payable if the Covered Person has an Injury which results in a Covered Loss under the Accidental Death and Dismemberment Benefit, We will pay an additional benefit equal to the least of the actual cost of the alterations for the one-time cost of alterations to the Covered Person’s principal residence and/or private Automobile to make the residence accessible and/or the private Automobile drivable or rideable.

LOST BAGGAGE
Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article. Benefits are payable if a Covered Person’s luggage is checked onto a Common Carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. The Covered Person must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid the Covered Person its normal reimbursement for the lost, stolen or damaged luggage.

TRIP INTERRUPTION
Benefits are payable for reimbursement of the cost of a one-way economy air and/or ground transportation ticket if the Covered Person’s Trip is interrupted as the result of 1. the death of an Immediate Family Member; or 2. the Covered Person’s unforeseen Sickness or Injury or, the Sickness or Injury of a Traveling Companion or Immediate Family Member. The Sickness or Injury must be so disabling as to reasonably cause a Trip to be interrupted; or 3. substantial destruction of the Covered Person’s principal residence by fire or weather related activity; or 4. a Medically Necessary covered Emergency Medical Evacuation to return the Covered Person to Their Home Country or to the area from which They were initially evacuated for continued treatment, recuperation and recovery.

Exclusion

We will not pay for any Accidental Death and Dismemberment or Paralysis loss or Injury that is caused by, contributed by or that results from:

1.    intentionally self-inflicted Injury.
2.    suicide or any attempt thereat while sane or self-destruction or any attempt thereat while insane.
3.    war or any act of war, whether declared or not.
4.    service in the military, naval or air service of any country.
5.    disease or bacterial infection except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food.
6.    hernia of any kind.
7.    piloting or serving as a crewmember or riding in any aircraft except as a passenger on a regularly scheduled or charter airline.
8.    commission of, or attempt to commit, a felony.
9.    Injury or Sickness that occurs while the Covered Person has been determined to be legally intoxicated as determined according to the laws of the jurisdiction in which the Injury or Sickness occurred, or under the influence of any narcotic, barbiturate, or hallucinatory drug, unless administered by a Doctor and taken in accordance with the prescribed dosage.
10.    flying in any aircraft being used for or in connection with acrobatic or stunt flying, racing or endurance tests; flying in any rocket propelled aircraft; flying in any aircraft being used for or in connection with crop dusting, or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting bird or fowl herding, aerial photography, banner towing or any test or experimental purpose; flying any aircraft which is engaged in flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even if granted.
11.    specific named hazards: Abseiling, Aviation (except when traveling as a passenger in a commercial aircraft), BASE Jumping, Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Luge, Motocross, Motorcycling, MotoX, Mountaineering, Mountain biking, Mountain Climbing, Paragliding, Parasailing, Parascending, Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Scuba Diving, Ski Jumping, Skydiving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking, Water Skiing, Wind Surfing, White Water Rafting, Zip Lining, Zorbing.
12.    All professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sports.
13.    Extreme Sports.

