Safe Travels Advantage Insurance for Visitors to the USA
Safe Travels Advantage Insurance is a fixed benefit plan for visitors to the USA and travelers outside home country, purchase coverage from 5 up to 364 days, renewable.
COVID-19 / SARS-CoV-2 / Coronavirus Safe Travels Advantage Insurance plan includes coverage for medically necessary treatment for COVID-19, SARS-CoV2, and any mutation or variant of SARS-CoV2.
Safe Travels Advantage Insurance is a fixed benefit visitor medical insurance plan offering scheduled visitors health insurance coverage for non-U.S. citizens/residents as visitors to the USA, or USA and worldwide. The Safe Travels Advantage plan is available for ages 14 days to 89 years and can be purchased for a minimum coverage duration of 5 days up to a maximum period of 364 days, coverage specially designed for budget conscious visitors to USA and Canada, and including any international travel outside home country to any other nation abroad.
Safe Travels Advantage Insurance is a scheduled benefits visitor insurance policy for accident and sickness offers fixed coverage benefits as listed in the schedule of benefits available n the plan brochure, including Acute-onset of Pre-existing Conditions (includes Cardiac), Covid-19 coverage, medical emergency evacuations, emergency reunions or repatriation of mortal remain as part of the included benefits, please review the plan brochure and summary certificate for details.
- Quote and Buy Safe Travels Advantage Insurance online
- Review the Safe Travels Advantage Insurance Brochure
- Review the Safe Travels Advantage Insurance Certificate
Safe Travels Advantage Insurance is a limited benefit EXCESS temporary Accident and Sickness plan with Medical Evacuation & Repatriation benefits for foreign residents, includes Accidental Death and Dismemberment (AD&D) benefit for both Common Carrier and Felonious Assault, also COVID-19 expenses are covered and treated as any other sickness.
Safe Travels Advantage Insurance is administered by Trawick International and underwritten by Crum & Forster SPC.
Notes: Fixed benefit or scheduled policy with Covid-19 coverage for visitors to the USA, offers acute-onset of pre-existing conditions (includes cardiac conditions). Renewable.
Eligibility: Any foreign resident individuals and/or family, visiting the USA and worldwide, up to the age of 89 years.
Coverage Duration: Minimum of 5 days to maximum of 1 year (364 days)
Amounts:
- Choice of maximum limits: $$25K, $50K, $75K, $100K, $175K
- Deductible (per incident): $0
- Co-insurance: 80% (per Period of Insurance, member pays first 20%)
- Out-of-pocket maximum (per coverage period): $5000
- AD&D benefit: $25K (included), add additional
PPO Network: For treatment received within USA, plan uses FirstHealth Preferred Provider Organization (PPO) network, save costs as NO co-insurance applies when you stay within the Trawick Insurance PPO network to consult a doctor or hospital for medical care.
Renew or Extend: Renewable or extendable with uninterrupted coverage for up to 364 consecutive days (nearly 12 months).
Other Highlights
- Foreign residents visiting the USA
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions included
- Quote & purchase online for single trip
- Child alone without adult purchase allowed
- Optional hazardous sports activity riders
Safe Travels Advantage Insurance Policy Information
Safe Travels Advantage Insurance provides sickness/injury coverage to non-US citizens who reside outside the USA and are traveling outside of their home country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. The insured must arrive in the USA before traveling to other countries. The plan is not available to expat USA citizens or green card holders in the USA. This plan is not available to anyone age 90 years or above. Coverage in countries outside the USA and travelers Home Country is available for up to 180 days during your Policy Period.
Safe Travels Advantage plan is a Limited benefit excess temporary accident and sickness Medical/Evacuation/Repatriation plan for foreign residents coming to the USA. This plan is not available to US Citizens or any individual who has been residing within the United States for more than 365 days. Extendable up to 364 days. COVID-19 expenses are covered and treated as any other sickness.
