Safe Travels International offers international health insurance plans for US citizens or anyone traveling outside their home country, but not visiting the United States. Rates are based on age and plan options. This plan is appropriate for international student health insurance. Coverage can be purchased online for a minimum of five (5) days up to a maximum of one year. If a minimum of one month is purchased, the policy term may be renewed with uninterrupted coverage for up to 24 consecutive months. We accept Visa and MasterCard. Policy documents and ID cards are issued online immediately upon payment of the premium. Coverage can be applied for online or download a brochure to mail or fax with payment.
About The Safe Travels International / Cost Saver Plans
There are two main types of travel medical plans; primary and\ secondary/excess. Our Safe Travels Medical Insurance offers primary coverage, which will take care of\ your covered expenses, regardless of other insurance, up to an amount you choose with flexible deductible options and add on coverage for specific needs. Safe Travels Cost Saver is a secondary/excess plan which provides all the options available under Safe Travels Medical Insurance but coordinates and covers medical expenses your primary health plan doesn't, such as deductibles, co-insurance and medical evacuation. Cost Saver plan rates are approximately 15% cheaper on average than our Safe Travels Medical Insurance. If you have no other coverage the Cost Saver plan becomes primary coverage. No matter which plan you choose, travel medical insurance is a must when planning a trip out of your home country.
Medical Insurance 5 days to 1 year Renewable up to 2 yrs
|Plan: 1 – Safe Travels Int'l Cost Saver - Approx. 15% cheaper on average than Safe Travels Int'l:|
|Brochure, Application & Rates Rates Claim forms Renewal links Get Quote & Apply Online|
|This is a SECONDARY travel medical plan for anyone who has insurance while traveling, but would like that extra level of protection including emergency medical evacuation, repatriation and security evacuation benefits. It is a temporary insurance for persons traveling to the USA and then going to other countries. Covered places include countries en-route to and those on the itinerary on the way to the USA or the way home. Cost Saver plan rates are approximately 15% cheaper on average than our Safe Travels Medical Insurance.. If you have no other coverage the Cost Saver plan becomes primary coverage.|
|Plan: 2 – Safe Travels Int'l - Primary Benefits- It pay these benefits without regard to any Benefits:|
|Brochure, Application & Rates Rates Claim forms Renewal links Get Quote & Apply Online|
|Safe Travels International offers international health insurance plans for US citizens or anyone traveling outside their home country, but not visiting the United States. Rates are based on age and plan options. This plan is appropriate for international student health insurance. Coverage can be purchased online for a minimum of five (5) days up to a maximum of one year. If a minimum of 45 days is purchased, the policy term may be renewed with uninterrupted coverage for up to 24 consecutive months. We accept Visa and MasterCard. Policy documents and ID cards are issued online immediately upon payment of the premium. Coverage can be applied for online or download a brochure to mail or fax with payment.|
|BENEFITS AT A GLANCE (Per Person)|
|Medical Maximum:||$50,000, $100,000, $250,000, $500,000, $1,000,000|
|Deductible Options:||$0, $50, $100, $250, $500, $1,000, $2,500, $5,000|
|Co-insurance:||100% of all Covered Expenses|
|After you pay your deductible this plan will pay 100% of Covered Expenses. This plan covers Accident and Sickness Medical Expenses after the Insured satisfies any Deductible, without regard to any other Health Care Plan Benefits or to any Coordination of Benefits provision in any other Health Care Plan payable.|
|Medical Expense Benefits (subject to Policy Maximum, Deductible and Co-Insurance|
|Hospital Room and
|Average semi private room rate|
|Ancillary Hospital Expenses:||Services and supplies including operating room, laboratory tests, anesthesia and medicines when Hospital Confined. This does not include personal services of a non-medical nature.|
|Medical Emergency Care (room and supplies) Expenses:||Incurred within 72 hours of an Accident or Sickness and including the attending Doctor's charges, X-rays, laboratory procedures, use of the emergency room and supplies.|
|ICU Room and Board Charges:||Three times the average semi private room rate|
|Medical Services and Supplies:||Expenses for blood and blood transfusions; oxygen and its administration.|
|Outpatient Medical:||Usual customary charge to the selected Medical Maximum|
|Emergency Medical Treatment of Pregnancy:||$2,500|
|Mental or Nervous Disorders:||$2,500|
|Physiotherapy/Physical Medicine/Chiropractic:||$50 per visit per day; up to 10 visits per Policy Period|
|Dental Treatment (Injury and emergency alleviation of pain):||$500|
|Dental Expenses for Injury or pain up to $250 including dental x-rays for the repair or treatment of each injured tooth that is whole, sound and a natural tooth at the time of the Accident and emergency alleviation of dental pain.|
|Doctor Visits, X-rays and Prescriptions, Ambulance:|
|Usual customary charge to the selected Medical Maximum
Doctor Non-Surgical Treatment/Examination Expenses including the Doctor's initial visit, each Medically Necessary follow- up visit and consultation visits when referred by the attending Doctor.
