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Trawick International Insurance - FAQ's

Answer these questions to find the best insurance plan for your needs (International travelers, students, all US visa’s and Schengen visa).

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Schengen Visa

Does the traveler need Schengen Visa Insurance or Long term Europe Visa insurance?

What is the Visa of the traveler?

What is the Visa of the traveler?

Does the traveler have any pre-existing medical conditions?

Type of Insurance?

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About Trawick International US travel Insurance Plans

Safe Travels International Insurance

Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups.

Trawick International insurance provides Travel Insurance, Trip Protection Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.

Trawick International offers worldwide network of physicians, hospitals and pharmacies. Trawick International has designed plans ideal for employees, corporations, schools, frequent world travelers, missionary trips and vacation traveler. Listed below are some products that Trawick offers for foreign residents visiting USA or transiting through the US on a transit visa.

Travel Insurance for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a travel health insurance with pre-existing conditions coverage..
  2. Read the policy document carefully to understand what is covered and what is not.
  3. Be informed of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

Trawick International Pre-existing conditions travel insurance coverage

Safe Travels USA Comprehensive and Safe Travels Elite plans from Trawick International offer Acute onset of Pre-existing condition coverage up to 89 years. Safe Travels USA and Safe Travels USA Cost Saver cover unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years for residents visiting USA and worldwide.

For Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1000. Another plan Safe Travels Outbound has a pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Safe Travels Voyager, Safe Travels Single Trip Protection, Safe Travels First Class Trip Protection, Safe Travels Explorer Plus and Safe Travels Journey plans and they can cover acute onset of pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for acute onset of pre-existing conditions. It is Trawick International’s Safe Travels USA Comprehensive.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

Trawick International’s Safe Travels USA Comprehensive covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute onset of Pre-existing condition coverage and will not be eligible for additional coverage.

02. Do Trawick International travel insurance plans cover pre-existing conditions?

Safe Travels USA Comprehensive and Safe Travels Elite from Trawick International offers acute onset of Pre-existing condition coverage up to 89 years, Safe Travels USA and Safe Travels USA Cost Saver covers unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years for residents visiting USA and worldwide. For the Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1000. Another plan Safe Travels Outbound have pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside of the US.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Trawick International Insurance - FAQ's

01. What are the Trawick international insurance plans available for visitors to USA ?

There are several US visitors insurance plans offered by Trawick international for visitors to USA. Trawick offers more affordable fixed benefits plans namely 'Safe Travel Visitors to USA' and 'Safe Travel visitors Diamond for Seniors', as well as comprehensive coverage plans like 'Safe Travel USA comprehensive'. You can compare the different plan options at:
COMPARE PLANS

02. What are the different Trawick international insurance plans?

Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:

  • Safe Travels USA Comprehensive
  • Safe Travels USA Cost Saver
  • Safe Travels Voyager
  • Safe Travels Journey
  • Safe Travels Elite
  • Safe Travels Outbound
  • Safe Travel International

03. What is the coverage area of Trawick international travel insurance?

Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.

04. How much does Trawick international travel insurance cost?

The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.

05. How do I purchase Trawick international travel medical Insurance?

You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travel Plans. you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.

06. What are the requirements for purchasing Trawick international insurance?

The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

07. Which is the travel insurance that satisfies Schengen visa requirements for travel to Europe?

The Safe travels International satisfies Schengen visa requirements when purchased with a $0 deductible.
Safe Travels International - Plan details

08. Does trawick international offers coverage for Covid19?

Yes, Trawick international US travel insurance and international travel insurance plans cover covid19 illness. Trawick International Covid Insurance covers coronavirus illness like any other sickness.

09. I’m travelling to the US, will Trawick International cover if I get infected with Coronavirus?

If you reside outside the US and are traveling to the US, there are four Covid US travel insurance that will cover coronavirus sickness. You can compare Safe Travels USA insurance. The main differences are the coverage for pre-existing medical conditions that are covered best by the Safe Travels USA Comprehensive and the Safe Travels for Visitors Gold (through Platinum).