Safe Travels Advantage Insurance - Plan Overview
Safe Travels Advantage Insurance plan review and highlights of coverage are as follows, insurance plan for medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and accidental death & dismemberment and more:
- Eligiblity: Individuals and families below age 90 years visiting the USA and traveling outside their home country worldwide.
- For non U.S. residents and non U.S. citizens below 90 years, traveling to the USA or USA and then other countries
- This is a Limited Benefit Plan where the maximum amount paid to the provider is scheduled as per the amounts listed on the plan certificate
- Accident and Sickness Medical Policy Maximum Choices $25,000, $50,000, $75,000, $100,000, $175,000
- Deductibles $0, per incident
- Coinsurance – 80%, per Period of Insurance
- Coverage from 5 days to 364 days; renew uninterrupted policy to extend expiration dates up to 2 years (24 consecutive months).
- COVID-19: Plan offers coverage for testing/treatment COVID-19 / coronavirus. COVID-19, SARS-CoV-2 expenses are covered and treated as any other sickness.
- Out of Pocket Maximum per Period of Insurance -$5,000 (Ineligible Charges do not count towards the Out-of-Pocket Maximum)
- Acute Onset of a Pre-Existing Medical Condition up to the policy maximum for ages 0-69, up to $25,000 for ages 70-79 and up to $15,000 Ages 80-89
- Cardiac Conditions or Stroke are limited to $25,000 for Ages 0-69 and $15,000 Ages 70-89
- Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
- Hospital Room and Board Expenses $1,400 -$3,000 per day to a maximum of 30 days
- Physician’s Surgical Treatment $3,500 – $7,500 per Incident
- Physician’s Non-Surgical Visits/Urgent Care $55 – $130 per visit/1 per day /30 visits per Policy Period
- Outpatient Surgical Facility $1,000 – $1,400 per Incident
- Diagnostic X-rays and Lab Services $450 – $1,000 per Incident
- Ambulance Service Benefits $500 – $750 per Incident
- Wellness Visit – covered up to $125 (restrictions apply)
- Pre-Certification Required
- Please view plan details for a complete list of limits by plan
- SureGo Online Claims Administration
- This plan is not available for travel to or in Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, and Russia and other OFAC or restricted countries.
Safe Travels Advantage Insurance Plan Details
Safe Travels Advantage Insurance is available for non-U.S. citizens/residents who are visiting the United States, or while traveling outside home country. This Fixed or Scheduled benefit coverage is suitable budget friendly or value conscious travelers to the U.S., international tourists to America, individuals or family who are on a fixed cost holiday to America. This is a brief summary of the features available in Safe Travels Advantage plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. Limitations and exclusions apply. Please refer to the plan certificate for more details.
| Plan Name | Safe Travels Advantage |
| Quote & Buy Online | Buy Safe Travels Advantage Insurance |
| Renew Coverage Online | Safe Travels Advantage Insurance plan is renewable up to 364 days, if the policy is not lapsed and currently active. |
| Review Plan Brochure | Safe Travels Advantage Insurance Brochure |
| Coverage Period or Duration | Coverage period minimum length of 5 days to maximum of 364 days (12 months) |
| Benefit Period | 180 days (amount of time you have from the date of your injury/illness to receive treatment). |
| Policy Maximum | Choice of in USD: $25,000, $50,000, $75,000, $100,000, $175,000 for age below 70 years. Max. of in USD: $25K or $100K for age 70-89 years. |
| Deductible options (per Incidence) | $0 |
| Co-insurance (per Period of Insurance) | 80% of the first $25,000. Member pays 20% of the first $25,000. |
| Out-of-Pocket-Maximum (per Period of Insurance) | $5,000 (Ineligible Charges do not count towards the Out-of-Pocket Maximum) |
| Hospital Room and Board Expenses: (per day to a maximum of 30 days) |
As in the plan brochure. |
| Hospital Intensive Care Unit Expenses: (Additional per day to a maximum of 10 days) | As in the plan brochure. |
| Inpatient Ancillary Hospital Services | Included under the Hospital Room and Board Expenses. |
| Physician’s Surgical Treatment (per Incident) | As in the plan brochure. |
| Anesthesiologist or Assistant Physician’s Surgical Expense (per Incident) | In the plan brochure |
| Physician’s Non-Surgical Visits | As in the plan brochure. |
| Consulting Physician or Private Duty Nurse (per Incident) | As in the plan brochure. |
| Pre-Admission Test (Per Incident within 7 days of Admission) | As in the plan brochure. |
| Physical Therapy | Physiotherapy, Physical Medicine or Chiropractic covered, as in the plan brochure Must be ordered by attending physician. Usual Reasonable and Customary. |
| Dental Treatment | Covered up to $600- $750 Per Incident. Dental treatment for Injury of Sound Natural Teeth due to Accident |
| Emergency Medical Evacuation | $100,000 or Unlimited (Not Subject to the Deductible) |
