Comprehensive Benefits at a Glance

Why travelers choose Safe Travels Protect:

• Primary medical coverage — your travel medical benefit pays first, so you're not waiting on your home health plan to respond before getting care.
• Domestic and international travel — covers U.S. residents traveling within the United States as well as abroad.
• Flexible trip cancellation — add trip cancellation coverage only if you want it, keeping the plan affordable for travelers with smaller trip investments.
• Strong evacuation and repatriation limits — $250,000 evacuation and $350,000 repatriation, generous for a budget-tier plan.
• 24/7 worldwide assistance — On Call International provides round-the-clock help for emergencies, anywhere you travel.
• 14-day free look — review your policy risk-free (see Tab 8).

Safe Travels Protect is built for the price-conscious traveler who wants the fundamentals — trip cancellation and interruption, primary emergency medical, and evacuation — without paying for the higher limits and extras of a premium plan.

This plan is an excellent fit for:

• U.S. residents taking domestic or international trips up to 90 days
• Budget-minded travelers who want core trip and medical protection at a competitive price
• Travelers with lower trip costs who don't need $50,000+ in cancellation coverage
• Those in good health who don't require a pre-existing condition waiver
• Travelers who want primary travel medical coverage that pays before their home health plan
• First-time travel insurance buyers looking for a straightforward, easy-to-understand policy
• Domestic travelers who want emergency medical and evacuation protection while away from home

Eligibility notes:

• Available to U.S. residents only; up to age 85
• Trip must be more than 100 miles from your primary or secondary residence
• Plan must be purchased before departure
• Available up to 18 months in advance of departure; maximum trip length 90 days
• Plan rates are per person, based on the age of the traveler at the time of enrollment; rates are subject to change prior to enrollment
• Not available for travel to or in Indonesia, Israel, Lebanon, Cuba, North Korea, Syria, Iran, Iraq, Sudan, Russia, Ukraine/Crimea, Belarus, or other restricted countries worldwide
• Underwritten by Starr Indemnity & Liability Company

• Customize your Safe Travels Protect coverage with the optional add-on available at the time of purchase.

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  Accidental Death & Dismemberment (24-Hour)

  Adds $10,000 in Accidental Death & Dismemberment coverage for a covered loss occurring while riding as a passenger on, boarding, or alighting from a common carrier during your covered trip. AD&D is not included in the Safe Travels Protect base plan and must be selected as an optional upgrade for an additional premium. Benefits are paid according to the policy's Table of Losses, with 100% of the principal sum payable for loss of life.

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  A note on Trip Cancellation: Trip Cancellation coverage is itself selectable at the time of quote. Travelers who want to protect prepaid, non-refundable trip costs can add it (up to 100% of trip cost, max $14,000) by selecting "Yes" for trip protection and entering their initial deposit date during the quote process.

Every Safe Travels Protect plan includes 24-hour worldwide travel assistance provided by On Call International. These non-insurance services offer on-the-spot, immediate help for the unexpected problems that can arise while you're away — available 24/7, anyplace, anywhere.

Services include:

• Emergency medical assistance — locating hospitals and physicians, arranging and coordinating emergency medical evacuation and repatriation
• Medical monitoring — ongoing communication with treating physicians and family during a medical emergency
• Travel and logistical support — help with lost or stolen documents, emergency travel arrangements, and emergency cash transfers
• Emergency message relay — connecting you with family, employers, and travel companions
• Referrals — interpreters, legal referrals, and embassy or consulate locations

To reach On Call International or Trawick International for assistance during your trip, use the contact information provided in your confirmation of coverage and policy documents.

Review the full plan details, terms, conditions, and exclusions before you purchase:

• Plan Brochure — benefit summary and plan highlights
• State Certificates — full policy wording, including the Schedule of Benefits, definitions, coverages, and state-specific amendatory endorsements

The brochure provides a brief description of coverage; the policy and applicable state certificate contain the governing terms, including reductions, limitations, exclusions, and termination provisions. Because state amendatory endorsements can modify benefits and provisions, always confirm the certificate that applies to your state of residence.

Safe Travels Protect claims are administered by Trawick International.

To file a claim:

1. Notify promptly. Written notice of a claim should be given as soon as reasonably possible — within 20 days after a covered loss begins, or as soon as is reasonably possible thereafter.
2. Request claim forms. Contact Trawick International to obtain the appropriate claim forms for your type of loss.
3. Gather documentation. Collect supporting documents — itemized medical bills and reports for medical claims; carrier-issued delay or incident reports for trip delay, missed connection, or baggage claims; receipts for replacement items; and police reports for theft.
4. Submit Proof of Loss. Send a complete, detailed Proof of Loss within 90 days after the covered loss occurs, or as soon as reasonably possible.

Claims & Customer Service — Trawick International Toll-free: (888) 301-9289 Email: info@trawickinternational.com Mailing address: 300 Fairhope Avenue, STE G, Fairhope, AL 36532

For medical emergencies and evacuations, contact On Call International immediately using the number in your policy documents so that care and any evacuation can be coordinated and pre-approved.

14-Day Free Look

Safe Travels Protect includes a 14-day free look period. If you are not satisfied with your plan, you may cancel within 14 days of the date your policy is purchased by giving written notice to Trawick International or the administrator. As long as you have not departed on your trip and have not filed a claim, your premium will be refunded in full.

After the free look period

After the 14-day free look, your premium is non-refundable, except in the following circumstances, in which case your premium will be refunded on a pro rata basis:

• The travel supplier cancels or changes the dates of your covered trip and all penalties are waived; or
• Your death.

Note: State amendatory endorsements may modify the free look or cancellation terms. Travelers should review the certificate that applies to their state of residence (for example, the Kansas endorsement measures the 14-day period from delivery of the policy).

Safe Travels Protect is underwritten by Starr Indemnity & Liability Company, a Texas domiciled corporation (NAIC Company Code: 38318; TX license number: 93542), 399 Park Avenue, 2nd Floor, New York, NY 10022, authorized to do business in all states, the District of Columbia, and Puerto Rico. Plans are administered and distributed by Trawick International Inc., an Alabama corporation (AL License: 79102; FL license numbers: L084218 & W706244), 300 Fairhope Avenue, STE G, Fairhope, AL 36532. This page contains only a brief description of the coverages available under the plan; the policy contains reductions, limitations, exclusions, and termination provisions. Not all coverages are available in all jurisdictions. Please read your policy and applicable state certificate for complete terms, conditions, and exclusions.