Trawick travel insurance coverage for Coronavirus (Covid 19)
This plan is available for people in the USA- that are not US Citizens, US Residents or Greencard Holders
The plan require pre-certification for the virus.
*The policy covers COVID-19 subject to the terms and conditions of the policy normal limits and policy conditions including pre-ex, so if you already have the virus - it will not cover you. If you are in the incubation period when you buy, it will be considered pre-existing condition. * Testing for COVID-19 will be covered under your policy if you are sick, are referred by a medical practitioner and it is carried out at an approved facility, subject to the terms and conditions in your policy. * In the event that a test proves positive and requires treatment, members can be assured that all associated treatment costs would be covered under the normal benefit limits and terms of their policy. Please ensure these are pre-authorized with the GBG Assistance team.
OUT OF NETWORK: Plan pays 80% of eligible expenses up to $5,000, then 100%
Trawick International Safe Travels USA Comprehensive insurance
Safe Travels USA Comprehensive offers excellent medical coverage. This includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits. Travelers visiting USA and on transit visa in the US can buy this medical insurance for their stay from 0 to 89 years of age!
Plan benefits of Safe Travels USA Comprehensive insurance
Medical expense benefits (subject to maximum, deductible and co-insurance)
Hospital Room and Board ChargesThe average semi private room rate
ICU Room and Board ChargesThree times the average semi private room rate
Outpatient MedicalUsual customary charge up to the selected medical maximum
Medical Emergency Care ExpensesMaximum; Within a) 24 hours acute onset of pre-existing condition or b) 72 hours of newly diagnosed sickness or injury). These expenses include the attending doctor's charges, X-rays, laboratory procedures, use of the emergency room and supplies
Emergency Medical Treatment of Pregnancy$1,000
Urgent Care Co-Pay$30 -If $0 Deductible is chosen, there is no co-pay.
Mental or Nervous Disorders$2,500
Cardiac Conditions or Treatment$25,000 per policy period up to age 69 at age 70 the maximum is $15,000 per policy period
Physiotherapy/Physical Medicine/Chiropractic$50 per visit per day; up to 10 visits per policy period
Dental Treatment (Injury and emergency alleviation of pain)$250
Doctor Visits, X-rays and Prescriptions, AmbulanceUsual customary charge to the selected medical maximum
Acute onset of pre-existing condition(s) per policy period
Subject to the sub limits for each benefit listedFor people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or conditions.
Benefit Period90 days from the date of the Covered Accident or Sickness
Additional Benefits (not subject to Maximum, Deductible or Co-Insurance)
Emergency Medical Evacuation100% up to $2,000,000
Political/Natural Disaster Evacuation$25,000
Repatriation of Remains100% up to $50,000
Return of Minor Child(ren) or Travel Companion$5,000
Trip Interruption$5,000 per Policy Period (does not cover lost trip cost)
Basic Lost Baggage$1,000 per Policy Period
Accidental Death & Dismemberment Principal Sum$25,000
Felonious Assault and Violent Crime100% up to $50,000
Adaptive Home and Vehicle$5,000
Seatbelt Benefit10% up to $50,000
Airbag Benefit10% up to $50,000
Hijacking and Air or Water PiracyCovered
Upgrade AD&D $50,000, $100,000, $250,00 or $500,000
Home Country Coverage/Follow Me Home CoverageUp to 60 days - prorated
The Primary insurance plan is the one that starts to pay as soon as there is an unexpected injury/illness or when there is a medical expense without assuming that there is a secondary plan. In other words, the primary plan should pay regardless of the existence of the secondary plan just as if the patient had only the primary plan to cover him/her. The Secondary health insurance plan unlike the Primary under the coordination of benefits provision will then take into consideration the expenses that were not covered by the primary plan and will be considered for payment under the Secondary plan. Therefore, the Secondary plan will fill any gaps found in coverage from the Primary plan.