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

Safe Travels USA Comprehensive and Safe Travels USA both are comprehensive travel medical insurance plans that are designed for non-US travelers looking for protection outside their home country. While both plans provide coverage for unexpected medical expenses, there are key differences to consider when choosing the right option for your needs. 

Table of Contents: 

• Safe Travels USA Comprehensive vs. Safe Travels USA
• About Safe Travels USA Comprehensive
• About Safe Travels USA
• About Insurance Provider
• FAQs
• Conclusion

Safe Travels USA Comprehensive vs. Safe Travels USA

Category	Safe Travels USA Comprehensive	Safe Travels USA
Plan type	Comprehensive	Comprehensive
Benefits	Coverage for eligible medical expenses, doctor visits, hospitalization, urgent care, COVID-19, acute onset of pre-existing conditions, Emergency Medical Evacuation, AD&D, Repatriation, and more.	Coverage for eligible medical expenses, doctor visits, hospitalization, urgent care, COVID-19, unexpected recurrence of pre-existing conditions, Emergency Medical Evacuation, AD&D, Repatriation, and more.
Underwriter	Zurich Insurance Europe AG	Zurich Insurance Europe AG
PPO	United Healthcare PPO Network.	United Healthcare PPO Network.
Policy Maximum	Choice of five plan limits – $50,000, $100,000, $250,000, $500,000 or $1,000,000. Maximum Limit for 80+ is $20,000	Plan offers five plan limits of $50,000, $100,000, $250,000, $500,000 or $1,000,000.
Deductible	$0, $100, $250, $500, $1,000, $2,500, $5,000	$0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
Coverage days	Coverage from 5 days to 364 days (about 12 months)	Coverage from 5 days to 364 days (about 12 months)
Coinsurance	100% up to the Policy Maximum	After the deductible, 90% of the first $2,500 then 100% up to the Policy Maximum
Provider	Trawick International	Trawick International
Brochure	View	View
Plan Page	View Plan Page	View Plan Page
Ratings	A.M Best rating “A”	A.M Best rating “A”
Plan Features
Hospital room and board	Up to the selected medical max	Up to the Selected Medical Maximum
Local ambulance	Included	Included
Intensive Care Unit	Up to policy maximum	Up to policy maximum
Well Doctor Visit	$125; One visit per policy period	Up to $125; One Visit per policy period
Pregnancy	Up to $1,000 per policy period for emergency medical treatment.	Up to $1,000 per policy period for emergency medical treatment.
Pre-existing conditions	After 48hrs of plan start; covers 1 acute episode per pre-existing condition provided (a) treatment is obtained within 24hrs of outbreak and (b) no change in pre-ex condition treatment after departing home-country; Non-Cardiac: covered up to plan medical max until 69yrs; $35K for ages 70 to 79yrs; $20K for over 79yrs  Cardiac & Stroke: Up to $25K until 69yrs; $15K for over 69yrs	Up to $1000 for unexpected recurrence of a pre-existing condition.
Emergency Medical Evacuation	100% Up to $2,000,000 per policy period.	100% up to $2,000,000 per Policy Period
Accidental Death and Dismemberment	Insured: $25,000 Principal Sum Spouse / Domestic Partner: $25,000 Principal Sum Dependent Child: $10,000 Principal Sum	Insured: $25,000 Principal Sum Spouse / Domestic Partner: $25,000 Principal Sum Dependent Child: $10,000 Principal Sum
Dental Treatment	Up to $250 for injury or pain to sound natural teeth.	Up to $250 for injury or pain to sound natural teeth.
Political Evacuation	$25,000 per policy period	$25,000 per policy period
Natural Disasters Evacuation	$10,000 per policy period	$10,000 per policy period
Mental/Nervous Disorder	Up to $2,500 per policy period	Up to $2,500 per policy period
Repatriation of Remains	100% up to $50,000 per policy period	100% up to $50,000 per Policy Period
Emergency Reunion	$15,000 per policy period	$15,000 per policy period
Return of Minor Children	$5,000 per policy period	$5,000 per policy period
Trip Interruption	$5,000 per policy period	$5,000 per policy period
Trip Delay	N/A	N/A
Lost Luggage	$1,000	$1,000
24/7 Emergency Assistance	Included	Included
Optional Upgrades	Return to Home Country Coverage, Accidental Death & Dismemberment and Sports Activity Coverage	24 AD&D, Athletic Sports Coverage, and Home Country/Follow Me Home Coverage

About Safe Travels USA Comprehensive 

If you are looking for a comprehensive plan to protect you financially in the US, Safe Travels USA Comprehensive it is! The plan is not available to US citizens or residents or Green Card Holders in the US. It can be purchased for individuals of 14 days (about 2 weeks) old to 90 years of age. 

