Safe Travels USA Comprehensive travel insurance
Ideal for Acute on set of pre-existing conditionsGreen card holders
Safe Travels USA Comprehensive insurance review
Safe Travels USA Comprehensive visitor medical insurance is an EXCESS temporary accident and sickness medical coverage. This plan is available for Non-US citizens while traveling to the USA. Covers Unexpected Recurrence of a Pre-existing condition. Travelers aged up to 89 years of age visiting USA and on transit visa in the US can buy this medical insurance for their stay. This plan also available for Green Card holdersKey benefits of Safe Travels USA Comprehensive Comprehensive
Pre-existing conditions
Urgent Care
Cardiac Conditions or Treatment
Emergency medical evacuation
Pregnancy
Optional Sports Coverage
Safe Travels USA Comprehensive Insurance - Key Highlights
- Safe Travels USA Comprehensive plan is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries
- This plan is available for green card holders.
- The policy provides maximum options starting from $50,000 and options of $100,000, $250,000, $500,000 up to $1,000,000.
- This travel insurance plan is available for travelers up to 89 years of age.
- The deductible options available on the plan are $0, $100, $250, $500, $1000, $2500, and $5000.
- Optional riders for AD&D upgrade, Incidental home country coverage, and sports activities are available on this plan.
- Emergency medical Evacuation available up to $2,000,000
- Coverage for acute onset of pre-existing conditions is included and a coverage of $25,000 is available for any covered condition.
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Advantages and Disadvantages of Safe Travel USA Comprehensive Insurance
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Safe Travel USA Comprehensive Insurance Advantages
- It is a comprehensive benefit plan.
- Safe Travels USA Comprehensive plan is available for green card holders.
- Good provider network.
- Optional rider cover for Sports activity coverage, AD&D, Return to home country Coverage and hazardous activities.
- Coinsurance is 80% of the first $5,000 of covered expenses then 100% up to the policy maximum
- It offers pre-existing condition coverage.
-
Safe Travel USA Comprehensive Insurance Disadvantages
- This plan is not available for travelers age 90 or above.
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
An Overview of Safe Travels USA Comprehensive
Eligibility
- For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.
- Travelers up to the age of 89 years.
Renewability
- Coverage is available from 5 days to 12 months.
- Safe Travels USA Insurance can be renewed online
Pre-existing condition
- Offers Acute onset of pre-existing coverage up to the age of 70 years.
- $25,000 maximum limit for emergency medical evacuation.
Cancellation
- Before effective date: Full refund of premium is available.
- After effective date $50 cancellation fee will be charged by the insurance company.
Coinsurance
The plan pays 90% of the first $2,500 then 100% up to the policy maximum.
Restrictions
This plan is not available for Antarctica and Nigerians.
A working example of using Safe Travels USA Comprehensive *
- Insurance coverage is $50,000
- Deductible is $100 per certificate period
- Coinsurance for claims incurred Out of Network: After the deductible, 100% up to the Policy Maximum
- Total medical expenses is $25,100
The insured must pay the deductible ($100) before the insurance plan pays anything. Since the policy maximum coverage is $50,000. and the total amount billed is $25,000, the policy will pay 100% up to the Policy Maximum ($50,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,100 while the insurance company will cover the remaining $24,000.
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Days in hospital | $9,000 | $8,000($4,000 + $4,000(80% of first $5,000)) | $1,000 (20% of first $5,000) |
| Surgery | $15,000 | $15,000 | $0 |
| X Ray | $1,000 | $1,000 | $0 |
| Total: | $25,100 | $24,000 | $1,100 |
Safe Travels USA Comprehensive - FAQ's
For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.
Cancellation before effective date:
- A full refund would be considered
Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:
- If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
- If no claims have been filed with the Company, then
-
- a cancellation fee of US $25 will be charged;
- only full month premiums will be considered as refundable;
- If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.
The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA Comprehensive is also available for US citizens and US permanent residents (Green card holders).
Safe travels USA comprehensive policy will cover COVID-19, but the insurance company ask you to pre-certify coverage (that is, call the insurance company before seeking testing or treatment).
Useful information from the ID card:
Phone numbers for insurance company (on back of ID card):
Pre-certification/Benefits/Eligibility/Claim Status: 866-696-0409 (hospital
can call to get status of benefits on policy) Electronic Claims
(EDI) should be sent to Payor ID: 14829
24-hr emergency assistance: 888-699-1401
This is the form you can use for your dental expenses and the prescription
medication (but file separate forms). For the claims form, you can use this
link (it has instructions, addresses, etc on it):
Medical claim form
Safe Travels USA insurance - PPO network
If you have this logo on your ID Card:
You can find a provider in the USA by using the following link www.firsthealthinternational.com
Please note: there are no Pharmacies or Dental Providers listed as In-Network for First Heath PPO. All Dental Providers and Pharmacies are Out of Network and any Out of Network Deductible will apply to eligible claims.
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