Safe Travels International Coverage for Travel Outside USA
Safe Travels International Insurance is a comprehensive plan for anyone traveling outside their Home Country and outside the United States, plan meets the EU Schengen Visa requirements.
COVID-19 / SARS-CoV-2 / Coronavirus Safe Travels International plan includes coverage for testing/treatment of COVID19 even after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel. Upon purchase, you will receive a visa letter that states COVID-19 is covered.
Safe Travels International Insurance plan is for anyone traveling outside their home country to any country outside their home country, except for travel to or from the USA. The plan includes coverage for medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip delay, trip interruption, lost baggage, and accidental death & dismemberment. COVID-19 is covered and treated as any other sickness also.
The Safe Travels International Travel Insurance plan meets the Schengen Visa Travel Insurance requirements for visitors to the Schengen Area/Zone comprising any of the 26 Schengen countries part of the European Union (EU).
- Quote and Buy Safe Travels International Insurance online, instant ID cards and proof of coverage.
- Review the Safe Travels International Insurance Brochure for plan summary of benefits.
- Review the Safe Travels International Insurance Certificate for policy details and exclusions.
Safe Travels International plan benefits includes a choice of deductible options of US $0, $50, $100, $250, $500, $1,000, $2500, or $5000, no co-insurance as 100% covered beyond deductible, includes emergency room, doctor visits, and hospitalization, emergency medical evacuation, repatriation of mortal remains. Review the plan brochure and summary of benefits to understand benefits included. The policy certificate has the complete description of all of the terms, conditions, and exclusions.
Safe Travels International plan is offered and administered by Trawick International, the policy is underwritten by Crum & Forster SPC.
Safe Travels International Insurance Review
International Travel Medical Insurance COVID-19
Notes: Policy with Covid-19 coverage for international travelers (outside USA), also suits visitors to the European Union (EU), meets the Schengen Visa Insurance requirements.
Eligibility: Anyone 14 days or older, traveling outside their home country, excluding the United States.
Coverage Duration: Minimum 5 days up to Maximum 364 days trip length.
Amounts:
- Member maximum limit: US$ 50K, 100K, 250K, 500K or US$ 1million
- Deductible Choices: $0, $50, $100, $250, $500, $1,000, $2500, $5000
- Co-insurance: 100% paid after the deductible
- AD&D benefit: $20K (included)
PPO Network: No Preferred Provider Organization (PPO) network, consult any doctor or hospital for medical care.
Renew or Extend: If a minimum of 5 days is purchased, the policy term may be extended with uninterrupted coverage for up to 2 years.
Other Highlights
- Foreign nationals visiting the EU states
- Not available to US Citizens/Residents
- Meets Schengen Visa Insurance Requirements
- Repatriation of Mortal Remains, Cremation or Local Burial
- Quote & purchase online for single trip
Safe Travels International Insurance Policy Information
Safe Travels International Insurance is specially designed for the tourist outside their home country excluding coverage in the United States, plan is available for international travelers and even suits foreigners visiting the European Schengen States. The plan also meets the Schengen Visa requirements for mandatory coverage.
Safe Travels International Insurance - Plan Overview
Safe Travels International Insurance plan review and coverage highlights are as follows:
- Policy Maximum Amounts: $50K, $100K, $250K $500K or $1 million USD
- Deductible Options: $0, $50, $100, $250, $500, $1,000, $2500, $5000
- Co-Insurance 100% after the deductible
- AD&D up to $25K included
- Coverage from 5 days to 364 days; renew uninterrupted policy to maximum duration of 24 months.
- COVID-19: Medical Expenses covered and treated as any other Sickness. Plan offers coverage for testing/treatment COVID-19 / coronavirus. (Both the World Health Organization (WHO) and U.S. Centers for Disease Control and Prevention (CDC) have declared this disease as a global pandemic.)
