STI

Safe Travels International

Comprehensive Coverage
AM Best Rating
B+
Administrator/Underwriter
Trawick International
GBG Insurance Limited
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 365 days
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Urgent Care
BUY

Safe Travels International insurance is a visitor medical insurance plan, available for Non US cititzens and Non US residents, travelling outside the USA. After the deductible is met, the plan pays 100% up to policy maximum for all covered services.


Please review Safe Travels International Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Out-Patient

Dr. / Physician Visit

After the deductible, plan pays 100% up to the policy maximum.

Surgical Treatment

After the deductible, plan pays 100% up to the policy maximum.

Prescription Drugs / Medicines

After the deductible, plan pays 100% up to the policy maximum.

Lab & X-rays

After the deductible, plan pays 100% up to the policy maximum.

Physical Therapy

After the deductible, plan pays 100% up to the policy maximum.

In-Patient

Hospital Room

After the deductible, plan pays 100% up to the policy maximum

Surgical Treatment

After the deductible, plan pays 100% up to the policy maximum

Hospital Intensive Care Unit

After the deductible, in network, plan pays 100% up to the policy maximum

Drug/Alcohol Abuse

Not Covered

Emergency Services

Ambulance Expenses

After the deductible, plan pays 100% up to the policy maximum

Emergency Room(ER)

After the deductible, plan pays 100% up to the policy maximum

Dental

Acute, spontaneous and unexpected pain

Up to $500

Accidental emergency

Not Covered

Travel

Emergency Medical Evacuation / Repatriation

100% up to $2,000,000

Return of Remains

$50,000

Emergency Reunion

$15,000

Return of minor Child(ren)

$5,000

Loss of checked Baggage

Up to $1,000

Life

AD&D

Up to $25,000

Other

Cataract Surgery

Not Covered

Cancer

Not Covered

Cardiac

Not Covered

Mental Illness

Not Covered

Alzheimer's Desease

Not Covered

Hazardous Sports Coverage

Not Covered

Pre-Existing Conditions

Up to $20,000 of covered expenses up to age 65
Up to $10,000 of covered expenses for age 65 and over

Maternity

Not Covered

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Plan Administrator Company

Trawick International

Carrier / Underwriter

GBG Insurance Limited

Eligibility

Non-US Citizens and non-US permanent residents, traveling internationally, excluding USA

Plan Type

Comprehensive Coverage Plan Percentage based coverage.

AM Best Rating

B+

Coverage in U.S.A.

Not Covered

Coverage outside U.S.A.

Covered

Co-Pay

No Copay

Co-Insurance

No co-insurance: 100% covered by plan up to policy maximum

How the Benefits are Paid

After the deductible, the plan pays 100% of eligible expenses up to the policy maximum.

Coverage Type

Lifetime of the policy

Deductible Type

Per policy period

Renewability

Yes, has to be purchased for a minimum of 45 days to be renewed. Has to be renewed before policy expires

Cancellation

Yes, only if no claims are filed. A $25 cancellation fee applies.

PPO Network

No (visit any provider of your choice)

Coverage Length

From 1 - 365 days
Can be renewed up to 2 years.

Available Deductibles

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

Available Coverage

Age 14 days to 69 years: $50,000, $100,000, $250,000, $500,000, $1,000,000
Age 70-79: $50,000, $100,000
Age 80-89: $50,000

Provider Directory

By Provider, Toll Free: 888-301-9289, Direct: 251-661-0924
Fax: 251-666-1806
Email: info@trawickinternational.com

Plan Brochure

Safe Travels International Insurance Brochure brochure

Home Country Definition

The country where the covered person has his/her true, fixed, permanent home and principal establishment.

US States Restrictions

No Restriction

Country Restrictions

No Restriction

Safe Travels International Insurance FAQs

Q1: Which doctor or hospital can I go to?

There is no PPO Network for the Safe Travels International plan. The insured person can visit any doctor or hospital of his/her choice.

Q2: When will I receive my ID card?

The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. Additionally, you will be emailed the ID card that you can print and take to the doc/hospital. Also, when filling out the online application, you have the choice of getting supplemental information and ID card in the mail. If you would like to receive the ID card and plan details by mail then make sure to choose "yes" for mailed ID card. You should receive your insurance package at your mailing address within 5-10 business days of purchase.

Q3: Can I cancel the policy and get a refund after purchase?

If the policy is cancelled before the start date, a full refund is available. After start date, refund is available only if you do not need to visit the doctor, and there is no claim on file. A prorated refund for the unused number of days is refunded. A $25 cancellation fee applies.

Q4: Does this plan have travel coverage?

Yes, Safe Travels International Insurance has on flight coverage from home country to the host country as well as back to home country. This coverage will only apply if the flight days fall during the plan effective dates. If applicable, make sure to select the start date when the insured leaves the home country (U.S. CST) and select the end date the day they arrive home country on the trip back (CST). This plan does not provide coverage for travels to the USA.

Q5: Do I have to pay up front at the doctors office or will they bill the insurance company directly?

The billing process is at the discretion of the provider. They can either ask the insured person to pay up front, or can bill the insurance company directly. Usually for bigger bills like hospitalization, surgery etc., they tend to bill the insurance company directly. For smaller situations, like doctor consultation, they are more likely to ask the insured person to pay first. However, for any claims to be processed, the insured person has to follow the claim process and send in the claimant information form to the insurance company. This would be applicable even if the providers directly bill the insurance company.

Q6: How do I file a claim?

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

Q7: What information do I need to purchase this plan?

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

Q8: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment all at once.
Since this plan is renewable, you can renew it at any time before the policy expires. There is no renewal fee.

Q9: I am traveling with a friend or domestic partner. Can we both be on the same application?

Yes. One is listed on the form as Applicant and the other is Adult #2.

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

The benefits and costs do 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.

In addition, having separate policies gives you more flexibility for renewals and cancellations.

Q11: I am traveling and I am pregnant. Will your plan cover me?

Yes, the Safe Travels International plan covers for emergency medical treatment for pregnancy up to $1,000. Please check the plan description of coverage for details of the coverage.

Q12: Where can I find answers to other questions I have?

Like all other travel insurance policies, the Safe Travels International plan does not cover for pre-existing conditions, but it offers coverage of up to $1,000 for an unexpected recurrence of a pre-existing condition.

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

Please refer to Visitors Insurance FAQs section.
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.