X-ray Expenses (including reading charges).
Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Doctor
Ambulance Expenses for transportation from the emergency site to the Hospital.
|Unexpected recurrence of a pre-existing condition:||The first $20,000 of Covered Expenses up to age 65 or the first $10,000 for over age 65|
|The pre-existing condition exclusion is waived for the first $20,000 of Covered Expenses, up to age 65 or the first $10,000 over age 65, resulting from a sudden, unexpected recurrence of a Pre-existing Condition while traveling outside your 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.|
|Other covered medical expense|
Doctor's Surgical Expenses.
Assistant Surgeon Expenses when Medically Necessary.
Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.
|Additional Benefits (not subject to Policy Maximum, Deductible or Co-Insurance)|
|Accidental Death & Dismemberment Principal Sum:||
Spouse/Domestic Partner/Traveling Companion $25,000
Dependent Child $10,000
|If Injury results, within 365 days from date of Accident in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.|
|"Quadriplegia" means total Paralysis of both upper and lower limbs. "Hemiplegia" means total Paralysis of the upper and lower limbs on one side of the body. "Uniplegia" means total Paralysis of one lower limb or one upper limb. "Paraplegia" means total Paralysis of both lower limbs or both upper limbs. "Paralysis" means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted. "Member" means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing. "Loss of Hand or Foot" means complete Severance through or above the wrist or ankle joint. "Loss of Sight" means the total, permanent Loss of Sight of one eye. "Loss of Speech" means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. "Loss of Hearing" means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. "Loss of a Thumb and Index Finger of the Same Hand" or "Loss of Four Fingers of the Same Hand" means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). "Severance" means the complete separation and dismemberment of the part from the body.The amount payable for a Covered Loss will be reduced if you are age 70 or older on the date of the Accident causing the loss. The amount payable for your loss is a percentage of the amount that would otherwise be payable and based on age. Age 70-74 - 65%, Age 75-79 - 45%, Age 80-84 - 30%, Age 85 and older 15%.|
|Coma Benefit:||$10,000 per Policy Period|
|If you become Comatose within 31 days of a Covered Accident or Sickness and remain in a Coma for at least 31 days. A person is deemed "Comatose" or in a "Coma" if he or she is in a profound stupor or state of complete and total unconsciousness, as the result of a Covered Accident or Sickness.|
|Felonious Assault and Violent Crime:||100% of the Principal Sum applicable to the Covered Loss to a maximum of $50,000|
|We will pay benefits subject to the following conditions, when you suffer a Covered Loss resulting directly and
independently of all other causes from a Covered Accident that occurs during a violent crime or felonious assault
as described below. A police report detailing the felonious assault or violent crime must be provided before this benefit is payable. You must notify the police within 24 hours of the assault. The Covered Accident must occur during any of the following:
|Adaptive Home and Vehicle:||$5,000 Maximum|
|If you have an Injury which results in a Loss payable under the Accidental Death and Dismemberment Benefit, We will pay
an additional benefit equal to the least of the actual cost of the alterations or $5,000 for the one-time cost of alterations
to your principal residence; and/or private automobile to make the residence accessible and/or the private automobile
drivable or rideable. The costs must be incurred within one year from the date of accident and alterations are made by a person or persons with experience in such alterations.
