Product Plan Overview
Safe Travels USA Cost Saver is a PRIMARY temporary accident and sickness medical coverage for the budget minded traveler. It covers Non US Citizens. Covers Unexpected Recurrence of a Pre-existing condition up to $1,000. 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 365 days. If a minimum of 5 days is purchased, the coverage may be renewed, at the rates in force at the time of renewal, for up to 24 consecutive months. This plan is not available to US Citizens or Greencard holders living in the USA.
Please review the individual product plan inclusions and information below. Click on any heading and the information will display below.
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
Unexpected recurrence of a Pre-Existing Medical Condition: This plan shall pay, up to $1,000 subject to the chosen Deductible and Coinsurance for Covered Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.
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)
Home Country/ Follow Me Home: $50,000 (Up to 60 days - prorated)
Athletic Sports Coverage
Provides coverage for injuries incurred during amateur, Club, Intramural, Interscholastic, Intercollegiate activities such as archery, tennis, swimming, cross country, track, volleyball golf, ballet, basketball, cheerleading, equestrian, fencing, field hockey, football (no division 1), gymnastics, hockey, karate, lacrosse, polo, rowing, rugby and soccer. Any athletic sport not listed is excluded from this policy unless the activity is non-contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.
Home Country/ Follow Me Home
Provides coverage for injury or sickness that occurs during an incidental trip back to your home country or for covered expenses incurred in your home country for conditions first diagnosed outside your home country and treated during your policy period. You must purchase 30 days of coverage to add this benefit.