The plan highlights: 

• Insurance for medical accidents and sickness up to $1,000,000. 
• The plan covers emergency medical and political evacuation, repatriation of remains, and AD&D. 
• The plans offer trip benefits like trip interruption and lost baggage. 
• COVID-19 is covered and treated as any other sickness. 
• $125 Doctor Wellness Visit Benefit. 
• 1 episode for an Acute Onset of a Pre-Existing Medical Condition for ages under 69 years. 
• Coverage from 5 days to 364 days (about 12 months). 
• Optional Athletic sports coverage, Return to home, AD&D upgrade available. 

About Safe Travels USA 

Safe Travels USA Insurance is yet another comprehensive insurance plan meant for  non-U.S. residents and non-U.S. citizens, traveling to the USA or USA and then other countries. This plan is not designed for US residents and citizens and Green Card Holders in the US. 

The plan highlights: 

• Insurance for medical accident and sickness up to $1,000,000 
• The plan covers trip interruption and lost baggage. 
• COVID-19 expenses are covered and treated as any other sickness. 
• $125 Doctor Wellness Visit Benefit. 
• Covers up to $1000 for an unexpected recurrence of a pre-existing condition.  
• Coverage from 5 days to 364 days (about 12 months)  
• Optional coverage for Athletic sports coverage and home country coverage available. 

About the Insurance provider 

Trawick International®, a trusted name in travel insurance since 1998, offers comprehensive coverage for every traveler. Whether you are a non-US citizen exploring the world, a visitor coming to the US, or an international student embarking on a study abroad adventure, Trawick has a plan for you. Trawick’s extensive network of healthcare providers ensures you have access to quality medical care if needed, anywhere in the world. This translates to peace of mind, allowing you to focus on creating lasting travel memories. 

FAQs 

1. What is Home Country Coverage in Safe Travels USA? 

Safe USA provides optional Return to Home Country coverage. If coverage is purchased, you may return to the Home Country for up to 60 days per 12 months of Coverage Purchased during the Policy Period for an Incidental Trip. If a Covered Injury or Illness occurs while on their Incidental Trip, this benefit will pay to the maximum as outlined in the Schedule of Benefits for covered medical expenses incurred during the Incidental Trip. To be eligible for an Incidental Trip the Covered Person’s Policy Period must be greater than 30 days in length. If the Covered Person does not return from their Incidental Trip on their scheduled return date, the Policy will be terminated on the date of their scheduled return from their Home Country. 

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

Safe Travels USA covers unexpected recurrence of a pre-existing condition up to $1000 per policy period. 

3. What transportation expenses does Safe Travels USA cover? 

Safe Travels USA covers transportation expenses like Ambulance Service, Emergency Medical Evacuation, Political Evacuation, Medically Necessary Repatriation, Natural Disasters Evacuation, Emergency Reunion, Return of Minor Children, and Repatriation of Mortal Remains. 

4. Who is eligible to buy the Safe Travels USA plan? 

Safe Travels USA provides coverage to non-U.S. residents and non-U.S. citizens, traveling to the USA or USA and then other countries. This policy is not available to anyone age 90 or above. 

5. Does Safe Travels USA Comprehensive cover pre-existing conditions? 

The plan includes coverage for one episode of an acute onset of pre-existing condition.  For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000.

6. Who is eligible to buy Safe Travels USA Comprehensive? 

This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the US, or to visit a combination of the US and other countries worldwide. This policy is not available to anyone age 90 or above. This policy is not available to any individual who has been residing within the US for more than 365 days (about 12 months) prior to their effective date. 

Conclusion 

The right plan depends on your risk tolerance and travel style. Consider your budget, desired coverage level, and potential trip disruptions to select the Safe Travels plan that safeguards your US adventure. Remember, peace of mind is priceless, and having the right travel insurance can ensure a smooth and worry-free journey. 

For more information, contact Visitor Guard®.