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 364 days. 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 AND LISTED IN THE POLICY. This is also stated on the VISA letter you receive with the order. $10 Minimum Premium.
Please review the individual product plan inclusions and information below. Click on any heading and the information will display below.
Accident and Sickness 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: In Network - $0
Deductible: Out of Network Rates are based on choice of out of Network Deductible. OPTIONS - $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
PPO Network: First Health - see Provider Search tab for list of providers in your area
Telemedicine**: Covered (This benefit is not an insurance benefit.)
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 $125 - 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)
Acute Onset of Pre-Existing 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 cardiac 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. (see Pre-existing Conditions section below for more details.)
** (This benefit is not an insurance benefit.)
See Plan Summary of Coverage for details.
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.
Emergency Medical Evacuation: 100% up to $2,000,000 per Policy Period - Limit of $25,000 Maximum per Policy Period for any condition covered under Acute Onset of a Pre-existing Condition Benefit
Medically Necessary Repatriation: up to $15,000 per Policy Period
Political Evacuation: $25,000 per Policy Period
Natural Disasters Evacuation: $10,000 per Policy Period
Emergency Reunion: up to $15,000 per Policy Period
Return of Minor Children or Grandchildren or Traveling Companion: $5,000 per Policy Period
Repatriation of Remains: 100% up to $50,000 per Policy Period
Local Burial/Cremation: $5,000 per Policy Period
Emergency Reunion: $15,000 per Policy Period
**24/7 Emergency Assistance: Included (This benefit is not an insurance benefit.)
** (This benefit is not an insurance benefit.)
ACUTE ONSET OF PRE-EXISTING CONDITION: Maximum Benefit - For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000.Upon attaining age70 Acute Onset benefits will be reduced to a Maximum of$35,000except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $15,000.
Coverage provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
Any repeat/reoccurrence 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. 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 the Covered Person is discharged from a medical facility.
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.
Optional Upgrades:
24-Hour AD&D: $50,000, $100,000, $250,000 or $500,000
Sports Activity Coverage: up to $50,000 per Policy Period - Some Sports Covered (Refer to Optional Upgrades Chart on the Brochure)
Return to Home County Coverage: up to $50,000 per Policy Period (Up to 60 days - prorated)