Complete Review Of Safe Travels USA Insurance Plans
12 Apr. 2022
Complete Review Of Safe Travels USA Insurance Plans
Whether you’re embarking on a long-awaited family vacation, studying abroad, or taking a business trip, the risks associated with travel are undeniable. That’s where Safe Travels USA Insurance Plans come in, offering comprehensive coverage to protect against unexpected events like medical emergencies, trip cancellations, baggage loss, and more.
Investing in travel insurance ensures that your travel experience remains smooth and worry-free. With Trawick International’s Safe Travels USA plans, you can enjoy peace of mind knowing that you’re covered for a range of situations, including pandemic-related issues, medical evacuations, and emergency expenses. This review of safe travels USA insurance plans will dive into the key benefits, coverage options, and unique features of the Safe Travels USA Insurance Plans, helping you make an informed decision for your next adventure.
Trawick International, a worldwide insurance provider with expertise in international travel medical insurance, offers a variety of medical insurance plans, all designed to provide coverage to you as a visitor.
Inbound To The USA Travel Insurance
The US government does not provide healthcare for visitors to the USA. Hence visitors must purchase medical coverage via travel medical insurance. The medical costs in the United States are so high that the number one reason for filing bankruptcy in the USA is Medical expenses.
Trawick International offers several plans crafted for non-US citizens and US residents. These plans are not available to US Citizens, US Residents, or US green card holders traveling to the USA.
These plans are well suited for anyone visiting the USA OR if you are buying these plans for your parents travelling to the USA.
Review Of Safe Travels USA Insurance Plans
Safe Travels USA – The Plan
The Safe Travels USA Plan is a temporary primary accident and sickness medical coverage offered to those en route to the USA and other countries on the itinerary. The benefits, coverage, and deductible options offered by the Safe Travels USA plan are:
| Coverage Detail | Option/Description |
|---|---|
| Coverage Duration | Minimum: 5 days, Maximum: 364 days |
| Coverage Extension | Available for an additional 24 months |
| Accident and Sickness Medical Coverage | $50,000, $100,000, $250,000, $500,000, $1,000,000 |
| In-Network Deductibles | $0 |
| Out-of-Network Deductibles | $0, $100, $250, $500, $1,000, $2,500, $5,000 |
| PPO Network | First Health |
| Provider Search | Conveniently lists providers by location |
| Urgent Care Co-Pay | $30 (or $0 if Out-of-Network Deductible is chosen) |
| Mental or Nervous Disorder Coverage | Up to $2,500 per policy period |
| Medicine and Chiropractic Treatments | $50 per visit/day, up to 10 visits per policy period |
| Dental Emergency for Pain Relief | Up to $250 per policy period |
Safe Travels USA – Plan Details
- Visitors’ coverage can be purchased for a minimum of five (5) days up to a maximum of 364 days
- Extension of travel insurance coverage is available for a further 24 months
- The maximum choices for accident and sickness medical coverage are: $50,000 | $100,000 | $250,000 | $500,000 |OR $1,000,000
- In-network deductibles are $0
- Out of network deductible rates are based on options of: $0 | $100 | $250 | $500 | $1000 | $2,500 | OR $5,000
- PPO Network is taken care of by First Health
- The Provider Search tab conveniently lists the providers in any particular area
- Urgent Care Co-Pay costs $ 30. However, $0 if out of Network Deductible is chosen, there is no co-pay for Urgent Care
- Mental or nervous disorders are covered up to $2500 per policy period
- Medicines and chiropractic treatments have a limit of $50 per visit per day, up to ten (10) visits per policy period
- Injury and emergency alleviation of pain requiring dental treatment has a cap of $250 per policy period.
Safe Travels USA Cost Saver Insurance Plan
| Coverage Detail | Option/Description |
|---|---|
| Eligibility Age | Up to 90 years |
| Plan Type | Secondary or excess insurance plan |
| Coverage for Primary Plan Exclusions | Covers medical evacuation, co-insurance, and deductibles |
| Popular Age Group | Age 80 years and above |
| Policy Maximum for Age 80+ | $50,000 |
| Pre-Existing Condition Coverage | Unexpected recurrence covered up to $1,000 |
| Comparison to Safe Travels USA Plan | Terms are similar to Safe Travels USA Plan |
The Safe Travels USA Cost Saver Insurance is a comprehensive insurance plan that provides coverage to visitors to the USA up to the age of 90 years.
