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SSafe Travels Elite Insurance

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Including USA

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Safe Travels Elite insurance review

Safe Travels Elite rating
AM Best Rating: "A" (Excellent)
Policy maximum

Economy: $25,000; Basic: $50,000; Silver: $75,000; Gold: $100,000; Platinum: $175,000

Deductible options

$0

Plan life
5 days to 365 days, it can be Renewable
Safe Travels Elite can be renewed online
Safe Travels Elite underwriter

Crum & Forster SPC

Safe Travels Elite Insurance - Plan Benefits

  • This is a fixed benefits insurance plan from Trawick International and is available as Economy, Basic, Silver, Gold and Platinum with different policy maximum options for each.
  • It is available for NON-US Citizens/Residents traveling from other countries to USA or USA worldwide.
  • This plan is available for green card holders.
  • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
  • Plan covers Well Doctor visit for $75 per visit per policy period. The visit must occur within 21 days from the effective days of coverage and a minimum of 30 days of coverage need to be purchased to be eligible for this benefit.
  • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
  • Repatriation of Remains is covered for up to $7,500 with the Economy and Basic plans, up to $10,000 in Silver, up to $20,000 in Gold plan and up to $25,000 in the Platinum plan.
  • Mental, Nervous and substance abuse is covered for up to $5000 with all the plans except for the Platinum plan which provides up to $20,000 for 30 days max.
  • Chemotherapy or Radiation therapy is covered with highest coverage being $1,750 with the Platinum plan and the lowest being $1,100 with the Economy and Basic plans

Safe Travels Elite Insurance - Plan Summary

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

Safe Travels Elite Insurance - Plan Highlights

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

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Plan benefits of Safe Travels Elite insurance

  In-Patient Medical Benefits
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
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

Safe Travels Elite Insurance - Frequently asked questions

For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

Cancellation before effective date:

  • A full refund would be considered

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:

  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company, then
    • a cancellation fee of US $25 will be charged;
    • only full month premiums will be considered as refundable;
  • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

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.

Safe Travels Elite Insurance - Plan Limitations

  • The plan does not offer coverage for people above the age of 69 years
  • The policy maximum for these plans with five variants is $175,000 being the highest policy maximum coverage.
  • The benefits of the plan are specific amounts that are mentioned in the brochure and are fixed. If the claim expense is beyond the given specific amount, the insurance will not cover it

Travel Insurance for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance with pre-existing conditions coverage.
  2. Read the policy document carefully to understand what is covered and what is not.
  3. Be informed of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

Trawick International Pre-existing conditions travel insurance coverage

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.

Why is travel health insurance for pre-existing conditions coverage important?

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.

How does travel insurance for pre-existing conditions work?

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.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  • The definition of pre-existing conditions and the look back period under the policy.
  • The eligibility age limit for pre-existing conditions coverage.
  • Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  • The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  • The deductible and out of pocket expenses for pre-existing conditions coverage.
  • The renewability of the policy and its implication for pre-existing condition coverage

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  • The definition of pre-existing conditions and the look back period under the policy.
  • The eligibility age limit for pre-existing conditions coverage.
  • Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  • The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  • The deductible and out of pocket expenses for pre-existing conditions coverage.
  • The renewability of the policy and its implication for pre-existing condition coverage

Pre-existing conditions coverage - FAQ's

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.

Safe Travels Elite Insurance Claims


CLAIMS EMAIL

Email: Trawickclaims@cbpinsure.com


CLAIMS PHONE

866-669-9004 or 866-696-0409


MAIL TO

Co-ordinated Benefit Plans LLC on Behalf of Crum and Forster SPC
PO Box 2069
Fairhope AL 36533

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