Why we like it:
Trawick USA Adventure Sports Insurance is actually one of our most recommended insurance plans for adventure sports in the USA. This travel insurance for sports activities covers most sports and adventure sports (minus racing & professional sports), and is an affordable international travel insurance plan for travel to the USA. It offers a high level of medical evacuation and optional AD&D, and even has good team sports coverage. Choose enhanced lost bags & theft of bags up to $3500 to protect your technical equipment.
It covers you from 5 days up to one year with an option to renew for another year (you select the amount of time and only pay for the days you are actually traveling).
We also like the Optional Home Country/”Follow Me Home” Coverage.
Good for:
- Offers a high level of medical evacuation and optional accidental death and dismemberment
- For non-U.S. citizens
- Travel insurance for sports activities – Covers most adventure sports
- Good team sports coverage
Highlights
Why we like this plan:
- Covers most sports (see below) and is an affordable international travel insurance plan when traveling to the USA
- Covers you from 5 days up to one year with an option to renew for another year (you pay for only the amount of time you are traveling)
- Up to $1,000,000 US dollars of medical coverage that includes medical evacuation and medical transportation coverage
- Personal liability coverage of $100,000USD: Including bodily injury to someone else and property damages included in your policy
- See more medical benefit details below!
Eligibility:
This plan is for non-U.S. residents traveling to the USA
- Such as an Indonesian traveling to the USA
- Such as a U.S. citizen who now lives permanently in South Africa, but is coming to the USA
- Such as an Egyptian, residing in Canada, planning to skydive in the USA
- Does not cover U.S. residents traveling or participating in sports within the USA
Safe Travels USA Insurance Benefits And Coverage
If your chosen adventure sport/activity is not on the list of covered activities or on the list of excluded activities please contact us. If your sport is not one of the covered sports on the brochure then it most probably is not covered under this policy. However email us or call us with the exact sport you want us to verify (if it is not located on this policy) and we will see what we can do for you.
- Choose from $50k to $1million in medical coverage
- Your choice of deductibles from $0 to $5,000US
- Can get enhanced lost bags, theft of bags up to $3500 to protect your equipment
- Exposure and Disappearance Benefit, Hijacking and Air or Water Piracy Benefit, Coma Benefit, and Felonious Assault and Violent Crime Benefit, as well as AD&D
- The benefit period is for up to 1yr from the date of your accident or sickness – If you go to a medical facility overseas for a new medical condition, you are covered for that sickness or injury for up to 12 months even if you are in the U.S. or your policy has expired
- Optional Home Country/Follow Me Home Coverage benefit – Up to 60 days
- Upgrade AD&D benefit to $500,000
- See brochure for full benefits/options
REGARDING SPORTS COVERAGE:
The Trawick Safe Travel USA plan will cover you when coming to the USA regardless of your choice of adventure sport or thrilling vacation adventure! From hot air ballooning to jet skiing, zip lining to trekking, bungee jumping, even cave diving, Trawick has you covered with a Safe Travels Insurance policy!
Adventure Sports/Extreme sports, hiking, etc.
Choose the Hazardous Sports Coverage option on this great travel medical health plan in order to include the following sports:
Aviation (except when traveling as a passenger in a commercial aircraft), Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, High Diving, Hang Gliding, Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Motorcycling, Mountain Biking, Paragliding, Parasailing, Parascending, Scuba Diving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking up to 3500 meters above ground and with proper ropes or guides (not exceeding Class V difficulty on the Yosemite Decimal System) Water Skiing, Wind Surfing, Whitewater Rafting (not exceeding Class V), Zip Lining, Zorbing.
The following activities are always excluded under the Policy:
- Professional sports and semi-professional are not covered – If prizes or awards are offered, then it is considered a professional sport.
- Racing of any kind is excluded
Abseiling, BASE Jumping, Extreme Sports, Luge, Motocross, Moto-X, Mountaineering or Mountain Climbing (exceeding 3500 meters or Class V difficulty on the Yosemite Decimal System), Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Ski Jumping, Skydiving, Whitewater Rafting (exceeding Class V).
This plan covers trekking up to 3500 meters with proper ropes or guides (not exceeding Class V) Do you need a policy and protection that exceeds this, or includes rock climbing? Try our Atlas plan
For those traveling internationally (outside the USA) and participating in an adventure sport, or sports camp or as part of a team, try the Trawick Safe Travels International Plan.
