Safe Travels USA

This is an EXCESS temporary accident and sickness medical coverage. It covers Non-US citizens while traveling to the USA and then going to other countries.

Covers Unexpected Recurrence of a Pre-existing condition up to $1,000. Covered enroute to USA and in countries while on the 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. There is a $10 minimum premium. If a minimum of 5 days is purchased, the coverage may be extended, at the rates in force at the time of extension. This plan is not available to US Citizens, US Residents or US green card holders in the USA or US green card holders traveling to the USA.

This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date. COVID-19 EXPENSES are covered and treated as any other sickness. See Plan Summary for details.

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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
Co-Insurance 90% of the first $2,500 then 100% up to the policy maximum
Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION - - Limitations apply
Wellness Visit - covered up to $125
Optional Sports Coverage - see brochure for details
Optional Home Country Coverage- see brochure for details
New claims administrator and online claims filing/tracking - Effective 7/11/2023

Eligibility

For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries
For ages 14 days to 89 years
Coverage for minimum 5 days to maximum up to 364 days
Extendable for up to 364 days
This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
Rates are based on age, policy maximum and deductible

Benefits of Coverage

Medical

Medical Expenses Up to the Policy Maximum Selected $50,000, $100,000, $250,000, $500,000, $1,000,000 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 $250 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, 90% of the first $2,500 then 100% up to the Policy Maximum
Urgent Care Co-Pay $30 per Incident if the $0 deductible is chosen, there is no Co-Pay
Well Doctor Visit Up to $125 for one wellness check up - restrictions apply
Telemedicine This is non insurance service - For details visit https://trawickinternational.com/telemedicine

Emergency Evacuation

Emergency Medical Evacuation 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 Up to $15,000 per Policy Period
Political Evacuation Up to $25,000 per Policy Period
Natural Disasters Evacuation Up to $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 Up to $15,000 per Policy Period
Repatriation of Mortal Remains Up to $50,000 per Policy Period Return of Traveling Companion $5,000 per Policy Period - Covers travelling companion \| Minor Children or Grandchildren
Local Burial/Cremation Up to $5,000 per Policy Period Does not cover funeral costs. Make sure to read the Description of Coverage/Policy for full details of coverage. Pre-existing conditions are not covered. Must be approved in advance by the Assistance Provider.

Trip Protection

Trip Interruption

$5,000 per Policy Period for reimbursement of the cost of a one-way economy air and/or ground transportation ticket to return home due to a covered reason

Additional

Accidental Death and Dismemberment $25,000 Principal Sum
Extendable Up to 364 days total coverage

Pre-Existing Conditions

Unexpected Recurrence of a Pre-Existing Condition

Included up to $1,000 per Policy Period

24/7 Non-Insurance

Non Insurance Assistance Services

Included - This is a non-insurance service and is not a part of the insurance underwritten by Crum & Forster, SPC.

Optional Upgrades

Return to Home Country Coverage Up to $25,000 - provides coverage during the Policy Period, in your Home Country while on an Incidental Trip For trips up to 60 days (total) per 12 months of Coverage Purchased. To be eligible your Policy Period must be greater than 30 days and are returning to the home country after the trip began. Other Terms and Conditions apply- see Plan document for details
Sports Activity Coverage Up to $50,000 - provides coverage while performing, practicing, or participating in Class 1 or Class 2 Sports only. Extreme Sports are excluded. Hockey League play is excluded. 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. 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-Hour AD&D Increases Accidental Death and Dismemberment Benefit to $50,000, $100,000, $250,000 or $500,000 Some amounts are limited by age.

Note: Benefits may vary by state, please refer to your State Specific Certificate of Insurance for full plan details.

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 CONDITION

Benefits are payable for an Unexpected Recurrence of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits 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 Unexpected Recurrence of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Unexpected Recurrence of a Pre-Existing Condition per Policy Period. 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.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.