Safe Travels USA Cost Saver is an EXCESS temporary accident and sickness medical coverage for the budget-minded traveler. It covers Non-US Citizens enroute to the 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. COVID-19 EXPENSES are EXCLUDED. Covers Unexpected Recurrence of a Pre-existing condition up to $1,000. 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. This plan is not available to US Citizens traveling to the USA. This plan is not available to any individual who has been residing within the USA for more than 365 days prior to their Effective Date. There is a 5 day/$10 minimum premium. See Plan Summary for details.

Plan Highlights

  • COVID-19 EXPENSES are NOT covered on this plan.
  • 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 80% of the first $5,000 then 100% up to the policy maximum
  • 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
  • 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: Not Covered.
  • Prescription Drug Expenses: 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, 80% of the first $5,000 then 100% up to the Policy Maximum
Urgent Care Co-Pay
$30 per Incident if the $0 deductible is chosen, there is no Co-Pay
Well Doctor Visit
Up to $125 for one wellness check- restrictions apply
Telemedicine
This is non insurance service - For details: https://trawickinternational.com/telemedicine
Pre-Existing Conditions Benefits
Unexpected Recurrence of a Pre-Existing Condition
Included up to $1000
Emergency Evacuation Benefits
Emergency Medical Evacuation
Up to $2,000,000 per Policy Period
  • 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
$25,000 per Policy Period
Natural Disasters Evacuation
$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
100% 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
  • Does not cover funeral costs. 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
Additional Benefits
Accidental Death and Dismemberment
$25,000 Principal Sum
Extendable
Up to 364 days total
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.

  • 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 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 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 Policy Period. 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.

    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.