Safe Travels USA Comprehensive Visitor Medical Insurance for USA Visitors
Safe Travels USA Comprehensive is a plan for visitors to the USA, purchase coverage from 5 up to 365 days, covers acute-onset of pre-existing conditions.
Safe Travels USA Comprehensive Insurance is a temporary plan that provides accident and sickness medical coverage and emergency services to to individuals and families visiting USA, who are 89 years or younger by age. The plan is even available for tourist groups traveling outside of their home country while visiting USA or traveling to the United States and worldwide. Coverage duration is a minimum of 5 days up to a maximum of 364 days (1 year). This policy includes coverage for Acute Onset of Pre-Existing Conditions and also is a primary insurance plan, thereby has has no need to keep a domestic health insurance policy active, and is suitable for business or liesuire travel to the USA.
Safe Travels USA Comprehensive Coverage is an ideal medical policy suitable for health emergencies for relatives or parents visiting USA. Within the PPO network, the plan pays 100% up to the policy maximum after the deductible is met. Outside of the PPO network, the plan pays 80% for the first $5,000, and then 100% thereafter. Outside the USA, plan pays 100% towards eligible covered expenses for each sickness or injury.
Safe Travels USA Comprehensive is a visitor insurance policy that can be initially purchased for a minimum of 5 days up to a maximum of 364 days, the coverage may be extended or renewed without lapse in coverage. Review the plan brochure and summary of benefits to understand both insurance and non-insurance benefits included, and the policy certificate has the complete description of all of the terms, conditions, and exclusions.
- Quote and Buy Safe Travels USA Comprehensive Insurance online, instant ID cards and proof of coverage.
- Review the Safe Travels USA Comprehensive Insurance Brochure for plan summary of benefits.
- Review the Safe Travels USA Comprehensive Insurance Certificate for policy details and exclusions.
Safe Travels USA Comprehensive Insurance plan is offered and administered by Trawick International, the policy is underwritten by Crum & Forster, SPC, rated A (Excellent) by A.M. Best.
Safe Travels USA Comprehensive Insurance Review
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Safe Travels USA Comprehensive Visitor Insurance
Safe Travels USA Comprehensive Insurance is available for non-U.S. citizens/residents who are visiting the United States, or while traveling outside home country. Coverage is suitable both for business or leisure travelers to the U.S., international tourists, individuals or family who are on a holiday to America.
Safe Travels USA Comprehensive Insurance Overview
Safe Travels USA Comprehensive Insurance plan review and highlights of coverage. Safe Travels USA Comprehensive Visitor Insurance policy highlights are as follows:
- Eligiblity: Foreign residents visiting USA and worldwide, up to the age of 89 years.
- Maximum coverage choices from $50K up to $1 million USD for emergency medical and hospitalization.
- Coverage from 5 days to 364 days; renew uninterrupted policy to extend expiration dates up to 2 years (24 consecutive months).
- Plan is a Primary Insurance option and not limited by gaps in coverage as in case of a Secondary plan
- Wide network of doctors or hospitals available in the First Health PPO Network
- Acute Onset of Pre-Existing Conditions covered
- $75 Doctor Wellness Visit Benefit and Telemedicine option covered
- Optional Riders available: Athletic sports and Return to Home coverage
- Not available to US Citizens, US Residents or US green card holders
- Covered en-route to USA and in countries during travel
- Insurance for medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and accidental death & dismemberment
- Premium Rates, please use the quote buy link to generate an online quote for plan rates.
Safe Travels USA Comprehensive Insurance Plan Details
This is a brief summary of the features available in Safe Travels USA Comprehensive 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 USA Comprehensive|
|Quote & Buy Online||Buy Safe Travels USA Comprehensive Insurance|
|Renew Coverage Online||Safe Travels USA Comprehensive Insurance plan is renewable up to 364 days, if the policy is not lapsed and currently active.|
|Review Plan Brochure||Safe Travels USA Comprehensive Visitor Insurance Brochure|
|Coverage Period or Duration||Coverage period minimum length of 5 days to maximum of 364 days (12 months)|
|Benefit Period||180 days (amount of time you have from the date of your injury/illness to receive treatment).|
|Policy Maximum||Choice of $50,000, $100,000, $250,000, $500,000, or $1,000,000 USD.|
|Deductible Options||In Network $0
Out of Network $0, $100, $250, $500, $1,000, $2500, $5000
|Co-Insurance:||In Network, plan pays up to 100% up to the plan maximum.
