This plan provides travel medical and other benefits, coverage to non-US citizens traveling outside of their home country and not traveling to the United States. Please note this plan IS NOT valid for travel from, in, or to the United States of America. This plan is not available to anyone who has been outside their home country for more than 365 days prior to the coverage starting. Rates are based on age and plan options. This plan includes $2,000 of trip delay quarantine lodging expenses and Unexpected Recurrence of a Pre-Existing Medical Condition benefit of $20,000 up to age 65 and $10,000 over age 65. This coverage can 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 policy term may be extended with uninterrupted coverage for up to 364 days. COVID-19 EXPENSES are covered and treated as any other sickness up to the amount selected. See Plan Summary for details.

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Plan Highlights

  • COVID-19 EXPENSES are covered and treated as any other sickness
  • 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
  • Trip Delay $2,000
  • Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains
  • Political and Natural Disasters Evacuation
  • UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION - See Plan Summary of Coverage for details
  • Optional Sports Coverage.
  • 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
  • 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: Covered the same as any other illness
  • Prescription Drugs: Included when prescribed for a covered injury or illness
  • Dental: Up to $500 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, 100% up to the Policy Maximum
Telemedicine
This is non insurance service - For details: https://trawickinternational.com/telemedicine
24-Hour AD&D
Optional Benefit
Increases Accidental Death and Dismemberment Benefit to $50,000, $100,000, $250,000 or $500,000 Some amounts are limited by age
  • Some amounts are limited by age.
Pre-Existing Conditions Benefits
Unexpected Recurrence of a Pre-Existing Condition
Up to and including age 64 the maximum is $20,000 per Period of Coverage/Upon attaining age 65 the benefit will be reduced to a Maximum of $10,000 per Period of Coverage
Emergency Evacuation Benefits
Emergency Medical Evacuation
100% 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
100% 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
  • Return of minor children or grandchildren or Travelling Companion - up to $5,000 per Policy Period
Repatriation of Mortal Remains
Up to $1,000,000 per Policy Period
  • Return of Traveling Companion: $5,000 per Policy Period - Covers travelling companion | Minor Children or Grandchildren
Protection for Belongings Benefits
Lost Baggage
Up to $1,000 maximum for the replacement costs of Necessities, up to $75 per article
Trip Protection Benefits
Trip Interruption
$7,500 per Policy Period for return ticket
Trip Delay
Maximum Benefit up to $2,000, subject to a $150 per day maximum (including Accommodations and Lodging)
Trip Delay Max Upgrade
Optional Benefit
Increases Trip Delay Max to $4,000 or $7,000 per person
Additional Benefits
Accidental Death and Dismemberment
$25,000 Principal Sum
Extendable
Up to 364 days total coverage
Sports Benefits
Sports Activity Coverage
Optional Benefit
Up to Medical Maximum per Policy Period
  • Class 1: Archery, tennis, swimming, cross country, track, volleyball, and golf.
  • Class 2: Ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football except division 1, gymnastics, hockey no league play, karate, lacrosse, polo, rowing, rugby, soccer, & softball.
  • Any Sport Activity not expressly listed is excluded unless the activity is non-contact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes.
  • Extreme Sports: Sports means any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb.
  • Extreme Sports often involve speed, height, a high level of physical exertion and/or highly specialized gear.
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 Medical Condition

    Up to $20,000 up to age 65 then up to $10,000 for over age 65.

    This coverage contains a Pre-Existing Condition limitation. “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.

  • 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.