In addition to the Exclusions above, We will not pay Medical Expense Benefits, Transportation Expenses or Additional Benefits for any loss, treatment or services that is caused by, contributed by or that results from:
1.    Pre-Existing Conditions, as defined.
2.    chronic or recurrent Illnesses.
3.    declared or undeclared war or any act thereof.
4.    services, supplies or treatment, including any period of Hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a Physician.
5.    payment for any subsequent medical services incurred for an Illness or Injury of the Covered Person leaving a medical facility against the medical advice of the attending Physician will not be covered for 90 days following the date the Covered Person left against medical advice of the Physician.
6.    Injury sustained while participating in a professional, semi-professional, amateur, club, intramural, interscholastic or intercollegiate sport.
7.    Sickness resulting from pregnancy (except as provided by Emergency Medical Treatment of Pregnancy).
8.    miscarriage resulting from Accident (except as provided by Emergency Medical Treatment of Pregnancy).
9.    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.
10.    cosmetic or plastic surgery, except as the result of an accident.
11.    elective treatment, surgery, health treatment or examination that a) can be postponed until the Covered Person returns to his or her Home Country, b) is deemed by Us to be Experimental or Investigational, or c) are not recognized and generally accepted medical practices in the United States.
12.    any mental or nervous disorders or rest cures (except as provided in the Schedule by Mental or Nervous Disorders Charges).
13.    any dental treatment (except as provided for Dental Treatment for Injury and Emergency alleviation of pain).
14.    eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by accidental bodily Injury incurred while covered under the Policy.
15.    congenital anomalies and conditions arising out of or resulting therefrom.
16.    services, supplies, or treatment expenses which are non-medical in nature.
17.    the ordinary cost of a one-way airplane ticket used in the transportation back to the Covered Person’s
country where an air ambulance benefit is provided.
18.    expenses as a result of or in connection with an intentionally self-inflicted Injury.
19.    treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged through an employer to the extent so furnished or paid, or under any mandatory government program or facility set up for treatment without cost to any individual.
20.    childbirth, miscarriage, birth control, artificial insemination, treatment for fertility or impotency, sterilization or reversal thereof or abortion.
21.    organ transplants, marrow procedures and chemotherapy.
22.    any sexually transmitted or venereal disease; and/or any testing for the following: HIV, Vaccine induced seropositivity to the AIDS virus, AIDS related Illnesses, ARC Syndrome, AIDS.
23.    any treatment, service or supply not specifically covered by the Policy.
24.    treatment by any Family Member or member of the Covered Person’s household.
25.    treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis, osteomyelitis, congenital weakness
whether or not caused by a Covered Accident.
26.    expense incurred for treatment of temporomandibular or cranio-mandibular joint dysfunction and associated myofascial pain.
27.    contact lenses, hearing aids, wheelchairs, braces, appliances, examinations or prescriptions for them, or repair or replacement of existing artificial limbs, orthopedic braces, orthotic devices, artificial eyes and larynx.
28.    treatment or service provided by a private duty nurse or while confined primarily to receive custodial care, educational or rehabilitative care or nursing care.
29.    covered medical expenses for which the Covered Person would not be responsible for in the absence of the Policy.
30.    conditions that are not caused by a Covered Accident.
31.    vocational, recreational, speech or music therapy.
32.    traveling against the advice of a Physician, traveling while on a waiting list for inpatient Hospital or clinic treatment, or traveling for the purpose of obtaining medical treatment abroad.
33.    any potential fatal condition which was diagnosed before the date your coverage became effective or any condition for which You are traveling to seek treatment.
34.    expenses incurred in your Home Country except as provided: under Benefit Period.
35.    complications arising from or treatment of an Injury or Illness that is not covered under this Policy.
36.    any treatment for or complications arising from COVID-19, SARS-CoV-2 Illness.

We will not pay Political Evacuation benefits for expenses and fees:
1.    payable under any other provision of the Policy.
2.    that are recoverable through the Covered Person’s employer.
3.    arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by the Covered Person, acting alone or in collusion with other persons.
4.    arising from or attributable to an alleged:
a)    violation of the laws of country in which the Covered Person is traveling while covered under the Policy; or
b)    violation of the laws of the Covered Person’s Home County.
5.    due to the Covered Person’s failure to maintain and possess duly authorized and issued required travel
documents and visas.
6.    for repatriation of remains expenses.
7.    for common or endemic or epidemic diseases or global pandemic diseases as defined by the World Health Organization.
8.    for medical services.
9.    for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping.
10.    arising from or attributable, in whole or in part, to a) a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause; b) non- compliance by the Covered Person with regard to any obligation specified in a contract or license.
11.    due to military or political issues if the Covered Person’s Security Evacuation request is made more than 30 days after the Appropriate Authority(ies) Advisory was issued.

