This is an EXCESS temporary accident and sickness medical coverage. It covers Non-US citizens while traveling to the USA and then going to other countries.

Covers Unexpected Recurrence of a Pre-existing condition up to $1,000. Covered enroute to USA and in countries while on the to the USA or the way home as well as countries on the itinerary. Coverage can initially be purchased for a minimum of five (5) days up to a maximum of 364 days. There is a $10 minimum premium. If a minimum of 5 days is purchased, the coverage may be extended, at the rates in force at the time of extension. This plan is not available to US Citizens.

This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date. COVID-19, SARS-CoV-2 are covered and treated as any other sickness. See Plan Summary for details.

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Plan Highlights

  • COVID-19, SARS-CoV-2 EXPENSES are covered and treated as any other sickness
  • Accident and Sickness Medical Policy Maximum Choices $50,000, $100,000, $250,000, $500,000, $1,000,000
  • Deductible Choices $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
  • Co-Insurance 90% of the first $2,500 then 100% up to the policy maximum
  • Pre-certification is a general determination of Medical Necessity only. 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met.
  • Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
  • UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION - - Limitations apply
  • Wellness Visit - covered up to $125
  • Optional Sports Coverage - see brochure for details
  • Optional Home Country Coverage- see brochure for details
  • SureGo Online Claims Administration

Benefits of Coverage

Medical Benefits
Medical Expenses
Up to the Policy Maximum Selected $50,000, $100,000, $250,000, $500,000, $1,000,000
  • CARDIAC CONDITIONS: Up to $25,000 per Period of Insurance for ages up to 69 or $15,000 per Period of Insurance for ages 70 and over
  • PRESCRIPTION DRUGS AND MEDICATIONS: If your Maximum is $50,000 or $100,000, this limit is up to the plan Maximum per Period of Insurance. If your Maximum is $500,000 or $1,000,000, this limit is up to $250,000 per Period of Insurance.
  • DENTAL TREATMENT FOR INJURY OF SOUND NATURAL TEETH DUE TO ACCIDENT: Up to $250 per Period of Insurance for Injury or pain to Sound Natural Teeth
Deductible
$0, $50, $100, $250, $500, $1,000, $2,500, or $5,000 per Period of Insurance
  • EMERGENCY ROOM SICKNESS WITH NO DIRECT HOSPITAL ADMISSION: $200 Additional deductible per visit – Only applies when receiving care in an Emergency Room for a Sickness that does not result in a Hospital admittance
Co-insurance
After the deductible, 90% of the first $2,500 then 100% up to the Medical Maximum
Urgent Care/Walk In Clinic
$30 per Incident / If the $0 Deductible is chosen, there is no Co-Pay
COVID-19, SARS-CoV-2 Coverage
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
Cardiac Conditions or Stroke Limit
Up to $25,000 per Period of Insurance for ages up to 69 or $15,000 per Period of Insurance for ages 70+
Well Doctor Visit
Up to $125 - One Visit per Period of Insurance (restrictions apply)
24-Hour AD&D
Optional Benefit
Increases Accidental Death and Dismemberment Benefit to $50,000, $100,000, $250,000 or $500,000
  • Some amounts are limited by age.
Telemedicine
This is a non-insurance service included by Trawick International in the plan cost and is not a part of the insurance underwritten by Zurich Insurance Europe AG Belgian branch - For details visit https://trawickinternational.com/telemedicine
Additional Benefits
Pre-certification Requirements
Treatments & supplies: 50% reduction of Eligible Medical Expenses if Pre-certification requirements are not met/Deductible is taken after reduction/Coinsurance is applied to remainder/Refer to the PRE-CERTIFICATION REQUIREMENTS provision for a complete list of services that require Pre-certification
Accidental Death and Dismemberment
$25,000 Principal Sum
Return to Home Country Coverage
Optional Benefit
Up to $25,000 - provides coverage during the Period of Insurance, in your Home Country while on an Incidental Trip
  • For trips up to 60 days (total) per 12 months of Coverage Purchased. To be eligible your Period of Insurance must be greater than 30 days and are returning to the home country after the trip began.
  • Other Terms and Conditions apply. See plan document for details.
Extendable
Up to 364 days total coverage
Pre-Existing Conditions Benefits
Unexpected Recurrence of a Pre-Existing Condition
For ages up to and including 69 the Maximum is $1,000 per Period of Insurance. Upon attaining age 70 Unexpected Recurrence of Pre-existing Condition benefits are not available.
  • To qualify for this benefit the pre-existing condition must
  • 1) 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
  • 2) occur a minimum of 48 hours after your Effective Date
  • 3) treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence
  • 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
Emergency Evacuation Benefits
Emergency Medical Evacuation
Up to $1,000,000 per Period of Insurance
  • Return of minor children or grandchildren or Travelling Companion - up to $5,000 per Period of Insurance
  • Limit of $25,000 Maximum per Period of Insurance for any condition covered under Unexpected Recurrence of a Pre-existing Condition Benefit
Medically Necessary Repatriation
Up to $15,000 per Period of Insurance
Political Evacuation
Up to $25,000 per Period of Insurance
Natural Disasters Evacuation
Up to $10,000 per Period of Insurance
  • Up to $250 per day to a max of 5 days for Reasonable Expenses
  • Must be officially declared a disaster area by the appropriate local government authorities of the Host Country, and the area is deemed to be Uninhabitable or dangerous.
Emergency Reunion
Up to $15,000 per Period of Insurance
Repatriation of Mortal Remains
Up to $50,000 per Period of Insurance
Local Burial/Cremation
Up to $5,000 per Period of Insurance
  • 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.
  • Must be approved in advance by the Assistance Provider.
Protection for Belongings Benefits
Lost Checked Baggage
$1,000 per Period of Insurance
Trip Protection Benefits
Trip Interruption
Up to $5,000 per Period of Insurance for reimbursement of the cost of a one-way economy air and/or ground transportation ticket to return home due to a covered reason
Sports Benefits
Sports Activity Coverage
Optional Benefit
Up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
  • Extreme Sports: means any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb. See plan document for details.
  • Collision Sports: means a sport in which the participants purposely hit or collide with each other or inanimate objects, including the ground, with great force. See plan document for details.
24/7 Non-Insurance Benefits
Non Insurance Assistance Services
This is a non-insurance service included by Trawick international in the plan cost and is not a part of the insurance underwritten by Zurich Insurance Europe AG Belgian branch.

