Health Insurance is one of the high priority items when it comes to travel outside of the home country. There are many health insurance companies which provide short term insurance for foreign nationals during their stay in the US or outside their home countries.
Having health insurance is a good thing but what if a person has two plans? Does it mean they are covered for double the coverage in terms of benefits? Not exactly, but having two health insurance plans does help to cover the medical expenses better through co-ordination of benefits provision. You might be thinking that why there is need to buy two plans when we can have one plan and get the necessary coverage.
Sometimes there are situations when you already have a plan and you need a plan for your partner or someone accompanying you who need extra benefits or benefits or different things which might not be available in your plan even though you can add them on your plan.
The good thing is that the health insurance have a co-ordination of benefit system that finds a way for both the plans to pay their fair share. The first way the health insurance providers coordinate benefits is to determine which the primary plan is and which plan would be considered the secondary plan. There are guidelines followed to determine this.
Trawick International offers visitor medical insurance for coronavirus (covid-19) with their Safe Travels USA Insurance.The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years.
You can compare all Safe Travels USA Insurance plans compare all Safe Travels USA Insurance plans and buy it online to get coverage as early as the following day.As ever, we wish you safe and happy travels. Do call us with questions or concerns you may have.
The Primary insurance plan is the one that starts to pay as soon as there is an unexpected injury/illness or when there is a medical expense without assuming that there is a secondary plan. In other words, the primary plan should pay regardless of the existence of the secondary plan just as if the patient had only the primary plan to cover him/her.
The Secondary health insurance plan unlike the Primary under the coordination of benefits provision will then take into consideration the expenses that were not covered by the primary plan and will be considered for payment under the Secondary plan. Therefore, the Secondary plan will fill any gaps found in coverage from the Primary plan.
Trawick International has two plans which work like Primary plans for people going on international travel. The Safe Travels International plan (for travel outside the US) and the Safe Travels USA plan are both Primary plans which will begin to pay in the event of a covered illness or accident. Note their language here:
We will pay Accident and Sickness Medical Expenses up to the Maximum Benefit as outlined in the Schedule of Benefits and after each Insured satisfies any Deductible, without regard to any other Health Care Plan benefits payable for the Insured. We will pay these benefits without regard to any Coordination of Benefits provision in any other Health Care Plan.
Choosing a Primary Benefit plan can put your mind at ease in that the payment process will begin immediately, instead of taking a long time (as we are so accustomed to) for claims to process and then come back.
Most of the policies we offer at American Visitor Insurance, specify that they are secondary to any other insurance that a person has. So, these will wait until any other payments are made before they kick in and pay out medical expense benefits. For example, if you are in a car accident and it was not your fault, the driver may have some coverage for any injuries.
However, perhaps they have a $25,000 maximum medical benefit and your bills come to $40,000. In that case, the secondary insurance will finish up paying those bills for you. On the other hand, our insurance companies are well aware that they cover foreign nationals away from home without any home coverage to count on.
They will pay benefits much more quickly than domestic plans which seems to take a very long time to process even our routine, wellness checks.
As examples, Safe Travels International Cost Saver (for travel outside the US) and Safe Travels USA Cost Saver (for travel to the US), are both secondary plans to any other coverage the person may have. Again, a foreign national is unlikely to have any other coverage, but as I mentioned in the case of an accident, some health insurance can kick in from a different person depending on the situation.
Nevertheless, our customers should feel reassured to know that all our companies pay out hundreds of thousands of dollars of claims all over the world and they have great expertise in helping their clients in whatever situation they find themselves!
In any event, we know that having one of our plans will greatly help should anything arise while on a trip in the US or abroad. If you have further questions or concerns, do let us know and we can assist you in finding the right plan for you.
Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon.
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I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100.
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I am pleased to say that your company is very professional in the field of Insurance.
The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need.
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Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:
Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.
The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.
Yes, In case of hospitalization one of the insurance can start paying first and that insurance cover becomes the “primary” insurance. Which will pay up to the coverage limits, once the primary insurance has paid its share, the remaining bill can be paid by the “secondary” insurance (Second Insurance)
No, the primary insurance cover will pay up to the limit of its coverage. And the secondary insurance cover will pay the costs that the primary insurer didn't cover.
It’s best to check with the secondary insurance provider of the percentage of the uncovered costs, as not all the uncovered costs will be paid.
Here are some travel insurance tips for travelers with pre-existing conditions
The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions
The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.
Safe Travels USA Comprehensive and Safe Travels Elite plans from Trawick International offer Acute onset of Pre-existing condition coverage up to 89 years. Safe Travels USA and Safe Travels USA Cost Saver cover unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years for residents visiting USA and worldwide.
For Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1k. Another plan Safe Travels Outbound has a pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside the US.
There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.
At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.
Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Safe Travels Voyager, Safe Travels Single Trip Protection, Safe Travels First Class Trip Protection, Safe Travels Explorer Plus and Safe Travels Journey plans and they can cover acute onset of pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for acute onset of pre-existing conditions. It is Trawick International’s Safe Travels USA Comprehensive.
Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
Trawick International’s Safe Travels USA Comprehensive covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35k, with a $25k Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute onset of Pre-existing condition coverage and will not be eligible for additional coverage.
Safe Travels USA Comprehensive and Safe Travels Elite from Trawick International offers acute onset of Pre-existing condition coverage up to 89 years, Safe Travels USA and Safe Travels USA Cost Saver covers unexpected recurrence of a pre-existing medical conditions up to $1k for age up to 89 years for residents visiting USA and worldwide. For the Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1k. Another plan Safe Travels Outbound have pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside of the US.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.