Safe Travels for Visitors to the USA

Q1: Am I eligible for the Safe Travels for Visitors to the USA plan?

If you are a non-United States citizen traveling to the U.S. for business, pleasure, to study, you are eligible for this plan. The minimum coverage period is 5 days and the maximum coverage period is 12 months at one time. The policy is available for a maximum of 24 months

Q3: Can I cancel the Safe Travels for Visitors to the USA plan?

Yes, you can cancel this plan. A written requiest is required for any cancellation and refund. If you request for cancellation before the policy start date, you would get the full refund back. After the policy becomes effective, refund is available, only if you have not visited any doctor or provider. Only full monthly refund is available. $25 cancellation fee applies. No refund is available if there is a claim on file.

Q5. The plan says that the deductible is per incident or per injury or sickness. Does this mean I have to pay the deductible each time I make a visit to a Doctor or hospital?

No, you do not have to pay deductible each time you go to a doctor. Per-incident/per sickness or injury means that the deductible would apply separately to each different sickness or injury. But for each individual sickness or injury the deductible would apply only one time. After you meet the deductible once for a sickness or injury, the plan would pay a fixed dollar amount for every service or treatment related to that. You would not be responsible for further deductibles for follow up visits for the same sickness or injury. You would be responsible for a new deductible, only if a new unrelated sickness or injury starts.
For Example: If you have flu and visit the doctor two times for the same problem and the doctor asks you to take some lab test, then you pay the deductible once for all the services/treatment related to the flu. However if you go to doctor for a different problem, say, an ankle sprain, then the deductible will be applicable again, once for all services /treatments taken for the ankle sprain.

Q6. How does the Deductible Work?
For the Safe Travels for Visitors to the USA plan, it is better to choose the lowest deductible available. The deductible is per/incident type, which means, you would be responsible for separate deductibles, for every unrelated sickness or injury. The limited plans pay a fixed dollar amount for every service or treatment. Also, the deductible is applied to these fixed benefit amounts, and not the amount that the doctor’s charge.
For example : You choose a $50,000 policy maximum, with a $50 deductible, and you need a doctor’s consolation. You can see in the Schedule of benefits that the insurance would pay $55 for a doctor’s visit. Now the deductible of $50 would apply to the fixed benefit amounts. So in this case the plan would pay ($55-$50) = $5 towards your doctor’s visit. Whatever amount the doctor might charge, the insurance would pay only $5. If you go back again for the same situation for another consultation, then the plan would pay $55.

Q7. Are pre-existing conditions covered by the Safe Travels for Visitors to the USA Plan?

Pre-existing conditions are not covered by Safe Travels for Visitors to the USA Plan. However the plan covers for an acute onset of pre-existing conditions for people up to 69 years of age. For people 70 to 79 it covers up to $35,000 and $covers $15,000 for people between 80 to 89. Other conditions apply. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

Q8: Which doctor or hospital can I go to?

You can go to any doctor or hospital of your choice. The policy does belong to a PPO network, but you do not have to go to a doctor or hospital in the PPO network. You can view the list of doctors and hospitals in the PPO network here .

Q10. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

Q12: Where can I find the claim information?

Please refer to the following article for the claim process: Visitor Insurance Claim Process