Out of Network, plan pays up to 80% for the first $5,000 beyond selected deductible, then 100% up to the plan maximum.
Outside of the USA, plan pays up to 100% up to the plan maximum.
|Well Doctor Visit:||Pays up to $75
One Visit per person per policy period.
The Well Doctor Visit must occur within the first 21 days from the effective date of coverage. To be eligible you must purchase at least 30 days of coverage initially.
|Urgent Care Co-Pay:||$30
If the $0 out of Network Deductible is chosen, there is no co-pay for Urgent Care
|Emergency Room:||$200 Co-pay applies for Emergency Room (ER) use for Illness without direct Hospital Admission.
Emergency Room Injury/Accident or Illness with direct Hospital Admission: Usual customary charge to the selected Medical Maximum.
|Emergency Medical / Hospitalization||Hospital/ICU Room & Board Charge covered 100% up to Policy Maximum.
Includes coverage for Ambulance up to 100% of Policy Maximum.
|Doctor / Physician Visit||100%
Outpatient Medical and Telemedicine is also covered.
|Labs and Diagnostics||covered 100% up to Policy Maximum
X-rays and labs must be ordered by the physician.
|Prescription Drugs / Medicines||covered 100% up to Policy Maximum
Ongoing prescriptions prior to purchase of policy will not be covered.
|Emergency During Pregnancy||Emergency Medical Treatment of Pregnancy up to $1,000 (subject to Out of Network Deductible)|
|Mental or Nervous Disorders||covered up to $2,500
Chronic conditions will not be covered.
|Physical Therapy||Physiotherapy, Physical Medicine or Chiropractic covered up to $50 per visit per day (10 visits)
Must be ordered by attending physician. Usual Reasonable and Customary.
|Dental Treatment||covered up to $250.
Sudden Dental Pain (Acute, spontaneous and unexpected)
|Emergency Medical Evacuation||100% (Not Subject to the Deductible)|
|Political/Natural Disaster Evacuation||$25,000 (Not Subject to the Deductible)|
|Repatriation of Mortal Remains||100% (Not Subject to the Deductible)|
|Local Burial/Cremation||$5,000 (Not Subject to the Deductible)|
|Emergency Reunion||$15,000 (Not Subject to the Deductible)|
|Return of minor Child(ren)||$5,000 (Not Subject to the Deductible)
Applies to Travel Companion also
|Trip Interruption||$5,000 per policy period (Not Subject to the Deductible)|
|Loss of Checked-in Baggage||Lost Baggage up to $1,000 (Not Subject to the Deductible)|
|Primary insurance||Safe Travels USA Comprehensive is a Primary 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.
|Pre-Existing Conditions||Acute Onset of a Pre-Exisiting Condition included in coverage.
Acute Onset of a Pre-Exisiting Condition: For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above. Upon attaining age 70 Acute Onset benefits will be reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. 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. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility. Please see certificate for more details.
|Accidental Death &: Dismemberment (AD&D)||Included maximum $25,000 (Not Subject to the Deductible)
Optional AD&:D Upgrades: $50,000, $100,000, $250,000, or $500,000
1. $50,000 – $0.25 per day – All Ages
2. $100,000 – $0.50 per day – Ages 19-79
3: $250,000 – $1.75 per day – Ages 19-69
4: $500,000 – $4.00 per day – Ages 19-69
Additional costs apply for optional add-on.
|Return to Home Coverage||Optional Upgrade:
Maximum $50,000, Up to 60 days prorated, 1.10 x the daily base plan rate.
Provides coverage for injury or sickness that occurs during an incidental trip to back to your home country or for covered expenses incurred in your home country for conditions first diagnosed outside your home country and treated during your policy period. You must purchase 30 days of coverage to add this benefit.
|Athletic Sports Coverage||Optional Upgrade:
Some hazardous sports covered, 1.20 x the daily base plan rate + monthly Sports Class rate.
