Safe Travels USA Comprehensive
Comprehensive Coverage, Rated A (Excellent) By: Trawick, UW: C&FC&F Crum & Forster
- AM Best Rating
- A (Excellent)
- Administrator/Underwriter
- Trawick International
C&F Crum & Forster
In Network
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 80% of the first $5,000, then 100% up to the policy maximum.
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
- Not available if home country is: Nigeria or Antartica
Safe Travels USA Comprehensive insurance is a visitor insurance plan that provides medical coverage and emergency services to individuals /families/groups, traveling to USA . Within the PPO network, after the deductible is satisfied, the plan pays 100% up to the policy maximum. Outside of the PPO network, the plan pays 80% for the first $5,000 and then 100% thereafter towards eligible covered expenses for each sickness or injury.
Please review Safe Travels USA Comprehensive Insurance Brochure 
or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Out-Patient
Dr. / Physician Visit
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Urgent Care
$30 copay applies
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Surgical Treatment
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Prescription Drugs / Medicines
Prescription Medicine - subject to Out of Network Deductible
Lab & X-rays
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Physical Therapy
$50 per day, up to 10 visits per Policy Period
In-Patient
Hospital Room
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Surgical Treatment
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Hospital Intensive Care Unit
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Emergency Services
Ambulance Expenses
In Network: Plan pays 100% up to policy max
Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter
Emergency Room(ER)
Additional $200 deductible applies to ER visit for sickness that does not lead to hospitalization.
In Network: Plan pays 100% after deductible up to policy max
Out of Network: 80% covered for first $5,000, 100% covered thereafter
Dental
Acute, spontaneous and unexpected pain
$250 Covered
Accidental emergency
$250 Covered
Travel
Emergency Medical Evacuation / Repatriation
100% up to $2,000,000
Return of Remains
Up to $50,000
Emergency Reunion
$15,000 Per policy period
Return of minor Child(ren)
Up to $5,000
Trip Interruption
Up to $5,000
Loss of checked Baggage
Up to $1,000 ($75/article)(Optional Rider available)
Life
AD&D
$25,000 (customary in coverage)
Optional Rider available (see brochure for details)
Common Carrier Accidental Death
$25,000 (customary in coverage)
Optional Rider available (see brochure for details)
Other
Pre-Existing Conditions
Sudden and Acute Onset of Pre-existing condition coverage up to policy maximum for those under the age of 70. Coverage up to $25,000 for those between the ages of 70-89.
For cardiac conditions related to a pre-existing condition it covers $25,000 for people up to 69 years of age; and $15,000 for people between 70-89 years of age.
Local Burial or Cremation
Up to $5,000
Maternity
Emergency medical treatment of pregnancy up to $1,000 per policy period
General Physical full Checkup
Up to $75 (must be used within 21 days of plan effective date). Policy has to be purchased for minimum of 30 days for this benefit to be effective
Terrorism Coverage
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
C&F Crum & Forster
AM Best Rating
A (Excellent)
Eligibility
Can be purchased by anyone traveling outside of their home country on a legal status and at least one of their destination countries is the United States. Non-United States citizens or any visa holders (e.g. L/H/B1/B2, etc.) are eligible.
Plan Type
Comprehensive Coverage Plan Percentage based coverage.
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Not Covered
Co-Pay
$30 co-pay for urgent care visits. If selected deductible is $0, then co-pay is waived.
Travel Coverage
Covered
How the Benefits are Paid
After the deductible, the plan pays 100% in network, up to the policy maximum. Out of network, the plan pays 80% of the first $5,000 of eligible expenses; then 100% after that.
Coverage Type
Life Time of the policy
Deductible Type
Per Certificate Period
Renewability
Yes, Up to 2 years(only with initial purchase of minimum 90 days)
Cancellation
Yes.
- Full refund available if cancelled before start date.
- Pro-rated refund available after start date if no claims have been made ($10 Cancellation Fee Apply)
PPO Network
Coverage Length
5 days - 1 year
Can be extended up to 2 years
Available Deductibles
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per member per certificate period
Age 65 and above with policy maximum of $100,000: $250, $500, $1,000, $2,500, $5,000
Available Coverage
For below 65 age group: $50,000, $100,000, $250,000, $500,000 , $1,000,000
For ages 65 to 79: $50,000, $100,000
For ages 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
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 USA Comprehensive Plan FAQs | |
| Q1: Am I eligible for the Safe Travels USA Comprehensive Plan? The Safe Travels USA Comprehensive Plan is available for any non-US citizen or Resident, visiting the USA and anywhere outside their home country, for a short period of time. It is not available for US citizens, US Green Card Holders or long term visa holders, who pay taxes in the USA. | |
| Q2.What Information do I need to buy the Plan? You would need the names, dates of birth, passport numbers of the visitors, the visitor's home country address and a valid credit card to buy the plan. | |
| Q3: When will I receive my ID card? You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. Nothing is sent to the mailing address in the home country. | |
| Q4.Can I extend the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 5 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires. | |
| Q5.Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Safe Travels USA Comprehensive Plan, if you need to go back earlier than planned. The following rules apply: | |
| Q6.Are pre-existing conditions covered by the Safe Travels USA Comprehensive Plan? Pre-existing conditions are not covered in the Safe Travels USA Comprehensive Plan. However it does cover for an acute onset of pre-existing conditions | |
| Q7.What is an acute onset of pre-existing condition? An acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition. | |
| Q8.Are adventure Sports Covered in the Safe Travels USA Comprehensive Plan? Adventure or extreme sports like skiing,Sky diving,Mountain biking, rafting etc are not covered in the Safe Travels USA Comprehensive Plan. It offers optional coverage only for some specific athletic sports. | |
| Q9. What is the Athletic Sports riders options? Athletic Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Athletic Sports Rider Coverage with the Safe Travels USA Comprehensive Plan. There are two classes of sports specified in plan for optional coverage. Class 1 and Class 2. Please check the Plan Brochure to understand what is covered under the optional Athletic Sports Coverage . | |
| Q10: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Safe Travels USA Comprehensive, which is the FirstHealth PPO Network. You can search for doctors or hospitals in this Provider Directory. | |
| Q11: How do I use this insurance? Please refer to the following article about the policy usage: How to use Visitor Insurance? | |
| Q12: How do I file a claim? Please refer to the following article concerning the claim process: | |
| Q13: 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 at once. Since this plan is extendable you can extension it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension. | |
| Q14: Where can I find answers to other questions I have? Please refer to Visitors Insurance FAQs section. Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information | |
| Q15: Does Safe Travels cover coronavirus? Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | |
| Q16: Does Safe Travels USA Comprehensive cover the Coronavirus vaccination? Safe Travels USA Comprehensive doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions. | |
| Q17. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
| Q18. How does the in-network deductible work? If you go to an in-network provider, the deductible amount will be $0. Please keep in mind, if you go to an out-of network provider, you will have to fully satisfy the deductible chosen on your policy before the insurance company will pay for any eligible medical treatment and services. | |
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.