|Seatbelt Benefit:||10% of Principal Sum up to a maximum benefit of $50,000|
|If you die or are dismembered directly and independently from Injuries sustained while wearing a seatbelt and operating
or riding as a passenger in an Automobile. An additional benefit is provided if you were also positioned in a seat
protected by a properly-functioning and properly deployed Supplemental Restraint System (Airbag). Verification of proper
use of the seatbelt at the time of the Covered Accident and that the Supplemental Restraint System properly inflated
upon impact must be a part of an official police report of the Covered Accident or be certified, in writing, by the
investigating officer(s) and submitted with your claim to Us. If such certification or police report is not available or it is unclear whether you were wearing a seatbelt or positioned in a seat protected by a properly functioning and properly deployed Supplemental Restraint System, We will pay a default benefit of $2,000 to you if living, if not, then to your beneficiary. In the case of a child, "seatbelt" means a child restraint, as required by state law and being used as recommended by its manufacturer.
|Exposure and Disappearance||Principal Sum|
|Covers exposure to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident.|
|Airbag Benefit:||10% up to $50,000|
|Hijacking and Air or Water Piracy:|
|Covers injury during the:
|Emergency Medical Evacuation:||100% up to $2,000,000|
|If you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which
requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or
other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies
necessarily received in connection with such transportation. If after hospitalization or treatment for a covered Injury or
Sickness, you are unable to continue your journey, Our designated assistance provider, in conjunction with the local
attending Doctor and/or your habitual Doctor, will organize your return to your Home Country. If the gravity of the
situation so dictates, Our designated assistance provider will ensure that appropriate medical care is provided to you
during the return journey. If Our designated assistance provider and the local attending medical practitioner consider you
stable enough to be medically repatriated, without endangering your health, and you refuse repatriation, We will
continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount
that would have been payable for the medical repatriation, subject to policy maximums and limitations. Benefits will not
be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance.
Benefits will not be payable unless
|Political Evacuation:||$25,000 Maximum per policy period|
|Covers an extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You
are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home
Country or country of residence. Benefits will be paid for:
|Repatriation of Remains:||100% up to $1,000,000|
|We will pay 100% of Covered Expenses Repatriation Benefits for preparation and return of your body to your Home
Country if you die due to an Injury or Sickness. Benefits will not be payable unless We authorize in writing or by an
authorized electronic or telephonic means all expenses in advance. Covered expenses include:
|Emergency Reunion:||$15,000 per Policy Period|
|Covers the cost of one economy airfare ticket and other local travel related expenses; or the reasonable expenses
incurred for lodging and meals of your Immediate Family Member for a period of 10 days to accompany you to your Home
Country or Hospital where you are confined if:
|Return of Minor Child(ren) or Travel Companion:||$5,000|
|If the Insured, age 18 or older, is the only person traveling with minor Dependent children who are under the age of 21
or a Travel Companion, suffers an Injury or Sickness and must be confined in a Hospital for at least 48 consecutive hours
or is medically evacuated to another location, We will reimburse the cost of a one way economy airfare ticket and/or
ground transportation ticket to their Home Country, not to exceed $5,000. All transportation arrangements must be made by the most direct and economical route and conveyance possible and may not exceed the usual level of charges for similar transportation in the locality where the expense is incurred. Benefits will not be paid unless all expenses are approved in advance by Us, and services are rendered by the Company's assistance provider.
|Hospital Confinement:||$150 per day 15 day Maximum|
|Pays a benefit when you are Hospital Confined, and all of the following conditions are met:
|Coverage is provided for the replacement costs of clothes and personal hygiene items, up to $75 per article up to a $300 maximum, if your luggage is checked onto a common carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.|
|Trip Interruption:||$7,500 maximum|
|We will reimburse the cost of one way economy air and/or ground transportation ticket if your Trip is interrupted as the
|Benefit Period:||1 year from the date of the Covered Accident or Sickness|
|OPTIONAL BENEFITS||Upgrade AD&D|
|Up to $1,000,000 is available for purchase.|
|Persons up to age 69 are eligible for all Options
Persons age 70-79 are eligible for Option 1 and 2
Persons age 80 and older are eligible for Option 1 only
|Home Country/Follow Me Home Coverage|
|Home Country Coverage/Follow Me Home You can cover the following by increasing the per person per day rate by 1.10 (10%): covers you upon an incidental trip to your Home Country during your period of coverage (60 days per 12 months of purchased coverage or pro rata thereof. Example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to your Home Country. This also pays Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside your Home Country. This Benefit does not apply when an Emergency Evacuation has occurred.|