Plan Definitions

  • Pre-Existing Condition

    “Pre-Existing Condition” means any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, Chronic or recurring complications or consequences related thereto or resulting or arising therefrom. Pre-Existing shall also include any Unexpected Recurrence of an Illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that is an exacerbation of, due to, or associated with an underlying condition. Underlying condition shall include any condition that has been monitored by a Physician due to possible deterioration of the Covered Person's diagnosis being changed, as a result of a previously known condition that can affect, degrade, and/or alter a Covered Person's underlying condition, including any changes in medication. Proof of Eligibility is required prior to any payment of Claim.

  • UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION

    Benefits are payable for an Unexpected Recurrence of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Coverage; and 3. Treatment is obtained within 24 hours of the sudden and Unexpected outbreak or recurrence. Any repeat/reoccurrence within the same Period of Insurance will no longer be considered Unexpected Recurrence of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Unexpected Recurrence of a Pre-Existing Condition per Period of Insurance. Sudden and Unexpected Recurrence of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical Facility.

    To be eligible for the foregoing limited coverage and benefits for an Unexpected Recurrence of a Pre-Existing Condition, the Covered Person must be in compliance with all Terms of this insurance.

    The Company will provide such coverage and benefits only when all of the following conditions and restrictions have been met. At the time of the Unexpected Recurrence of the Pre-existing Condition:

    (a) Treatment must be obtained within twenty-four (24) hours of the sudden and unexpected outbreak or reoccurrence.

    (b) the Covered Person must be under seventy (70) years of age.

    (c) 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.

    (d) the Covered Person must not be traveling with the intent or purpose to seek or obtain Treatment for the Pre-existing Condition.

    (e) the Covered Person must not be traveling during a period of time when the Covered Person is preparing or waiting for, involved in, or undertaking a new, changed or modified Treatment program with respect to the Pre-existing Condition, and is not traveling subsequent to any such new, changed or modified Treatment program having been advised or recommended.

    (f) the Pre-existing Condition must have been stabilized for at least thirty (30) days prior to the Effective Date without change in Treatment.

    (g) the Covered Person must be traveling outside their Habitual Country.

  • CANCELLATION AND REFUND PROCEDURE PROVISIONS

    Full cancellation and refund will only be considered if We receive written request prior to or on the Effective Date of the Coverage. If We receive a written request for cancellation and refund after the Effective Date of Coverage, a partial cancellation and refund may be allowed. The following conditions apply a) If any claims have been filed with Us, 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 b) Premiums will be considered as refundable; and c) If after a refund is made, it is determined that a claim was presented to Us 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.

  • OPTIONAL EXTENSION PROCEDURES

    An extension notice will be sent to the Covered Person before the Period of Insurance ends and includes links to extend prior to the Termination Date. The Covered Person is subject to the following rules at extension: In order to extend, the Period of Insurance must be initially purchased for a minimum of 5 days. If available, an extension period can be purchased 1. at the Premium rate in force at the time of the extension; 2. for a minimum of 5 days; 3. for up to a maximum of 364 days, provided the Covered Person’s Period of Insurance does not exceed 364 days in total. There are no grace periods for extension. Once the coverage has lapsed, reapplication may be allowed provided you meet the ELIGILBILTY requirements. Please note, upon application for a new coverage, the Pre-Existing Condition exclusion, deductible and coinsurance start over.