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Safe Travels Elite

Safe Travels Elite Insurance for Visitors to the USA

Safe Travels Elite Insurance is a fixed benefit plan for visitors to the USA and travelers outside home country, purchase coverage from 5 up to 364 days, renew up to 2 years.

COVID-19 / SARS-CoV-2 / Coronavirus  Safe Travels Elite Insurance plan includes coverage for medically necessary treatment for COVID-19, SARS-CoV2, and any mutation or variant of SARS-CoV2.

Safe Travels Elite Insurance is a fixed benefit visitor medical insurance plan offering scheduled visitors health insurance coverage for non-U.S. residents as visitors to the USA or traveling abroad. This fixed or scheduled  benefit plan offers accident and sickness visitors medical coverage specially designed for budget conscious visitors to USA or Canada, and including any international travel outside home country to any other nation abroad. This visitor insurance policy (formerly known as Safe Travels for Visitors to the USA Insurance) offers fixed coverage benefits as listed in the schedule of benefits available n the plan brochure, including Covid-19 coverage, medical emergency evacuations, emergency reunions or repatriation of mortal remain as part of the included benefits. Safe Travels Elite Insurance is available in various plan benefits levels: Economy, Basic, Silver, Gold, Platinum, Diamond, and Diamond Plus, please review the plan brochure for details.

Safe Travels Elite Insurance plan includes Accidental Death and Dismemberment (AD&D) benefit for both Common Carrier and Felonious Assault, also COVID-19 expenses are covered and treated as any other sickness.

Safe Travels Elite Insurance is administered by Trawick International and underwritten by Crum and Forster, SPC.

Safe Travels Elite Insurance Review

Fixed Visitor Health Insurance USA  COVID-19 

Notes: Fixed benefit or scheduled policy with Covid-19 coverage for visitors to the USA, offers lower costs for budget oriented travelers. Renewable.

Eligibility: Any foreign resident individuals and/or family, visiting the USA and worldwide, up to the age of 89 years.

Coverage Duration: Minimum of 5 days to maximum of 1 year (364 days)


  • Member maximum limits: $25K to $175K
  • Choice of deductible: $0 / $100 or $200
  • AD&D benefit: $25K (included), add additional

PPO Network: For treatment received within USA, plan uses FirstHealth Preferred Provider Organization (PPO) network, save costs as NO co-insurance applies when you stay within the Trawick Insurance PPO network to consult a doctor or hospital for medical care.

PPO Network

Renew or Extend: Renewable or extendable with uninterrupted coverage for up to 24 consecutive months (2 years).

Renew Online

Other Highlights

  • Formerly Safe Travels for Visitors to the USA
  • Foreign nationals visiting the USA
  • Sickness/injury plans for visitors to America
  • Acute-onset of pre-conditions included
  • Quote & purchase online for single trip
  • Child alone without adult purchase allowed
  • Optional hazardous sports activity riders

Safe Travels Elite Insurance Policy Information

Safe Travels Elite Insurance, formerly called Safe Travels for Visitors to the USA Insurance, provides coverage to non-US citizens who reside outside the USA and are traveling outside of their home country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. The Insured must arrive in the USA before traveling to other countries. The plan is not available to expat USA citizens or green card holders in the USA. This plan is not available to anyone age 90 years or above. Coverage in countries outside the USA and travelers Home Country is available for up to 180 days during your Policy Period.

Safe Travels Elite Insurance - Plan Overview

Safe Travels Elite Insurance plan review and highlights of coverage are as follows:

  • Eligiblity: Individuals and families below age 90 years visiting the USA and traveling outside their home country worldwide.
  • Available is many options: Economy, Basic, Silver, Gold, Platinum are available for ages 14 days to 69 years; and Diamond and Diamond Plus are available for ages 70 years to 89 years.
  • Maximum coverage choices from $50K up to $1 million USD for emergency medical and hospitalization.
  • Coverage from 5 days to 364 days; renew uninterrupted policy to extend expiration dates up to 2 years (24 consecutive months).
  • Unexpected recurrence of a Pre-Existing Medical Condition up to $1,000
  • Wide network of doctors or hospitals available in the First Health PPO Network
  • $125 Doctor Wellness Visit Benefit and Telemedicine option covered
  • Optional Riders available: Athletic sports and Return to Home coverage
  • Not available to US Citizens, US Residents or US green card holders
  • Covered en-route to USA and in countries during travel
  • Insurance for medical accident and sickness, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and accidental death & dismemberment
  • Premium Rates, please use the quote buy link to generate an online quote for plan rates.
  • COVID-19: Plan offers coverage for testing/treatment COVID-19 / coronavirus. (Both the World Health Organization (WHO) and U.S. Centers for Disease Control and Prevention (CDC) have declared this disease as a global pandemic.)