|Athletic Sports Coverage|
|You can cover the following by increasing the per person per day rate by 1.20 (20%): Coverage for injuries incurred during amateur athletic activities which are non-contact and engaged in solely for entertainment, fitness, leisure or recreation purposes. Activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned or which involves regular or scheduled practices, games or competitions. Coverage may be purchased for participation in amateur, club, intramural, interscholastic or intercollegiate tennis, swimming, cross country, track, volleyball and golf. Sports not listed here must be rated and approved in writing by the Company prior to policy issue. All professional and semi-professional sports are excluded.|
|Extreme Sports/Hazardous Activities||(not available to Insured's over the age of 65)|
|The following need the Extreme Sports/Hazardous Activity Coverage, which can be purchased by increasing the per person per day rate by 1.25 (25%). Aviation (except when traveling as a passenger in a commercial aircraft), Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Motorcycling Mountain Biking, Paragliding, Parasailing, Parascending, Scuba Diving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking up to 3500 meters above ground and with proper ropes or guides (not exceeding Class V difficulty on the Yosemite Decimal System) Water Skiing, Wind Surfing, Whitewater Rafting (not exceeding Class V), Zip Lining, Zorbing. The following activities are always excluded under the Policy: Abseiling, BASE Jumping, Extreme Sports, Luge, Motocross, Moto-X, Mountaineering, Mountain Climbing (which exceeds Class V difficulty on the Yosemite Decimal System), Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Ski Jumping, Skydiving, Whitewater Rafting (exceeding Class V).|
|War Risk coverage can be purchased for the following countries: Algeria, Burundi, Central African Republic, Colombia, East Timor, Ethiopia, Guinea, Haiti, India (Jammu & Kashmir Only), Iran, Lebanon, Liberia, Pakistan, Saudi Arabia, Sri Lanka, Yemen and Zimbabwe. Afghanistan, Chad, Chechnya, Democratic Republic of Congo, Iraq, Israel, Ivory Coast, Nigeria, Somalia and Sudan Call Company for rates.|
|DEFINITIONS (a complete list is on the certificate)|
"Accident" means a sudden, unexpected and unintended event. "Age" refers to the age of the Covered Person on his or her most recent birthday.
"Covered Expenses" means expenses actually incurred by or on behalf of a Covered Person for treatment, services and supplies covered by the Policy. Coverage under the Policy must remain continuously in force from the date of the Accident or Sickness until the date treatment, services or supplies are received for them to be a Covered Expense. A Covered Expense is deemed to be incurred on the date such treatment, service or supply, that gave rise to the expense or the charge, was rendered or obtained. "Deductible" means the dollar amount of Covered Expenses that must be incurred as an out ofpocket expense by each person on a per Policy Term basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis are payable under the Policy. "Doctor" means a licensed health care provider acting within the scope of his or her license and rendering care or treatment to a Covered Person that is appropriate for the condition and locality. It will not include a Covered Person or a member of the Covered Person's Immediate Family Member or household. "Home Country" means a country from which the Covered Person holds a passport. If the Covered Person holds passports from more than one country, his or her Home Country will be that country which the Covered Person has declared to Us in writing on the application as his or her Home Country. "Hospital" means an institution that:
Safe Travels International plan provides Accident and Sickness Medical, Accidental Death and Dismemberment, Emergency Medical Evacuation, Emergency Reunion, Political Evacuation, Trip Interruption, Repatriation, and Travel Assistance to individuals while traveling outside their Home Country, but not visiting the United States. It can provide coverage for you, your spouse/domestic partner/traveling companion and dependent children/grandchildren up to age 21 years. Coverage International Travel with Trip Cancellation is available through the Safe Travel USA or Safe Travel Care 360. Customized coverage for groups of 5 or more people is available under the Safe Travels for Groups.
Coverage will begin at 12:01 a.m. on the latest of the following dates:
Coverage will end at 12:00 a.m. on the earliest of the date:
We will not pay Medical Expense Benefits for any loss, treatment or services resulting from or contributed to by:
Sickness resulting from pregnancy, childbirth, miscarriage (except as provided by the Policy). With "Hernia of any kind."
The CMN network is for major medical, foreign travel and other expatriate benefit plans offering service at Centers of Excellence with over 400,000 physicians. The CMN network offers nationwide coverage across the U.S. with concentrations in metropolitan and urban cities, traditional travel states, and many rural areas. To search for providers participating in our network. For these plans you are not restricted to go to this specific list of doctors but it is recommended for easier claim process and negotiated rates.