Safe Travels USA Comprehensive Vs. Safe Travels Elite: A Detailed Comparison 

When it comes to buying an insurance plan, you must carefully observe all the details and features of a policy so that it fits all your travel and medical needs. Buying a health insurance plan is the most crucial investment; hence, it is wise to read the policy documents, plan certificates and talk to insurance professionals.   Let us compare two popular plans among travelers. 

Safe Travels USA Comprehensive 

Safe Travels USA Comprehensive is a comprehensive insurance plan designed for non-US citizens traveling to the US and worldwide. Though the plan offers coverage worldwide, the insured individual must come to the US before going to other countries. Tourists can buy this policy for leisure and business travel, covering medical expenses, hospital stays, doctor’s visits, emergency medical evacuation, accidental death and dismemberment, COVID-19, acute onset of pre-existing conditions, etc. It offers optional benefits like adventure sports, home country rider, 24-hour AD&D (Accidental Death & Dismemberment) upgrade, and more. 

The plan’s highlights: 

• Coverage for in-patient and out-patient medical accidents & illnesses up to $1 million. 
• Coverage for Hospitalization, ER (Emergency Room), Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19, Well Doctor Visit. 
• Choice of deductibles from $0 to $5,000. 
• $125 Doctor Wellness Visit Benefit if the policy has been purchased for at least 30 days (about 4 and a half weeks). 
• Coverage for 1 episode of Acute Onset of Pre-existing conditions. 
• One annual  deductible  
• 100% co-insurance up to policy maximum 
• Covid-19 is treated like any other illness. 
• The plan offers coverage from 5 days to 364 days (about 12 months). 
• Emergency Medical Treatment of Pregnancy up to $1,000. 
• Optional upgrades include AD&D, sports activity coverage, and return to home country coverage. 
• The plan covers emergency medical evacuation, political evacuation, and natural disaster evacuation. 
• 24-hour travel assistance services are provided. 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Safe Travels USA Comprehensive Plan Brochure.

Safe Travels Elite 

Safe Travels Elite is a fixed benefit plan that is designed to provide security to non-US travelers coming to the US and worldwide. Though the plan offers coverage worldwide, the insured individual must come to the US before going to other countries. As a fixed benefit plan, it is economical and comes with sub-limits for every schedule of benefits. It offers coverage with pre-defined sub-limits for medical illnesses, accidents, acute onset of pre-existing conditions, medical evacuation, repatriation of remains, and more. 

The plan’s highlights: 

• Choice of 6 plans – Economy, Basic, Silver, Gold, Platinum, and Diamond. 
• It covers the acute onset of pre-existing conditions and has limits as per the chosen plan. 
• Covid-19 is treated like any other illness. 
• 1 Wellness Visit within the first 21 days (about 3 weeks) of the effective date if the plan has been bought for at least 30 days (about 4 and a half weeks). 
• It covers ambulance services, emergency medical evacuation, repatriation, political evacuation, natural disaster evacuation, return of minor children, and more. 
• Additional services include common carrier AD&D, felonious assault AD&D, telemedicine, and travel assistance. 
• Coverage from 5 days to 364 days (about 12 months). 
• The plan is available to anyone 14 days (about 2 weeks) to 89 years. 
• The choice of deductibles is $100 and $200 for ages 70-89. 
• The plan is made for non-US citizens/residents traveling from other countries to the US or the US and worldwide. 

Note: The insurance plan benefits and premiums get updated from time to time.  Please review the latest benefits in the Safe Travels Elite Plan Brochure.

About the insurance provider: Trawick International 

Trawick International® offers affordable plans for students and visitors traveling to the US and worldwide. Established in 1998, the company has designed insurance solutions that not only meet individuals’ needs but also surpass their expectations. With its extensive network of quality doctors, labs, physicians, specialists, and pharmacies, Trawick has successfully delivered perfect insurance policies to every category of traveler. Safe Travel USA Comprehensive and Safe Travels Elite are both part of Trawick’s plan. 

