Safe Travels USA Comprehensive plan provides accident and sickness medical coverage with Acute Onset of Pre-existing Medical Conditions to Non-US citizens up to age 69 who reside outside the USA and are traveling outside of their Home Country while visiting the United States or to the United States and Worldwide. Covered en-route to USA, while in the USA, and in countries while on the way to the USA or the way home as well as countries on the itinerary. Coverage can initially be purchased for a minimum of five (5) days up to a maximum of 364 days. If a minimum of 5 days is purchased, the coverage may be extended, at the rates in force at the time of extension, for up to 364 days. COVID-19, SARS-CoV-2 EXPENSES are covered and treated as any other sickness.
Plan Highlights
- COVID-19, SARS-CoV-2 EXPENSES are covered and treated as any other sickness
- Accident and Sickness Medical Policy maximum Choices $20,000, $50,000, $100,000, $250,000, $500,000, $1,000,000
- Deductible Choices $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
- After the deductible, the plan pays 100% up to the policy maximum
- Pre-certification is a general determination of Medical Necessity only. 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met.
- Emergency Medical Evacuation/ Repatriation of Remains/Medically Necessary Repatriation/Local Burial/Cremation
- ACUTE ONSET OF PRE-EXISTING CONDITION for up to age 69 – Other limitations apply
- Wellness Visit – covered up to $125
- Optional Sports Coverage – see brochure for details
- Optional Home Country Coverage – see brochure for details
- SureGo Online Claims Administration
Benefits of Coverage
| 24/7 Non-Insurance Benefits | |
| Non Insurance Assistance Services | Included – This is a non-insurance service included by Trawick International in the plan cost and is not a part of the insurance underwritten by Zurich Insurance Europe AG Belgian branch |
|---|---|
Plan Definitions
- Pre-Existing Condition“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 three (3) years 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.Acute Onset of Pre-Existing shall means a sudden and Unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of a Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective Date, the Covered Person (i) knew or reasonably foresaw he/she would receive, (ii) knew he/she should receive, (iii) had scheduled, or (iv) were told that he/she must or should receive, any medical care, drugs, or Treatment.
- ACUTE ONSET OF PRE-EXISTING CONDITIONMaximum Benefit – For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70 Acute Onset benefits are not a available.ACUTE ONSET OF PRE-EXISTING CONDITIONS for an Acute Onset 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 Coverage; and 3. Treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.Any repeat/reoccurrence within the same Period of Insurance will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. 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 the Covered Person is discharged from a medical Facility.To be eligible for the foregoing limited coverage and benefits for an Acute Onset of a Pre-existing Condition, the Covered Person must be in compliance with all Terms of this insurance. The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met.At the time of the Acute Onset of the Pre-existing Condition:
(a) Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence.
(b) the Covered Person must be under seventy (70) years of age.
(c) the Covered Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider.
(d) the Covered Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition.(e) the Covered Person must not be traveling during a period of time when the Covered Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended.(f) the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment.
(g) the Covered Person must be traveling outside their Habitual Country. - CANCELLATION AND REFUND PROCEDURE PROVISIONSFull 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. If no claims have been filed with the Company, then (i) a cancellation fee of US $50 will be charged; and (ii) only unused days b) 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. Upon effectuation of such cancellation and refund, neither the Company nor the Covered Person shall have any further rights, liabilities, or obligations under this insurance.
- OPTIONAL EXTENSION PROCEDURESAn extension notice will be sent to the Covered Person before the Period of Insurance 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 Period of Insurance must be initially purchased for a minimum of 5 days. If available, an extension period can be purchased 1. at the Premium rate in force at the time of the extension; 2. for a minimum of 5 days; 3. for up to a maximum of 364 days, provided the Covered Person’s Period of Insurance does not exceed 364 days in total. There are no grace periods for extension. Once the coverage has lapsed, reapplication may be allowed provided you meet the ELIGILBILTY requirements. Please note, upon application for a new coverage, the Pre-Existing Condition exclusion, deductible and coinsurance start over.
TEXT your Customer Service question(s) to us at (251) 661-0924
About
Our Plans
- Inbound to the USA
- Outside the USA
- Trip Cancellation Insurance
- Schengen Travel Visa
- Annual Travel Insurance
- Cancel for Any Reason
Contact Us
- Trawick International®
- Post Office Box 2284
- Fairhope, AL36533
24/7 Customer Service
Closed most major US holidays
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Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. These plans provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker. This notice provides general information on Trawick International’s products and services only. Policies will contain certain reductions, limitations, exclusions, and termination provisions. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern.
Trawick International is an Associate Member of the United States Tour Operators Association. However, Trawick International is NOT a participant in the USTOA $1 Million Travelers’ Assistance Program and is not held by USTOA to certain other standards required of Active Members.
“Safe Travels USA” is a type of travel insurance plan, commonly used by visitors to the United States. It typically provides coverage for various travel-related risks such as medical emergencies, trip cancellations, lost luggage, and more.
If you’re looking into comprehensive travel insurance, it generally means that the policy covers a wide range of potential issues, including:
- Medical Coverage: Covers emergency medical expenses if you get sick or injured during your trip.
- Emergency Medical Evacuation: Pays for the costs of evacuation to the nearest medical facility or home if required.
- Trip Cancellation: Refunds pre-paid, non-refundable trip costs if you need to cancel your trip due to covered reasons (like illness, family emergency, etc.).
- Trip Interruption: Covers costs if your trip is interrupted due to unforeseen circumstances.
- Lost or Delayed Baggage: Reimburses for lost, stolen, or delayed luggage.
- Travel Delay: Compensation for additional expenses incurred due to travel delays (food, accommodation, etc.).
- Accidental Death and Dismemberment: Pays out in case of severe injury or death during the trip.
If you’re looking for specific details about Safe Travels USA insurance or want to compare it with other comprehensive plans, you may want to check with the insurance provider directly or look for specific plan comparisons.
Is there anything else you would like to know about this insurance or any particular coverage details you’re interested in?
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