Frequently Asked Questions

At SafeTreker, we pride ourselves on making the process as transparent as possible and make our coverage as easy to understand. If you have questions, you'll most likely find the answer in the FAQs below.

If your questions were not addressed, please contact us. The best method is to email us, but feel free to call. Our full contact information is available here.

Who’s Eligible For Coverage?

US Citizens and US Residents who are traveling 100 miles or more from his or her home can purchase SafeTreker.

SafeTreker is a excellent option for these situations:

  • Your health insurance plan will not cover your sport or activity (check with your carrier to know for sure)
  • Your health insurance plan will not protect you when you travel abroad
  • Your health insurance plan has a high deductible

SafeTreker travel insurance pays after the healthcare insurance plan pays. If your healthcare insurance has a deductible, SafeTreker will pay that deductible.

Example: Dan, a U.S. resident, travels from Alabama to Nebraska and is injured while skiing. His medical bills total $5,000. His health insurance plan has a $2,000 deductible, after which it will pay the remaining $3,000 for his bills. SafeTreker, after confirming that Dan’s health insurance plan has a $2,000 deductible, will pay the $2,000 toward the bill or reimburse Dan if he paid the bill.

Coverage is not available for ages 65 and older.



Yes, this plan covers COVID-19 the same as any other sickness.

Pre-existing conditions are defined in detail in the plan document. A summary is shown here.

Pre-Existing Condition means an illness, disease, or other condition during the sixty (60) day period immediately prior to the Effective Date of Your Policy for which You, Your Traveling Companion, or a Family Member booked to travel with You:

1) exhibited symptoms that would have caused a typical person to seek care or treatment; or 2) received or received a recommendation for a test, examination, or medical treatment; or 3) took or received a prescription for drugs or medicine. Item (3) of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine and remains treated or controlled without any adjustment or change in the required prescription throughout the sixty (60) day period before the Effective Date of Your Policy.

If you find out you are pregnant, it is your decision whether you wish to continue with your travel plans. Please know that this plan does not cover pregnancy expenses or illness resulting from pregnancy, childbirth, or miscarriage, or miscarriage resulting from an accident or complications of pregnancy; or postnatal care.

For any sports injury that occurs during your trip and results in a medically necessary emergency medical evacuation or repatriation, your covered expenses will be paid up to the maximum stated in the schedule of benefits in your plan document.

Your trip cancellation coverage begins at 12:01 AM Central Standard Time on the day after the required premium for such coverage is received by the Company or its authorized representative. The rest of your benefit start when you begin your trip.

Complex Situations Abroad

We do not cover travel to Iran or Syria.

If you have any questions about purchasing, contact us and we will be happy to help.

A Travel Alert occurs when the U.S. Department of State advises the public to be careful and alert when traveling to a particular country or region. A Travel Warning is a specific declaration by the Department of State that advises United States citizens not to travel to a country or region.

Whether you are on the ski slopes, in the rain forest or the Himalayas, the transportation system used is the choice of those attending you at the scene. For instance, ski patrollers are generally very well trained and experienced at assessing injuries and managing the evacuation of the injured person off the mountain and to an appropriate medical facility in the manner most suitable for the injured person's condition. Severe cases often involve helicopters. More often, a combination of a sled, ski lift and an ambulance is more immediate and appropriate.

Other factors, such as weather, remoteness and the local availability of rescue systems, are also taken into account.

Cancellation & Delay

If your trip is canceled before the start date of your coverage, immediately notify us by emailing us. We will provide you with options based on the policy you purchased.

Your coverage includes protection for a trip interruption in certain circumstances. If you are on your trip and must return home earlier than expected, please call OnCall Assistance 855-464-8974 or collect 603-952-2686 and we will assist you and advise you of your coverage.

General Coverage Information

You can download and view the policy details and other relevant documentation HERE in our Document Center. You can also see a table summarizing the coverage and benefit levels HERE. The list of sports and activities that we cover can be viewed HERE.

Yes. This policy covers both Accidents and Sickness.

Yes. The policy has provisions for coverage of your personal baggage. Coverage differs depending on the level of coverage purchased. Please check your policy for the specific coverage in the plan you purchased. If you have not yet purchased, please see all the of the policy choices HERE.

Yes, all the policies provide coverage for bankruptcy or default at different levels depending on your policy choice.

Bankruptcy or default of your travel supplier that occurs more than 14 days following your effective date. Coverage is not provided for the Bankruptcy or Default of the agency from whom you purchased Your Land/Sea Arrangements. Your scheduled departure date must be no more than 15 months beyond your effective date. Benefits will be paid due to bankruptcy or default of an airline only if no alternate transportation is available. If alternative transportation is available, benefits will be limited to the change fee charged to allow you to transfer to another airline to get to your intended destination.

Changes and Other Policy Requests

All requests need to be in writing and sent to HERE with your name, order number, and the details of the requested change.

Please note: If you need to extend your trip dates, there may be an additional premium to pay.

