Safe Travels USA Comprehensive

Safe Travels USA Comprehensive is a comprehensive travel medical insurance plan designed for visitors to the USA. The plan provides coverage to non-US citizens who reside outside the USA and are traveling outside of their home country to visit solely the U.S., or U.S. and other countries worldwide. Coverage can be purchased for a minimum of 5 days up to 364 days. For ages 1 year to 89 years old. The plan offers policy maximums from $50,000 to $1,000,000 and a wide choice of deductibles ranging from $0 to $5,000. In the U.S. after the deductible is satisfied, the plan pays up to 100% of eligible medical expenses. The plan offers coverage for sudden and acute onset of pre-existing conditions for individuals below 70 years of age. The plan provides coverage for medical expenses, emergency medical and political evacuation, repatriation of remains, trip interruption, Lost baggage, and accidental death & dismemberment. It also offers a wellness visit benefit for a $125 Co-pay. The plan uses the First Health PPO network, a subsidiary of Aetna Insurance. The plan offers optional return to home country coverage, optional sports activity coverage, and AD&D optional benefit upgrade. Safe Travels USA Comprehensive Insurance covers COVID-19 treatment just like any other new medical condition that occurs after the effective date of the policy. Safe Travels USA Comprehensive is underwritten by Crum and Forster SPC, rated A by A.M. Best.

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Plan Brochure

Sample Description of Coverage

Key Highlights

Offers coverage for Acute Onset of Pre-Existing Conditions
Medical Maximum Up to $1,000,000
Coinsurance 100% up to the policy maximum
Emergency Medical Evacuation Up to $2,000,000
Repatriation of Mortal Remains up to $50,000
Medically Necessary Repatriation Up to $15,000
Emergency Reunion Up to $15,000
Prescription Drugs are Covered
COVID-19 coverage included
Urgent Care, Ambulance Service, Dental Treatment, Cardiac Conditions, Well Doctor Visit, Accidental Death and Dismemberment, Telemedicine, Travel Assistance

Note:

Please review Safe Travels USA Comprehensive policy documents for complete coverage and exclusions.

Plan Details
Out-Patient
In-Patient
Emergency Services
Dental Coverage
Travel Coverage
Life Coverage
Support
Other
Medical Coverage
Pre-existing Conditions
COVID-19 Benefits

Plan Details

Insurance Provider	Trawick International
Plan Underwriter	C&F Crum & Forster
Plan Category	Travel Medical Insurance
Plan Type	Comprehensive Coverage
PPO Network	United healthcare PPO

Out-Patient

Medical treatment that does not include an overnight stay at a hospital.

Dr. / Physician Visit	In-Network 100% up to policy maximum Out-Network 100% up to policy maximum
Urgent Care	In-Network $30 copay, 100% up to Policy Maximum Out-Network $30 copay, 100% up to Policy Maximum
Surgical Treatment	In-Network 100% up to policy maximum Out-Network 100% up to policy maximum
Prescription Drugs / Medicines	100% up to policy maximum
Lab & X-rays	In-Network 100% up to policy maximum Out-Network 100% up to policy maximum
Physical Therapy	$50 per day, up to 10 visits per Policy Period

In-Patient

Medical treatment that includes an overnight stay at a hospital.

Hospital Room and Board	In-Network Average semi-private room and rate Out-Network Average semi-private room and rate
Surgical Treatment	In-Network 100% up to policy maximum Out-Network 100% up to policy maximum
Hospital Intensive Care Unit	In Network or Out of Network: Plan pays 100% up to policy max
Dr. / Physician Visit	In-Network 100% up to policy maximum Out-Network 100% up to policy maximum

Emergency Services

Hospital emergency services (certain limits may apply).

Ambulance Expenses	In-Network Up to policy maximum Out-Network up to Policy Maximum
Emergency Room	In-Network URC up to policy maximum Out-Network URC up to policy maximum

Dental Coverage

Treatment for injury to or acute and spontaneous pain in sound natural teeth.

Acute, spontaneous and unexpected pain	$250 Covered
Accidental emergency	$250 Covered
Dental Emergency	Up to $250

Travel Coverage

Travel-related coverage

Emergency Medical Evacuation / Repatriation	Up to $1,000,000
Return of mortal remains	Up to $50,000
Emergency Reunion	$15,000 Per policy period
Return of minor child(ren)	Yes, up to $5,000
Trip Interruption	Up to $5,000
Loss of checked baggage	Yes, up to $1,000 ($75 per item)
US Border Entry Protection	Not covered
Return of Mortal Remains	Up to $50,000
Trip Delay	No coverage
Lost Luggage	Upto $1,000
Terrorism	No coverage
Personal Liability	No coverage
Identity Theft	No coverage
Legal Fees	No coverage
Lost or Stolen Passport	No coverage
Missed Connection	No coverage

Life Coverage

Life coverage

AD&D	$25,000 Optional Rider available (see brochure for details)
Common Carrier Accidental Death	$25,000 Optional Rider available (see brochure for details)

Support

24-Hrs Emergency Assistance

Yes. Contact Number and details can be found on the ID card.

Other

Other types of coverage not mentioned above.

COVID-19 Coverage	This plan covers COVID-19 like any other covered medical condition. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
Pre-Existing Conditions	Acute onset of pre-existing conditions coverage up to policy maximum for those under the age of 70. For cardiac conditions related to a pre-existing condition it covers $25,000 for people 69 years of age and under.
Maternity	Emergency medical treatment of pregnancy up to $1,000 per policy period
General Physical full Checkup	Up to $75 (must be used with 21 days of policy effective date). Policy must be purchased for minimum of 30 days for this benefit to be effective
Terrorism Coverage	Not Covered
Brochure	Safe Travels USA Comprehensive Insurance Brochure
Doctor Wellness Visit	Up to $125 1.The visit must occur within the first 21 days from the effective date of coverage 2. The Covered Person must purchase at least 30 days of coverage initially
Preferred Rates	Not Available

Medical Coverage

Medical coverage details.

Eligible Medical Expenses

In-Network
100% up to policy maximum
Out-Network
100% up to policy maximum

Pre-existing Conditions

Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.

Pre-Existing Conditions	Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions.
Acute onset Pre-Existing Condition	Up to Policy Maximum: age 69 and below Up to $35,000: age 70 to 79 Up to $20,000: age 80 and above

COVID-19 Benefits

Covid-19 related benefits and coverage

COVID-19 Medical Coverage	This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions.
COVID-19 Testing	Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date
COVID-19 Vaccine/Booster	No Coverage
COVID-19 Quarantine Coverage	No Coverage