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+1 (866) INSUBUY
+1 (866) 467-8289
8 AM - 9 PM US Central Time Seven Days a Week Source ID: Insubuy
+1 (866) INSUBUY467-82898 AM - 9 PM US Central TimeSeven Days a Week

Safe Travels International Cost Saver

International Travel Medical Insurance

5 Days to 364 Days

Safe Travels International Cost Saver Highlights

  • Insurance for up to $1,000,000 in accident and sickness medical expenses, Emergency Medical Evacuation, Medically Necessary Repatriation, Political and Natural Disasters Evacuation, Repatriation of Mortal Remains, Emergency Reunion
  • This Policy provides coverage to non-US citizens traveling outside of Their Home Country and not traveling to the United States. Please note this Policy IS NOT valid for travel from, in, or to the United States of America. This Policy is not available to anyone who has been outside their Home Country for more than 365 days prior to the coverage starting.
  • Limited Coverage for an unexpected recurrence of a Pre-Existing Condition
  • Coverage from 5 days to 364 days - extensions are available
Benefits of Coverage
Emergency Medical & Hospitalization Policy Max.$50,000, $100,000, $250,000, $500,000 or $1,000,000
Deductible Options$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Co-Insurance100% after the deductible
COVID-19 Medical ExpensesNot Covered
Unexpected Recurrence of a Pre-Existing Condition$2,500 per Policy Period
Hospital/ICU Room & Board Charge100%
Outpatient Medical, Ambulance100%
Doctor Visits, **Telemedicine, X-rays100%
Prescription MedicineSubject to Deductible and Co-insurance
Emergency Medical Treatment of PregnancyUp to $2,500
Mental or Nervous DisordersUp to $2,500
Physiotherapy/Physical Medicine/Chiropracticup to $50 per visit per day
(10 visits per policy period)
Dental TreatmentUp to $500 for injury or pain to sound natural teeth
Political Evacuation*$25,000
Natural Disasters Evacuation*$10,000
Repatriation of Remains*$1,000,000
Emergency Reunion*$15,000
Return of Minor Children or Travel Companion*$5,000
Trip Interruption*$7,500 per policy period
Lost Baggage*$1,000
AD&D*$25,000
**24/7 Emergency AssitanceIncluded

*Not subject to the deductible **This is a non-insurance service and is not a part of the insurance underwritten by Crum & Forster, SPC. See link for details on how to use Telemedicine.

Premium Rates - per person per day

Plan includes a $10 per person minimum premium

Max Limit: $50,000
Deductible$0$50$100$250$500$1,000$2,500$5,000
Under age 21$0.77$0.71$0.65$0.59$0.53$0.48$0.42$0.36
22-29$1.14$1.06$0.97$0.88$0.79$0.70$0.62$0.53
30-39$1.34$1.24$1.14$1.03$0.93$0.83$0.72$0.62
40-49$2.32$2.14$1.96$1.78$1.60$1.43$1.25$1.07
50-59$4.02$3.71$3.40$3.09$2.78$2.47$2.16$1.85
60-64$5.03$4.65$4.26$3.87$3.48$3.10$2.71$2.32
65-69$5.88$5.43$4.97$4.52$4.07$3.62$3.16$2.71
70-79$9.72$8.98$8.23$7.48$6.73$5.98$5.24$4.49
80+$15.49$14.30$13.10$11.91$10.72$9.53$8.34$7.15

Max Limit: $100,000
Deductible$0$50$100$250$500$1,000$2,500$5,000
Under age 21$0.97$0.90$0.82$0.75$0.67$0.60$0.52$0.45
22-29$1.30$1.20$1.10$1.00$0.90$0.80$0.70$0.60
30-39$1.59$1.47$1.34$1.22$1.10$0.98$0.85$0.73
40-49$2.60$2.40$2.20$2.00$1.80$1.60$1.40$1.20
50-59$4.59$4.24$3.88$3.53$3.18$2.82$2.47$2.12
60-64$6.05$5.58$5.12$4.65$4.19$3.72$3.26$2.79
65-69$6.45$5.95$5.46$4.96$4.46$3.97$3.47$2.98
70-79$12.44$11.48$10.53$9.57$8.61$7.66$6.70$5.74

Max Limit: $250,000
Deductible$0$50$100$250$500$1,000$2,500$5,000
Under age 21$1.02$0.94$0.86$0.78$0.70$0.62$0.55$0.47
22-29$1.43$1.32$1.21$1.10$0.99$0.88$0.77$0.66
30-39$1.83$1.69$1.55$1.41$1.27$1.13$0.99$0.84
40-49$2.72$2.51$2.30$2.09$1.88$1.67$1.46$1.25
50-59$4.75$4.38$4.02$3.65$3.29$2.92$2.56$2.19
60-64$6.29$5.81$5.32$4.84$4.36$3.87$3.39$2.90
65-69$6.56$6.06$5.55$5.05$4.54$4.04$3.53$3.03