Don’t worry, just call us at 888-301-9289 or contact HERE and we will be happy to send you new copies.

Your policy has a ten day free look. If you are in the 10 day free look time period you can request coverage to be cancelled in writing HERE with your name, order number, and that you want to cancel the coverage. After the 10 day free look the premium is fully earned and non-refundable.


You can download a claim form HERE.

Submit the following documents with your completed claim form to

  • Detailed bills for services received
  • Receipts for payments made
  • Any other supporting medical documentation provided

We can send claim reimbursements by check (in U.S. dollars only), wire transfer, or ACH transfer. Refunds are issued based upon the instructions you provide on the Payment Authorization Form. This is included with the Proof of Loss claim form and should be submitted with the rest of your documents to

You may appeal the decision made on your claim by filing an appeal with us.

We will have your documents translated. If your claim is covered, you will be reimbursed in U.S. dollars based on the exchange rate for the U.S. dollar on your date of service. If your claim is covered and a wire transfer occurs, your reimbursement will be sent in the currency listed on the Proof of Loss claim form. Please keep in mind that claims must be submitted within 90 days from the date of service.

Sports Coverage

SafeTreker provides sports travel insurance for a comprehensive list of sports and activities. The list of sports and activities are vast, and the easiest way to see if your sport is covered is to check the Sports List.

Certain sports are excluded, and we do not cover these under any circumstances.

The generally accepted understanding of backcountry (or off-piste) skiing or boarding means going out of bounds, i.e., outside the resort boundary (if there is a boundary) or directly off the marked ski runs (pistes) if within the resort area.

If you are going out of bounds or outside marked areas of the resort, we recommend you do so with a fully qualified local guide because, in our view, you will be taken to the best areas and have a higher degree of comfort concerning your safety. However, we do not insist that you take a guide. You are insured for backcountry skiing without a guide if you are not going alone or going against advice. Please remember, even some areas within a resort may be considered out of bounds because they are hazardous. In most parts of North America, going out of bounds goes against local law and you may, at best, have your lift pass confiscated. Typically, there is a physical fence with warning signs, so you will know where the boundaries lie.

It is your responsibility to obey the information and instructions given by the resort authorities and follow any signs and information you encounter on the mountain. The source of this information will vary from resort to resort and country to country, and it is your responsibility to find this information out. If a section is marked closed, there will be an excellent reason for it (e.g., high avalanche danger), and ignoring such signs could be very dangerous. Additionally, you should never ski out of bounds (off-piste) alone.

Offshore sailing is defined for the purposes of this insurance to be sailing 12 miles (10.5 Nautical miles or 19.3 Km) from the coastline. Inshore sailing is, of course, sailing within 12 miles of the shoreline or in inland waterways.

Affordable Care Act FAQs

The Patient Protection and Affordable Care Act (PPACA), was first introduced as a measure to improve access, affordability, and quality of health care.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant’s health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price irrespective of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

We frequently receive questions about PPACA from agents and customers. Below are some frequently asked questions and answers to help you understand PPACA’s impact on the international insurance business.

The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.

According to IRS Publication 519, Tax Guide for Aliens, under the green card test, green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past three years. Generally, you are a resident alien after six months of presence in the U.S. - unless you are exempt.

Exempt non-U.S. citizens include:

  • A non-U.S. citizen who is not a permanent legal resident (the green card test) or has not been in the U.S. for 183 days over the last three year period
  • A non-U.S. citizen temporarily present in the United States as a foreign government-related individual under an “A” or “G” visa
  • A non-U.S. citizen teacher or trainee temporarily present in the United States under a “J” or “Q” visa
  • A non-U.S. citizen student temporarily present in the United States under an “F,” “J,” “M,” or “Q” visa
  • A non-U.S. citizen professional athlete temporarily in the United States to compete in a charitable sports event; and
  • Expatriate employees living outside of their home countries for six months or more of a year
  • A person who is required to, but does not have minimum essential coverage for up to three months during the year (only one three-month period allowed each year)

Here are some Alien Residence examples to assist you.

SafeTreker’s short-term international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. However, since most PPACA plans do not provide the types of international benefits and assistance that travelers need, you should strongly consider purchasing an international travel medical plan such as SafeTreker’s Travel Medical Insurance for coverage. In contrast, you travel outside of the U.S.

If you are a U.S. citizen, national or an “alien lawfully present” in the U.S., you will need to maintain minimum essential coverage unless you are exempt.

Exemptions include:

  • Individuals not residing in the U.S
  • Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
  • Individuals with a coverage gap of fewer than three months
  • Individuals who cannot afford coverage (i.e., the required contribution exceeds 8% of household income)
  • Individuals with a religious conscience exemption (applies only to certain faiths)
  • Members of a health care sharing ministry
  • Incarcerated individuals
  • Individuals with income below the tax filing threshold; and
  • Members of Indian tribes

In general, PPACA does not govern short-term limited-duration insurance, like SafeTreker’s short-term travel medical insurance programs.

However, please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.