Safe Travels USA Cost Saver Insurance for USA
Safe Travels USA Cost Saver Insurance is a budget comprehensive plan for visitors to the USA, purchase coverage exactly from 5 up to 364 days, renew to 24 months.
Safe Travels USA Cost Saver Insurance is a budget-friendly comprehensive plan suitable for visitors to the United States up to the age 90 years. Safe Travels USA Cost Saver Travel Insurance is an ideal plan for tourists and relatives or parents visiting USA, amd is a temporary accident and sickness medical plan for non-US citizens visiting the USA or while traveling outside thier home country. The plan is primary insurance (no need to have a domestic health insurance active), and is suitable for individuals and family.
- Quote and Buy Safe Travels USA Cost Saver Insurance online, instant ID cards and proof of coverage.
- Review the Safe Travels USA Cost Saver Insurance Brochure for plan summary of benefits.
- Review the Safe Travels USA Cost Saver Insurance Certificate for policy details and exclusions.
Safe Travels USA Cost Saver 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 up to 2 years without lapse in coverage. This plan is not available to US Citizens, US Residents or US green card holders in the USA or US green card holders traveling to the USA. Review the plan brochure and summary of benefits to understand both insurance and non-insurance benefits included. The policy certificate has the complete description of all of the terms, conditions, and exclusions.
Safe Travels USA Cost Saver 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 Cost Saver Review
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Safe Travels USA Cost Saver Insurance Policy Information
Safe Travels USA Cost Saver America Insurance is high-end first-class travel medical and visitor health coverage specially designed for the discerning tourist visiting America, relatives/parents visiting USA, or international travelers going abroad to any foreign destination country.
Safe Travels USA Cost Saver travel health insurance comes in two available choices: Safe Travels USA Cost Saver America for the foreign nationals visiting USA and traveling to any other foreign country, and Atlas International for non-US and US citizens who are traveling abroad to any overseas destination outside the U.S.
- Safe Travels USA Cost Saver America is for foreign nationals visiting USA or traveling outside their home country of residence.
- Safe Travels USA Cost Saver International is for non-US or US citizens traveling abroad to any overseas destination.
Safe Travels USA Cost Saver Insurance - Plan Overview
Safe Travels USA Cost Saver Insurance plan review and highlights of coverage. Safe Travels USA Cost Saver Visitor Insurance policy highlights are as follows:
- Eligiblity: Individuals and families visiting the USA or traveling outside their home country worldwide.
- Maximum coverage choices from $50K up to $1 million USD in Primary emergency medical coverage.
- Coverage from 5 days to 364 days; renew uninterrupted policy to extend expiration dates up to 2 years (24 consecutive months).
- Unexpected recurrence of a Pre-Existing Medical Condition up to $1,000
- Wide network of doctors or hospitals available in the First Health PPO Network
- $75 Doctor Wellness Visit Benefit and Telemedicine option covered
- Optional Riders available: Athletic sports coverage 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 Cost Saver Insurance Plan Details
Safe Travels USA Cost Saver 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. This is a brief summary of the features available in Safe Travels USA 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 Cost Saver|
|Quote & Buy Online||Buy Safe Travels USA Cost Saver Insurance|
|Renew Coverage Online||Safe Travels USA Cost Saver Insurance plan is extendable with uninterrupted coverage, renew up to 24 consecutive months, if the policy is not lapsed and currently active.|
|Review Plan Brochure||Safe Travels USA Cost Saver Visitor Insurance Brochure|
|Coverage Period or Duration||Coverage period minimum length of 5 days, extendable with uninterrupted coverage for up to 24 consecutive 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.
|Emergency Medical / Hospitalization||Hospital/ICU Room & Board Charge covered 100% up to 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 Remains||Return of Mortal Remains up to $50,000 (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)|
|Pre-Existing Conditions||Unexpected Recurrence of a Pre-Existing Condition up to $1,000
“Pre-Existing Condition” means Any Injury, illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. This specifically includes but is not limited to any medical condition, Sickness, Injury, illness, disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36 month period immediately preceding the Effective Date of Coverage under this Certificate. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset.
|Primary insurance||Safe Travels USA 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.
|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 Cost Saver Insurance Quote|
Disclaimer: The information provided on this page is only a summary of the Safe Travels USA Cost Saver Travel Insurance plan, be sure to read Safe Travels USA Cost Saver Travel Medical 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 Cost Saver Insurance - Plan Brochure
Review the Safe Travels USA Cost Saver Visitor Insurance brochure which includes the high level summary of benefits and coverage.
- Plan Brochure: Safe Travels USA Cost Saver Visitor Insurance Brochure
Safe Travels USA Cost Saver Insurance - Certificate Description of Coverage
Review all the Safe Travels USA Cost Saver Visitor Insurance policy details in the master certificate of coverage wording below:
- Certificate of Insurance: Safe Travels USA Cost Saver Insurance Certificate
Safe Travels USA Cost Saver Insurance PPO Network
Safe Travels USA Cost Saver 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 Cost Saver Insurance - Quote/Buy Online or Apply
Quote, apply and buy the Safe Travels USA Cost Saver 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 Cost Saver Insurance coverage online.
- Application Form: Complete, mail/fax the Safe Travels USA Cost Saver Insurance Paper Application along with the required premium payment.
Safe Travels USA Cost Saver Insurance - Renew/Extend Coverage
Safe Travels USA Cost Saver 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.
Renew Policy: Extend the Safe Travels USA Cost Saver Insurance plan coverage dates using the following link to Renew Trawick Insurance Plans online.
Safe Travels USA Cost Saver 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 Cost Saver Insurance Claims form on the Trawick Insurance Client Resources page.
Safe Travels USA Cost Saver 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 Cost Saver Insurance - Questions & Answers
Below are some of the questions frequently asked (FAQ) with the Safe Travels USA Cost Saver Insurance plans and relevant answers gathered over many years:
Who is eligible to purchase the Safe Travels USA Cost Saver policy?
Foreign nationals visiting the USA for short term
The Safe Travels USA Cost Saver plan is available for foreign nationals who are visiting the United States for a short-term duration, coverage is renewable for up to 2 years. Individuals and/or families of any age visiting the United States can purchase the policy. The Safe Travels USA Cost Saver plan is NOT available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.
When should I purchase the Safe Travels USA Cost Saver policy?
After your travel dates are confirmed, buy Safe Travels USA Cost Saver plan
The best time to purchase the Safe Travels USA Cost Saver policy is right after you book your airline tickets. You can also buy coverage before you leave on your trip to America. The policy can be purchased even the day before your departure to the United States. If you have forgotton to purchase coverage, you can still buy coverage after your arrival to the USA, by entering the start date of coverage as early as next day for the desired effective date.
What is the cancellation and refund rules for the Safe Travels USA Cost Saver plan?
Fully refundable prior to start or effective date
All cancellation requests must come as a written request (email) to the plan administrator. To be eligible for a refund, requests received prior to the effective date of coverage are only considered for a full refund. After the effective date of coverage, the Safe Travels USA Cost Saver plan is considered to be fully earned and hence it is non-refundable. Also, after the start date, partial refunds are not honored. A $25 processing fee applies.
What are the common terms used in the Safe Travels USA Cost Saver 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.