Safe Travels USA Comprehensive

Safe Travels USA Comprehensive is a affordable comprehensive visitor insurance plan for USA visitors that provides insurance for medical accidents, illness, emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage, accidental death, and dismemberment. 

Visitor Guard® offers Safe Travels USA Comprehensive Insurance coverage at an affordable price for visitors to the USA. Available to Non-US citizens or Residents up to 90 years of age visiting the US. This plan is not available to US Citizens, US Residents, or Green cardholders in the USA. Our Plans provide coverage to travelers outside the home country to the US or to the US and Worldwide. We offer more options for visitor health insurance plans.

Safe Travels USA Comprehensive

Safe Travel USA Comprehensive

$69 / mo For age 45 year with $50,000 plan and $250 deductible
  • Plan maximum limits ranging from $50,000 to $1 million
  • Deductible options from $0 to $5000
  • Coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit
  • Coverage for 1 episode of Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 364 days
  • Brochure
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Safe Travels USA Comprehensive Benefits

  • Plan Benefits: Coverage for in-patient and out-patient medical accidents & illness up to $1 million, Evacuation, Repatriation of Remains, trip interruption, baggage, AD&D. Choice of deductibles from $0 to $5,000. 
  •  Pre-existing: 1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70y & above. 
  • PPO Hospital Network: In-network, the deductible, and co-insurance is waived. You can search for providers (doctors, hospitals, Urgent care, etc.) in the Coventry First Health PPO Network
  • Special Feature 1:  $125 Doctor Wellness Visit Benefit if the policy has been purchased for at least 30 days. Must occur within the first 21 days from the effective date of coverage. Register for Well Doctor Visit
  • Special Feature 2: Covid-19 is treated as any other illness.
  • Special Feature 3: Optional Athletic Sports coverage, Home country coverage, and 24-hour AD&D. 

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Safe Travels USA Comprehensive Cost

The pricing is dependent on the following factors: The higher the plan limit, age, or coverage days, the higher will be the premium. If you add any optional coverage the premium will increase. Your premium reduces if you opt for a higher deductible.  

Plan Limit: Choice of five plan limits – $50,000, $100,000, $250,000, $500,000 or $1,000,000.

Age: The premium goes up with age. The plan is available until the age of 89 years.

Coverage Days: The plan offers coverage from 5 days to 364 days; renewable up to 24 consecutive months. 

Optional Coverage Benefit Riders: Optional Riders include Follow Me Home/Home country Rider, adventure sports travel Coverage, 24 Hour AD&D upgrade. The premium will increase if any of these riders are added.

Plan Cost for Age Groups

AgePolicy Max Limit $50,000Policy Max Limit $1,000,000 
From 50 to 59 years$118$221 
From 60 to 64 years$137$278 
From 65 to 69 years$157 NA 
From 70 to 79 years$234NA 
Premium based on a $250 deductible for 31 days


What Coverage & Benefits are Offered by Safe Travel USA Insurance

The Safe Travel USA Comprehensive plan is underwritten by Crum and Foster. It is a comprehensive policy and follows the Coventry PPO network.  

About this Plan Coverage Highlights

  • Insurance for medical accident and sickness upto $1,000,000, emergency medical and political evacuation, repatriation of remains, trip interruption, baggage, and AD&D .
  • COVID-19 is covered and treated as any other sickness
  • $125 Doctor Wellness Visit Benefit 
  • One episode for an Acute Onset of a Pre-Existing Medical Condition 
  • In network, deductible and Co-insurance waived
  • Coverage from 5 days to 364 days 
  • Extendable with uninterrupted coverage for up to 24 consecutive months 
  • Optional Athletic sports coverage, Return to home, AD&D upgrade available

You can review the complete benefits in the Brochure

Read: Safe Travels USA Comprehensive vs Atlas America: A Detailed Comparison

Benefits for Safe Travels USA Comprehensive Plan 

BenefitCoverage Amount up to 64 yearsCoverage Amount above 64 years 
In-patient HospitalFrom $50,000
to $1,000,000
From $50,000
to $1,000,000
Out-patient ClinicFrom $50,000
to $1,000,000
From $50,000
to $1,000,000
Doctor VisitFrom $50,000
to $1,000,000
From $50,000
to $1,000,000
Prescription DrugsFrom $50,000
to $1,000,000
From $50,000
to $1,000,000


How to Claim Safe Travels USA Comprehensive Insurance?