- If your chosen adventure sport/activity is not on the list of covered activities or on the list of excluded activities please contact us with the exact sport you want us to cover (if it is not located on this policy) and we will see what we can do for you.
Club and Team Sports:
In addition, the Trawick Safe Travel plan provides coverage for individuals playing on Amateur, Club, Intramural, Interscholastic, and Intercollegiate sports teams! NOTE: Professional and Semi-Professional Sports are always excluded. Just add 20% to the rate and a for small fee (based on the sport) and you and your whole team can be covered while playing rugby, basketball, hockey, and many more organized team sports.
Class 1 includes Tennis, Swimming, Cross Country, Track, Volleyball and Golf
Class 2 includes Archery, Ballet, Cheerleading
Class 3 includes Basketball, Diving, Equestrian, Fencing, Field Hockey, Lacrosse, Karate, Polo
Class 4 includes Football (no division 1), Gymnastics, Hockey, Rowing, Rugby
Class 5 even includes things like running with the bulls! (In Spain, not the basketball team)
For intramural and intercollegiate or club sports such as soccer, you might also want to look at Global Underwriters’ Diplomat International.
Medical and Travel Benefits
Medical Maximum per Policy Period:
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible Options per Policy Period:
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Co-insurance per Policy Period: 80% of the first $5,000 of Covered Expenses then 100% up to the Policy Maximum
Medical Expense Benefits (subject to Policy Maximum, Deductible and Co-Insurance)
Hospital Room and Board Charges: The average semi private room rate
ICU Room and Board Charges: three times the average semi private room rate
Outpatient Medical: Usual customary charge up to the selected Medical Maximum
Emergency Medical Treatment of Pregnancy: $1,000
Mental or Nervous Disorders: $2,500
Physiotherapy/Physical Medicine/Chiropractic: $50 per visit per day; up to 10 visits per Policy Period
Dental Treatment (Injury and emergency alleviation of pain): $250
Doctor Visits, X-rays and Prescriptions, Ambulance: Usual customary charge to the selected Medical Maximum
Unexpected Recurrence of a Pre-Existing Condition: the first $1,000 of Covered Expenses
Benefit Period: 1 year from the date of the Covered Accident or Sickness
Additional Benefits (not subject to Policy Maximum, Deductible or Co-Insurance)
Accidental Death & Dismemberment Principal Sum: $25,000
Coma Benefit: $10,000
Felonious Assault and Violent Crime: 100% up to $50,000
Adaptive Home and Vehicle: $5,000
Seatbelt Benefit: 10% up to $50,000
Airbag Benefit: 10% up to $50,000
Hijacking and Air or Water Piracy: Covered
Emergency Medical Evacuation: 100% up to $2,000,000
Political/Natural Disaster Evacuation: $25,000
Repatriation of Remains: 100% up to $1,000,000
Emergency Reunion: $15,000
Return of Minor Child(ren) or Travel Companion: $5,000
Hospital Confinement: pays you $50 per day in addition to paying the Hospital;10 day Maximum
Lost Baggage: $1,000 per Policy Period
Trip Interruption: $5,000 (Per Policy Period does not cover lost trip cost)
Unexpected Recurrence of a Pre-Existing Condition Benefit
This plan shall pay, up to $1,000 subject to the chosen Deductible and Coinsurance for Covered Medical Expenses resulting from a sudden, unexpected recurrence of a Pre-Existing Condition while traveling outside the Covered Person’s Home Country. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.
Emergency Medical Evacuation Benefit
We will pay 100% up to $1,000,000 if you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation.
Political/Natural Disaster Evacuation Benefit
Up to $25,000 maximum for extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence. Benefits will be paid for: 1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well-being as determined by the Designated Security Consultant. 2. your Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which you are traveling while covered by the Policy; or your Home Country; or 3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if you are kidnapped or are reported as a Missing Person to local or international authorities.
Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. Our assistance provider is not responsible for the availability of Transport services. Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs. Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you.
For complete benefits, see brochure.
Here at Good Neighbor Insurance it is very important for us to connect with you.
As an international service provider, we want to be sure that you are taken care of while you, your family, and your friends are traveling or residing around the world. It is our honor to serve you!