| Political/Natural Disaster Evacuation | $500-$2,000 per Period of Insurance (Not Subject to the Deductible) |
| Repatriation of Remains | Return of Mortal Remains up to $7,500 – $25,000 per Period of Insurance (Not Subject to the Deductible) |
| Local Burial/Cremation | $5,000 per Period of Insurance (Not Subject to the Deductible, restrictions apply)
Does not cover funeral costs. Make sure to read the Description of Coverage/Policy for full details of coverage. Pre-existing conditions are not covered. |
| Emergency Reunion | $15,000 (Not Subject to the Deductible) |
| Return of minor Child(ren) | $5,000 – $10,000 per Period of Insurance (Not Subject to the Deductible)
Applies to Travel Companion also |
| Pre-Existing Conditions | Covered up to the policy maximum for ages 0-69 coverage related to Cardiac Conditions or Stroke are limited to $25,000/Covered up to $25,000 for ages 70-79 Cardiac Conditions or Stroke are limited to $25,000 and for ages 80 and above, up to $15,000 including Cardiac Conditions or Stroke.
Note: To qualify for this benefit the pre-existing condition must: occur spontaneously and without advance warning either in the form of Physician recommendations or symptoms; is of short duration, is rapidly progressive, requires urgent and immediate medical care; occur a minimum of 48 hours after your Effective Date; Treatment must be obtained within twenty-four (24) hours of the sudden and Unexpected outbreak or reoccurrence; the Covered Person must not be traveling against or in disregard of the recommendations, established Treatment programs, or medical advice of a Physician or other healthcare provider; the Covered Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition; the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment. Any repeat/reoccurrence within the same Period of Insurance will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage; This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage; This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. |
| Cardiac Conditions or Stroke Limit | $25,000 per Period of Insurance for ages 0-69/$15,000 per Period of Insurance for Ages 70-89 |
| Covid Coverage | Safe Travels Advantage is NOT a Primary Insurance plan Medically Necessary Treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV-2 up to the medical maximum per Period of Insurance. |
| Well Doctor Visit | Covered up to $125 – One Visit per Period of Insurance (below restrictions apply)
|
| Telemedicine | Telephone or Video Physician Visits available through the link provided. This is a non-insurance benefit. This is non insurance service. This is a non-insurance service included by Trawick International in the plan cost and is not a part of the insurance underwritten by Crum & Forster SPC |
| Emergency Medical Evacuation | Physician recommended transportation to another facility for advanced care or to your home country where you can continue care. Must be approved in advance and coordinated by the assistance company to be eligible. |
| Accidental Death &: Dismemberment (AD&D) | $25,000 – $35,000 Principal Sum (Not Subject to the Deductible) |
| Return to Home Coverage | Optional upgrade, as in the plan brochure. |
| Athletic Sports Coverage | Optional Upgrade: Some hazardous sports covered, as in the plan brochure. |
| Exclusions & Limitations | Exclusions apply, see Exclusions & Limitations section in plan certificate for details |
| Pre-certification Requirements | See pre-certification section in plan certificate for details, pre-certification does not guarantee benefits. |
| Claims & Reimbursement | Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator within 90 days Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense Claim payments can be converted to a currency of your choice |
| Cancellation & Refund | Before coverage start date, full plan cost refunded After coverage start date, the unused portion of your plan cost is refunded minus a cancellation fee of $10, if no claims filed under the policy already Note: A written (email) request along with the requiste cancellation form filled ans signed is required. |
| Other Details |
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| Worldwide Assistance | 247/365 Emergency Assistance service included, contact phone number provided on the back of ID card. |
| Plan Administrator | Trawick International handles all policy administration services |
| Claims Administrator | Trawick International handles all claims administration services |
| Insurance Underwriter | Underwritten by Crum & Forster SPC. |
| Ratings of Insurance Company | A.M. Best: “A” (Excellent) and Standard & Poor’s: “A+” (Strong) |
| Quote & Buy Online | Safe Travels Advantage Insurance Quote |
Disclaimer: The information provided on this page is only a summary of the Safe Travels Advantage Insurance plan, be sure to read Safe Travels Advantage Insurance plan brochure for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted.
