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This page answers frequently asked questions (FAQs) about Safe Travels USA or Safe Travels International. If you don’t see your question below, or need a more thorough explanation, please contact a Trawick International team member at 888-301-9289 or info@trawickinternational.com
1. I want to choose the best insurance company for my international travel and international medical insurance policy. How do I know Trawick International insurance policies are reliable?
2. I made my own travel arrangements and did not go through an agency. Can I insure my trip?
3. What is the latest date I can purchase travel insurance?
4. Can I purchase a policy if I have already departed on my trip?
5. When will my coverage become effective?
6. What is the definition of a Pre-Existing Condition?
7. Does Medicare cover foreign travel?
8. Do I need travel insurance if I have a Medicare supplement?
9. I do not reside in the U.S. or Canada. Am I eligible to purchase travel insurance?
10. My travel visa requires medical and evacuation/repatriation coverage. Does Trawick International offer evacuation and/or repatriation?
11. Does Trawick offer coverage for trip cancellation due to the death of a close family member - not one who is traveling on the particular trip?
12. Is it possible to increase my accidental death and dismemberment sum?
13. My child is under the age of 1. How do I enter his or her age on the quote form?
14. I already have medical coverage? Will it cover me while I am traveling?
15. How can I get a refund?
16. I am traveling with a friend or partners. Can we both be on the same policy?
17. Are there any hidden fees or dues that I need to pay to enroll in coverage?
18. Does Trawick International limit the amount you cover for terrorism?
19. I am traveling to a country which is on the US government Travel Warning list. Will I be covered there?
20. Do you cover my trip home if there is an earthquake or other natural disaster?
21. I noticed the coverage Trawick offers says it is Primary coverage. How is that different from Excess coverage that other companies offer?
22. I am traveling and I am pregnant. Will your plan cover me?
Q1 I want to choose the best insurance company for my international travel and international medical insurance policy. How do I know Trawick International insurance policies are reliable?
A. As for reliability, Trawick's insurance plans are underwritten by financially stable companies. Trawick International's travel insurance and medical insurance plans are underwritten by Starr Indemnity and Liability Company. The insurance industry authority on insurance company financial stability, AM Best, rates Star Indemnity and Liability Company "A" (excellent), with a Financial grade "X" with a financial size of $500 Million to $750 Million. Trawick's domestic travel and student medical insurance policies are undwritten by Aetna. AM Best gives Aetna the following rating "A" with a Financial Size Category "XV". Aetna and Trawick are "dedicated to helping people achieve health and financial security by providing easy access to safe, cost-effective, high-quality health care."
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Q2 I made my own travel arrangements and did not go through an agency. Can I still get medical coverage from you?
A. Yes, Trawick International services clients on an individual basis, as well as through insurance agents, travel agents and other entities.
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Q3 What is the latest date I can purchase travel insurance?
A. Trawick International travel insurance policies can be purchased any time prior to or during your trip, with effective dates as early as “tomorrow”.
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Q4 Can I purchase a policy if I have already departed on my trip?
A. Yes, Trawick International’s travel and medical insurance policies may be purchased even if you have already departed on your trip.
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Q5 When will my coverage become effective?
A. Trawick International’s travel and medical insurance policies can begin within 24 hours. The earliest effective date is "tomorrow".
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Q6 What is the definition of a Pre-Existing Condition?
A. For Trawick International’s Safe Travels medical insurance policies “Pre-existing Condition” means a condition, regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received before the Covered Person’s coverage became effective under the Policy. The term does not include genetic information in the absence of a diagnosis of the condition related to such information.
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Q7 Does Medicare cover foreign travel?
A. No, Medicare does not provide coverage while outside of the U.S. You should purchase one of Trawick’s international travel insurance for possible medical emergencies while traveling outside of your home country.
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Q8 Do I need travel insurance if I have a Medicare supplement?
A. Medigap Plans C, D, E, F, G, H, I, and J pay 80% of the billed charges for certain medically-necessary emergency care outside the U.S. after you meet a $250 deductible for the year. The deductible for Plans F and J is $2,000. These Medigap policies cover foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn’t otherwise cover the care. Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000. Check your Medigap plan to determine if you are covered. Medigap plans do not cover medical evacuation or repatriation.
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Q9 I do not reside in the U.S. or Canada. Am I eligible to purchase travel insurance?
A. Yes, Trawick International offers its international travel and medical insurance policies to world travelers from around the globe. Our international health insurance plans cover anyone traveling outside of their home country. For more information, please call a team member at 888-301-9289, e-mail info@trawickinternational.com, or visit our Individual Policy or our Group Policy page.