- Unexpected Recurrence of a Pre-Existing Condition up to $20,000 of Covered Expenses up to age 65 or the first $10,000 for age 65 or over
- Hospital/ICU Room & Board Charge 3 times average Semi-Private room Rate
- Outpatient Medical, Ambulance, Physician Visits, Prescription Medicine, X-ray is Covered
- Emergency Medical Treatment of Pregnancy up to $2,500
- Mental or Nervous Disorders $2,500
- Physiotherapy/Physical Medicine/Chiropractic up to $50 per visit per day (10 visits per policy period)
- Dental Treatment $500 for pain or injury to sound natural teeth
- Emergency Medical Evacuation is covered 100% up to $2 million
- Political/Natural Disaster Evacuation up to $25,000
- Repatriation of Remains up to $1 million
- Emergency Reunion up to $15,000
- Return of Minor Children or Travel Companion up to $5,000
- Trip Interruption up to $7,500 per policy period
- Trip Delay: $150/day for 6 hours or more, $2,000 including accommodations
- Lost Baggage up to $1,000
- 24/7 Emergency Assistance
- Schengen Visa compliant for travel to 26 Schengen countries part of the EU.
- Schengen Visa insurance letter documentation, including Certificate of Coverage, ID card, emailed upon purchase.
- Visa letters can be translated into other languages upon written request.
- Insurance for sickness/illness or injury/accident, emergency medical evacuation, repatriation of remains, Emergency medical evacuation, Repatriation of mortal remains.
- Coverage not available to US Citizens
Safe Travels International Insurance Plan Details
Safe Travels International Insurance Plan Details
Safe Travels International Insurance is available for non-U.S. citizens/residents who are traveling outside the United States, or while traveling outside home country excluding the USA. Coverage is suitable both for business or leisure travelers to the Europe., international tourists, individuals or family who are on a holiday excluding America. This is a brief summary of the features available in Safe Travels International plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. Limitations and exclusions apply. Please refer to the plan certificate for more details.
| Plan Name | Safe Travels International |
| Quote & Buy Online | Buy Safe Travels International Insurance |
| Renew Coverage Online | Safe Travels Schengen Visa Insurance plan is renewable up to 2 years, if the policy is not lapsed and currently active. |
| Review Plan Brochure | Safe Travels International Travel Insurance Brochure |
| Coverage Period or Duration | Coverage period minimum length of 5 days to maximum of 364 days |
| Renew Coverage | Coverage may be extended for 24 months |
| Benefit Period | 180 days (amount of time you have from the date of your injury/illness to receive treatment). |
| Policy Maximum | $50,000, $100,000, $250,000 $500,000 or $1,000,000 USD |
| Deductible Options | $0, $50, $100, $250, $500, $1,000, $2500, $5000 USD |
| Co-Insurance: | Plan pays up to 100% up to the plan maximum beyond the deductible. |
| Emergency Medical / Hospitalization | Hospital/ICU Room & Board Charge covered 100% up to Policy Maximum. |
| Doctor / Physician Visit | 100% covered Inpatient or Outpatient Physician or Specialist visits are covered. |
| Urgent Care | Visits are covered 100% up to policy maximum. |
| Labs and Diagnostics | covered 100% up to Policy Maximum
Laboratory, Pre-admission Testing, Radiology / X-ray covered 100% up to policy maximum |
| Prescription Drugs / Medicines | Covered 100% up to Policy Maximum
Ongoing prescriptions prior to purchase of policy will not be covered. |
| Ambulance | Emergency use of local Ambulance is covered 100% up to policy maximum. |
| Emergency Medical Evacuation | Up to $2 million USD (amount covered per evacuation) |
| Physical Therapy/ Chiropractor |
up to $50 per visit per day (10 visits per policy period) |
| Anesthesia / Anesthesiologist | Covered 100% up to Policy Maximum. Inpatient / Outpatient Surgery, Use of Surgical Facility, Surgeon Fees all included. |
| Travel Assistance Services | 24/7/365 travel assistance services. |
| Secondary Insurance | Safe Travels International is a Secondary Insurance plan A Secondary insurance plan just fill gaps found in coverage benefits in the Primary plan. In comparison, a Primary Insurance plans pays immediately for an unexpected injury/illness that is not an exclusion, without any verification made, whereas in a secondary plan, this check is done. |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan certificate for details |
| Pre-certification Requirements | See pre-certification section in plan certificate for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator within 90 days Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense Claim payments can be converted to a currency of your choice |
| Cancellation & Refund | Before coverage start date, full plan cost refunded. After coverage start date, the unused portion of your plan cost is refunded minus a cancellation fee of $25, if no claims filed under the policy already. Note: A written (email) request along with the requiste cancellation form filled ans signed is required. |
| Other Details |
|
| Worldwide Assistance | 247/365 Emergency Assistance service included, contact phone number provided on the back of ID card. |
| Plan Administrator | Trawick International handles all policy administration services |
| Claims Administrator | Trawick International handles all claims administration services |
| Insurance Underwriter | Underwritten by Crum & Forster SPC |
| Ratings of Insurance Company | A.M. Best: A
S&P: A- |
| Quote & Buy Online | Safe Travels International Insurance Quote |
Disclaimer: The information provided on this page is only a summary of the Safe Travels International Insurance plan, be sure to read Safe Travels International Insurance plan brochure for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted.