Safe Travels Elite Insurance Plan Details

Safe Travels Elite Insurance is available for non-U.S. citizens/residents who are visiting the United States, or while traveling outside home country. This Fixed or Scheduled benefit coverage is suitable budget friendly or value conscious travelers to the U.S., international tourists to America, individuals or family who are on a fixed cost holiday to America. This is a brief summary of the features available in Safe Travels Elite plan. It is not a contract of insurance. This plan includes both insurance and non-insurance benefits. Limitations and exclusions apply. Please refer to the plan certificate for more details.

Plan Name Safe Travels Elite
Quote & Buy Online Buy Safe Travels Elite Insurance
Renew Coverage Online Safe Travels Elite Insurance plan is renewable up to 364 days, if the policy is not lapsed and currently active.
Review Plan Brochure Safe Travels Elite Insurance Brochure
Coverage Period or Duration Coverage period minimum length of 5 days to maximum of 364 days (12 months)
Benefit Period 180 days (amount of time you have from the date of your injury/illness to receive treatment).
Policy Maximum Choice of in USD: $25,000 (Economy), $50,000 (Basic), $750000 (Silver), $100,000 (Gold) or $175,000 (Platinum) for age below 70 years.
Choice of in USD: $50K (Diamond) or $100K (Diamond Plus) for age 70-89 years.
Deductible options (per Incidence) Economy, Basic, Silver, Gold or Platinum: $0
Diamond or Diamond Plus: $100 or $200
Hospital Room and Board Expenses:
(per day to a maximum of 30 days)
Economy, Basic: $1,400, Silver: $1,750, Gold: $2,000, Platinum: $2,700 and Diamond or Diamond Plus: $1500.
Hospital Intensive Care Unit Expenses: (Additional per day to a maximum of 10 days) Economy, Basic: $700, Silver: $800, Gold: $900, Platinum: $1,150 and Diamond or Diamond Plus: $800.
Inpatient Ancillary Hospital Services Included under the Hospital Room and Board Expenses.
Physician’s Surgical Treatment (per Incident) Economy, Basic: $3,500 , Silver: $4,750, Gold: $6,000, Platinum: $7,500 and Diamond or Diamond Plus: $3,500.
Anesthesiologist or Assistant Physician’s Surgical Expense (per Incident) Economy, Basic: $850 , Silver: $1,200, Gold: $1,400, Platinum: $1,800 and Diamond or Diamond Plus: $850.
 Physician’s Non-Surgical Visits Economy, Basic: $55 , Silver: $70, Gold: $85, Platinum: $115 and Diamond or Diamond Plus: $55.
Limited by per visit, one visit per day and 30 visits per Policy Period.
Consulting Physician or Private Duty Nurse (per Incident) Economy, Basic, Diamond or Diamond Plus: $450 , Silver, Gold: $550, Platinum: $700.
Pre-Admission Test (Per Incident within 7 days of Admission) Economy, Basic, Silver, Diamond or Diamond Plus: $1,100 , Gold: $1,200, Platinum: $1,500.
Physical Therapy Physiotherapy, Physical Medicine or Chiropractic covered up to $50 per visit per day (10 visits)
Must be ordered by attending physician. Usual Reasonable and Customary.
Dental Treatment covered up to $250.
Sudden Dental Pain (Acute, spontaneous and unexpected)
Emergency Medical Evacuation 100% (Not Subject to the Deductible)
Political/Natural Disaster Evacuation $25,000 (Not Subject to the Deductible)
Repatriation of Remains Return of Mortal Remains up to $50,000 (Not Subject to the Deductible)
Local Burial/Cremation $5,000 (Not Subject to the Deductible)
Emergency Reunion $15,000 (Not Subject to the Deductible)
Return of minor Child(ren) $5,000 (Not Subject to the Deductible)

