Frequently asked questions

Yes: For International Travel Medical Plus policies, the accident and sickness medical expense benefit decreases to $15,000 for people aged 70–79 and to $10,000 for ages 80–85 (ages 80–100 for residents of TX)

For International Travel Medical policies, the accident and sickness medical expense benefit decreases to $50,000 for people aged 70–79 and to $20,000 for ages 80–85 (ages 80–100 for residents of TX)

Our International Travel Medical plan allows you access to the UnitedHealthcare Global network of providers up to a certain dollar amount.  

Choose the International Travel Medical Plus coverage, and the dollar amount covered increases, as well as access to additional travel protection benefits. You have a choice between 3 plan levels for both of our products that include medical expense coverage.  

The International Travel Medical Plus plan focuses on coverages in the event your trip is cancelled or interrupted, but still includes medical expense limits ranging from $50,000 to $150,000.  

Our International Travel Medical plan is geared towards the traveler wanting more robust medical coverage for unexpected accidents or sickness and starts at a minimum medical expense limit of $100,000 and allows for a maximum of $1,000,000.  

For either product, by selecting the highest level of coverage you can minimize the risk of any out-of-pocket or up-front expenses, even in the case of a serious medical incident.:  

For any further information, email us at safetrip_info@uhcglobal.com or call us at +410.453.6380 or +1.800.732.5309. 

This website contains highlights of the plans, which include travel insurance coverages underwritten by Centurion Casualty Company (for U.S. residents) or H&W Indemnity SPC for and on behalf of Global Solutions SP (for non-U.S. residents). This coverage is provided under the UnitedHealthcare Global trade name.

The plans also contain non-insurance Travel Assistance Services provided by UnitedHealth Group, Inc. or its applicable affiliates under the UnitedHealthcare Global trade name. Coverages may vary and not all coverage is available in all jurisdictions. Insurance coverages are subject to the terms, limitations and exclusions in the plan, including an exclusion for pre-existing conditions. In most states, your travel retailer is not a licensed insurance producer/agent, and is not qualified or authorized to answer technical questions about the terms, benefits, exclusions, and conditions of the insurance offered or to evaluate the adequacy of your existing insurance coverage. Your travel retailer may be compensated for the purchase of a plan and may provide general information about the plans offered, including a description of the coverage and price. The purchase of travel insurance is not required in order to purchase any other product or service from your travel retailer. CA DOI toll free number: 800-927-4357. MD Insurance Administration: 800-492-6116 or 410-468-2340.

The cost of your plan is for the entire plan, which consists of both insurance and non-insurance components. Individuals looking to obtain additional information regarding the features and pricing of each travel plan component, please contact the UnitedHealthcare Global SafeTrip Team via email at [email protected] or via phone at +410.453.6380 or +1.800.732.5309

You can view example policies https://www.uhcsafetrip.com/policy-documents/.

When traveling internationally, you can purchase SafeTrip travel protection when visiting any country other than: Afghanistan, Antarctica, Cuba, Dominican Republic, Iran, Iraq, Libya, North Korea, Somalia, South Sudan, Sudan, and Syria. In addition to the excluded countries noted above, security evacuations are not a covered benefit in the following countries due to the current security situation and presence of an evacuation order: Afghanistan, Azerbaijan (Nagorno-Karabakh region, Aran, Skehi-Zagatala, Ganga-Gazakh, and Kalbajar-Lachin regions), Central African Republic, Chad, Cuba, Eritrea, Ethiopia (Tigray region only), Guyana, Haiti, India (Kashmir region only), Iraq, Iran, Libya, Mozambique, Myanmar, Nepal, Niger, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, The Gambia, Ukraine, Venezuela, Western Sahara, and Yemen. 

Residents of the following countries are excluded from buying a SafeTrip plan: Afghanistan, Antarctica, Cayman Islands, Cuba, Iran, Iraq, Ghana, Libya, Mali, Niger, Nigeria, North Korea, Somalia, South Sudan, Sudan, and Syria.    

All products and services are available where permitted or not prohibited by applicable laws, which laws may change from time and time. As such, the excluded countries list may change from time to time and without notice. 

SafeTrip Travel Protection Insurance Products are underwritten by Centurion Casualty Company (for U.S. residents). Other plans include travel insurance underwritten H&W Indemnity SPC for and on behalf of Global Solutions SP (for non-U.S. residents). Centurion Casualty Company and H&W SPC are part of the UnitedHealth Group family of companies.  

UnitedHealthcare Services Inc. or its applicable affiliates provide non-insurance travel and medical assistance under the UnitedHealthcare Global trade name through its 24/7 Emergency Response Center. Supported by an in-house team of clinical experts, we support insured travelers with travel intelligence, advice and access to a pre-screened, worldwide network of medical and evacuation resources. 

