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Safe Travels USA Insurance

Safe Travels USA Visitors Insurance for Travel to America

Safe Travels USA Insurance is a comprehensive plan for visitors to the USA, purchase coverage exactly from 5 up to 364 days, renew up to 2 years.

COVID-19 / SARS-CoV-2 / Coronavirus  Safe Travels USA plan includes coverage for testing/treatment of COVID19 even after The World Health Organization (WHO) issued a global pandemic warning, and the U.S. Centers for Disease Control and Prevention (CDC) issued a level 3 travel warning to avoid nonessential travel.

Safe Travels USA Insurance is a primary accident and sickness medical plan offering temporary health coverage for non-US citizens while visiting the USA or Canada and traveling to other countries outside home country. Plan includes both insurance and non-insurance benefits, and covers Covid-19 sickness and acute-onset of pre-existing condition (unexpected recurrence). This visitor health insurance policy offers en-route to USA coverage and benefits including emergency evacuations/reunions or repatriation of mortal remains and much more as part of the included benefits while visiting the USA or other countries.

Safe Travels USA Insurance plan can initially be purchased for a minimum of five (5) days up to a maximum of 364 days, coverage may be renewed or extended for up to 24 months.

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


Safe Travels USA Insurance Review

Top Visitor Health Insurance USA  COVID-19 

Notes: Top policy with Covid-19 coverage for visitors to the USA, has sudden recurrence with acute-onset pre-existing condition benefits for ages below 70 years. 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: $50K to $1 million
  • Choice of deductible: $0 to $2,500
  • AD&D benefit: $25K (included), additional to $1 million

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

  • Foreign nationals visiting the USA or Canada
  • Sickness/injury plans for visitors to America
  • Acute-onset of pre-conditions included
  • Quote & purchase online for single trip
  • $75 Doctor Wellness Visit Benefit
  • Optional Riders: Athletic sports, Return to Home

Safe Travels USA Insurance Policy Information

Safe Travels USA Insurance is a visitor health coverage specially designed for tourists visiting America or Canada, relatives/parents visiting USA, and as international travelers going abroad to any foreign destination country.

Safe Travels USA is a primary travel health insurance plan offering temporary accident and sickness medical benefits outside home country, and coverage is not available to US Citizens, US Residents or US green card holders in the USA or US green card holders traveling to the USA.

Safe Travels USA Insurance - Plan Overview

Safe Travels USA Insurance plan review and highlights of coverage. Safe Travels USA Visitor Insurance policy highlights are as follows:

  • Eligiblity: Individuals and families visiting the USA or traveling outside their home country worldwide.

  • 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

  • $75 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 USA Insurance Plan Details

Safe Travels USA Insurance is available for non-U.S. citizens/residents who are visiting the United States, or while traveling outside home country. Coverage is suitable both for business or leisure travelers to the U.S., international tourists, individuals or family who are on a holiday to America. This is a brief summary of the features available in Safe Travels USA 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 USA
Quote & Buy Online Buy Safe Travels USA Insurance
Renew Coverage Online Safe Travels USA Insurance plan is renewable up to 364 days, if the policy is not lapsed and currently active.
Review Plan Brochure Safe Travels USA Visitor 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 $50,000, $100,000, $250,000 $500,000 or $1,000,000 USD.
Deductible Options In Network $0
Out of Network $0, $100, $250, $500, $1,000, $2500, $5000
Co-Insurance: In Network, plan pays up to 100% up to the plan maximum.
Out of Network, plan pays up to 80% for the first $5,000 beyond selected deductible, then 100% up to the plan maximum.
Outside of the USA, plan pays up to 100% up to the plan maximum.
Emergency Medical / Hospitalization Hospital/ICU Room & Board Charge covered 100% up to Policy Maximum.
Doctor / Physician Visit 100%
Outpatient Medical and Telemedicine is also covered.
Labs and Diagnostics covered 100% up to Policy Maximum

X-rays and labs must be ordered by the physician.

Prescription Drugs / Medicines covered 100% up to Policy Maximum

Ongoing prescriptions prior to purchase of policy will not be covered.

Emergency During Pregnancy Emergency Medical Treatment of Pregnancy up to $1,000 (subject to Out of Network Deductible)
Mental or Nervous Disorders covered up to $2,500

Chronic conditions will not be covered.

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 Unexpected Recurrence of a Pre-Existing Condition up to $1,000
“Pre-Existing Condition” means Any Injury, illness, Sickness, disease, or other physical, medical, mental or nervous disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the 36 months prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom. This specifically includes but is not limited to any medical condition, Sickness, Injury, illness, disease, mental illness or mental nervous disorder, for which medical advice, diagnosis, care or Treatment was recommended or received or for which a reasonably prudent person would have sought Treatment during the 36 month period immediately preceding the Effective Date of Coverage under this Certificate. 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.
Primary insurance Safe Travels USA is 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 USA Insurance Quote

Disclaimer: The information provided on this page is only a summary of the Safe Travels USA Insurance plan, be sure to read Safe Travels USA 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 USA Insurance Plan Brochure

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

Safe Travels USA Insurance Certificate

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

Safe Travels USA Insurance PPO Network

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

  • Provider Network: Search and find doctors, hospitals, labs, and other providers within the Trawick Insurance PPO Network to to save on coinsurance charges which is typically incurred outside the network.

Safe Travels USA Insurance - Quote/Buy Online or Apply

Quote/Buy Safe Travels USA instantly online or print/complete the paper application along with the payment.

Safe Travels USA Insurance - Renew/Extend Coverage

Safe Travels 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 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 USA Insurance Claims form on the Trawick Insurance Client Resources page.

Safe Travels 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 USA Insurance Plan Questions & Answers

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

Who is eligible to purchase the Safe Travels USA policy?

Foreign nationals visiting the USA for short term up one year

The Safe Travels USA 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 any age visiting the United States can purchase the policy. The plan is NOT available for US citizens who live permanently outside the USA as expatriates, and are traveling to the USA for a short visit.

What are the common terms used in the Safe Travels USA 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.