Safe Travels USA Cost Saver offer excess medical coverage. This includes emergency medical evacuation, repatriation and security evacuation benefits. It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
In-Network: up to 100%
Out-of-Network:
| Hospital room and board? | Average semi-private room rate |
| 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. |
| Outpatient Medical | Usual customary charge up to the selected medical maximum |
| Urgent Care Co-Pay | $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay. |
| Mental or Nervous Disorders | $2,500 per Policy Period |
| Physiotherapy/Physical Medicine/Chiropractic | Limited to $50 per visit, one visit per day and 10 visits per Policy Period. |
| X-rays, Prescriptions and Ambulance | Covered |
| Ancillary Hospital Expenses | Covered |
| Physician's Non-Surgical Visits | Covered |
| 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 |
| Dental Treatment (Injury and emergency alleviation of pain)? | $250 per Policy Period |
| Emergency medical evacuation? | 100% up to $2,000,000 |
| Return of minor children? | $5,000 |
| Emergency Reunion? | $15,000 |
| Lost luggage | $1,000 per Policy Period |
| Trip interruption? | $5,000 (Per Policy Period does not cover lost trip cost) |
| Accidental Death & Dismemberment Principal Sum? | $25,000 |
| Unexpected Recurrence of a Pre-Existing Condition | $1,000 per Policy Period |
| Political Evacuation? | $25,000 |
| Medically necessary repatriation | 100% up to $15,000 per Policy Period |
| 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 |
| Return To Home Country – if purchased | $50,000 per Policy Period Maximum days covered Up to 60days per 12 months |
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.
866-669-9004 or 866-696-0409
Co-ordinated Benefit Plans LLC on Behalf of Crum and Forster SPC
PO Box 2069
Fairhope AL 36533
Email: Trawickclaims@cbpinsure.com
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 Cost Saver plan
Go for it now!