You will receive the following information via email:

• Confirmation of product/plan purchased
• Policy documentation
• member ID card
• Visa letter

If you do not receive this email after purchase, check your spam or junk email folder, or contact us directly at 1-800-732-5309 or 1-410-453-6380.

No, your trip protection has to be purchased before your trip starts to ensure your coverage is in sync with your itinerary and plans. If you purchase a policy after a trip has started, contact your SafeTrip customer service team to discuss your particular situation.

Try to purchase your insurance as far in advance as possible. You can secure your SafeTrip policy up to 364 days before the start of your trip — and if you’re a bit of a procrastinator, the good news is you can even buy coverage as late as 1 day (24 hours) before your travel start date.

No, policies must be purchased for the state in which you or the covered traveler(s) reside. If the purchaser misrepresents themselves or the traveler as a resident of another state, coverage would be void and unavailable.

This sort of coverage is specific to an unforeseen or unexpected incident such as an accident, injury, illness or sickness. It includes hospitalization, regardless of how severe the situation is. So long as an accident or sickness first occurs while you are on your trip, and you need to seek out health care for that reason, your medical expenses are covered (provided they are explicitly included as a benefit and are within the conditions and limitations of your plan).

The following expenses would be included if you purchased accident and sickness medical expense coverage:

• Medical services, prescription drugs, therapeutic services and supplies ordered or prescribed by a physician as medically necessary for treatment
• Hospital or ambulatory medical-surgical center services (including the cost of a cruise ship cabin or hotel room not already included in your trip, if your health care team recommends a ship cabin or hotel room instead of a hospital room for recovery from a covered accidental injury or sickness)
• Virtual Visits for accidental injury or covered sickness, with your diagnosis and treatment of less-serious medical conditions being addressed remotely through audio and video or audio only
• Transportation furnished by a professional ambulance company to and/or from a hospital
• Mental health and substance use disorder services including any received on an inpatient or outpatient basis in a hospital, an alternate facility or in a provider’s office (all services must be provided by or under the direction of a properly qualified behavioral health provider)
• Dental treatment for accidental injury to sound natural teeth (both the accidental injury and the dental treatment must occur during your trip)
• If you are traveling alone with a service animal and need to be hospitalized, kenneling for your animal is covered as well

It is important that UnitedHealthcare Global is notified as soon as possible. Our Emergency Response Center professionals will monitor your care and work through the complex details of foreign hospitalizations on your behalf. Our staff will speak with your treating doctor to assess your condition, your treatment plans, and whether or not a medical evacuation is necessary. At your request, we will update your family, employer and personal physician as appropriate, as well as coordinate all travel medical insurance verifications and admission details, leaving you to focus on getting better.

Emergency Reunion: If you are traveling alone and will be hospitalized for more than three (3) consecutive days and emergency evacuation is not imminent, SafeTrip will pay to transport a friend or family member, chosen by you, for a single visit to and from your bedside (by economy transportation)

Return of Minor Children: If your hospitalization or medical evacuation situation means that you won’t be able to take care of children traveling with you, SafeTrip will pay for the evacuation of kids under the age of 18 either to your evacuation location, or to a location where the children can be placed under the care of a guardian or relative you specify

Medical Repatriation: Medical Repatriation is coverage that gets you home. If you are ill or injured and not able to travel on your original trip schedule or without medical support, we will arrange and cover the cost of appropriate and safe transportation.

SafeTrip is considered your secondary insurance in most cases if you have a domestic insurance plan that includes out-of-country benefits (making it your primary plan for your trip). Contact your primary health insurance company to confirm your coverage on a trip.

Secondary insurance, also known as Excess Insurance, means that if you have other insurance (considered your primary insurance) that might cover a health or travel expense under its coverage, SafeTrip will only be liable for the amount above and beyond what your primary insurance covers. For instance, if you have home insurance that covers the loss of a $600 mobile phone up to $500, SafeTrip would only be responsible for $100 of your loss.

These states have exceptions to this rule: MT, NH, ND, SD, UT and VT. Please see each state’s policy document for details.

If SafeTrip is your secondary insurance, you may be required to pay your expenses out-of-pocket, then submit a claim for reimbursement.

In over 236 countries and territories, UnitedHealthcare Global enables access to providers ranging from hospitals, clinics and physicians, to air ambulances, identified as offering quality care according to international standards. Health care quality and ease of access to global travelers form the primary focus of our provider assessment, whether you need complex or acute tertiary care or more routine consultations. Our access can direct you to medical care that’s specific to your needs.

