Insubuy Insurance

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Safe Travels USA - Visitor Medical Insurance

Please use this high level information as a guide only and do not make any decisions solely based on this comparison. If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details in concise information such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.


All the amounts are in U.S. dollars.


Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.


Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.


 
Plan type Comprehensive Comprehensive Plans
Plan name
Safe Travels USA
Co-insurance
After deductible, you pay 20% of the first $5,000 in covered expenses, rest covered at 100% up to selected policy maximum.
MEDICAL - OUTPATIENT
Doctor/ urgent care visits To policy maximum
Hospital emergency room (all expenses incurred therein) To policy maximum
Prescription drugs To policy maximum
Diagnostic x-rays lab services To policy maximum
Surgical treatment To policy maximum
To policy maximum
To policy maximum
To policy maximum
MEDICAL - INPATIENT
Hospital room and board including miscellaneous To policy maximum, average semi-private room
Intensive care unit To policy maximum, three times average semi-private room rate
Surgical treatment To policy maximum
Anesthetist To policy maximum
Assistant surgeon To policy maximum
Physician's non-surgical visits To policy maximum
Consult physician, when requested by attending physician To policy maximum
To policy maximum
MEDICAL - OTHER TREATMENT AND SERVICES
-
Local ambulance
To policy maximum
-
-
$2,500
Emergency medical treatment of pregnancy to $1,000
$50/visit 1 visit/day 10 visits per policy period
$1,000 sudden, unexpected recurrence of pre-existing condition
-
Yes. Coventry PPO
None
Optional
Benefit period for continued treatment following termination date of policy
1 year
DENTAL
$250
$250
TRAVEL
$2,000,000
$1,000,000
-
$15,000
$5,000
-
$5,000
$1,000
LIFE
$25,000 (optional addons to $500,000)
$25,000 (optional addons to $500,000)
OTHER
Optional Home Country Coverage/Follow Me Home Coverage
-
-
$50/day 10 days max
-
-
PLAN FEATURES
Brochure
How Plan Works
Paper Application
Description of Coverage
Provider Directory
5 Days Renewable
Renewable Yes, renewable for min. 5 days
Cancellation policy Before effective date, full refund. After effective date, pro-rated refund minus $10 cancellation fee as long as no claims have been filed since the effective date.
multiples of days (min 5 days) - max 2 years
$0
$0
Help Help Help Help
Available deductibles
By Age
Annual
$0
$50
$100
$250
$500
$1,000
$2,500
$5,000
Policy maximum options
By Age
lifetime maximum
$50,000 Up to 89
$100,000 Up to 64
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
Claims administrator GBG Administrative Services
Insurance company / Carrier / Underwriter GBG Insurance Limited
A.M. Best rating B+ "Very Good"

  • *Not subject to Deductible or Coinsurance

  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).

  • Coverages shown are per person unless noted otherwise.