Safe Travels for Visitors to the USA -Travel Medical Insurance Plan
22 Jul. 2023
Safe Travels for Visitors to the USA -Travel Medical Insurance Plan
Safe Travels for Visitors to the USA is a travel medical insurance plan that provides pre-defined amounts for medical coverage and emergency services to non-US citizens who reside outside the USA and are traveling outside their Home country while visiting the U.S. or the U.S. and Worldwide
This plan is a fixed dollar-based limited coverage plan. This plan pays a pre-defined fixed dollar amount for every service or treatment (These payable specific amounts are mentioned in the plan brochure and description of coverage).
Available for persons traveling to USA & North America from other countries
Available to you, Your Spouse, Traveling Companion, and/or dependent children/ grandchildren on the same application
A Scheduled Benefits Accident and Sickness Medical Coverage
Includes Medically necessary treatment for COVID-19, SARS-Cov-2
Emergency Medical Evacuation and Repatriation Cover
Policy Maximum is just the outer limit, there are limits to every service or treatment
General Details of Safe Travels for Visitors to the USA Plan
- Administrator Trawick International
- Coverage Type: Limited Coverage
- A.M.Best Rating: A
- A Limited Coverage Travel Medical Insurance Plan
- Provides Pre-Defined amount for Medical Coverage & Emergency Services
- While in the USA, after the deductible is satisfied within the First Health PPO Network, the plan pays up to the stated amount in the policy document for each covered treatment or service
- For visitors to the USA during travel & temporary stay outside of their Home Country
- Coverage is available from 5 days to up to a maximum period of 364 days
- Five days is the minimum premium acceptable renewal premium and 12 months premium is the max
- Covers Sudden and Acute Onset of Pre-Existing Conditions
- Does not cover Pre-Existing Conditions
- Coverage may be renewed if it is initially purchased for a minimum of 5 days
- The Plan is available for ages 14 days to 89 years
- The Plan is not available for ages 90 years and above
- The plan is extendable for up to 24 Months
- The total policy period cannot exceed 24 months
- There is no grace period once the policy has lapsed (You would have to reapply)
- The Policy does not cover any type of sports injury or sickness
Safe Travels for Visitors to the USA Coverage
- Emergency Medical Evacuation: Up to $100,000
- Repatriation of Remains: Up to $25,000
- Natural Disaster, Political Evacuation & Repatriation: Up to $2,000
- AD&D Felonious Assault: Up to $10,000
- Return to Home Coverage: Max Up to $7,500
- AD&D Common Carrier: Up to $35,000
- COVID-19 Expenses: Covered and Treated like any other Sickness
Safe Travels for Visitors to the USA Eligibility
- For Non-U.S. citizens and Non-U.S. Residents traveling to the USA
- The Insured must arrive in the USA before traveling to any other country
- Covers International Trips for a max of 180 days (Must arrive in the USA first)
- For ages 14 days to 89 years
- Coverage for a min 5 days to a max 364 days
Key Travel Medical Insurance Benefits
This limited coverage plan provides several key benefits, including:
- Basic Coverage Plan: The plan is a limited coverage plan that provides basic and pre-defined amounts for medical coverage and emergency services
- Medical Coverage during Travel: The plan provides medical coverage for unexpected sickness or injury during travel
- Acute Onset of Pre-Existing Conditions: The plan covers sudden and acute onset of pre-existing conditions, up to the medical policy maximum purchased per policy period, except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above
- Urgent Care: The plan covers urgent care, which is medical care that requires prompt attention but is not an emergency
- Extendable and Cancelable: The plan is extendable and cancelable, providing flexibility for travelers
- Medical Evacuation: The plan covers medical evacuation in an emergency, which is the transportation of a patient to the nearest medical facility capable of providing adequate treatment
- COVID-19 Coverage: The plan includes the coverage for COVID-19, given the ongoing pandemic is important
- Coverage: Coverage from 5 days to 364 days
If you are keen to have pre-existing condition coverage then please note, plans available with OnshoreKare that offer pre-existing medical condition coverage benefits:
- Best Visitors Insurance Plans for Pre-Existing Medical Conditions
- Visitors Protect– Travel Insurance for Pre-Existing Conditions
Explore these travel insurance plans, you also have the option to consider travel assistance plans that offer pre-existing conditions coverage.
And, travel insurance plans with pre-existing conditions coverage for Seniors travelers.
