Safe Travels plan type | Policy Maximum |
Economy plan | $25,000 |
Basic plan | $50,000 |
Silver plan | $75,000 |
Gold plan | $100,000 |
Platinum plan | $100,000 |
Features | Details |
Type of plan | Fixed insurance benefit plan |
Basic plan | $50,000 |
Silver plan | $75,000 |
Gold plan | $100,000 |
Platinum plan | $100,000 |
Trawick International offers coverage for Covid19 illness. The Safe Travels Elite travel insurance covers Covid19 for coronavirus and will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. The eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.
Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:
Trawick International insurance is one of the most renowned US travel insurance company that was established in 1998. Trawick international offers a variety of International travel insurance, trip cancellation, Trip interruption and student insurance plans. Trawick insurance has been awarded with the highest honors from Forbes Advisor to be ranked first to be the Best Travel Insurance Companies. Trawick international insurance offers plans to meet diverse requirements with a premium to meet any budget.
The travel insurance covers offered by Trawick International are perfect for employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips and vacationers. Travelers can customize Trawick insurance plans to cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay and lost baggage. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.
“Including medically necessary treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV”
Policy maximum? | Economy: $25,000 maximum per Injury/Sickness Basic: $50,000 maximum per Injury/Sickness Silver: $75,000 maximum per Injury/Sickness Gold: $100,000 maximum per Injury/Sickness Platinum: $175,000 maximum per Injury/Sickness Cardiac Conditions/Treatment $25,000 per Policy Period Limit |
Deductible? | $0 |
Hospital Room & Board including Laboratory Tests, X-Rays, Prescription Medical and other miscellaneous? | Economy: Up to $1,400/day, 30 day maximum Basic: Up to $2,000/day, 30 day maximum Silver: Up to $2,000/day, 30 day maximum Gold: Up to $2,000/day, 30 day maximum Platinum: Up to $3,000/day, 30 day max |
Intensive care unit? | Economy: Additional $2,100/ day, 10 day maximum Basic: Additional $2,500/ day, 8 day maximum Silver: Additional $2,500/ day, 8 day maximum Gold: Additional $3,000/ day, 8 day maximum Platinum: Additional $4,500/ day, 10 day maximum |
Inpatient Ancillary Hospital Services | Included under the Hospital Room and Board Expenses |
Surgical Treatment | Economy: Up to $3,500 Basic: Up to $5,000 Silver: Up to $5,000 Gold: Up to $6,000 Platinum: Up to $7,500 |
Anesthesiologist Expense? | Economy: $850 per Incident Basic: $850 per Incident Silver: $1,200 per Incident Gold: $1,400 per Incident Platinum: $1,800 per Incident |
Assistant Physician’s Surgical Expenses | Economy: $850 per Incident Basic: $850 per Incident Silver: $1,200 per Incident Gold: $1,400 per Incident Platinum: $1,800 per Incident |
Physician’s Non-Surgical Visits | Economy: Limited to $55 per visit,one visit per day and 30 visits per Policy Period Basic: Limited to $75 per visit,one visit per day and 30 visits per Policy Period Silver: Limited to $75 per visit,one visit per day and 30 visits per Policy Period Gold: Limited to $90 per visit,one visit per day and 30 visits per Policy Period Platinum: Limited to $130 per visit,one visit per day and 30 visits per Policy Period |
Consulting Physician | Economy: $450 per Incident Basic: $450 per Incident Silver: $550 per Incident Gold: $550 per Incident Platinum: $700 per Incident |
Private Duty Nurse | Economy: $450 per Incident Basic: $450 per Incident Silver: $550 per Incident Gold: $550 per Incident Platinum: $700 per Incident |
Pre-Admission Test within 7 days of Admission | Economy: $1,100 per Incident Basic: $1,100 per Incident Silver: $1,100 per Incident Gold: $1,200 per Incident Platinum: $1,500 per Incident |
Outpatient Surgical Facility | Economy: $1,000 per Incident Basic: $1,000 per Incident Silver: $1,150 per Incident Gold: $1,275 per Incident Platinum: $1,400 per Incident |
Physician’s Surgical Treatment | Economy: $3,500 per Incident Basic: $5,000 per Incident Silver: $5,000 per Incident Gold: $6,000 per Incident Platinum: $7,500 per Incident |
Diagnostic X-rays and Lab Service | Economy: $450 per Incident Basic: $750 per Incident Silver: $750 per Incident Gold: $750 per Incident Platinum: $1,000 per Incident |
Scans, Pet Scan or MR | Economy: $650 per Incident Basic: $650 per Incident Silver: $875 per Incident Gold: $1,050 per Incident Platinum: $1,300 per Incident |
Emergency Room Illness with no direct Hospital Admission (Only applies when receiving care in an Emergency room for an Illness that does not result in a hospital admittance)? | Economy: $350 and an additional $200 Deductible per visit Basic: $500 and an additional $200 Deductible per visit Silver: $500 and an additional $200 Deductible per visit Gold: $600 and an additional $200 Deductible per visit Platinum: $800 and an additional $200 Deductible per visit |
Emergency Room injury/Accident or Illness with direct Hospital Admission? | Economy: $350 per Incident Basic: $500 per Incident Silver: $500 per Incident Gold: $600 per Incident Platinum: $800 per Incident |
Prescription drugs and medications? | Economy: $250 per Incident Basic: $350 per Incident Silver: $350 per Incident Gold: $350 per Incident Platinum: $350 per Incident |
