Product Plan Overview
Safe Travels USA Comprehensive plan provides accident and sickness medical coverage with Acute Onset of Medical Conditions to Non-US citizens who reside outside the USA and are traveling outside of their Home Country while visiting the United States or to the United States and Worldwide. Covered en-route to USA, while in the USA, and in countries while on the way to the USA or the way home as well as countries on the itinerary. Coverage can initially 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 coverage may be extended, at the rates in force at the time of extension, for up to 24 consecutive months. This a brief description of the important features of the plan. This plan includes both insurance and non-insurance benefits. The Policy contains a complete description of all of the terms, conditions, and exclusions of the insurance plan as underwritten by The Company. COVID-19 EXPENSES are covered and treated as any other sickness.
Please review the individual product plan inclusions and information below. Click on any heading and the information will display below.
Medical Policy Maximum Choices: $50,000, $100,000, $250,000, $500,000, $1,000,000
COVID-19 EXPENSES are covered and treated as any other sickness
Deductible Options: In Network - $0, Out of Network - $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000 Rates are based on out of Network Deductible.
PPO Network: First Health - see Resources tab for list of providers in your area
Urgent Care Co-Pay: $30 -If the $0 out of Network Deductible is chosen, there is no co-pay for Urgent Care.
Well Doctor Visit: Pays up to $75 - One Visit per person per policy period. The Well Doctor Visit must occur within the first 21 days from the effective date of coverage. To be eligible you must purchase at least 30 days of coverage initially.
Emergency Room Illness with no direct Hospital Admission: $200 Co-pay
Emergency Room Injury/Accident or Illness with direct Hospital Admission: Usual customary charge to the selected Medical Maximum
Trip Interruption: $5,000
Lost Baggage: $1,000
Accidental Death and Dismemberment: $25,000
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: $250 per Policy Period (Injury and emergency alleviation of pain)
Emergency Medical Evacuation: 100% up to $2,000,000
Political/Natural Disaster Evacuation: $25,000
Repatriation of Remains: 100% up to $50,000
Local Burial/ Cremation: $5,000
Emergency Reunion: $15,000
**24/7 Emergency Assistance: Included (This benefit is not an insurance benefit.)
Acute Onset of a Pre-Exisiting Condition: For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above. Upon attaining age 70 Acute Onset benefits will be reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute or you are discharged from a medical facility. Please see certificate for more details.
Optional Upgrades:
24-Hour AD&D: $50,000, $100,000, $250,000 or $500,000
Athletic Sports Coverage: Some Sports Covered (Refer to Optional Upgrades Rate Chart on the Brochure)
Return to Home Coverage: $50,000 (Up to 60 days - prorated)