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by the plan claims administrator.
Safe Travels Advantage Insurance Plan Brochure
Safe Travels Advantage Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.
- Plan Brochure: Safe Travels Advantage Insurance Review of the Safe Travels Advantage Insurance Brochure for policy information, coverage features and plan summary of benefits.
Safe Travels Advantage Insurance Certificate
Safe Travels Advantage Insurance Review of the plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.
- Certificate of Insurance: Review all the policy details available in the Safe Travels Advantage Insurance Certificate which is the detailed sample document of the master policy document.
Safe Travels Advantage Insurance PPO Network
Safe Travels Elite plan has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.
- Provider Network: Search for providers within the PPO network to save on co-insurance charges using Trawick International Provider PPO Network.
Safe Travels Advantage Insurance - Quote/Buy Online or Apply
Quote/Buy Safe Travels Advantage instantly online to print/complete the application along with the payment.
- Quote/Buy Online: Get instant quote & Buy Safe Travels Advantage Insurance coverage online.
Safe Travels Advantage Insurance - Renew/Extend Coverage
Safe Travels Advantage Insurance Review of coverage which can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.
- Renew Policy: Extend the Safe Travels Advantage plan coverage dates using Safe Travels Advantage Insurance Renew Online.
Safe Travels Advantage Insurance Client Dashboard
Download and submit the claims form along with for detailed information including receipts for all medical bills for review and processing. You can also check the status of your claim online
Claims: Download the Safe Travels Advantage Insurance Claims form on the Trawick Insurance Client Resources page.
Safe Travels Advantage Cancellation & Refund Rules
Below are the rules pertaining to cancellation of the policy and refund of premium provisions.
- Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded fully.
- Active Policy: After that effective date of coverage, a partial cancellation and refund may be allowed and the following conditions apply:
- If any claims have been filed, the premium is fully earned and is non-refundable. If no claims have been filed with the Company, then (i) a cancellation fee of US $50 will be charged; and (ii) only unused days premiums will be considered as refundable; and
- If after a refund is made, it is determined that a claim was presented on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety. Upon effectuation of such cancellation and refund, neither the Company nor the Covered Person shall have any further rights, liabilities, or obligations under this insurance.
Safe Travels Advantage Insurance Plan Questions & Answers
Below are some of the questions frequently asked with the Safe Travels Advantage Insurance plan and relevant answers gathered over many years:
Who is eligible to purchase the Safe Travels Advantage Insurance policy?
Foreign nationals visiting the USA for short term up one year
The Safe Travels Advantage plan is available for foreign national who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of age below 90 years visiting the United States can purchase the policy. The plan is NOT available for US citizens who live permanently outside the USA as expatriates, or green-card holders who are traveling to the USA for a short visit.
What are the common terms used in the Safe Travels Advantage plan?
Medical Maximum, Deductible, Coinsurance are commonly referenced
Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.
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