Safe Travels USA Comprehensive is a comprehensive coverage plan for non-US residents visiting USA. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you make a purchase, you will receive a virtual id card in your email.
What is covered and not covered?
The insurance company will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity.
Prescription drugs are covered like any other eligible medical expenses.
Acute onset of a pre-existing conditions is covered up to the policy maximum for people 69 and younger (cardiac $25,000). For those aged 70-89, the maximum amount is reduced to $35,000 (cardiac $15,000).
Dental is covered only up to $250 for acute pain to sound and natural teeth. For any practical dental coverage, consider a low cost plan from CAREINGTON that provides excellent coverage.
Safe Travels USA Comprehensive will cover outside the home country including during travel. It covers loss of checked luggage up to $1,000.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
First, if you visit an in network provider, you have a $0 deductible; however, if you visit an out of network provider, you will have to pay your annual deductible (varies from $0 to $5,000) before the insurance company starts paying anything for the covered expenses, even for doctor visits and you will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay.
After that, within the First Health PPO network, the plan pays 100% of covered expenses. Outside of the First Health PPO network, the plan pays 80% of the next $5,000 of covered expenses, you pay 20%. In other words, you will have to pay a maximum of $1,000 out of your pocket towards the 20% coinsurance if you visit out of network providers.
Then, the plan pays 100% up to the selected policy maximum, ranging from $50,000 to $1,000,000, depending upon your age.
Let's assume that you have purchased a $50,000 policy maximum with a $100 deductible for 3 months and you are visiting an out of network provider.
Let's assume that the out of network doctor charges you $150/visit and you need to visit several times.
The first time you visit the out of network doctor, you will have to pay all of that $100 yourself, which will satisfy your annual deductible. After the deductible is met, the coinsurance begins; the plan will pay 80% of the $50 (which is $40), and you will pay $20% (which is $10).
When you visit the out of network doctor next time, and he charges you $150, you will not have to pay a deductible as you have already completely satisfied your annual deductible. The plan pays 80% (which is $120), and you pay 20% (which is $30).
For any subsequent treatment (whether for the same condition or a different condition), you don't have to pay the deductible again. The insurance company will continue to pay 80% of the first $5,000 in covered medical expenses, you continue to pay 20% (that is maximum $1,000).
After that, the insurance company will pay 100% for covered medical expenses, up to $50,000. If you incur any expenses beyond $50,000, you will be responsible to pay that amount.
Let's assume that you were in an accident and are hospitalized for 2 days. The hospital charges $12,000 per day for a total bill of $24,000. Assuming this is the first instance of your needing to use the insurance, you pay your $100 deductible plus $1,000 (20% of first $5,000) and the insurance company will pay the rest.
Even if you extend your insurance after the initial 3 months, you don't have to pay the deductible again.
Benefits Updated: 06/05/2018