Safe Travels USA Cost Saver insurance coverage for Coronavirus
This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders
The plan require pre-certification for the virus.
Safe Travels USA Cost Saver Insurance provides coverage for Covid19 as long as the plan is effective before the individual gets sick.
Disclaimer:
*COVID-19 is covered by Safe Travels USA Cost Saver Insurance 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
Trawick International Safe Travels USA Cost Saver insurance
Safe Travels USA Cost Saver offer excess medical coverage. This includes emergency medical evacuation, repatriation and security evacuation benefits. It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
Trawick International Safe Travels USA Cost Saver plan summary
Safe Travels USA Cost Saver optional riders
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Home country coverage: covers illness or sickness during incidental trip to your home country during the period of coverage up to $50,000
Follow me home coverage: covers expenses in your home country up to $5,000 for conditions first diagnosed outside your home country and treated during your period of coverage.
Plan benefits of Safe Travels USA Cost Saver insurance
BenefitsCoverage
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
Urgent Care Co-Pay$30 -If $0 Deductible is chosen, there is no co-pay.
Outpatient Medical ExpensesCovered
Emergency Medical Treatment of Pregnancy$1,000 per Policy Period
Mental or Nervous Disorders$2,500 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 per Policy Period
X-rays, Prescriptions and AmbulanceCovered
Well Doctor VisitPays up to $75. One visit per person per policy period. This visit must occur within 21 days after the coverage is effective. Initial purchase of 30 days is necessary. Please register here for this benefitClick here to read more.
Emergency illness with no direct hospitalization admission$200 additional deductible per visit only applies while receiving care in a hospital for an illness that does not result in hospital admittance
Emergency room injury/accident or illness with direct hospital admissionUsual customary charge to the selected medical maximum
Unexpected Recurrence of a Pre-Existing ConditionThe first $1,000 of Covered Expenses
Benefit Period90 days from the date of the Covered Accident or Sickness
Ancillary Hospital ExpensesCovered
Physician's Non-Surgical Visits Covered
Physician's Surgical Expenses Covered
Assistant Physician's Surgical ExpensesCovered
Anesthesiologist Expenses Covered
Additional Benefits (not subject to Policy 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
Emergency Reunion$15,000
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
Coma Benefit$10,000
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
Local Burial / Cremation$5,000 per Policy Period
Hospital Confinement$50 per night up to a maximum of $500 per Policy Period
Return TO Home Country – if purchased $50,000 per Policy Period Maximum days covered Up to 60 days per 12 months
Optional Benefits
Upgrade AD&D Up to $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.
