Safe Travel USA Comprehensive

Safe Travels USA comprehensive insurance policy provides medical insurance to non-US citizens and non-US residents while visiting the US. The policy offers coverage for covered medical expenses including hospitalization, surgery, physician visits and prescriptions. The plan includes one acute onset of pre-existing condition coverage and one well-check visit per policy.

The plan helps ensure safe travels for visitors to the USA. Safe Travels USA waives the deductible and co-insurance if you use in-network providers. In the event you use out-of-network providers, the plan will pay 80% for the first $5,000 after your deductible has been met—and then 100% for up to the chosen policy maximum. The plan offers a range of deductible options, with costs ranging from $0 to $5,000. For specific needs like athletic sports coverage, you can add the optional athletic rider. Urgent care visits have a $30 co-pay. Both cover the unexpected recurrence of a pre-existing condition up to $1000.brochure

The plan can be purchased to provide coverage from 5 days to 1 year. The plan can be renewed before the policy expires and may be extended up to 2 years.

Range of Coverage

Safe Travels USA provides insurance for medical accidents, illness, emergency medical treatment, political evacuation, repatriation of remains, trip interruption, baggage, accidental death and dismemberment. Based on the age, the plan offers coverage options from $50,000 to $1 million and has choices of deductibles from $0 to $5,000.

Well Visit / Physical Check Up

If the plan is purchased for a minimum of 30 days, the policy offers coverage up to $75 for physical check up. This benefit must be used within 21 days of plans effective date.  Once purchase is confirmed, you may register for the benefit at

Pre-existing Coverage

Safe Travels USA Comprehensive covers one acute episode per non-chronic pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for policyholders 69 years and under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for policyholders 70 years and above.

Urgent Care

There is a $30 copay and no deductible. For in-network visits, the plan pays 100% up to the policy maximum. When visiting an out-of-network urgent care facility, the plan pays 80% for the first $5,000. From there, the policy covers 100% up to your chosen maximum.

Optional Coverage

  1. Athletic Sports Coverage: This covers injuries incurred during amateur, club, intramural, interscholastic and intercollegiate activities as listed in the policy brochure.
  2. Home Country/ Follow Me Home: Home country covers injury or sickness that occurs during an incidental trip back to your home country or expenses incurred in your home country for conditions first diagnosed outside in a foreign country and treated during the policy period (provided the policy is purchased for at least 30 days of coverage).


The plan provides emergency medical treatment of pregnancy up to $1,000 per Policy Period.

Safe Travels USA Insurance offers five maximum coverage options: $50,000, $100,000, $250,000, $500,000 or $1,000,000 (those ages 65+ have the choice between $50,000 and $100,000).

In Network $0

Out of Network $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per policy period

100% in Network, 80/20 – $5,000 out of Network.
The minimum period of coverage under Safe travels USA Comprehensive is five (5) days and the maximum is 1 year.
The plan can be purchased for a minimum of 5 days and a maximum of 1 year. Coverage may be renewed if it is initially purchased for a minimum of 5 days. If available, additional periods are charged at the premium rate and due upon the time of renewal. The total Policy Period cannot exceed 24 months. Five days premium is the minimum acceptable renewal premium and twelve months premium is the maximum. Once the policy has lapsed, you would need to reapply.
Safe Travels USA Insurance is underwritten by GBG Insurance Limited
Safe Travels USA Comprehensive insurance is administered by Trawick International.

How it works:

Safe Travel USA comprehensive policy is available to Non US citizens or Non US Residents who reside outside the US and are visiting the US. 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.

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 acute onset of a pre-existing condition. Any repeat/recurrence 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 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 is no longer acute.

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

1) 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

2) occurs a minimum of 48 hours after the Effective Date of the policy and

3) treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.

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.

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 at

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.

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 1 year. The plan can be renewed before the end date of the policy and can be extended up to 2 years.

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

    After the effective date of the policy:  If 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:

    1. a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
    2. b) If no claims have been filed with the Company, then (i) a cancellation fee of US $25 will be charged; and (ii) only full month premiums will be considered as refundable; and

    c) If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety

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

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

Claims filing address and email:

Co-ordinated Benefit Plans, LLC on Behalf of Global Benefits Group
PO Box 2069 Fairhope AL 36533
or email
Toll Free: 866-669-9004

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