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Q10 My travel visa requires medical and evacuation/repatriation coverage. Does Trawick International offer evacuation and/or repatriation?
A. Yes. On the Safe Travels insurance plans Emergency Medical Evacuation and Repatiation are covered at 100%, with no maximum.
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Q11 Does Trawick offer coverage for trip cancellation due to the death of a close family member - not one who is traveling on the particular trip?
A. Yes, Trawick International’s travel insurance plans for international travel include a Trip Interruption Benefit. The Trip Interruption Benefit reimburses the cost of one way economy air and/or ground transportation ticket if your Trip is interrupted as the result of: 1. The death of an Immediate Family Member {a person who is related to the covered Person in any of following ways: spouse; domestic partner; parent (includes stepparent); child (includes legally adopted and step child); brother or sister (includes stepbrother or stepsister); parent-in-law; son or daughter-in-law; and brother- or sister-in-law.}; or 2. your unforeseen Injury or Sickness or, the Injury or Sickness of a Traveling Companion or Immediate Family Member. The Injury or Sickness must be so disabling as to reasonably cause a Trip to be interrupted; or 3. Substantial destruction of your principal residence by fire or weather related activity; or 4. A Medically Necessary covered Emergency Medical Evacuation to return you to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery.
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Q12 Is it possible to increase my accidental death and dismemberment sum?
A. Yes, if you are traveling to the USA we can increase your accidental death and dismemberment sum up to $500,000.
If you are not coming to the USA we can increase your policy coverage to $1,000,000.
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Q13 My child is under the age of 1. How do I enter his or her age on the Quote form?
A. If you apply online the website automatically calculates their age and rates by using their date of birth. If you apply on paper use 0 or <1.
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Q14 I already have medical coverage? Will it cover me while I am traveling?
A. Some policies cover you and some don't. Some that do may require you to pay for a doctor or hospital visit and then submit a claim to get reimbursed. Check your policy wording. Most U.S. medical insurance is not accepted outside the United States and does not provide emergency evacuation or repatriation benefits. Obtaining medical treatment and hospital care abroad can be expensive, and medical evacuation to the U.S. can easily cost more than $50,000. If your insurance policy does not cover you abroad, it is a good idea to consider purchasing an Individual Policy which does.
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Q15 How can I get a refund?
A. Refund of total plan cost minus the processing fee is considered, if a written request is received by Trawick International prior to the effective date of coverage. If written request is received after the effective date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee of $10, provided no claim has been submitted.
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Q16 I am traveling with a friend or domestic partner. Can we both be on the same application?
A. Yes. One is listed on the form as Applicant and the other is Adult #2.
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Q17 Are there any hidden fees or dues that I need to pay to enroll in coverage?
A. No. You only pay the rate listed. There are no fees or dues to enroll.
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Q18 Do you limit the amount you cover for terrorism?
A. No. We cover terrorism up to the policy maximum.
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Q19 I am traveling to a country which is on the US government Travel Warning list. Will I be covered there?
A. On Safe Travels International War Risk AD&D coverage can be purchased for the following countries: Algeria, Burundi, Central African Republic, Colombia, East Timor, Ethiopia, Guinea, Haiti, India (Jammu & Kashmir Only), Iran, Lebanon, Liberia, Pakistan, Saudi Arabia, Sri Lanka, Yemen and Zimbabwe. Afghanistan, Chad, Chechnya, Democratic Republic of Congo, Iraq, Israel, Ivory Coast, Nigeria, Somalia and Sudan. If you travel to one of these locations and suffer accidental death or dismemberment it will not be covered unless this extra coverage was purchased at the time of enrollment. Medical issues which are not excluded by the policy would be covered.
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Q20 Do you cover my trip home if there is political unrest, earthquake or other natural disaster?
A. Yes under the Political evacuation benefit. We cover up to $25,000 due to an event which could cause grave physical harm to you.
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Q21 I noticed the coverage Trawick offers says it is Primary coverage. How is that different from Excess coverage that other companies offer?
A. Primary means it pays a claim before any other coverage you may have. Excess means you have to file it with your other insurance first and then it will pay whatever is left after they pay or deny the claim.
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Q22 I am traveling and I am pregnant. Will your plan cover me?
A. Yes. We cover emergency medical treatment for pregnancy up to $2,500 on Safe Travels International and $1,000 on the Safe Travels USA.
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