Safe Travels USA – Cost Saver is a travel medical insurance plan designed for non-U.S. citizens visiting the United States. This plan provides essential medical coverage at an affordable cost, including emergency medical expenses, medical evacuation, and other necessary benefits during your stay in the U.S.
Safe Travels USA - Cost Saver
Safe Travels USA - Cost Saver
Safe Travels USA Cost Saver is an international comprehensive travel medical insurance plan designed for non-U.S. citizens who reside outside the USA and are traveling outside their home country to visit solely the U.S. or to visit a combination of the U.S. and other countries worldwide. The plan is suitable for budget-conscious travelers seeking comprehensive coverage benefits at an affordable price. It offers coverage from 5 days up to 364 days. The minimum age for coverage is 14 days old and up to 89 years old.
The plan offers policy maximums ranging from $50,000 to $1,000,000 and a wide choice of deductible options ranging from $0 to $5,000. After the deductible is satisfied, the plan pays 80% of the first $5,000 of eligible medical expenses and then 100% thereafter. It also offers coverage for the unexpected recurrence of a pre-existing condition.
The plan provides coverage for medical expenses, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and accidental death and dismemberment. The plan uses the First Health PPO network, a widely recognized PPO network across the U.S. Safe Travels USA Cost Saver does not offer COVID-19 coverage. Safe Travels USA Cost Saver is underwritten by Crum and Forster SPC, rated A by A.M. Best.
Key Highlights
- Coverage for Unexpected Recurrence of a Pre-Existing Condition
- Overall Maximum Limit Up to $1,000,000
- Coinsurance 80% of the first $5,000, then 100% up to the policy maximum
- Emergency Medical Evacuation Up to $2,000,000
- Medically Necessary Repatriation Up to $15,000
- Political Evacuation Up to $25,000
- Natural Disaster Evacuation Up to $10,000
- Emergency Reunion Up to $15,000
- Repatriation of Mortal Remains Up to $50,000
- Local Burial / Cremation Up to $5,000
- Trip Interruption Up to $5,000
- Urgent Care, Well Doctor Visit, and Accidental Death & Dismemberment benefits included
Note:
Please review Safe Travels USA - Cost Saver policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | Trawick International |
| Plan Underwriter | C&F Crum & Forster |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
| PPO Network | United healthcare PPO |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
| Urgent Care | In-Network $30 copay, 80 % of first $5,000, 100% thereafter Out-Network $30 copay, 80% of the first $5,000, 100% thereafter |
| Surgical Treatment | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
| Prescription Drugs / Medicines | 80% of first $5,000, 100% thereafter |
| Lab & X-rays | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
| Physical Therapy | $50 per day, up to 10 visits per Policy Period |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network Average semi-private room and rate Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
| Hospital Intensive Care Unit | In Network or Out of Network: After deductible, plan pays 80% covered for first $5,000, 100% covered thereafter |
| Dr. / Physician Visit | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
| Emergency Room | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | $250 Covered |
| Accidental emergency | $250 Covered |
| Dental Emergency | Up to $250 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $1,000,000 |
| Return of mortal remains | Up to $50,000 |
| Emergency Reunion | $15,000 Per policy period |
| Return of minor child(ren) | Yes, up to $5,000 |
| Trip Interruption | Up to $5,000 |
| Loss of checked baggage | Yes, up to $1,000 ($75/article) |
| Return of Mortal Remains | Up to $50,000 |
| Trip Delay | No coverage |
| Lost Luggage | Upto $1,000 |
| Terrorism | No coverage |
| Personal Liability | No coverage |
| Identity Theft | No coverage |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | $25,000 Optional Rider available (see brochure for details) |
| Common Carrier Accidental Death | $25,000 Optional Rider available (see brochure for details) |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact Number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan excludes COVID-19 benefits. |
| Pre-Existing Conditions | Unexpected recurrence of a pre-existing condition coverage up to $1,000 |
| Maternity | Emergency medical treatment of pregnancy up to $1,000 per policy period |
| General Physical full Checkup | Up to $75 (must be used within 21 days of plan effective date) |
| Terrorism Coverage | Not Covered |
| Brochure | Safe Travels USA - Cost Saver Insurance Brochure |
| Doctor Wellness Visit | Up $125 |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network 80% of first $5,000, 100% thereafter Out-Network 80% of first $5,000, 100% thereafter |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | up to $1,000 : Age 69 and below |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | No Coverage |
| COVID-19 Testing | No Coverage |
| COVID-19 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Safe Travels USA - Cost Saver FAQS
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What is Safe Travels USA – Cost Saver insurance?
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Who is eligible for Safe Travels USA – Cost Saver insurance?
This plan is available to non-U.S. citizens who are traveling to the United States for tourism, business, or medical purposes. Coverage is available for travelers aged 14 days to 89 years
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What are the coverage limits for Safe Travels USA – Cost Saver insurance?
Safe Travels USA – Cost Saver offers policy maximum limits ranging from $50,000 to $1,000,000, depending on the selected plan. The plan also offers a range of deductible options, including $0, $50, $100, $250, $500, $1,000, $2,500, and $5,000 per certificate period.
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Does Safe Travels USA – Cost Saver cover COVID-19?
No, Safe Travels USA – Cost Saver does not cover medical treatment for COVID-19 the same way as any other illness.
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Does the plan cover pre-existing conditions?
The plan provides coverage for the Unexpected recurrence of pre-existing conditions up to $1,000 for travelers under the age of 70. For travelers aged 70 and above, coverage for pre-existing conditions is not available.
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What additional benefits does Safe Travels USA – Cost Saver offer?
In addition to medical coverage, this plan includes:
Emergency medical evacuation up to $1,000,000Repatriation of remains up to $50,000
Trip interruption coverage up to $5,000
Accidental death and dismemberment up to $25,000
Return of minor children
Prescription drugs and medications expenses
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How long can I purchase Safe Travels USA – Cost Saver coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 364 days. If you purchase at least 5 days of coverage, you can extend your coverage up to the maximum duration.
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How do I file a claim with Safe Travels USA – Cost Saver insurance?
To file a claim, complete the Claimant’s Statement and Authorization form and submit it along with required documents such as medical bills and receipts. Claims can be filed through the plan administrator’s online portal or by contacting customer service directly.