Trawick International Insurance - FAQ's

1. What are the Trawick international insurance plans available for visitors to USA ?
There are several US visitors insurance plans offered by Trawick international for visitors to USA. Trawick offers more affordable fixed benefits plans namely 'Safe Travel Visitors to USA' and 'Safe Travel visitors Diamond for Seniors', as well as comprehensive coverage plans like 'Safe Travel USA comprehensive'. You can compare the different plan options at:
The Safe travels International satisfies Schengen visa requirements when purchased with a $0 deductible.
Safe Travels International - Plan details

Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups. Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.

Yes, Trawick international US travel insurance and international travel insurance plans cover covid19 illness. Trawick International Covid Insurance covers coronavirus illness like any other sickness.

If you reside outside the US and are traveling to the US, there are four Covid US travel insurance that will cover coronavirus sickness. You can compare Safe Travels USA insurance. The main differences are the coverage for pre-existing medical conditions that are covered best by the Safe Travels USA Comprehensive and the Safe Travels for Visitors Gold (through Platinum). These Coronavirus visitor insurance for USA offer coverage for “acute onset” of pre-existing conditions up to $35,000 for persons under 70 and $25,000 for persons 70 and over; they also allow $15,000 for cardiac issues. Otherwise, plans only cover up to $1000 for the acute onset of pre-existing conditions.

If you reside in the US and travel outside the US, you can purchase Safe Travels Outbound or Safe Travels Outbound Cost Saver that will cover coronavirus sickness. We highly recommend Safe Travels Outbound if you are traveling to island nations, such as Turks and Caicos, Tahiti, or other remote locations because they offer $500,000 for emergency medical evacuation. It is also considered a primary plan and will pay before any other policy you may have. The Safe Travels Outbound Cost Saver, however, allows for $100,000 for MedEvac which may be sufficient in many circumstances. The policy is available for a minimum of five days for up to 180 days.

If you reside outside the US and are traveling to a country other than the US, you can purchase the Safe Travels International or Safe Travels International Cost Saver plans. In the confirmation email after your purchase there will a link to download the VISA LETTER (one per person on the policy) which specifically highlights the coverage of the plan and states it covers COVID-19 as any other illness.

The plan pays after any other insurance that you have pays which pays for your claims. The other coverage can be either medical, homeowners, Medicare, another travel coverage, or workers compensation to name a few. If no other coverage exists then this plan becomes the primary cover. You can read this article to know the different between primary and excess coverage:
Primary vs Excess coverage
Safe travel USA comprehensive which offers the following coverage:
Up to age 69: Coverage up to the maximum limit per period of coverage
Age 70: Up to $25,000 per period of coverage
Maximum lifetime limit for emergency medical evacuation $25,000
Cardiac related condition:
Under 69 years - $25,000
70 years and above - $15,000
Safe Travel USA Comprehensive - More details
Trawick International has several financially stable companies as underwriters including Crum & Forster, SPC. They have the AM Best rating when it comes to the company’s financial stability. They rate Crum & Forster, SPC as “A (Excellent)”. For the travelers going to US, they have plans providing primary coverage and secondary coverage. The Safe Travels USA provides primary coverage and covers the incurred expenses and the Safe Travels USA Cost Saver provides secondary coverage and covers the remaining expenses not covered by the primary plan. These are comprehensive options and provide easy access to safe, cost effective and high quality health care.
Yes. Trawick International insurance company provide their service to individuals who do not come through an agent as well as for those who come through an insurance agent, travel agent, missionary groups…
Trawick travel insurance plans can be purchased either prior to the start of your travel or after the travel has begun and it can be made effective as early as the next day of purchase. Trip protection plans can be purchased any time before the trip begins but the benefits might become limited if the plan is not purchased before specific number of days after the trip has been planned and has been invested on.
Yes. You can still purchase the insurance even after the trip has begun. It is important to be aware among several available plans which suits our needs. The Safe Travels International Cost Saver and the Safe Travels USA Cost Saver can be purchased after the trip has started. Safe Travels International and Safe Travels USA are the plans that definitely need to be purchased before the trip begins.
The coverage can become effective as early as within 24 hours after the purchase of the plan.
A pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not.
No. Medicare coverage in US is not available in other countries and will not cover while outside of US. Trawick International’s plans provide coverage for traveling outside the country.
Often health care in other foreign countries other than US is cheaper. If you go overseas, it is better to sign up for a travel insurance apart from the Medigap policies as it becomes flexible to get cover in the event of emergency while outside US. This will relieve you from paying every month for a supplemental policy that covers overseas travel. Although Medigap plans C, D, E ,F,G,H,I and J pay 80% of the billed charges for the medically necessary emergency while outside US after you meet a deductible of $250 per year, they do not cover medical evacuation and repatriation.
Yes. The Trawick international plans like the Safe Travel International plan covers anyone traveling outside of their home country.
Safe Travel International plan from Trawick International meets the Schengen Visa requirements. This plan needs to be purchased with $0 deductible and a policy maximum of $50,000. These plans cover emergency medical evacuation and repatriation. You will receive a link in the confirmation email for the Visa letter through which you can download it.
Yes. Trawick International plans does provide the Trip interruption benefit. The trip interruption covers the one way cost and for the ticket in case of any unforeseen events like the death of a family member. The Safe trip Protection plan covers the lost trip expenses with some restriction in case you lose a close family member.
There are 2 kinds of insurance in US. Primary and Secondary. An individual can have both of these insurance plans. In case of a medical expense, the primary plan pays first and if the primary plan has left something unpaid the secondary plan picks that up and pays for it. The term ‘Excess’ says that it is a secondary plan. This is the plan the needs to be purchased when the individual already has a primary plan. After the primary plan has made the payment the secondary will pay for the left or denied claim payment.
For Trawick International Policy Cancellation : If your travel plan is cancelled you have to submit a written request to, for cancellation and refund of your premium.
Cancellation before effective date:
  • A full refund would be considered
Cancellation after effective datethe 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.

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