These Coronavirus visitor insurance for USA offer coverage for “acute onset” of pre-existing conditions up to $35,000 for persons under 70 and $25,000 for persons 70 and over; they also allow $15,000 for cardiac issues. Otherwise, plans only cover up to $1000 for the acute onset of pre-existing conditions.

10. I’m a US citizen travelling outside US,will Trawick International cover if I get infected with Coronavirus?

If you reside in the US and travel outside the US, you can purchase Safe Travels Outbound or Safe Travels Outbound Cost Saver that will cover coronavirus sickness.We highly recommend Safe Travels Outbound if you are traveling to island nations, such as Turks and Caicos, Tahiti, or other remote locations because they offer $500,000 for emergency medical evacuation.

It is also considered a primary plan and will pay before any other policy you may have. The Safe Travels Outbound Cost Saver, however, allows for $100,000 for MedEvac which may be sufficient in many circumstances. The policy is available for a minimum of five days for up to 180 days.

11. Will Trawick International offer Schengen visa letter and Covid19?

If you reside outside the US and are traveling to a country other than the US, you can purchase the Safe Travels International or Safe Travels International Cost Saver plans.

In the confirmation email after your purchase there will a link to download the VISA LETTER (one per person on the policy) which specifically highlights the coverage of the plan and states it covers COVID-19 as any other illness.

12. What is excess coverage?

The plan pays after any other insurance that you have pays which pays for your claims. The other coverage can be either medical, homeowners, Medicare, another travel coverage, or workers compensation to name a few.

If no other coverage exists then this plan becomes the primary cover. You can read this article to know the different between primary and excess coverage:
Primary vs Excess coverage

13. Which is the ideal plan to cover acute onset of pre-existing conditions?

Safe travel USA comprehensive which offers the following coverage:
Up to age 69: Coverage up to the maximum limit per period of coverage
Age 70: Up to $25,000 per period of coverage
Maximum lifetime limit for emergency medical evacuation $25,000
Cardiac related condition:
Under 69 years - $25,000
70 years and above - $15,000
Safe Travel USA Comprehensive - More details

14. I want to choose the best insurance company for my international travel and international medical insurance. How do I know Trawick International insurance policies are reliable?

Trawick International has several financially stable companies as underwriters including Crum & Forster, SPC. They have the AM Best rating when it comes to the company’s financial stability. They rate Crum & Forster, SPC as “A (Excellent)”. For the travelers going to US, they have plans providing primary coverage and secondary coverage.

The Safe Travels USA provides primary coverage and covers the incurred expenses and the Safe Travels USA Cost Saver provides secondary coverage and covers the remaining expenses not covered by the primary plan. These are comprehensive options and provide easy access to safe, cost effective and high quality health care.

15. I made my own travel arrangements and did not go through an agency.Can I still get medical coverage from you?

I made my own travel arrangements and did not go through an agency.Can I still get medical coverage from you?

16. What is the latest date I can purchase travel insurance?

Trawick travel insurance plans can be purchased either prior to the start of your travel or after the travel has begun and it can be made effective as early as the next day of purchase. Trip protection plans can be purchased any time before the trip begins but the benefits might become limited if the plan is not purchased before specific number of days after the trip has been planned and has been invested on.

17. Can I purchase a policy if I have already departed on my trip?

Yes. You can still purchase the insurance even after the trip has begun. It is important to be aware among several available plans which suits our needs.

Safe Travels International Cost Saver and the Safe Travels USA Cost Saver can be purchased after the trip has started. Safe Travels International and Safe Travels USA are the plans that definitely need to be purchased before the trip begins.

18. When will my coverage become effective?

The coverage can become effective as early as within 24 hours after the purchase of the plan.

19. What is the definition of a Pre-Existing Condition?

A pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not.

20. Does Medicare cover foreign travel?

No. Medicare coverage in US is not available in other countries and will not cover while outside of US. Trawick International’s plans provide coverage for traveling outside the country.