Make one call any time, day or night to our Emergency Response Center to connect with a team of specialists, and get multilingual support.

For emergency assistance, call us at +1.800.527.0218 or at +1.410.453.6330 when you are abroad. You can also email us at [email protected].

Calling our in-house, 24/7 Emergency Response Center connects you with our multilingual team who works with you to confirm your coverage and get you the help you need.

We’re here to direct you to appropriate local care that meets international medical standards. This ensures you are getting quality medical care, and avoid unnecessary or unhelpful treatment.

We are here for you with non-insurance travel assistance services. You can call our Emergency Response Center to assist with lost or stolen travel documents, passports, legal referrals, translation services and a host of other non-medical problems.

Contact us via the phone +1.410.453.6330 (International), +1.800.527.0218 (toll free) or email us at [email protected]. 

Our Emergency Response Center is here to assist with lost or stolen passports, legal referrals, translation services, emergency transfer of funds and a host of other non-medical problems. UnitedHealthcare Global also provides travel and medical assistance through our 24/7 Emergency Response Center. Supported by an in-house team of clinical experts, we support insured travelers with travel intelligence, advice and access to a pre-screened, worldwide network of medical and evacuation resources. 

Evacuations are complex and typically involve:

• Evaluation of the transport requirements (such as oxygen requirements, healthcare specialists, special equipment, altitude specifications, etc.)
• Discharge administration
• Admission into a new facility
• Identifying qualified aeromedical escorts and air ambulances
• Coordinating ground transportation on both ends of the evacuation
• Immigration and flight clearances
• Assistance with family travel arrangements

If you need treatment for a covered accident or illness, and the first medical facility you go to for care does not offer appropriate care for your needs, Medical Evacuation coverage takes care of the cost of transportation to proper care. This medical transport can be by ground, commercial carrier or air ambulance depending on the situation, and gets you to the nearest, most-appropriate hospital or facility for your health needs.

Covered expenses include arranging and providing for transportation and related medical services (including medical escort if necessary), plus any medical supplies needed in connection with your emergency evacuation.

This is the perfect example of why SafeTrip is so essential: in case of inadequate local health care, our Emergency Response Center will coordinate proper medical transfer to the nearest UnitedHealthcare Global contracted facility, where we will continue to monitor your case until you are returned home or have received final treatment.

UnitedHealthcare Global is not responsible for the availability, timing, quality, results of, or failure to provide any of the services that are beyond our reasonable control. This would include things such as, but not limited to, acts of God, acts of any government or governmental agency (including any port, transportation or local authority), war or other hostility, civil disorder, where the of such care or service is prohibited by U.S. law, local laws, or regulatory agencies, etc. Specific to COVID, these scenarios may come into play in situations where governments issue entry bans or restrictions, or where there is an inability to transport COVID positive patients.

Yes. COVID-19 is treated the same as any other sickness for purposes of all coverages that are triggered by a sickness or that can reimburse losses resulting from a sickness – including deaths caused by sickness. Depending on the Plan Design, this can include – but is not necessarily limited to – the following (including the sub-benefits of many of these):

• Accident and Sickness
• Medical Expense
• Emergency Medical Evacuation/ Medical Repatriation/ Return of Remains.

Coverage would apply in the event of issued alerts/warnings or country-specific bans or quarantine requirements related to a named epidemic or pandemic providing your policy was in effect prior to the issuance of those alerts/warnings, entry bands or quarantine requirements. Refer to your full policy document for specific details related to this coverage and/or exclusions.

Coverage for quarantine would apply if you have departed on your trip and then learn of an alert/warning, country-specific entry ban or quarantine requirements after you have departed on your trip and is included in the trip interruption benefit of your policy providing your policy includes that benefit. Refer to your full policy document for specific details related to this coverage and/or exclusions.  

No, you don't need to register to submit a claim or get your Explanation of Benefits here.

You can claim directly via "Report a claim" on the top navigation and CBP Connect will send you an email once your claim has been processed. You will then receive a one-time password on request to access your Explanation of Benefits.

You will need to submit a claim for each issue separately.

This means that if you need to claim for Medical Expenses and Baggage Loss, two separate claims will have to be submitted. However, your policy ID will help the claims team to connect both claims together and will process them simultaneously so you don't have to wait twice to get reimbursed.

Your Policy ID and Member Number can be found on your ID card atached to your fulfilment email.

You will need your policy ID or Member Number to submit claims and view the Explanation of Benefits.

You can find a description of each claim form and when to use it here.

In case you missed some documents or were just waiting on another document for a claim, you can always follow up on your claim by sending the additional information to [email protected]. The team will add the documents to your current claim(s).