Applies to Travel Companion also

Trip Interruption $5,000 per policy period (Not Subject to the Deductible)
Loss of Checked-in Baggage Lost Baggage up to $1,000 (Not Subject to the Deductible)
Pre-Existing Conditions For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or conditions, which will be limited to $25,000 up to and including age 69 and $15,000 for ages 70 and above. Upon attaining ages 70-79 Acute Onset benefits will be reduced to a Maximum of $35,000, upon attaining age 80 Acute Onset benefits will be reduced to a Maximum of $15,000 with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Provides coverage for an Acute Onset of a Pre-Existing Condition. Any repeat/reoccurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. A Pre-Existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset. This benefit covers only ONE (1) Acute Onset episode of a Pre-Existing condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and Onset is no longer acute, or you are discharged from a medical facility.
Well Doctor Visit Pays up to $125 – One Visit per person per Policy Period. The Well Doctor Visit must occur within the first 21 days from the effective date of coverage. To be eligible you must purchase at least 30 days of coverage initially.
Secondary Insurance Safe Travels Elite is NOT a Primary Insurance plan
A Secondary insurance plan just fill gaps found in coverage benefits in the Primary plan. In comparison, a Primary Insurance plans pays immediately for an unexpected injury/illness that is not an exclusion, without any verification made, whereas in a secondary plan, this check is done.
Accidental Death &amp: Dismemberment (AD&D) Included maximum $25,000 (Not Subject to the Deductible)
Optional AD&amp:D Upgrades: $50,000, $100,000, $250,000, or $500,000
1. $50,000 – $0.25 per day – All Ages
2. $100,000 – $0.50 per day – Ages 19-79
3: $250,000 – $1.75 per day – Ages 19-69
4: $500,000 – $4.00 per day – Ages 19-69
Additional costs apply for optional add-on.
Return to Home Coverage Optional Upgrade:
Maximum $50,000, Up to 60 days prorated, 1.10 x the daily base plan rate.
Provides coverage for injury or sickness that occurs during an incidental trip to back to your home country or for covered expenses incurred in your home country for conditions first diagnosed outside your home country and treated during your policy period. You must purchase 30 days of coverage to add this benefit.
Athletic Sports Coverage Optional Upgrade:
Some hazardous sports covered, 1.20 x the daily base plan rate + monthly Sports Class rate.
Class 1 Sports: Rate $0 per month (Archery, Tennis, Swimming, Cross Country, Track, Volleyball & Golf)
Class 2 Sports: Rate $26 per month (Ballet, Basketball, Cheerleading, Equestrian, Fencing, Field Hockey, Football (no division 1), Gymnastics, Hockey, Karate, Lacrosse, Polo Rowing, Rugby & Soccer)
Provides coverage for injuries incurred during amateur, Club, Intramural, Interscholastic, Intercollegiate activities such as archery, tennis, swimming, cross country, track, volleyball golf, ballet, basketball, cheerleading, equestrian, fencing, field hockey, football (no division 1), gymnastics, hockey, karate, lacrosse, polo, rowing, rugby and soccer. Any athletic sport not listed is excluded from this policy unless the activity is non- contact and engaged in by you solely for leisure, recreation, entertainment, or fitness purposes only.
Exclusions & Limitations Exclusions apply, see Exclusions & Limitations section in plan certificate for details
Pre-certification Requirements See pre-certification section in plan certificate for details, pre-certification does not guarantee benefits.
Claims & Reimbursement Submit the completed claim form and file along with the itemized medical bill/s to the plan administrator within 90 days
Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determine it is an eligible expense
Claim payments can be converted to a currency of your choice
Cancellation & Refund Before coverage start date, full plan cost refunded
After coverage start date, the unused portion of your plan cost is refunded minus a cancellation fee of $10, if no claims filed under the policy already
Note: A written (email) request along with the requiste cancellation form filled ans signed is required.
Other Details
  • The effective date is based on the date requested and once payment has been received.

