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For SafeTravel International Insurance, it is stated that it cover Covid-19. I am only looking at Co-Insurance 100/0. I have the following clarifications 1 - Any key (common) exclusion to Covid-19 that I need to be aware of. 2 - Also to confirm that in unfortunate event of hospitalization required, I just need to provide my insurance certificate and there shall be no other payment from me less deductible. 2 - If there are such exclusion, please highlight. 3 - Will there be any restriction to hospital as in situation such as this, one do not have much choice but to go to the 'nearest' and very likely decision will be by them as I will not be familiar with the medical locality available at destination country. 4 - I will sure have an overlapping coverage as I have annual travel insurance that excludes Covid-19. In event of medical treatment not due to Covid-19, how shall the claim sequence be like? 5 - Country that I am likely to go are Hong Kong, Vietnam or Thailand. Any difference in Tavel Medical Insurance for these 3 countries. 6. What is the difference between SafeTravel International and Safe Travels International Cost Saver?


To better assist you with your inquiries we would recommend that you call our office and speak with a licensed age for additional clarity to your questions. 

The Safe Travel International Cost Saver plan will cover the new accidents and illnesses that occur after the effective date of the policy. COVID-19 coverage will cover what is medically necessary related this could include cost for testing as well as treatment, the illnesses would have to manifest after the effective date of the policy and testing be request by a medical professional. 

Outside of the United States there is no concept of a PPO network so you are free to visit any provider you chose to seek treatment. 

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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.

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Visiting USA?

Healthcare costs are very high in the U.S.

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Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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You don't need to purchase travel insurance for every trip.

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Most schools require international students to purchase health insurance.

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