Class 1 Sports: Rate $0 per month (Archery, Tennis, Swimming, Cross Country, Track, Volleyball & Golf)
Class 2 Sports: Rate $26 per month (Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo Rowing, Rugby & Soccer)
Provides coverage for injuries incurred during amateur, Club, Intramural, Interscholastic, Intercollegiate activities such as archery, tennis, swimming, cross country, track, volleyball golf, ballet, basketball, cheerleading, equestrian, fencing, field hockey, football (no division 1), gymnastics, hockey, karate, lacrosse, polo, rowing, rugby and soccer. Any athletic sport not listed is excluded from this policy unless the activity is non- contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.
|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 $10, if no claims filed under the policy already
Note: A written (email) request along with the requiste cancellation form filled ans signed is required.
|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” (Excellent) and Standard & Poor’s: “A+” (Strong)|
|Quote & Buy Online||Safe Travels USA Comprehensive Insurance Quote|
Disclaimer: The information provided on this page is only a summary of the Safe Travels USA Comprehensive Insurance plan, be sure to read Safe Travels USA Comprehensive 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 USA Comprehensive Insurance - Plan Brochure
Review the Safe Travels USA Comprehensive Visitor Insurance brochure which includes the high level summary of benefits and coverage.
- Plan Brochure: Safe Travels USA Comprehensive Visitor Insurance Brochure
Safe Travels USA Comprehensive Insurance - Certificate Description of Coverage
Review all the Safe Travels USA Comprehensive Visitor Insurance policy details in the master certificate of coverage wording below:
- Certificate of Insurance: Safe Travels USA Comprehensive Insurance Certificate
Safe Travels USA Comprehensive Insurance PPO Network
Safe Travels USA Comprehensive Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party FirstHealth PPO network for caregivers and providers, both for care inside USA and outside America.
- Provider Network: Search and find doctors, hospitals, labs, and other providers within the Trawick Insurance PPO Network to to save on coinsurance charges which is typically incurred outside the network.
Safe Travels USA Comprehensive Insurance - Quote/Buy Online or Apply
Quote, apply and buy the Safe Travels USA Comprehensive 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 USA Comprehensive Insurance coverage online.
- Application Form: Complete, mail/fax the Safe Travels USA Comprehensive Insurance Paper Application along with the required premium payment.
Safe Travels USA Comprehensive Insurance - Renew/Extend Coverage
Safe Travels USA Comprehensive visitor insurance coverage duration can be extended as plan is renewable, you can extend the policy coverage dates up to a total duration of 364 days, as long as the policy has NOT lapsed or expired.
- Extend the Safe Travels USA Comprehensive Insurance plan coverage dates using Renew Trawick Insurance Plans online.
Safe Travels USA Comprehensive 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 USA Comprehensive Insurance Claims form on the Trawick Insurance Client Resources page.
Safe Travels USA Comprehensive 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 USA Comprehensive Insurance Plan FAQ
Below are some of the questions frequently asked with the SafeTravelsUSA Comprehensive plan:
Who is Eligible to Buy the Safe Travels USA Comprehensive plan?
Foreign Nationals Visiting USA or Traveling to the USA and Worldwide
Safe Travels USA Comprehensive is a visitors insurance policy that foreign residents up to the age of 89 years can buy for a coverage duration of 5-364 days while visiting USA or traveling to the United States and other countries.
Is the SafeTravelsUSA Comprehensive Renewable Coverage?
Renew Policy to Extend Coverage Dates up to 364 days
Safe Travels USA Comprehensive plan can be initially purchased for a minimum of 5 days up to a maximum of 364 days, the coverage may be extended or renewed without lapse in active coverage.
Can US Citizens or Green Card Holders Buy SafeTravelsUSA Comprehensive?
US Citizens and Green Card Holders Living/Visiting USA Not Eligible
Safe Travels USA Comprehensive plan is NOT available to US Citizens (even expatriates living abroad), US Residents (US green card holders in the USA) or even US green card holders traveling to the USA.