We will not pay Natural Disaster benefits for expenses and fees:
1.    If You do not evacuate an area due to a potential Natural Disaster, when evacuation notice (mandatory or voluntary) has been issued or posted by the local, state or country government of Your Home Country or the Host Country for a period of more than three (3) days prior to the Natural Disaster Event.
2.    The benefits and services described herein are provided to You only if authorized, arranged and coordinated by Us or Our designated Assistance Provider;
3.    We will not pay for any loss or expense recoverable under any other valid and collectible insurance or through an employer;
4.    We or Our designated Assistance Provider has sole discretion regarding the means, methods and timing of a Natural Disaster Evacuation. However, the decision to travel is Your sole responsibility;
5.    We are not responsible for the availability, timing, quality, results of, or failure to provide any service caused by conditions beyond Our control. This includes Our inability to provide You an evacuation or any additional services when United States of America law, local laws or regulatory agencies prohibit the rendering of such evacuation or service. We will not cover a Natural Disaster Evacuation from OFAC designated countries;
6.    the actual or threatened use or release of any nuclear, chemical or biological weapon or device, or
exposure to nuclear reaction or radiation, regardless of contributory cause;
7.    We will not pay for more than one (1) Natural Disaster Evacuation from a country or territory per Policy Period;
8.    We will not pay for any loss or expense arising from or attributable to a) fraudulent or criminal acts committed or attempted by You; b) alleged violation of the laws of the country You are visiting, unless We determine such allegations to be fraudulent; or c) failure to maintain required documents or visas;
9.    We will not pay any costs or expenses arising from

a) Natural Disaster Evacuation from Your Home Country.
b) Natural Disaster Evacuation when the Natural Disaster Event precedes Your arrival in the Host Country.

Acute Pre-Ex Coverage

Unexpected Recurrence of Pre-existing condition

COVERED TREATMENT OR SERVICE	MAXIMUM BENEFIT
UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION	$1,000 per Policy Period

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:

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;
occurs a minimum of 48 hours after the Effective Date of the Policy; and
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.

DEFINITIONS
“Acute Onset” means a sudden and unexpected outbreak or recurrence which occurs spontaneously and without advance warning.

PPO Network

Preferred Provider Organization (PPO) Network

If you are visiting the US and you have First Health Network logo on your ID Card:

Find a provider in the USA at www.firsthealthinternational.com

Please note

Click Start Now then choose the provider type and the zip code. You may need to contact a few to find an appointment right away.

Both Dental Providers and Pharmacies are Out of Network, and any Out of Network Deductible will apply to eligible claims.
Medical Providers may decide not to offer you an appointment for a sick visit. It may be better to find an Urgent Care Center, clinic at a drug store or use the telemedicine benefit in your plan to get an appointment right away.
Medical providers participate in various networks which is how a provider recognizes and accepts your insurance to bill the insurance company directly. If you mistakenly say “I am covered by Trawick International Insurance” your provider will not likely recognize the name and say they don't accept your insurance coverage. This does NOT mean that your insurance is not valid and it does NOT mean that insurance will not pay. It might mean that you have to pay for services and submit a claim to be reimbursed or continue the search for a provider.
For info on how/where to file a claim see Claim Information on the drop-down above. Some plans have different benefits if you use an In-Network provider versus one that is Out of Network. Please see your plan document for details.

ON CALL INTERNATIONAL 24/7 TRAVEL ASSISTANCE SERVICES

The Travel Assistance program features a variety of emergency travel-related services that include Medical Monitoring Medical and Hospital Admission Guarantee. Travel assistance services are provided by an independent organization and not by the Company. There may be times when circumstances beyond On Call’s control hinder their endeavors to provide travel assistance services. They will, however, make all reasonable efforts to provide travel assistance services and help you resolve your emergency situation.

TOLL FREE 833-425-5101 (within the United States and Canada)

COLLECT 603-952-2686 (From all other locations)

Click here for PPO Network

Renew

Renewal

OPTIONAL EXTENSION PROCEDURES
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;

at the premium rate in force at the time of the extension;
for a minimum of 5 days;
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.