Max Limit: $500,000
Deductible$0$50$100$250$500$1,000$2,500$5,000
Under age 21$1.06$0.98$0.90$0.81$0.73$0.65$0.57$0.49
22-29$1.59$1.47$1.34$1.22$1.10$0.98$0.85$0.73
30-39$2.12$1.95$1.79$1.63$1.47$1.30$1.14$0.98
40-49$2.92$2.69$2.47$2.24$2.02$1.80$1.57$1.35
50-59$4.95$4.57$4.19$3.81$3.43$3.04$2.66$2.28
60-64$6.61$6.10$5.59$5.08$4.57$4.07$3.56$3.05
65-69$6.78$6.26$5.74$5.21$4.69$4.17$3.65$3.13

Max Limit: $1,000,000
Deductible$0$50$100$250$500$1,000$2,500$5,000
Under age 21$1.17$1.08$0.99$0.90$0.81$0.72$0.63$0.54
22-29$1.79$1.65$1.51$1.38$1.24$1.10$0.96$0.83
30-39$2.43$2.24$2.06$1.87$1.68$1.50$1.31$1.12
40-49$3.86$3.56$3.27$2.97$2.67$2.38$2.08$1.78
50-59$5.19$4.79$4.39$3.99$3.59$3.19$2.80$2.40
60-64$7.46$6.89$6.32$5.74$5.17$4.59$4.02$3.45
65-69$7.71$7.11$6.52$5.93$5.34$4.74$4.15$3.56

Other Details

  • The effective date is based on the date requested and once payment has been received.
  • Plan Rates are per person and based on age of traveler at the time of purchase and the Policy Maximum.
  • Rates are subject to change prior to enrollment.
  • Coverage from 5 days to 364 days total
  • AUTOMATIC EXTENDED COVERAGE - Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end on the earlier of the date you reach your originally scheduled date to return or 5 days after the Termination Date.
  • Apply Online - Accepting Visa, Mastercard, American Express, or Discover.

Travel Assistance Services

24-hour travel assistance services are provided by On Call International.

This coverage contains a Pre-Existing Condition limitation. “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.

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.

Notice:

Please keep this Brochure as 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 Fairmont Specialty Trust. For a detailed plan description, exclusions, and limitations please view the plan on file with Fairmont Specialty Trust. 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 Brochure and the Policy.

Note:

This insurance is not subject to and does not provide certain insurance benefits required by the United States’ Patient Protection and Affordable Care Act (“PPACA”). PPACA requires certain US citizens or US residents to obtain PPACA compliant health insurance, or “minimum essential coverage.” PPACA also requires certain employers to offer PPACA compliant insurance coverage to their employees. Tax penalties may be imposed on U.S. residents or citizens who do not maintain minimum essential coverage, and on certain employers who do not offer PPACA compliant insurance coverage to their employees. In some cases, certain individuals may be deemed to have minimum essential coverage under PPACA even if their insurance coverage does not provide all of the benefits required by PPACA. You should consult your attorney or tax professional to determine whether the policy meets any obligations you may have under PPACA.

Privacy Statement:

We know that your privacy is important to you and we strive to protect the confidentiality of your non-public personal information. We do not disclose any non-public personal information about our insureds or former insureds to anyone, except as permitted or required by law. We maintain appropriate physical, electronic and procedural safeguards to ensure the security of your non-public personal information.

Complaints:

In the event that you remain dissatisfied and wish to make a complaint you can do so to the Complaints team at Co-Ordinated Benefit Plans.

Data Protection:

Please note that sensitive health and other information that you provide may be used by us, our representatives, the insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited, or no data protection laws). We have taken steps to ensure your information is held securely. Where sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use as set out above. Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.

By purchasing this insurance provided by Crum & Forster SPC, under the jurisdiction of the Cayman Islands, you become a member of the Fairmont Specialty Trust.

Administrator

Trawick International Inc.
Post Office Box 2284
Fairhope, AL 36533

Underwriter

Co-Ordinated Benefit Plans, LLC on Behalf of Crum and Forster
PO Box 2069
Fairhope, AL 36533

FOR ADDITIONAL INFORMATION

Insubuy®, LLC.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: +1 (866) INSUBUY
Phone: +1 (972) 985-4400
Fax: +1 (972) 767-4470
Website: www.insubuy.com

This is a brief summary of the features available in this plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. Limitations and exclusions apply. The terms and conditions of coverage may be viewed in the Certificate Wording.

Version: 11/22/2022
AH-2845

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

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

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

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

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

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

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

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

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

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

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

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

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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