STVUSA

Safe Travels for Visitors to the USA

Limited Coverage
AM Best Rating
B+
Carrier/Underwriter
GBG Insurance Limited
Administrator
Trawick International
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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Basic Coverage Plan
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Coverage from 5 days to 365 days
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Urgent Care
  • Not available if home country is: Antartica or Nigeria
BUY
Safe Travels for Visitors to the USA insurance Plan covers the visitors who are traveling to USA and provide coverage while in the USA.
Safe Travels for Visitors to the USA insurance is a basic travel medical insurance plan that has fixed pre defined limit for each medical service.
You visit any doctor or hospital of your choice.
The following benefit table shows how much insurance pays for the given covered medical service. If the actual bill is more, the difference will be your responsibility. Please review Safe Travels for Visitors to the USA Insurance Brochure brochure and Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Applicant's Age 14 days - 69 years

STVUSA

$50,000

Policy Maximum
STVUSA

$25,000

Policy Maximum
STVUSA

$100,000

Policy Maximum
STVUSA

$175,000

Policy Maximum
STVUSA

$75,000

Policy Maximum
Out-Patient    
Dr. / Physician Visit    
Up to $55/visit, 1/day, 30 visits MaxUp to $55/visit, 1/day, 30 visits MaxUp to $85/visit, 1/day, 30 visits MaxUp to $115/visit, 1/day, 30 visits MaxUp to $70/visit, 1/day, 30 visits Max
Urgent Care    
Up to $55/visit, 1/day, 30 visits MaxUp to $55/visit, 1/day, 30 visits MaxUp to $85/visit, 1/day, 30 visits MaxUp to $115/visit, 1/day, 30 visits MaxUp to $70/visit, 1/day, 30 visits Max
Surgical Treatment    
Up to $3500Up to $3500Up to $6000Up to $7500Up to $4750
Prescription Drugs / Medicines    
Up to $100Up to $100Up to $150Up to $200Up to $125
Lab & X-rays    
$450 Up to $650 Scan PET scan or MRI$450 Up to $650 Scan PET scan or MRI$500 Up to $1050 scan, PET scan or MRI$675 Up to $1300 Scan, PET scan or MRI$475 $875 scan, PET scan or MRI
Physical Therapy    
Up to $40/visit, 1/day, 12 visits MaxUp to $40/visit, 1/day, 12 visits MaxUp to $40/visit, 1/day, 12 visits MaxUp to $60/visit, 1/day, 12 visits MaxUp to $40/visit, 1/day, 12 visits Max
 
In-Patient    
Hospital Room    
Up to $1400/day, 30 day maxUp to $1400/day, 30 day maxUp to $2000/day, 30 day maxUp to $2700/day, 30 day maxUp to $1750/day, 30 day max
Surgical Treatment    
Up to $3500Up to $3500Up to $6000Up to $7500Up to $4750
Hospital Intensive Care Unit    
Additional $700/day, 8 day MaxAdditional $700/ day, 8 day MaxAdditional $900/day, 8 day MaxAdditional $1150/day, 10 day MaxAdditional $800/day, 8 day Max
 
Emergency Services    
Ambulance Expenses    
Up to $500Up to $500Up to $500Up to $750Up to $500
Emergency Room(ER)    
Up to $350
$200 extra ER deductible for sickness not leading to hospitalization.
Up to $350
$200 extra ER deductible for sickness not leading to hospitalization.
Up to $550
$200 extra ER deductible for sickness not leading to hospitalization.
Up to $800
$200 extra ER deductible for sickness not leading to hospitalization.
Up to $450
$200 extra ER deductible for sickness not leading to hospitalization.
 
Dental    
Accidental emergency    
Up to $600Up to $600Up to $600Up to $600Up to $600
 
Travel    
Emergency Medical Evacuation / Repatriation    
$100,000$100,000UnlimitedUnlimited$100,000
Return of Remains    
$7,500$7,500$20,000$25,000$10,000
Return of minor Child(ren)    
Up to $5,000Up to $7,500Up to $10,000Up to $7,500
 
Life    
AD&D    
$25,000 Common Carrier$25,000$35,000 Common Carrier$35,000 Common Carrier$35,000 Common Carrier
 
Other    
Pre-Existing Conditions    
For acute onset of a pre-existing condition, plan pays up to the policy maximum. For cardiac events, plan pays up to $25,000.Up to the Maximum policy limit per Period of Coverage; Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000Up to the Maximum policy limit per Period of Coverage Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000.Up to the Maximum policy limit per Period of Coverage; Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000.Up to the Maximum policy limit per Period of Coverage; Maximum Lifetime Limit for Emergency Medical Evacuation of $25,000.
Local Burial or Cremation    
Up to $5,000Up to $5,000Up to $5,000Up to $5,000Up to $5,000
General Physical full Checkup    
Up to $75 (must be used within 21 days of plan effective date)Up to $75 (must be used within 21 days of plan effective date)Up to $75 (must be used within 21 days of plan effective date)Up to $75 (must be used within 21 days of plan effective date)Up to $75 (must be used within 21 days of plan effective date)
Brochure    
Safe Travels for Visitors to the USA Insurance Brochure brochureSafe Travels for Visitors to the USA Insurance Brochure brochureSafe Travels for Visitors to the USA Insurance Brochure brochureSafe Travels for Visitors to the USA Insurance Brochure brochureSafe Travels for Visitors to the USA Insurance Brochure brochure
 
Support    
24-Hrs Emergency Assistance    
Yes. Contact Number and details can be found on the ID card.Yes. Contact Number and details can be found on the ID card.Yes. Contact Number and details can be found on the ID card.Yes. Contact Number and details can be found on the ID card.Yes. Contact Number and details can be found on the ID card.
 