It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing

  • Download and complete the Claims Form
  • Attach copies of all the pages of the passport
  • Attach the itemized bills
  • Submit the above within the stipulated time of 90 days after seeing the provider
  • Follow up on your Claim by calling 877.916.7920 or emailing

Claims filing address and email:

Address: Co-ordinated Benefit Plans LLC on Behalf of Crum and Forster SPC
PO Box 2069 Fairhope AL 36533
Toll-Free #: 866-669-9004 or 866-696-0409

FAQs: Safe Travels USA Comprehensive Insurance Plan

Safe Travel USA comprehensive policy is available to Non-US citizens or Non-US Residents who reside outside the US 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 plan is not available to US Citizens, US Residents, or Green Card Holders in the US. The plan is available for individuals up to the age of 90 years. This Policy is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.

Pre-existing conditions are excluded by the Safe Travels USA Comprehensive Plan, however, the plan can cover for one episode of an acute onset of 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 age 70 Acute Onset benefits will be reduced to a maximum of $35,000, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation.

The policy provides coverage for an acute onset of a pre-existing condition. Any repeat/recurrence within the same policy period will no longer be considered an acute onset of a pre-existing condition and will not be eligible for additional coverage. A pre-existing condition that 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 when you are medically discharged or receive medical advice stating that the condition and onset are no longer acute.

Acute Onset of a Pre-Existing Condition means a sudden and unexpected outbreak or recurrence of a Pre-Existing Condition which

  • Occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care; and
  • Occurs a minimum of 48 hours after the Effective Date of the policy and
  • Treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

Though the plan does not restrict you from going to any doctor in the area, to get negotiated rates, and to waive the deductible and coinsurance it is beneficial to go to a provider in the network.

You can search for providers (doctors, hospitals, Urgent care, etc.) in the Coventry First health PPO network

No, adventure sports are excluded from coverage. However, for an additional premium, the plan offers an optional sports rider for Injuries incurred during Amateur, Club, Intramural, Interscholastic, Intercollegiate activities. Professional and Semi-Professional Sports for the following sports:

Class 1 – includes Archery, Tennis, Swimming, Cross Country, Track, Volleyball, and Golf

Class 2 – includes 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 the policy unless the activity is noncontact and engaged in solely for the purpose of leisure, recreation, entertainment, or fitness.

The application will need the name, date of birth, visitor’s address, passport country, and email address to send the insurance documents.  If you do have the passport number, you can enter it. A valid credit card will be required to complete the purchase.

Once the application is submitted, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.

As long as your initial purchase was a minimum of 5 days, you can renew the policy. The plan can be bought from 5 days to 364 days. The plan can be renewed before the end date of the policy and can be extended up to 2 years.

Before the effective date of the policy:  Full cancellation and refund will only be considered if a written request is received prior to the Effective Date of the coverage.

After the effective date of the policy:  If a written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

  • If any claims have been filed the premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company, then

(i) a cancellation fee of US $25 will be charged; and

(ii) only unused days premiums will be considered as refundable;

  •  If after a refund is made, it is determined that a claim was presented on a Covered Person’s behalf, the Covered Person will be fully responsible for that claim in its entirety.

Available 24 hours a day, 365 days a year
Toll free within the United States and Canada: 877-916-7920
Outside the United States and Canada, call direct or Collect: 949-916-7941

This plan is underwritten by Crum & Forster International with an A.M Best rating “A”

Reviews of Safe Travels USA Comprehensive for US Visitors

Average Rating
5.0 out of 5

Rate Features

Inpatient and Outpatient coverage
2.5 out of 5
PPO Network
2.5 out of 5
Coverage for Covid
0.0 out of 5
Coverage for Acute onset of Pre-existing Conditions
0.0 out of 5
Budget Friendly with Good Benefits
2.0 out of 5
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The most important thing I like about visitor gaurd is their prompt and quick service.Also they provide you details with respect to what are the best options for the age with pre existing conditions.The website was very user friendly with multiple plans and prices listed.All the documents were very clear and indetail. Would definitely recommend using them again.

One thing when you call VisitorGuard for information about their various insurance policies for visiting parents, is their prompt reply and personal assistance in guiding through all options. They have always helped us in selecting the best plan to fulfill all our requirements as per the age, health conditions and other situations.
Accessing their site is just as easy and very informative. They have multiple plans to chose from, and delivery of ID cards is almost instantaneous as soon as you approve of a plan. Though we never had to file any insurance claims , we have heard that VisitorGuard has extended their services to help and guide in case of filing of insurance claim when required.
We recommend VisitorGuard insurance services to all our friends as we have personally used their services 3-4 times and are happy with our choices.