Safe Travels International

Plan Details

Insurance Provider

Trawick

Plan Underwriter

C&F Crum & Forster

Plan Rating

A.M. Best Rating: A

Plan Category

Travel Medical Insurance

Plan Type

Comprehensive Coverage

PPO Network

There is no PPO Network for the Safe Travels International plan. The insured person can visit any doctor or hospital of his/her choice.

Plan Eligibility

This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their home country
This plan does not provide coverage to visit the United States

This Policy is not available to green card holders in the USA.
This Policy is not available to anyone age 90 or above
Please note that this plan is not valid for travel to, from or in the United States of America

This Policy is not available to any individual who has been residing within the home country for more than 365 days prior to their policy effective date

Policy Maximum, Deductibles & Medical Coverage Limits

Emergency Medical & Hospitalization Policy Maximum

$50,000, $100,000, $250,000, $500,000 or $1,000,000

Deductible Options

$0, $50, $100, $250, $500, $1,000, $2,500, $5,000

Co-Insurance

100% after the deductible

Pre-Existing Conditions

Unexpected Recurrence of a Pre-Existing Condition

Up to $20,000 of Covered Expenses up to age 65 or the first $10,000 for ages over 65

Emergency Coverage

Doctor Visits, **Telemedicine, X-rays

100%

Prescription Medicine

Subject to Deductible and Co-insurance

Hospital / ICU Room & Board Charge

100%

Emergency Medical Treatment of Pregnancy

Up to $2,500

Travel Coverage

Emergency Medical Evacuation

Up to $2,000,000

Repatriation of Remains

$1,000,000

Emergency Reunion

$15,000

Return of minor Child(ren)

$5,000

Trip Interruption

$7,500

Loss of checked Baggage

$1,000

Dental Coverage

Dental Treatment

Up to $500 for injury or pain to sound natural teeth

Additional Coverage Options

Sports Activity Coverage

Up to $50,000 per Policy Period

Accidental Death & Dismemberment

$50,000, $100,000, $250,000, $500,000

Optional Trip Delay Upgrade

$4,000 per person ($300/day)
$7,000 per person ($500/day)

When will I receive my ID card?

The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. Additionally, you will be emailed the ID card that you can print and take to the doc/hospital. Also, when filling out the online application, you have the choice of getting supplemental information and ID card in the mail. If you would like to receive the ID card and plan details by mail then make sure to choose "yes" for mailed ID card. You should receive your insurance package at your mailing address within 5-10 business days of purchase.

Can I cancel the policy and get a refund after purchase?

If the policy is cancelled before the start date, a full refund is available. After start date, refund is available only if you do not need to visit the doctor, and there is no claim on file. A prorated refund for the unused number of days is refunded. A $25 cancellation fee applies.

Does this plan have travel coverage?

Yes, Safe Travels International Insurance has on flight coverage from home country to the host country as well as back to home country. This coverage will only apply if the flight days fall during the plan effective dates. If applicable, make sure to select the start date when the insured leaves the home country (U.S. CST) and select the end date the day they arrive home country on the trip back (CST). This plan does not provide coverage for travels to the USA.

Do I have to pay up front at the doctors office or will they bill the insurance company directly?

The billing process is at the discretion of the provider. They can either ask the insured person to pay up front, or can bill the insurance company directly. Usually for bigger bills like hospitalization, surgery etc., they tend to bill the insurance company directly. For smaller situations, like doctor consultation, they are more likely to ask the insured person to pay first. However, for any claims to be processed, the insured person has to follow the claim process and send in the claimant information form to the insurance company. This would be applicable even if the providers directly bill the insurance company.

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