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by the plan claims administrator.
Safe Travels International Insurance Plan Brochure
Review the Safe Travels International Travel Medical Insurance brochure which includes the high level summary of benefits and coverage.
- Plan Brochure: Safe Travels International Insurance Brochure
Safe Travels International Insurance - Certificate Description of Coverage
Review all the Safe Travels International Travel Health Insurance policy details in the master certificate of coverage wording below:
- Certificate of Insurance: Safe Travels International Insurance Certificate
Safe Travels International Insurance PPO Network
Safe Travels International plan has NO USA based and international PPO network of doctors, hospitals, labs, and other caregivers.
- Provider Network: Visit and doctor or hospital
Safe Travels Schengen Visa Insurance - Quote/Buy Online or Apply
Quote, apply and buy the Safe Travels International Insurance policy securely and instantly online. Alternatively, print/ and complete the paper application to send along with the requisite premium amount payment to the address on application.
- Quote/Buy Online: Get instant quote & Buy Safe Travels International Insurance coverage online.
- Application Form: Complete, mail/fax the Safe Travels International Insurance Paper Application along with the required premium payment.
Safe Travels International Insurance - Renew/Extend Coverage
Safe Travels International Travel Insurance coverage duration can be extended as plan is renewable, you can extend the policy coverage dates up to a total duration of 24 months (2 years), as long as the policy has NOT lapsed or expired.
- Renew Policy: Extend the Safe Travels International Insurance plan coverage dates using the following link to Renew Trawick Insurance Plans online.
Safe Travels International Insurance - Claims
Download and submit the claims form along with for detailed information including receipts for all medical bills for review and processing. You can also check the status of your claim online.
- Claims: Download the Safe Travels International Insurance Claims form on the Trawick Insurance Client Resources page.
Safe Travels International Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
- Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.
Safe Travels International Insurance Plan Questions & Answers
Below are some of the questions frequently asked with the Safe Travels International Insurance plan and relevant answers gathered over many years:
Who is eligible to purchase the Safe Travels International policy?
US citizens or Foreign nationals traveling abroad outside the USA
The Safe Travels International plan is available for both US citizens or foreign nationals who are traveling abroad (excluding the United States) outside their home country for a short-term duration. Individuals and/or families for certain nations visiting Europe can purchase the policy to meet the mandatory Schengen Visa travel insurance requirements.
Does Safe Travels International policy meet EU Schengen Visa Requirements?
Meets Schengen Visa Requirements for Visiting EU Schengen States
The Safe Travels International Travel Insurance plan meets the Schengen Visa Travel Insurance requirements for visitors to the Schengen Area/Zone comprising any of the 26 Schengen countries part of the European Union (EU).
Which EU countries/states require the Schengen Visa Insurance?
26 countries in Europe form the Schengen Area
The Schengen area is a group of 26 countries in Europe: Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Holland, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and Switzerland. Before you plan your next trip to Europe, review Schengen Visa Insurance plans for several top-rated carriers, find a low-cost plan that meets the requirements also.
What are the Schengen Visa Insurance requirements?
Mandatory Schengen Visa Insurance requirements
1. Insurance company must have a representative office in Europe.
2. Medical evacuation / repatriation coverage of at least US $37,500 (30,000 Euros).
3. Insurance must be valid for duration of stay in the Schengen states.
What are the common terms used in the Safe Travels International plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.