Applicant's Age 70 - 89

STVUSA

$100,000

Policy Maximum
STVUSA

$50,000

Policy Maximum
Out-Patient 
Dr. / Physician Visit 
Up to $55/visit, 1/day, 30 visits Max$55 per visit, 1/day 30 visits max.
Urgent Care 
Up to $55/visit, 1/day, 30 visits MaxUp to $55/visit, 1/day, 30 visits Max
Surgical Treatment 
Up to $3,000Up to $3,000
Prescription Drugs / Medicines 
$90$90
Lab & X-rays 
$450$450
Physical Therapy 
$40 per visit, 1/day, 12 visits max.$40 per visit, 1/day, 12 visits max.
 
In-Patient 
Hospital Room 
Up to $1,500 per day, 15 day maxUp to $1,500 per day, 15 day max
Surgical Treatment 
$3,500$3,500
Hospital Intensive Care Unit 
Additional $800 per day, 8 day maxAdditional $800 per day, 8 day max
Drug/Alcohol Abuse 
Up to $5,000Up to $5,000
 
Emergency Services 
Ambulance Expenses 
$500$500
Emergency Room(ER) 
Up to $350
$200 extra ER deductible for sickness not leading to hospitalization.
Up to $350
$200 extra ER deductible for sickness not leading to hospitalization.
 
Dental 
Accidental emergency 
Up to $600Up to $600
 
Travel 
Emergency Medical Evacuation / Repatriation 
$50,000$50,000
Return of Remains 
$7,500$7,500
 
Life 
AD&D 
Not coveredNot covered
Common Carrier Accidental Death 
Not coveredNot covered
 
Other 
Mental Illness 
Up to $5,000Up to $5,000
Pre-Existing Conditions 
For acute onset of a pre-existing condition, plays pays $35,000. For cardiac events, plan pays $15,000.For acute onset of a pre-existing condition, plays pays $35,000. For cardiac events, plan pays $15,000.
Local Burial or Cremation 
Up to $5,000Up to $5,000
General Physical full Checkup 
Up to $75 (must be used within 21 days of plan effective date)Up to $75 (must be used within 21 days of plan effective date)
Brochure 
Safe Travels for Visitors to the USA Insurance Brochure brochureSafe Travels for Visitors to the USA Insurance Brochure brochure
 
Support 
24-Hrs Emergency Assistance 
Yes. Contact Number and details can be found on the ID card.Yes. Contact Number and details can be found on the ID card.
 

Plan Administrator Company

Trawick International

Carrier / Underwriter

GBG Insurance Limited

Eligibility

Can be purchased by non-United States or any visa holders (e.g. L/H/B1,B2) traveling to the U.S.

Plan Type

Limited Coverage Plan. Plan pays by a pre-defined fixed benefit table.

AM Best Rating

B+

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Not Covered

Co-Pay

No Co-pay. (You pay the difference of the fixed benefits defined by the benefit table)

Co-Insurance

No Co-Insurance. (You pay the difference of the fixed benefits defined by the benefit table)

How the Benefits are Paid

After the deductible, plan pays fixed amount based on a pre-defined benefit table for each type of service or treatment.

Coverage Type

Per Incident, Per Injury, or Sickness

Deductible Type

Per Incident, Per Injury, or Sickness

Renewability

Renewable once with $5 renewal fee, up to a maximum of 364 days.

Cancellation

Full refund available if canceled before start date. Monthly pro-rated refund if canceled after start date and no claims have been filed ($25 cancellation fee applies).

Coverage Length

Min 5 days to Max 364 days

Available Deductibles

Choose From: $0 Ages 70-89: $100 or $200

Available Coverage

Visitors Economy: $25,000 per incident
Visitors Basic: $50,000 per incident
Visitors Silver: $75,000 per incident
Visitors Gold: $100,000 Visitors Platinum: $175,000
Ages 70 - 89: Visitors Diamond: $50,000

Provider Directory

By Provider, Phone Nos.: 888-301-9289 or 251-661-0924

Home Country Definition

Home Country means a country from which the Covered Person holds a passport. If the Covered Person holds passports from more than one country, his or her Home Country will be that country which the Covered Person has declared to us in writing as his or her Home Country.

US States Restrictions

No state restrictions

Country Restrictions

No country restrictions

Safe Travels for Visitors to the USA Insurance FAQs

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

Q2: Can I renew the Safe Travels for Visitors to the USA plan?

Yes, you can renew your coverage in an increment of 5 days or more up to 364 days. For each renewal there is a $5 fee. The maximum policy coverage period for this plan is 24 months. Policy can be renewed online.

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.

Q4. What does the Travels for Visitors to the USA plan cover? Why is it so much cheaper than the comprehensive plans?

The Safe Travels for Visitors to the USA covers for unexpected sickness or injury that starts, after the policy becomes effective. It does not cover for preventive care, pre-existing conditions, dental or vision. The Safe Travels for Visitors to the USA plan is a limited coverage plan. It pays a pre-defined fixed dollar amount for every service or treatment. These amounts are provided in the schedule of benefits, both in the plan brochure and Plan Description of Coverage. This plan is less expensive than comprehensive plans, because the plan offers very limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

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 .

Q9: What information do I need to purchase this insurance?

Name(s), date of birth, and passport number of the visitor(s).

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.

Q11: How do I use this insurance?

Please refer to the following article about the policy usage: how to use Visitor Insurance?

Q12: Where can I find the claim information?

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

Q13: Where can I find answers to other questions I have?

Learn more from informative articles at Visitor Insurance Information section.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.