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

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

The importance of buying a travel insurance plan while visiting the US cannot be ignored anymore. It covers medical costs, treatment, and related expenses that can otherwise cripple you financially. A comprehensive travel medical insurance plan can protect you up to the chosen policy maximum in the US. Travelers look for a robust insurance policy that can temporarily cover them and secure them financially abroad. Though there are plenty of insurance plans available, Safe Travels USA Comprehensive and Visitors Protect are quite popular among visitors. 

Here is a detailed comparison between the two policies: 

Safe Travels USA Comprehensive 

Safe Travels USA Comprehensive is a comprehensive health insurance plan designed for visitors traveling to the US for leisure or work. It covers eligible medical expenses, hospital stays, doctor’s visit, emergency medical evacuation, accidental death and dismemberment, coronavirus treatment (like any other eligible illness), acute onset of pre-existing conditions, and more. It also offers coverage to athletic sports with an extra premium. 

About Trawick International® 

Trawick International® is a leading travel insurance provider in the US, offering visitor medical insurance, trip protection and cancellation insurance solutions to visitors coming to the US. The company was founded in 1998 and since then it has implemented innovative travel insurance products for global travelers. Safe Travel Plans are part of Trawick International®. 

The plan highlights: 

  • Coverage for in-patient and out-patient medical accidents & illnesses with options up to $1 million to choose from. 
  • 1 acute episode per pre-existing condition is covered. 
  • $125 doctor wellness visit benefit. 
  • Coverage from 5 days to 364 days (about 12 months) – extensions are available. 
  • $0, $100, $250, $500, $1,000, $2,500, $5,000 are deductible options. 
  • Optional upgrades for sports activity, return to home country, and AD&D (Accidental Death & Dismemberment). 
  • COVID-19 is treated like any other illness. 
  • Up to $1,000 for emergency medical treatment of pregnancy. 
  • $25,000 for political evacuation and $10,000 for natural disaster evacuation. 
  • Trip interruption and lost baggage benefits are included. 
  • Up to $250 for injury/pain for dental treatment. 

Visitors Protect 

Visitors Protect is a popular travel medical insurance plan that offers limited coverage, including pre-existing conditions, for visitors coming to the US, Canada, and Mexico. It offers coverage to individuals and families seeking temporary coverage during their stay while at leisure or work. It offers coverage to eligible medical expenses, urgent care clinics, walk-in clinics, emergency rooms, hospitalization, intensive care, diagnostics, and more. It has no optional coverage for athletic sports and hazardous activities. 

About International Medical Group (IMG) 

International Medical Group (IMG) offers several plans to protect US visitors. Moreover, it has a range of policies for J visa Exchange Visitors, Expats, and International Students. Over the years, the company has established several subsidiaries to best serve our unique clients. With offices and partners across the globe, it has provided global support to its members. Visitors Protect is a part of IMG. 

The plan highlights: 

  • Coverage for in-patient and out-patient medical accidents & illnesses of $50,000, $100,000, or $250,000. 
  • The choice of deductibles ranges from $250, $500, $1,000, $2,500, to $5,000 per insured person. 
  • Includes temporary medical coverage, including pre-existing conditions, with a deductible of $1,500 per injury/illness. 
  • CareClix Consultation is covered. 
  • COVID-19 is treated like any other illness. 
  • The plan offers coverage from 90 days (about 3 months) up to 12 months. 
  • $25,000 maximum limit for emergency medical evacuation and AD&D, respectively.  
  • $100,000 maximum limit for an emergency reunion. 
  • In-patient and out-patient physical therapy. 
  • Up to $300 for dental treatment. 

A quick comparison between the two plans: 

