Safe Travels USA Comprehensive

Safe Travel USA comprehensive policy is available to Non-US citizens or Non-US Residents who reside outside the US and are traveling outside of their Home
Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. The plan is not available to US Citizens, US Residents, or Green Card Holders in the US. The plan is available for individuals up to the age of 90 years. This Policy is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.

Pre-existing conditions are excluded by the Safe Travels USA Comprehensive Plan, however, the plan can cover for one episode of an acute onset of pre-existing conditions

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. Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.

The policy provides coverage for an acute onset of a pre-existing condition. Any repeat/recurrence within the same policy period will no longer be considered an acute onset of a pre-existing condition and will not be eligible for additional coverage. A pre-existing condition that 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 when you are medically discharged or receive medical advice stating that the condition and onset are no longer acute.

Acute Onset of a Pre-Existing Condition means a sudden and unexpected outbreak or recurrence of a Pre-Existing Condition which

• 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; and
• Occurs a minimum of 48 hours after the Effective Date of the policy and
• Treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Though the plan does not restrict you from going to any doctor in the area, to get negotiated rates, and to waive the deductible and coinsurance it is beneficial to go to a provider in the network.

You can search for providers (doctors, hospitals, Urgent care, etc.) in the Coventry First health PPO network

No, adventure sports are excluded from coverage. However, for an additional premium, the plan offers an optional sports rider for Injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities. Professional and Semi-Professional Sports for the following sports:

Class 1 – includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball, and Golf

Class 2 – includes 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 the policy unless the activity is noncontact and engaged in solely for the purpose of leisure, recreation, entertainment, or fitness.

The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents.  If you do have the passport number, you can enter it. A valid credit card will be required to complete the purchase.

Once the application is submitted, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.

As long as your initial purchase was a minimum of 5 days, you can renew the policy. The plan can be bought from 5 days to 364 days. The plan can be renewed before the end date of policy and can be extended up to 1 year.

Before the effective date of the policy:  Full cancellation and refund will only be considered if a written request is received prior to the Effective Date of the coverage.

After the effective date of the policy:  If a written request is received after the Effective Date of coverage, 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 the premium is fully earned and is non-refundable.
• 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

•  If after a refund is made, it is determined that a claim was presented on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety.

Available 24 hours a day, 365 days a year
Toll free within the United States and Canada: 877-916-7920
Outside the United States and Canada, call direct or Collect: 949-916-7941

This plan is underwritten by Crum & Forster International with an A.M Best rating “A”