21. Do I need travel insurance if I have a Medicare supplement?

Often health care in other foreign countries other than US is cheaper. If you go overseas, it is better to sign up for a travel insurance apart from the Medigap policies as it becomes flexible to get cover in the event of emergency while outside US. This will relieve you from paying every month for a supplemental policy that covers overseas travel.

Although Medigap plans C, D, E ,F,G,H,I and J pay 80% of the billed charges for the medically necessary emergency while outside US after you meet a deductible of $250 per year, they do not cover medical evacuation and repatriation.

22. I do not reside in the U.S. or Canada. Am I eligible to purchase travel insurance?

Yes. The Trawick international plans like the Safe Travel International plan covers anyone traveling outside of their home country.

23. My travel visa requires medical and evacuation/repatriation coverage or requires a Schengen Visa letter. Does Trawick International offer the required coverage and letter?

Safe Travel International plan from Trawick International meets the Schengen Visa requirements. This plan needs to be purchased with $0 deductible and a policy maximum of $50,000. These plans cover emergency medical evacuation and repatriation. You will receive a link in the confirmation email for the Visa letter through which you can download it.

24. Does Trawick offer coverage for trip interruption due to the death of a close family member who is not traveling on the particular trip?

Yes. Trawick International plans does provide the Trip interruption benefit. The trip interruption covers the one way cost and for the ticket in case of any unforeseen events like the death of a family member. The Safe trip Protection plan covers the lost trip expenses with some restriction in case you lose a close family member.

25. I noticed the Safe Travels Plans says it is Primary coverage and the Safe Travels Cost Saver plans are Excess. What does that mean?

There are 2 kinds of insurance in US. Primary and Secondary. An individual can have both of these insurance plans. In case of a medical expense, the primary plan pays first and if the primary plan has left something unpaid the secondary plan picks that up and pays for it.

The term ‘Excess’ says that it is a secondary plan. This is the plan the needs to be purchased when the individual already has a primary plan. After the primary plan has made the payment the secondary will pay for the left or denied claim payment.

26. How do I cancel a plan from Trawick International?

For Trawick International Policy Cancellation : If your travel plan is cancelled you have to submit a written request to info@trawickinternational.com, for cancellation and refund of your premium.
Cancellation before effective date:

  • A full refund would be considered

Cancellation after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company, then
    • a cancellation fee of US $25 will be charged;
    • only full month premiums will be considered as refundable;
  • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

27. Is Trawick International a good insurance company? Is Trawick International a reliable insurance company

Trawick International insurance is one of the most renowned US travel insurance company that was established in 1998. Trawick international offers a variety of International travel insurance, trip cancellation, Trip interruption and student insurance plans. Trawick insurance has been awarded with the highest honors from Forbes Advisor to be ranked first to be the Best Travel Insurance Companies.

Trawick international insurance offers plans to meet diverse requirements with a premium to meet any budget. The travel insurance covers offered by Trawick International are perfect for employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips and vacationers.

Travelers can customize Trawick insurance plans to cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay and lost baggage. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.

28. Is there coverage for Covid-19 illness in Trawick International travel insurance?

Yes, Trawick international covid insurance is offered as short term comprehensive travel health insurance for covid as any other illness to international visitors to the USA and for US citizens traveling outside of the US borders. The Trawick Covid insurance coverage is given irrespective of the variant contracted

29. Is there a Cancel for any reason insurance cover with Trawick International travel insurance?

Cancel for any reason can be included at an additional cost with the Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans by Trawick International.

30. Is Trawick International insurance a legit company?

Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country.

Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.

31. Can I purchase travel insurance from Trawick International?

Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.

32. What cover does Trawick International offer in Covid travel insurance? Does Trawick covid insurance have Quarantine coverage for US travelers?

Trawick International covid insurance is offered to cover coronavirus illness just like any other illness in their Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans.

Trawick covid insurance coverage for quarantine related or accommodations due to a covered Trip Delay and an optional upgrade can also be included at an additional cost. The quarantine order should be based on the positive Covid-19 test report. Trawick international covid insurance quarantine coverage is not available in the home country.

33. Why should I buy travel insurance from Trawick International?

Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.

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