AUTOMATIC EXTENDED COVERAGE
Coverage will be automatically extended:
1)   If Your scheduled return is delayed due to unavoidable circumstances beyond Your control. This extension of coverage will end on the earlier of the date You reach Your originally scheduled date to return or 5 days after the Termination Date.

2)   If You incur a covered Injury or Sickness on Your Trip and a treating Physician certifies that You are not Medically Fit to Travel to Your Home Country on Your Termination Date, the Medical Evacuation and Repatriation benefit will be automatically extended for 30 days or until You are Medically Fit to Travel and transported to Your Home Country or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is sooner.
3)   If You are Hospitalized due to a covered Injury or Sickness on Your Termination Date and a treating Physician certifies that You are not Medically Fit to Travel on Your Termination Date, this plan will be extended for an additional 30 days, or until You are released from the Hospital and Medically Fit to Travel, or You reached the Maximum Benefit Amount shown in the Schedule of Benefits, whichever is sooner.

Online Form

Cancel

CANCELLATION AND REFUND PROCEDURE PROVISIONS

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.

Claim

CLAIM PROCEDURES

CLAIMS ADMINISTRATOR
Surego Administrative Services on Behalf of Crum & Forster
PO Box 2069 Fairhope AL 36533
Click here to Submit Your Claim Online
For claim status or questions please call: Toll Free: 866-696-0409 Direct 251-928-0939
Email claims@mysurego.com

PLAN ADMINISTRATOR
Trawick International
PO Box 2284 Fairhope AL 36533
Toll Free: 888-301-9289 Direct: 251-661-0924
Email: info@trawickinternational.com

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.

Governing Jurisdiction: All claims arising under this insurance shall be governed by the Laws of Cayman Islands whose courts alone shall have jurisdiction in any dispute arising hereunder.

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 Policy 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 Policy Number. All claims must be submitted within 90 days from date of incident, or they will be denied. Circumstances may exist in which this is not always possible. Any submissions after 90 days will be considered based on those circumstances.

Claim Forms: Upon receiving written notice of claim, We will provide claim forms to the claimant within 15 days. If We do not furnish such claim forms, the claimant will satisfy the requirements of written proof of loss by sending the written (or authorized electronic or telephonic) proof as shown below. The proof must describe the occurrence, extent and nature of the loss and give authorization to release medical records.

Proof of Loss: Written (or authorized electronic or telephonic) proof of loss must be sent to the agent authorized to receive it. Written (or authorized electronic or telephonic) proof must be given within 90 days after the date of loss. In no event, except in the absence of legal capacity, will proof of loss be accepted if it sent later than 90 days from the time proof is otherwise required.
Additional information may be requested if it is deemed necessary to complete the processing of any claim. Any additional information deemed necessary for the complete processing of any claim must be received from the insured person or any treating physician, hospital, or other health service provider within ninety (90) days from the date requested, otherwise, the claim will be processed with the information received within this timeframe.

Proof of Eligibility: A claimant must provide Us or Our authorized representative with written proof of eligibility as outlined in this policy, at time of Claim. Proof of Eligibility is required prior to any payment of a Claim.

Claimant Cooperation Provision: Failure of a claimant to cooperate with Us in the administration of a claim may result in the delay or termination of a claim. Such cooperation includes, but is not limited to, providing any information or documents needed to determine whether benefits are payable or the actual benefit amount due.

Time Payment of Claims: Benefits for loss covered by the Policy, other than benefits that require periodic payment, will be paid not more than 60 days after We receive proper written proof of such loss.

Payment of Claims: If the Covered Person dies, any death benefits or other benefits unpaid at the time of the Covered Person’s death will be paid to the beneficiary. If no beneficiary is on record with Us or Our authorized agent, payment will be made to the first surviving class of the following to the Covered Person’s:
1. spouse; 2. children, in equal shares (If a child is a minor, benefits will be paid to the legal guardian); 3. mother or father; 4. estate. All other benefits due and not assigned will be paid to the Covered Person if living. Otherwise, the benefits may, at our option, be paid: 1. according to the beneficiary designation; or 2. to the Covered Person’s estate. If a benefit due is payable to: 1.the Covered Person’s estate; or 2. the Covered Person or a beneficiary who is either a minor or is not competent to give a valid release for the payment, We may pay any amount due to some other person. The other person will be one who we believe is entitled to the payment and who is related to the Covered Person or the beneficiary by blood or marriage. We will be relieved of further responsibility to the extent of any payment made in good faith. We may pay benefits directly to any Hospital or person rendering covered services unless the Covered Person requests otherwise in writing. The Covered Person must make the request no later than the time he or she files a written proof of loss.