Covid-19 Expenses | Covered and treated as any other Sickness |
Acute Onset of a PreExisting Condition | Acute Onset of a Pre-existing Condition - up to policy maximum for age up to 69 years, $35,000 for age 70-79 years, $15,000 for age 80-89 per policy period subject to the sub limits as mentioned ( any coverage related to cardiac disease or conditions is limited to $25,000 for age up to 69 years, $15,000 for age 70 years and above) |
Well Doctor Visit | Pays up to $125 - 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. |
Dental Treatment for Injury to sound natural teeth | Economy: $600 per Incident Basic: $750 per Incident Silver: $750 per Incident Gold: $750 per Incident Platinum: $750 per Incident |
Dental Treatment for Injury to sound natural teeth | Economy: $600 per Incident Basic: $750 per Incident Silver: $750 per Incident Gold: $750 per Incident Platinum: $750 per Incident |
Mental or Nervous Disorder & Substance Abuse treatment? | Economy: $5,000 per Incident Basic:$5,000 per Incident Silver: $5,000 per Incident Gold: $5,000 per Incident Platinum: $20,000 per Incident /30days Max |
Chemotherapy / Radiation Therapy? | Economy: Up to $1,100 Basic: Up to $1,100 Silver: Up to $1,225 Gold: Up to $1,350 Platinum: Up to $1,750 |
Physiotherapy Physical Medicine/Chiropractic Expenses? | Economy: Limited to $40 per visit, one visit per day and 12 visits per Policy Period Basic: Limited to $50 per visit, one visit per day and 12 visits per Policy Period Silver: Limited to $50 per visit, one visit per day and 12 visits per Policy Period Gold: Limited to $60 per visit, one visit per day and 12 visits per Policy Period Platinum: Limited to $60 per visit, one visit per day and 12 visits per Policy Period |
Initial Orthopedic Prosthesis/brace | Economy: Up to $1,100 Basic: Up to $1,100 Silver: Up to $1,225 Gold: Up to $1,350 Platinum: Up to $1,750 |
Return to Home Coverage | Economy: Up to 30 days per 12 months Max $2,000 Basic: Up to 30 days per 12 months Max $2,000 Silver: Up to 60 days per 12 months Max $2,500 Gold: Up to 60 days per 12 months Max $2,500Platinum: Up to 75 days per 12 months Max $7,500 |
Ambulance Services | Economy: $500 per Incident Basic: $650 per Incident Silver: $650 per Incident Gold: $650 per Incident Platinum: $750 per Incident |
Emergency medical evacuation? | Economy: $100,000 Basic: $100,000 Silver: $100,000 Gold: Unlimited Platinum: Unlimited |
Repatriation of Remains | Economy: $7,500 Basic: $7,500 Silver: $10,000 Gold: $20,000 Platinum: $25,000 |
Medically necessary repatriation | 100% up to $15,000 per Policy Period |
Natural Disaster Evacuation | Economy: $5,000 per Policy Period Basic: $5,000 per Policy Period Silver: $7,500 per Policy Period Gold: $7,500 per Policy Period Platinum: $10,000 per Policy Period |
Political Evacuation ? | Economy: Up to $5,000 Basic: Up to $5,000 Silver: Up to $7,500 Gold: Up to $7,500 Platinum: Up to $10,000 |
Return of Minor Children or Grand Children? | Economy: Up to $5,000 Basic: Up to $5,000 Silver: Up to $7,500 Gold: Up to $7,500 Platinum: Up to $10,000 |
Local Burial/Cremation | Up to $5,000 maximum limit |
Felonious Assault AD&D | Economy: Up to $5,000 Basic: Up to $5,000 Silver: Up to $7,500 Gold: Up to $7,500 Platinum: Up to $10,000 |
Common Accidental Death & Dismemberment (AD&D) - Insured? | Economy: $25,000 Principal Sum Basic: $25,000 Principal Sum Silver: $35,000 Principal Sum Gold: $35,000 Principal Sum Platinum: $35,000 Principal Sum |
Travel Assistance | Included |
Here are some travel insurance tips for travelers with pre-existing conditions:
Safe Travels USA Comprehensive and Safe Travels Elite plans from Trawick International offer Acute onset of Pre-existing condition coverage up to 89 years. Safe Travels USA and Safe Travels USA Cost Saver cover unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years for residents visiting USA and worldwide.
For Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1000. Another plan Safe Travels Outbound has a pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside the US.
There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Safe Travels Voyager, Safe Travels Single Trip Protection, Safe Travels First Class Trip Protection, Safe Travels Explorer Plus and Safe Travels Journey plans and they can cover acute onset of pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for acute onset of pre-existing conditions. It is Trawick International’s Safe Travels USA Comprehensive.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
Trawick International’s Safe Travels USA Comprehensive covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute onset of Pre-existing condition coverage and will not be eligible for additional coverage.
Safe Travels USA Comprehensive and Safe Travels Elite from Trawick International offers acute onset of Pre-existing condition coverage up to 89 years, Safe Travels USA and Safe Travels USA Cost Saver covers unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years for residents visiting USA and worldwide. For the Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1000.Another plan Safe Travels Outbound have pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside of the US.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Email: Trawickclaims@cbpinsure.com
Co-ordinated Benefit Plans LLC on Behalf of Crum and Forster SPC
PO Box 2069
Fairhope AL 36533
866-669-9004 or 866-696-0409
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