A quick comparison between the two plans:

Category	Safe Travels USA Comprehensive	Safe Travels Elite
Plan type	Comprehensive	Fixed benefit
Plan benefits	Coverage for in-patient and out-patient medical accidents & illnesses with choices up to $1,000,000, acute onset of pre-existing condition, COVID-19, evacuation, repatriation of remains, trip interruption, baggage, AD&D. Optional coverage for athletic sports.	Coverage for in-patient and out-patient medical accidents & illnesses with sub-limits. It provides benefits for acute on-set of pre-existing conditions, well doctor visit, emergency medical evacuation, repatriation of remains, and more.
Eligibility	Non-US citizens who reside outside the US and are traveling outside their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. Insured individual must be between 14 days (about 2 weeks) to 89 years. The plan is not available to US Citizens, US Residents, or Green Card Holders in the US. Not available to any individual who has been residing within the United States for more than 365 days (about 12 months) prior to their Effective Date.	Non-US citizens who reside outside the USA and are traveling outside their home country to solely visit the US, or to a combination of the US and other countries worldwide. Available to individuals up to the age of 89 years. The plan is not available to US Citizens, US Residents, or Green Card Holders in the US.
Coverage area	The US and worldwide	The US and worldwide
Underwriter	Crum and Forster	Crum and Forster
PPO network	First Health PPO Network	First Health PPO Network
Policy max	Choice of five plan limits – $50,000, $100,000, $250,000, $500,000 or $1,000,000.	Policy maximum ranging from $25,000 to $175,000 per incident for Economy, Basic, Silver, Gold, and Platinum. $50,000 and $100,000 annual max for Diamond and Diamond Plus.
Deductible	$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 Annual	For ages 14 days (about 2 weeks) to 69 years, the deductible option is $0. For ages 70 to 89 years, you can opt for either a $100 or $200 deductible.
Coverage days	Coverage from 5 days to 364 days (about 12 months)	Coverage from 5 days to 364 days (about 12 months)
Coinsurance	Plan pays 100% In-network and Out-of-network, up to the Policy Maximum	Plan pays the covered amount.
Provider	Trawick International	Trawick International
Brochure	View	View
Plan Page	View Plan Page	View Plan Page
Ratings	AM Best Rating: A+	AM Best Rating: A
Plan features
Medical coverage	Insurance for medical accidents and sicknesses up to $1,000,000.	Insurance for medical accidents and sicknesses up to $25,000 per incident (Economy), $50,000 per incident (Basic), $75,000 per incident (Silver), $100,000 per incident (Gold), $175,000 per incident (Platinum), $50,000 annual max (Diamond), and $100,000 annual max (Diamond Plus)
Ambulance	100%	$100 to $750 per incident depending on the plan.
Pre-existing conditions	1 acute episode per pre-existing condition covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69 years & under; Upon attaining age 70 Acute Onset of Pre-existing Condition benefits are not available.	For Economy, Basic, Silver, Gold, and Platinum plans- up to Policy Maximum Coverage related to Cardiac Conditions or Stroke are limited to $25,000. For Diamond and Diamond Plus plans- For ages 70-79, up to $25,000. For ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke are limited to $15,000
COVID-19	Covered	Covered
Hospital room and board	Up to the selected policy medical maximum for semi-private room rate.	$1,400 to $3,000 per day depending on the selected plan.
Wellness doctor visit	$125 for Well Doctor Visit within the first 21 days from the effective date of coverage with a minimum purchase of 30 days of coverage.	$125 one visit per person per policy period. Must occur within the first 21 days (about 3 weeks) from the effective date of coverage.
Intensive care	Up to the selected policy medical maximum.	$2,100 to $4,500 for a restricted number of days depending on the selected plan.
Pregnancy	Up to $1000 for emergency medical treatment of pregnancy.	Not covered
Emergency medical evacuation	100% up to $2,000,000 per Policy Period. Medically necessary repatriation up to $15,000; $25,000 Maximum per Policy Period for any condition covered under Acute Onset of a Pre-existing Condition Benefit	$100,000 per Policy Period for Economy, Basic and Silver plans. Unlimited for Gold and Platinum plans. 50,000 per Policy Period and $25,000/Lifetime Maximum for Acute Onset over age of 80 for Diamond and Diamond Plus plans.
AD&D	Insured: $25,000 Principal Sum Spouse / Domestic Partner: $25,000 Principal Sum Dependent Child: $10,000 Principal Sum.	Not covered
Dental	Up to $250 for injury or pain to sound natural teeth	$600 to $750 per incident as per the selected plan for injury to sound natural teeth.
Emergency reunion	$15,000	Not covered
Mental/nervous disorder	$2,500 per policy period	$5,000 per incident for all plans.
Trip interruption	$5,000 per policy period	Not covered
Lost luggage	Up to $75 per article; $1000 maximum	Not covered
Return of minor children	$5,000 per policy period	$2,100 to $4,500 for a restricted number of days depending on the selected plan.
Repatriation of remains	100% up to $50,000 per Policy Period	$7,500 to $25,000 per policy period depending on the selected plan.
Special features	Optional upgrades to Follow Me Home/Home country Rider, adventure sports travel Coverage, 24 Hour AD&D.	None

