STU-CS

Safe Travels USA - Cost Saver

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.

80%
Out of Network

Plan pays 80% of the first $5,000, and 100% up to the policy max

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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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Comprehensive Coverage Plan
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Coverage from 5 days to 365 days
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Urgent Care
BUY

Safe Travels USA - Cost Saver 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 - Cost Saver Insurance Brochure brochure or Description of Coverage brochure (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

In Network: Plan pays 100% after deductible
Out of Network: 80% covered for first $5,000, 100% covered thereafter

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% up to policy max
Out of Network: After deductible, plan pays 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)

Yes, up to $5,000

Trip Interruption

Yes, up to $5,000

Loss of checked Baggage

Yes, 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

Unexpected Recurrence of a Pre-existing Condition up to $1,000

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)

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

GBG Insurance Limited

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.

AM Best Rating

B+

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

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

Safe Travels USA - Cost Saver 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 USA Cost Saver Plan FAQs

Q1: Am I eligible for the Safe Travels USA Cost Saver Plan?

The Safe Travels USA Cost Saver 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 renew the plan, if I plan to stay longer?

Yes, if you buy the plan initially for more than 5 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal charge.

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 Cost Saver Plan, if you need to go back earlier than planned. The following rules apply:

  • 1) A written request is required for cancellation.
  • 2) If you cancel the policy before the start date, you would get the full refund back.
  • 3) After the policy start date, you can get the refund, only if you do not need to visit the doctor/provider while the policy is in force.
  • 4) You can get the prorated refund back for the number of days left in the policy.
  • 5) $25 cancellation fee applies.
  • 6) If there is any claim on file, you would not get any refund back.
  • Q6.Are pre-existing conditions covered by the Safe Travels USA Cost Saver Plan?

    Pre-existing conditions are not covered in the Safe Travels USA Cost Saver Plan. It covers only up to $1,000 for an unexpected recurrence of pre-existing conditions. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.

    Q7.What is an unexpected recurrence of pre-existing condition?

    An unexpected recurrence 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 unexpected recurrence of pre-existing condition.

    Q8.Are adventure Sports Covered in the Safe Travels USA Comprehensive Plan?

    Adventure or extreme spots 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.

  • Class 1 - includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball and Golf
  • Class 2 - includes Ballet, Basketball,Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo, Rowing, Rugby and Soccer
  • 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 Cost Saver Plan, 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:
    Visitor Insurance 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 renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.

    Q14: 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. If you still have questions, please call our support line toll free: 1.866.384.9104

    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

    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.