Safe Travels USA
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 80% up to the policy maximum.
COVID-19 Excluded
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
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 
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 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
C&F Crum & Forster
AM Best Rating
A (Excellent)
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.
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 extended before the policy expires. Extension option available up to a maximum of 2 years.
Cancellation
Yes, only if cancellation request is received before the effective date.
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
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. | |
| 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: | |
| 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. | |
| 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 extension 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. | |
| Q15: Does Safe Travels USA cover the Coronavirus vaccination? Safe Travels USA 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. | |
| Q16. 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. | |
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.