First Health PPO network
The plan participates in the first health PPO Network however you are free to visit any doctor or hospital of your choice
- By visiting an in-network provider rates may be lowered
Safe Travels for visitors to the USA plan Medical Schedule of Benefits
Policy Maximums
Overall Policy Maximums for ages 14 days to Age 69 years
- Economy: $25,000
- Basic: $50,000
- Silver: $75,000
- Gold: $100,000
- Platinum: $175,000
Policy Maximums for ages 50 Years to Age 89 years
- Diamond: $50,000 (Annual Max)
- Diamond Plus: 100,000 (Annual Max)
Acute onset of Cardiac Conditions/Treatment (Per Policy Period Limited)
- Economy: $25,000
- Basic: $25,000
- Silver: $25,000
- Gold: $25,000
- Platinum: $25,000
- Diamond: $15,000
- Diamond Plus: $15,000
Deductible Options (Per Incidence)
- Economy: $0
- Basic: $0
- Silver: $0
- Gold: $0
- Platinum: $0
- Diamond: $100 or $200
- Diamond Plus: $100 or $200
Medical Expense Benefits
If a covered Sickness or Injury occurs during the policy period and the covered Person requires medical or surgical treatment, Then
Benefits are provided for the following covered expenses
Inpatient Hospital Benefits
In simple words, Inpatient means a person was admitted to an approved Hospital or another Healthcare facility for a medical overnight stay
Inpatient Hospitalization services as specified in the schedule of benefits include, but are not limited to:
- Hospital Room & Board Expenses
- Hospital Intensive Care Unit Services
- Inpatient Ancillary Hospital Services
- Physician’s Surgical Treatment
- Anesthetist
- Assistant Physician’s Surgeon
- Physician’s Non-Surgical Visits
- Consulting Physician (When requested by attending Physician)
- Private Duty Nurse
- Pre-Admission Test within seven days of Admission
Outpatient Benefits
In simple words, Outpatient means a person was admitted to an approved Hospital or another healthcare facility for treatment but does not require an overnight stay
Outpatient Hospitalization services as specified in the schedule of Benefits include, but are not limited to:
- Physician’s Surgical Treatment
- Scans, PET Scans or MRI
- Diagnostic X-rays & Lab Services
- Anesthetist
- Prescription Drugs & Medications
- Physician’s Visits/Urgent Care or Telemedicine
- Hospital Emergency Room Visits
Additional Benefits
- Common Carrier Accidental Death & Dismemberment (AD&D)
- Felonious Assault
- Return to Home Coverage
Additional Medical Treatment and Services
- Medically Necessary Treatment for COVID-19, SARS-Cov-2, and any mutation or variation of SARS-Cov-2
- Acute Onset of a Pre-Existing Medical Condition
- Well Doctor Visit
- Emergency Dental Treatment & Restoration of Sound Natural Teeth
- Initial Orthopedic Prosthesis/Brace
- Mental or Nervous Disorder or Treatment
- Physiotherapy Physical Medicine/Chiropractic Expenses
Transportation Expenses
- Ambulance Service Benefits
- Emergency Medical Evacuation
- Medical Repatriation
- Natural Disasters, Political Evacuation, and Repatriation
- Repatriation Of Mortal Remains
- Local Burial/Cremation
Similar Plans
Pre-Existing Condition Coverage Benefits
Covers Acute onset of pre-existing conditions:
For ages up to and including age 69: Limit up to the Medical Policy Purchased (Per Policy Period)
- Except for any coverage related to cardiac disease or condition which is limited to $25,000
For ages 70 and above:
- Up on attaining age 70-79
- Acute onset benefits will be reduced to a medical maximum of up to $35,000 with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
- Up on attaining age 80
- Acute onset benefits will be reduced to a medical maximum of up to $15,000 with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.
Any repeat/reoccurrence within the same Policy Period will no longer be considered and will not be eligible for additional coverage.
A Pre-Existing Medical Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs, or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset.
This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing Condition.
Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and Onset are no longer acute or you are discharged from a medical facility
NOTE: Once the policy has lapsed and you reapply for a new policy, The pre-existing condition exclusion, deductible, and co-insurance start over
Frequently Asked Questions
Who is eligible for the Plan?
Non-U.S. Citizens traveling to the United States for Business, Study or Pleasure are eligible
Can we extend the Plan?
Yes, it is an extendable plan, You can extend coverage in increments of 5 days to 364 days
What is the extension fee for the plan?
The extension fee charged for the plan is $5. you can extend the policy online
Can we cancel the Plan?
Yes, this policy is cancellable and you can cancel this policy by writing a request for the cancellation & Refund back.
What is the Cancellation Fee for this policy?
Cancellation fee for this policy is $0. If you cancel the policy, before the effective date
$25 is the cancellation fee that applies if you need to cancel your policy after the effective date
Do I get a full refund if I cancel my policy that is effective?
Once the policy is effective:
- No refund is available if the claim is made
- You can get a refund only if you have not visited any Doctor or provider.
- Only a pro-rated refund is available.
Conclusion
In conclusion, Safe Travels for Visitors to the USA is a Limited Coverage Travel Medical Insurance Plan that Provides Pre-Defined amount for Medical Coverage & Emergency Services designed to provide peace of mind and financial protection for individuals visiting the United States. With coverage for medical expenses, emergency medical evacuation and more also covers Sudden and Acute Onset of Pre-Existing Conditions. This plan offers essential benefits to ensure the well-being and security of visitors during their stay.
