Safe Travels USA Comprehensive plan provides accident and sickness medical coverage with Acute Onset of Pre-existing Medical Conditions to Non-US citizens who reside outside the USA and are traveling outside of their Home Country while visiting the United States or to the United States and Worldwide. Covered en-route to USA, while in the USA, and in countries while on the way 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. If a minimum of 5 days is purchased, the coverage may be extended, at the rates in force at the time of extension, for up to 364 days. COVID-19 EXPENSES are covered and treated as any other sickness.

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Plan Highlights

  • COVID-19 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
  • After the deductible, the plan pays 100% up to the policy maximum
  • Emergency Medical Evacuation/ Repatriation of Remains/Medically Necessary Repatriation/Local Burial/Cremation
  • ACUTE ONSET OF 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
  • New claims administrator and online claims filing/tracking - Effective 7/11/2023

Benefits of Coverage

Medical Benefits
Accident and Sickness Medical Expense
Up to the Policy Maximum Selected $50,000, $100,000, $250,000, $500,000, $1,000,000
  • Cardiac Conditions Limit: up to $25,000 per Policy Period for ages up to 69 or $15,000 per Policy Period for ages 70 and over
  • COVID-19, SARS-CoV-2 Conditions: Covered the same as any other Illness
  • Prescription Drugs: Included when prescribed for a covered injury or illness
  • Dental: Up to $250 per Policy Period for Injury or pain to sound natural teeth
Deductible
$0, $50, $100, $250, $500, $1,000, $2,500, or $5,000 per Policy Period
Co-insurance
After the deductible, 100% up to the Policy Maximum
Urgent Care Co-Pay
$30 per Incident if the $0 out of Network deductible is chosen, there is no Co-Pay
Acute Onset of a Pre-Existing Condition
For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000
  • Upon attaining age 70 Acute Onset benefits will be reduced to a Maximum of $35,000 except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $15,000
Well Doctor Visit
Up to $125 for one wellness check- restrictions apply
Telemedicine
This is non insurance service - For details: https://trawickinternational.com/telemedicine
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.
Emergency Evacuation Benefits
Emergency Medical Evacuation
Up to $2,000,000 per Policy Period
  • Limit of $25,000 Maximum per Policy Period for any condition covered under Acute Onset of a Pre-existing Condition Benefit
  • Return of minor children or grandchildren or Travelling Companion - up to $5,000 per Policy Period
Medically Necessary Repatriation
Up to $15,000 per Policy Period
Political Evacuation
Up to $25,000 per Policy Period
Natural Disasters Evacuation
Up to $10,000 per Policy Period
  • 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
$15,000 per Policy Period
Repatriation of Mortal Remains
Up to $50,000 per Policy Period
  • Return of Traveling Companion: $5,000 per Policy Period - Covers travelling companion | Minor Children or Grandchildren
Local Burial/Cremation
Up to $5,000 per Policy Period
  • 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
Trip Protection Benefits
Trip Interruption
$5,000 per Policy Period for reimbursement of the cost of a one-way economy air and/or ground transportation ticket to return home due to a covered reason
Additional Benefits
Accidental Death and Dismemberment
$25,000 Principal Sum
Return to Home Country Coverage
Optional Benefit
Up to $25,000 - provides coverage during the Policy Period, 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 Policy Period 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
Sports Benefits
Sports Activity Coverage
Optional Benefit
Up to $50,000 - provides coverage while performing, practicing, or participating in Class 1 or Class 2 Sports only. Extreme Sports are excluded.
  • Class 1: Archery, tennis, swimming, cross country, track, volleyball, and golf.
  • Class 2: Ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football except division 1, gymnastics, hockey no league play, karate, lacrosse, polo, rowing, rugby, soccer, & softball.
  • Any Sport Activity not expressly listed is excluded unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes.
  • Extreme Sports: 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.
  • Extreme Sports often involve speed, height, a high level of physical exertion and/or highly specialized gear.
24/7 Non-Insurance Benefits
Non Insurance Assistance Services
Included - This is a non-insurance service and is not a part of the insurance underwritten by Crum & Forster, SPC.

Plan Definitions

  • Pre-Existing Condition

    “Pre-Existing Condition” means any medical condition, Sickness, Injury, Illness, disease, mental Illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Policy.
    Pre-Existing shall also mean 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 36 months 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 Acute Onset 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.

  • ACUTE ONSET OF PRE-EXISTING CONDITION

    Maximum Benefit - For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000.Upon attaining age70 Acute Onset benefits will be reduced to a Maximum of$35,000except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $15,000.

    Coverage 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 Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

    Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. 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 is no longer acute, or the Covered Person is discharged from a medical facility.

    This coverage contains a Pre-Existing Condition limitation. “Pre-Existing Condition” means any medical condition, Sickness, Injury, Illness, disease, mental Illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36-month period immediately preceding the Effective Date of Coverage under this Policy.
    Pre-Existing shall also mean 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 36 months 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 Acute Onset 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.

  • 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. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only unused days 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.

This is a brief description of the important features of the plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. The terms and conditions of coverage are set forth in the Plan issued to with ITA Global Trust, LTD. For a detailed plan description, exclusions, and limitations please view the plan on file with ITA Global Trust, LTD. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster SPC. The Policy will prevail in the event of any discrepancy between this information and the Policy as a brief description of the important features of the plan. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by Crum & Forster SPC. The Policy will prevail in the event of any discrepancy between this website and the Policy.