• Refer to the Brochure for latest benefits.

Safe Travels Comprehensive- FAQs 

1. What is the coverage period for the Safe Travels USA Comprehensive plan? 

The coverage period for Safe Travels USA Comprehensive plan can vary depending on your needs. It typically offers coverage for a specific duration, ranging from a few days to several months. You can choose between 5 days to 364 days (about 12 months). 

2. Does Safe Travels USA Comprehensive plan cover pre-existing medical conditions? 

No, however Safe Travels USA Comprehensive plan provides coverage for one episode of acute onset of pre-existing conditions and differentiates between cardiac and non-cardiac issues. 

3. Can I cancel my trip and receive reimbursement under Safe Travels USA Comprehensive plan? 

 Though the plan does not provide coverage for trip cancellation, if you need to cancel the insurance plan, you can get a pro-rated refund of the premium if no claims are filed per the refund policy of the plan. There is a $25 cancellation fee. 

4. What is the maximum coverage limit for medical expenses under the Safe Travels USA Comprehensive plan? 

The maximum coverage limit for medical expenses under this policy is $1,000,000.  

5. Can I extend my coverage under Safe Travels USA Comprehensive plan if my trip lasts longer than initially planned? 

Yes, the Safe Travels USA Comprehensive plan may offer the option to extend your coverage if your trip lasts longer than initially planned. It can be extended to 12 months (about 1 year). 

Safe Travels Elite- FAQs 

1. What is the coverage period for Safe Travels Elite? 

The coverage period for Safe Travels Elite can vary depending on your travel plans. It typically provides coverage for a specific duration, ranging from a minimum period of 5 days up to a maximum period of 364 days (about 12 months). 

2. Does Safe Travels Elite cover trip cancellation or interruption? 

No, Safe Travels Elite does not offer trip cancellation and interruption coverage.  

3. Does Safe Travels Elite provide coverage for pre-existing medical conditions? 

No, however, the Safe Travels Elite includes coverage for acute onset of pre-existing conditions. The Economy, Basic, Silver, Gold, and Platinum category plans cover up to policy maximum coverage related to Cardiac Conditions or Stroke are limited to $25,000. The Diamond and Diamond Plus category plans cover up to $25,000 for 70-79 years. For ages 80 and above, up to $15,000 /Coverage related to Cardiac Conditions or Stroke is limited to $15,000. 

4. Are there any age restrictions for purchasing Safe Travels Elite? 

Safe Travels Elite typically does not have age restrictions for purchase. It is available for ages 14 days (about 2 weeks) to 89 years. 

5. Can I extend my coverage if my trip lasts longer than initially planned? 

Yes, Safe Travels Elite may offer the option to extend your coverage if your trip lasts longer than initially planned if you renew the plan before it expires. There are certain eligibility criteria that are mentioned in the brochure. 

Conclusion 

Travelers coming to the US for a short stay can buy a comprehensive visitor insurance plan (Safe Travels USA Comprehensive) or a fixed benefit plan (Safe Travel Elite), depending on their budget and traveling needs. This blog gives you a clear picture of their features and coverage types. If you are looking for a suitable plan and guidance to buy it, do not hesitate to contact Visitor Guard®.