  • Plan rates are per person and based on age of the traveler at the time of enrollment.

  • Rates are subject to change prior to enrollment, currant premiums apply.

  • Apply online and pay using Visa, Mastercard, American Express or Discover.

Worldwide Assistance 247/365 Emergency Assistance service included, contact phone number provided on the back of ID card.
Plan Administrator Trawick International handles all policy administration services
Claims Administrator Trawick International handles all claims administration services
Insurance Underwriter Underwritten by Crum & Forster, SPC.
Ratings of Insurance Company A.M. Best: “A” (Excellent) and Standard & Poor’s: “A+” (Strong)
Quote & Buy Online Safe Travels Elite Insurance Quote

Disclaimer: The information provided on this page is only a summary of the Safe Travels Elite Insurance plan, be sure to read Safe Travels Elite Insurance plan brochure for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and plan costs are shown in U.S. Dollar amounts and are per person and per period of coverage unless otherwise noted.
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by the plan claims administrator.

Safe Travels Elite Insurance Plan Brochure

Safe Travels Elite Insurance Review of the plan brochure for coverage information and summary of benefits along with broad outline of the policy features.

Safe Travels Elite Insurance Certificate

Safe Travels Elite Insurance Review of the plan certificate for detailed coverage information and plan exclusions with in-depth policy benefits explanation.

Safe Travels Elite Insurance PPO Network

Safe Travels Elite plan has an extensive USA based and international PPO network of doctors, hospitals, labs, and other caregivers.

Safe Travels Elite Insurance - Quote/Buy Online or Apply

Quote/Buy Safe Travels Elite instantly online to print/complete the application along with the payment.

Safe Travels for Visitors to the USA Insurance - Renew/Extend Coverage

Safe Travels for Visitors to the USA Insurance Review of coverage which can be extended or renewed to a maximum period of 364 days. A $5 renewal additional fee apples for each renewal application.

Safe Travels for Visitors to the USA Insurance Client Dashboard

Download and submit the claims form along with for detailed information including receipts for all medical bills for review and processing. You can also check the status of your claim online

Claims: Download the Safe Travels for Visitors to the USA Insurance Claims form on the Trawick Insurance Client Resources page.

Safe Travels for Visitors to the USA Cancellation & Refund Rules

Below are the rules pertaining to cancellation of the policy and refund of premium.

  • Prior to Effective Date: If written email request is received by the plan administrator prior to the effective date of coverage, the paid premium is refunded minus a $25 cancellation fee.
  • Active Policy: After that effective date, the premium is considered fully earned by the plan administrator and is non-refundable. Even if you have no claims with the current active policy certificate, partial refunds are not available with this policy.

Safe Travels Elite Insurance Plan Questions & Answers

Below are some of the questions frequently asked with the Safe Travels Elite Insurance plan and relevant answers gathered over many years:

Who is eligible to purchase the Safe Travels Elite Insurance policy?

Foreign nationals visiting the USA for short term up one year

The Safe Travels Elite plan is available for foreign nationals who are visiting the United States for a short-term duration of up to 1 year. Individuals and/or families of age below 90 years visiting the United States can purchase the policy. The plan is NOT available for US citizens who live permanently outside the USA as expatriates, or green-card holders who are traveling to the USA for a short visit.

What are the common terms used in the Safe Travels Elite plan?

Medical Maximum, Deductible, Coinsurance are commonly referenced

Medical Maximum is the maximum amount covered under the policy, the plan will pay up to that amount should you need to use the plan by see medical care with the doctor, urgent care, or hospital, etc. Deductible is the amount of medical expenses which the insured person has to meet and cross (accumulated amount) before the plan pays. Higher the deductible selected, lower is the premium cost for the same medical maximum coverage selected. Coinsurance is the percentage amount of covered expenses, after the deductible, which the insured person pays, and applies only for the first $5000 beyond the deductible. Usual, Reasonable & Customary (URC) is for amounts that is actually payed out in the even of a sickness or injury claim. This is based on the local costs for treatment of that same type of claim.

Did you know that the premium costs are mandated by law, and you cannot find a lower quoted cost for any given policy and the same plan options selected, whether you purchase directly or through any agent/agency.