It is a secondary or excess plan that provides all the options available under the Safe Travels Medical Insurance and coordinates & covers medical expenses that the primary health plan does not, like medical evacuation, co-insurance, and deductibles.
The Safe Travels USA Cost Saver Insurance is extremely popular in the age group of 80 years and above as it is the only comprehensive visitor’s health insurance plan that provides a $50,000 policy maximum for persons in that age group.
Unexpected recurrence of pre-existing coverage is $1,000. All the other terms are more or less similar to the Safe Travel USA Plan.
A short video of Safe Travels USA Comprehensive Insurance Plan
Safe Travels USA Comprehensive Insurance Plan
| Coverage Detail | Option/Description |
|---|---|
| Underwriter | Crum and Forster SPC, rated A by A.M. Best |
| Coverage Area | Coverage outside the home country |
| Policy Maximum for Age 80+ | $50,000 |
| PPO Network | First Health PPO Network |
| Network Providers | Physicians, hospitals, urgent care, labs, and other healthcare providers |
| Exclusions from PPO Network | No network for pharmacies, dentists, or ambulance |
| Benefits, Coverage, and Deductible | Listed below (to be provided in further detail) |
Underwritten by Crum and Forster SPC, rated A by A.M.Best, Safe Travels USA Comprehensive Insurance provides coverage outside the home country.
It is one of the few comprehensive insurance plans that provide a $50,000 policy maximum for persons aged 80 years and above.
As it participates in the First Health PPO Network, you have the advantage of a network of physicians, hospitals, urgent care, labs, and other healthcare providers. However, there is no network for pharmacies, dentists, or an ambulance.
Benefits, coverage, and deductible options offered by the Safe Travels USA Comprehensive Plan are listed below:
Co-Insurance
There are no deductibles within the PPO network. The plan pays 100% to the policy maximum. Outside the PPO network, after deductible, the plan pays 80% up to $5000/-, thereafter 100% to policy maximum.
Medical Outpatient
Physicians’ visits, Emergency Room expenses, prescription drugs, diagnostic X-rays and lab services, anesthesia, assistant surgeon, and outpatient surgical facility are covered to policy maximum. Deductibles are waived for Urgent Care. There is a $30 copay unless a $0 deductible is chosen.
Medical Inpatient
Hospital room and board, intensive care unit, inpatient surgery, anesthesia, assistant surgeon, physicians’ non-surgical visits, and pre-admission tests within seven days before hospital admission are expenses that are covered to policy maximum.
Other Medical Treatment & Services
Here is the data organized in a tabular form:
| Coverage Detail | Option/Description |
|---|---|
| Benefit Period | 90 days |
| Emergency Medical Treatment of Pregnancy | Covered up to $1,000 |
| Mental and Nervous Disorders/Substance Abuse | Covered up to $2,500 |
| Physical Therapy | Covered for a maximum of 10 days at $50 per day |
| COVID-19 Coverage | Treated as any other sickness and covered |
The benefit period extends to 90 days. Emergency medical treatment of pregnancy is covered for up to $1000. Mental and nervous disorders or substance abuse are covered up to $2500. Physical therapy is covered for a maximum period of 10 days at $50 per day.
Covid-19 is treated as any other sickness, and its expenses are covered.
Pre-existing Medical Conditions
| Coverage Detail | Option/Description |
|---|---|
| Pre-existing Condition Coverage | Only acute onset of pre-existing conditions is covered. |
| Definition of Acute Onset | A sudden, unexpected outbreak or recurrence of a pre-existing condition, requiring immediate care. |
| Coverage for Persons Under 70 | Medical coverage extends to the policy maximum, with a cap of $25,000 for cardiac conditions. |
| Coverage for Persons 70+ | Medical coverage limited to $35,000, with $15,000 for cardiac conditions. |
| Medical Evacuation Coverage | Covered up to $25,000 |
| Condition for Acute Onset Coverage | Must occur after the policy’s effective date, and treatment must be obtained within 24 hours. |
| Exclusions | Chronic, congenital conditions, or conditions that gradually worsen over time are not covered. |
| Well Doctor Visit | $125 covered, limited to one visit per person per policy period; must occur within the first 21 days of coverage |
| Eligibility for Well Doctor Visit | Must purchase at least 30 days of coverage initially. |
| COVID-19 Coverage | Treated as any other sickness and covered. |
| Telemedicine Coverage | Covered |
Pre-existing Medical Condition Details
Only acute onset of pre-existing medical conditions is covered. Acute onset of a pre-existing condition is defined as a sudden and unexpected outbreak or recurrence of a pre-existing condition that occurs spontaneously and without advance warning.
