Atlas Premium Insurance vs Safe Travels Elite Insurance

Safe Travels Elite does not cover pre-existing conditions in general, but it does provide coverage for the acute onset of pre-existing conditions. This means the plan will pay for a sudden and unexpected recurrence of a pre-existing condition, provided the episode occurs without warning and requires immediate medical attention.

• Safe Travels Elite travel insurance is available to non-U.S. residents aged 14 days up to 89 years who are traveling outside their home country, with their first destination being the USA. Coverage ceases at age 90.
• The plan is not available to anyone who has been residing in the USA for more than 365 days prior to the policy’s effective date.
• Green card holders are eligible—as long as you haven’t lived in the U.S. for more than 365 days before the policy start date.
• The plan is designed for foreign nationals visiting the USA, or visiting the USA first and then traveling to other countries. You must arrive in the USA before traveling to other countries.

No, Safe Travels Elite does not use a PPO network. You are free to visit any doctor or hospital of your choice in the U.S. or abroad.

• Who live outside the USA and are visiting the United States, or visiting the USA first before traveling to other countries.
• Visitors who want coverage for acute onset of pre-existing conditions, with benefits up to the policy maximum for those under age 70.
• Individuals and families aged 14 days to 89 years (coverage ends at age 90).
• Travelers who want flexibility in choosing healthcare providers, since the plan does not require use of a PPO network—you can visit any doctor or hospital.
• 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.
• Green Card holders living outside the U.S. who are visiting the United States.

Safe Travels Elite insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.

You cannot renew Safe Travels Elite beyond a total of 364 days. The plan can be extended or renewed online, but only up to a maximum total coverage period of 364 days. After this period, you would need to reapply for a new policy if you still meet the eligibility requirements. When starting a new policy, deductibles, coinsurance, and pre-existing condition exclusions reset

For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

Cancellation before effective date:

• A full refund would be considered

Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

• If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
• If no claims have been filed with the Company, then
• • a cancellation fee of US $25 will be charged;
  • only full month premiums will be considered as refundable;
• If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.