STU

Safe Travels USA

Comprehensive Coverage
AM Best Rating
B+
Administrator/Underwriter
Trawick International
GBG Insurance Limited
80%
In Network

After deductible, the plan pays 80% up to the policy maximum.

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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

Safe Travels USA insurance is a visitor insurance plan that provides medical coverage and emergency services to for non-US citizens and non-US residents, for traveling internationally, including the USA. After the deductible is satisfied, within the PPO Network, for all covered sickness or injury, the plan pays 100% up to the chosen policy maximum. Outside the PPO network, it pays 80% for the first $5,000 and then 100% thereafter towards eligible covered expenses.

Please review Safe Travels USA 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 the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

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

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

Lab & X-rays

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

Physical Therapy

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

In-Patient

Hospital Room

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

Surgical Treatment

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

Hospital Intensive Care Unit

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

Drug/Alcohol Abuse

Not Covered

Emergency Services

Ambulance Expenses

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum

Emergency Room(ER)

After deductible, In-Network: plan pays 100% up to the policy maximum.
Outside PPO Network: 80% for the first $5,000 and then 100% up to the policy maximum.
Extra $200 deductible applies to ER visits for sickness that does not lead to immediate hospitalization.

Dental

Acute, spontaneous and unexpected pain

$250 Covered

Accidental emergency

Not Covered

Travel

Emergency Medical Evacuation / Repatriation

100% up to $2,000,000

Return of Remains

Up to $50,000

Emergency Reunion

$15,000

Return of minor Child(ren)

$5,000

Trip Interruption

$5,000

Loss of checked Baggage

$1,000

Life

AD&D

$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 $1,000 for an Unexpected recurrence of a pre-existing condition

Maternity

Not Covered

General Physical full Checkup

Not Covered

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

Non-US citizens and non-US residents, traveling anywhere outside their home country including the USA.

Deductible Content

In Network: $0
Out of Network: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

Plan Type

Comprehensive Coverage Plan Percentage based coverage.

AM Best Rating

B+

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Covered

Co-Pay

$30 co-pay applies only to Urgent Care visits. Co pay is waived if $0 deductible is chosen in application

Travel Coverage

Yes

Co-Insurance

Within PPO Network: 100% covered up to policy maximum Outside PPO Network: First 20% up to $5,000, and then 100% up to policy maximum.

How the Benefits are Paid

After the deductible, within PPO network: The plan pays 100% of eligible expenses up to policy maximum.
After the deductible, outside PPO network: The program pays 80% of the first $10,000 of eligible expenses; then it pays 100% up to the policy maximum.

Coverage Type

Lifetime of the policy

Deductible Type

Choose between deductible based per policy period

Renewability

Yes, has to be renewed before policy expires. Renewal option available up to a maximum of 2 years.

Cancellation

Yes, only if cancellation request is received before the effective date.

PPO Network

First Health PPO Network

Coverage Length

5 days - 1 year
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 64 years: $50,000, $100,000, $250,000 $500,000 and $1,000,000
Ages: 70-79: $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 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 Insurance FAQs

Q1: Which doctor or hospital can I go to?

The PPO provider for Safe Travels USA Insurance is First Health Network. These PPO Networks are independent organizations and are recognized by all major hospitals, doctors, and health facilities. Out-of-Network expenses are also covered but we recommend going to a doctor or hospital listed under this PPO network for negotiated prices.
You can search for doctor or hospital in this Provider Directory.

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 USA Insurance has on flight coverage from home country to the U.S. 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)

Q5: Do I have to pay upfront at the doctor's office or are they going to 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 a 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 concerning 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 all 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.
This plan is renewable, so you can renew it anytime before the policy expires. There is no renewal fee.

Q9: 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 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.

Q10: I am traveling and I am pregnant. Will your plan cover me?

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

Q11: Does this plan cover for pre-existing conditions?

Like all other travel insurance policies, the Safe Travels USA 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.

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.