This may happen either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires immediate care.
For persons under 70, medical extends to policy maximum, with a cap of $25,000 for cardiac. For those who are 70+, the medical coverage has a limit of $35,000 and $15,000 for cardiac. Medical evacuation is covered for a maximum of $25,000.
The acute onset of a pre-existing condition must occur after the policy’s effective date, and treatment must be obtained within 24 hours of the sudden and unexpected outlined break of recurrence.
This benefit does not include a pre-existing condition that is chronic or congenital or that gradually becomes worse over time. It does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary before the effective date of coverage.
All the plans under this segment pay up to $125 for a Well Doctor Visit, limited to one visit per person per policy period. To be eligible, 30 days of coverage must be purchased initially.
The Well Doctor Visit must take place within the first 21 days from the effective date of coverage.Covid-19 expenses are covered as it is treated as any other sickness. Telemedicine is covered.
International Travel Medical Insurance For Travel Outside The USA
Trawick International provides coverage for US citizens and US presidents while traveling to other countries and foreign nationals visiting other countries but not traveling to the USA. Accidents and sickness travel medical coverage is provided under these plans.
Safe Travels Outbound
The rates are based on age and plan choices. The maximum coverage is $500,000. The minimum coverage days are five, while the maximum tenure is 180 days. The pre-existing conditions limitation is 180 days. The minimum premium is $10 per person.
Safe Travels Outbound Cost Saver
Safe Travels Outbound Cost Saver Is an excess temporary travel medical plan. The rates are based on age and plan choices with a minimum of 5 days of coverage purchase up to a maximum of 180 days. Medical coverage for Covid-19 is included in medical emergency medical.
Emergency medical has an upper limit of $50,000 per person for accidents and a similar amount per person for sickness. This coverage is secondary in nature. The pre-existing lookback period is six months with no coverage for pre-existing conditions. The plan pays 100% after the deductible as coinsurance.
Safe Travels International
Safe Travels International is a primary travel medical insurance for anyone traveling from their home country. This policy is not valid for travel from, in, or to the United States of America. It stipulates a minimum 5-day purchase. COVID-19 expenses are covered and treated like any other illness.
Available for people up to the age of 99 years, the deductible can be chosen from $0 to $5,000. Policy maximums range from $50,000 to $1,000,000. Unexpected recurrence of pre-existing conditions covered up to $20,000 For travelers up to the age of 65 years and up to $10,000 for travelers over 65 years of age.
Safe Travel International Cost Saver
This plan is very much like the Safe Travels International Plan. The coverage includes $2000 of quarantine lodging expenses caused due to trip delays and $2500 of unexpected recurrence of a pre-existing condition benefit.
The coverage extends from 5 days to a maximum of 364 days. The policy may be extended with uninterrupted coverage for up to 24 months.
The Benefits Of Safe Travel USA Insurance Plans
The pricing for a wide range of benefits makes Safe Travel USA Plans very competitive. These plans hold advantages for international travelers that cannot be ignored:
- Competitive average pricing
- Superior coverage for medical evacuation
- COVID related medical expenses are covered
- Extensive Worldwide Network
- Immediate policy issues and personalized ID cards
- 24/7 Travel assistance
Review Of Safe Travels USA Insurance Plans From Trawick International
Trawick International’s legacy of 24/7 travel assistance and exemplary customer service with a 4 star rating on Trust Pilot adds popularity to its well-curated travel medical insurance plans.
Safe Travels USA Insurance Plans offer “Insurance for Every Journey.” These plans provide customers with affordable travel insurance plans that cover all their requirements. No wonder they are the most preferred travel medical insurance plans globally.