Recovery of Overpayment or Error: If benefits are overpaid, or paid in error, We have the right to recover the amount overpaid, or paid in error, by any or all of the following methods: 1. a request for lump sum payment of the amount overpaid or paid in error. 2. Reduction of any proceeds payable under the Policy by the amount overpaid or paid in error. 3. Taking any other action available to Us. We may at Our own expense take proceedings in the name of the Covered Person to recover compensation or secure an indemnity from any third party in respect of any loss, damage or expense covered by this Insurance and any amount so recovered or secured shall belong to Us.

Assignment: At the request of the Covered Person or his or her parent or guardian, if the Covered Person is a minor, medical benefits may be paid to the provider of service. Any payment made in good faith will end our liability to the extent of the payment.
Beneficiary: The Insured may designate a beneficiary. The Insured has the right to change the beneficiary at any time by written (or electronic and telephonic) notice. If the Insured is a minor, his or her parent or guardian may exercise this right for him or her. The change will be effective when We or Our authorized agent receive it. When received, the effective date is the date the notice was signed. We are not liable for any payments made before the change was received. We cannot attest to the validity of a change. The Insured is the beneficiary for any covered Dependent.

Physical Examinations and Autopsy: We have the right to have a Physician of Our choice examine the Covered Person as often as is reasonably necessary. This section applies when a claim is pending or while benefits are being paid. We also have the right to request an autopsy in the case of death unless the law forbids it. We will pay the cost of the examination or autopsy.
Legal Actions: No lawsuit or action in equity can be brought to recover on the Policy: 1. before 60 days following the date proof of loss was given to Us; or 2. After 3 years following the date proof of loss is required.
Not in Lieu of Workers’ Compensation: The Policy is not a Workers’ Compensation Policy. It does not provide Workers’ Compensation benefits.

Economic or Trade Sanctions: Any payments under this policy will only be made in full compliance with all United States of America economic or trade sanction laws or regulations, including, but not limited to, sanctions, laws, and regulations administered and enforced by the U.S. Treasury Department’s Office of Foreign Assets Control (“OFAC”). Therefore, any expenses incurred, or claims made involving travel that is in violation of such sanctions, laws and regulations will not be covered under this policy. For more information, You may consult the OFAC internet website at https://www.treasury.gov/about/organizational- structure/offices/Pages/Office-of-Foreign-Assets-Control.aspx

Electronic Communication: 1. Consent to receive insurance related documents and communications, including but not limited to, your policy documents, disclosures, notices, explanation of benefits (EOB), claims documentation, as well as termination and cancellation or non-renewal notices, electronically to the email address you provide to us through the online application process instead of receiving these records in a paper format from us. 2. Agree and acknowledge that your consent is provided and/or obtained in connection with a transaction affecting interstate commerce subject to the Electronic Signatures in Global and National Commerce Act and the Uniform Electronic Transactions Act, or a similar electronic transactions law, as adopted by state law. 3. Agree that the document(s) delivered to you electronically shall have the same meaning and effect as if you were provided a paper document, whether or not you choose to view the document(s), unless you previously withdrew your consent to receive documents via electronic means as provided below. Electronic document(s) are considered received by you at the time you complete your purchase, unless we receive notice that the email notification was not delivered to you at the email address you provided.

Fraud Warning: If the Covered Person or any person acting on his/her behalf shall make any claim or statement knowing the same to be false or fraudulent as regards to amount or otherwise, then this Insurance shall become void and all claims here under shall be forfeited without refund of premium.

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.