Safe Travels Elite

Plan Detail

Plan Administrator: Trawick International | AM Best Rating: A | Underwriter: Crum and Forster, SPC

Provider Network


Preferred Provider Network: The Company maintains a Preferred Provider Network both within and outside the United States. Within the United States, the Company recommends the use of the Preferred Provider Network for maximum benefit payment. Outside the U.S., the Company retains the right to require the use of a Network Provider, where available Or be subject to a 20% copayment on all claims. Utilizing these providers may result in payments directly to the provider as well asreferralsto licensed medical providers you can trust. You can find the link to the provider directory at https://www.trawickinternational.com/resources/healthcare-provider-searc

In the United States, provider choices and reimbursement assessment will be based as follows: In-Network Preferred Provider: This tier consists of all In-Network Providers as well as other preferred providers designated by the Company and listed on the website. In-Network Providers have agreed to accept a negotiated discount for services. This results in lower out-of-pocket costs.

Out-Of-Network Provider: Utilizing providers that are Out-of-Network is a more costly financial option for the Insured. The Company reimburses such providers up to a Reasonable and Customary amount as determined by the Company. The provider may bill the Insured the difference between the amounts reimbursed by the Company and the Provider’s billed charge. Additionally, you will pay a Coinsurance amount that is higher than ifan In-Network Provider were used. Amounts in excess of the Reasonable and Customary charges will not count toward theOut-of-Pocket Maximum, Deductibles or Plan Co-payments

Emergency Care: In an EMERGENCY SITUATION, call for emergency assistance (911 in the United States) and go to the closest emergency facility. If you are not sure where to go you may contact the Assistance Provider at the number on your ID card and they may be able to direct you to the closest network facility. Remember, itis your health so you must act prudently in an emergency and seek the care you need.

Emergency Care: In an EMERGENCY SITUATION, call for emergency assistance (911 in the United States) and go to the closest emergency facility. If you are not sure where to go you may contact the Assistance Provider at the number on your ID card and they may be able to direct you to the closest network facility. Remember, itis your health so you must act prudently in an emergency and seek the care you need.