The Safe Travels Explorer Plus plan provides coverage for pre-existing medical conditions when purchased within 7 days of initial trip deposit date. This budget-friendly travel protection plan is designed for leisure or business travel for domestic and international trips. It offers excess medical coverage for accident and sickness up to $50k and trip cancellation and interruption up to $30k. Trip delay is covered up to $1k for potential accommodations/lodging expenses and $200k for Emergency medical evacuation and repatriation. Car rental damage up to $25k (Not available in NY or TX).This plan is only available to U.S. Citizens and U.S. Residents.
Optional Rental Car Damage Coverage
Emergency Medical Coverage
10 Day Free Look Period
Pre-existing condition exclusion waiver Covered
Safe Travels Explorer Plus Trip Protection Insurance offers coverage to US citizens and US residents. It covers Trip Cancellation coverage from $150 to $10k.
The Safe Travels Explorer Plus plan features everything in the Safe Travels Explorer plan as well as coverage for Pre-Existing Medical Conditions when purchased within 7 days of initial trip deposit date. This budget-friendly travel protection plan is designed for leisure or business travel for domestic and international trips. It offers excess medical coverage for accident and sickness up to $50,000 and trip cancellation and interruption up to $30k. Trip delay is covered up to $1k for potential accommodations/lodging expenses and $200k for emergency medical evacuation and repatriation. Optional car rental damage up to $25k (Not available in NY or TX).
For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to firstname.lastname@example.org for cancellation and refund of your travel medical insurance premium cost.
Cancellation before effective date:
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:
Covid is treated as any other illness under all of Trawick's trip cancellation plans. If a traveler (or travel companion) test positive and cannot go that is a covered reason to contact claims for reimbursement on insured trip costs.
Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.
These are short term travel medical insurance designed for anyone, as long as they are outside their home country.
The cost of the Trawick’s travel insurance will vary depending on the age of the traveller, 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.
Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country since 1998, for over 25 years now. They have designed their products for those traveling to the USA, individuals traveling abroad outside their home country, US Citizens traveling both within the USA and overseas as well as non-US citizens traveling overseas but not visiting the USA.
They offer many 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
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
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.
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.
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.
|Trip Cancellation||100% of Trip cost up to $30k|
|Trip Interruption||Up to 100% of Trip cost|
|Travel Delay||$1k($150/day)(12 hours or more)|
|Baggage Coverage||$750 ($200 Per Article Limit, $500 Combined Article Limit)|
|Baggage Delay Coverage||$200 (24 hours or more)|
|Emergency Accident & Sickness Medical Expense||$50k|
|Emergency Evacuation & Repatriation||$200k|
|AD&D - Air Flight Accident||$20k|
|Rental Car Damage - Optional||$25k|
|Pre-Existing Coverage||Included Within 7 Days of Deposit|
Provider network and how to find hospital or doctor?
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.If you have this logo on your ID Card:
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