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Safe Travels USA Comprehensive Insurance

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Including USA

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Trawick Insurance

About Safe Travels USA Comprehensive

Safe Travels USA Comprehensive visitor insurance provides accident and sickness medical coverage for acute onset of pre-existing medical conditions to Non-US citizens visiting the United States. This plan offers excellent medical coverage and also includes coverage for emergency medical evacuation, repatriation and security evacuation benefits. Travelers aged up to 89 years of age visiting USA and on transit visa in the US can buy this medical insurance for their stay. Green card holders are also eligible for this plan.

Eligibility to buy Safe Travels USA Comprehensive Insurance

  • For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
  • This plan is available for green card holders.
  • Travelers up to the age of 89 years.
  • This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
  • Coverage for minimum 5 days to maximum up to 364 days.
  • This plan covers Acute on set of pre-existing conditions up to 69 years only.Does not cover for ages above 70 years.

Safe Travels USA Comprehensive insurance review

Safe Travels USA Comprehensive Rating
AM Best Rating: "A" (Excellent)
Policy maximum

14 days to 80 years:$50,000, $100,000, $250,000, $500,000, $1,000,000
For ages 80 - 89:$20,000

Deductible options

$0, $50, $100, $250, $500, $1,000, $2,500, $5,000

Plan life
5 days to 365 days, it can be Renewable
Safe Travels USA Comprehensive can be renewed online
Safe Travels USA Insurance Coinsurance

Co-insurance after the deductible, 100% up to the Policy Maximum

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Plan benefits of Safe Travels USA Comprehensive insurance

  In-Patient Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services
ICU Room and Board Charges Three times the average semi private room rate
Well Doctor Visit Pays up to $125. One visit per person per policy period. This visit must occur within 21 days after the coverage is effective. Initial purchase of 30 days is necessary.
Urgent Care Co-Pay $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay.
Physician visits Limited to $50 per visit, one visit per day and 10 visits per Policy Periodt
Ancillary Hospital Expenses Covered
X-rays, Prescriptions and Ambulance Covered
Physician's Non-Surgical Visits $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physician's Surgical Expenses Covered
Assistant Physician's Surgical Expenses Covered
Anesthesiologist Expenses Covered
Telemedicine Covered
Prescription Drugs Covered
Emergency local ambulance Covered
Emergency Medical Treatment of Pregnancy $1,000 per Policy Period
Emergency illness with no direct hospitalization admission $200 additional deductible per visit only applies while receiving care in a hospital for an illness that does not result in hospital admittance
Emergency room injury/accident or illness with direct hospital admission Usual customary charge to the selected policy maximum
Emergency dental treatment $250 per Policy Period
Traumatic Dental Injury $250 per Policy Period
Emergency medical evacuation 100% up to $2,000,000
Emergency reunion $15,000/td>
Lost luggage $1,000 per Policy Period
Return of minor children $5,000
Trip interruption $5,000 (Per Policy Period does not cover lost trip cost)
Remote transportation $5k per certificate period / $20k maximum limit
Accidental death & dismemberment $25,000
Unexpected Recurrence of a Pre-Existing Condition $1,000 per Policy Period
Political Evacuation $25,000
Natural Disaster Evacuation $10,000 per Policy Period, Up to $250 per day to a max of 5 days for Reasonable Expenses
Benefit Period We will pay eligible medical expenses for up to 180 days beginning on the first day of diagnosis or treatment of a covered Sickness or Injury while a covered person is outside their home country
Lost luggage $1,000 per Policy Period
Hospital Confinement $50 per night up to a maximum of $500 per Policy Period
Coma Benefit $10,000
Felonious Assault and Violent Crime $50,000
Return of mortal remains or cremation/burial 100% up to $50,000
Adaptive Home and Vehicle $5,000
Seatbelt Benefit 10% up to $50,000
Airbag Benefit 10% up to $50,000
Hijacking and Air or Water Piracy Covered

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 USA Comprehensive 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.

Yes, the Safe Travels USA plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA plan

Optional Riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

  • Accidental Death and Dismemberment Upgrade
  • Home Country Coverage/Follow Me Home Coverage
  • Athletic Sports Coverage

Safe Travels USA Comprehensive insurance Claims


CLAIMS EMAIL

Email: Trawickclaims@cbpinsure.com
Fax: 317-655-4505


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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