Category Safe Travels USA Comprehensive Visitors Protect
Plan type Comprehensive Comprehensive
Plan Benefits Coverage for in-patient and out-patient medical accidents & illness with choices up to $1 million, acute onset of pre-existing condition, COVID-19, evacuation, repatriation of remains, trip interruption, baggage, AD&D. Optional coverage to athletic sports. Coverage options for in-patient and out-patient medical accidents & illnesses with choices of $50,000, $100,000, or $250,000 for individuals under 69 and $50,000 for above 70 years. Covers medical evacuation, emergency reunion, repatriation of remains, AD&D etc.
Eligibility Non-US citizens who reside outside the USA 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 Non-US citizens, nationals, and green card holders needing coverage outside their country of residence visiting the US, Mexico, or Canada Insured individual must be between 14 days (about 2 weeks) to 99 years
Coverage area The United States and worldwide The United States, Canada, and Mexico
Underwriter Crum and ForsterSirius Point Speciality Insurance Corporation
PPO network First Health PPO NetworkUnited Healthcare PPO network inside the US and IPA network outside the US
Policy maximum Up to age 65 years: $50,000, $100,000, $250,000, $500,000, or $1,000,000 ; Ages 65 to 79 years: $50,000 or $100,000 Above 80 years 80: $50,000;. Up to age 69: $50,000, $100,000, or $250,000 Ages 70 and older: $50,000
Deductible $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 Annual$250, $500, $1,000, $2,500, or $5,000 per insured person per injury/illness.
Coverage days Coverage from 5 days to 364 days (about 12 months) Coverage for at least 90 days (3 months) and a maximum of 12 months.
Co-insurance Plan pays 100% In-network and Out-of-network, up to the Policy MaximumIn-network: Plan pays 75%, and the insured pays 25%. Out-of-network: Plan pays 60%, and the insured pays 40%.
Provider Trawick InternationalInternational Medical Group (IMG)
Brochure ViewView
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 sickness up to $1,000,000. Insurance for medical accidents & illnesses up to $250,000
Local ambulance 100% 75% in-network and 60% out-of-network
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. Temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit up to age 69 is $25,000, and ages 70 and older is $20,000.
COVID-19 CoveredCovered
Hospital room and board Up to the selected policy medical maximum for semi-private room rate. 75% in-network and 60% out-of-network
Intensive care Up to the selected policy medical maximum 75% in-network and 60% out-of-network
PregnancyUp to $1000 for emergency medical treatment of pregnancy. Emergency medical treatment of pregnancy requiring hospitalization to stabilize the insured individual to prevent loss of life and limb. This does not include pre-natal, delivery, post-natal, or extended care.
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 Maximum limit: $25,000. 100% covered in- and out-of-network. Must be approved in advance and coordinated by the company.
Accidental Death & Dismemberment Insured: $25,000 Principal Sum Spouse / Domestic Partner: $25,000 Principal Sum Dependent Child: $10,000 Principal Sum. Principal sum maximum limit: $25,000. Death must occur within 90 days (about 3 months) of the accident. Sight of one eye: 50% One hand or one foot: 50% One hand and the loss of sight of one eye: 100% One foot and the loss of sight of one eye: 100% One hand and one foot: 100% Both hands, or both feet: 100% Sight of both eyes: 100%
Dental treatment Up to $250 for injury or pain to sound natural teeth Up to $300 for unexpected pain or treatment to sound natural teeth due to an accident.
Emergency reunion $15,000 $100,000
Mental or nervous disorders $2,500 per policy period N/A
Trip interruption $5,000 per policy period N/A
Lost luggage Up to $75 per article; $1000 maximum N/A
Return of minor children $5,000 per policy period Maximum limit: $100,000. Approved in advance by the company.
Repatriation of remains 100% up to $50,000 per Policy Period Maximum Limit: $25,000, Local burial/cremation maximum limit: $5,000, Approved in advance by the company
Special features Optional upgrades to Follow Me Home/Home country Rider, adventure sports travel Coverage, 24 Hour AD&D. CareClix Consultation is covered. It does not include pre-existing, mental, or nervous disorders consultation.
  • Refer to the Brochure for latest benefits.

Safe Travels USA Comprehensive- FAQs

Yes, Safe Travels USA Comprehensive is underwritten by Crum and Forster and is rated A “Excellent” by AM Best Rating. 

The plan participates in First Health PPO Network, which is a widely recognized network in the US. 

No. The plan does not cover pre-existing condition, but  1 acute episode per pre-existing condition can be covered up to policy medical max for non-cardiac ($25,000 limit for cardiac) conditions for 69 years & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70 years & above. 

No. This plan is not available to US Citizens, US Residents, or green cardholders in the US. 

Yes. The plan has trip interruption and baggage loss benefits included. 

Visitors Protect- FAQs

The Visitors Protect plan is designed specifically for individuals and families traveling from their home country to the US, Canada, and Mexico. 

Yes. The plan offers limited temporary coverage for pre-existing conditions with deductible $1,500 per injury/illness. 

Yes. The plan is underwritten by Sirius Point Insurance Corporation and is rated A- Excellent by AM Best. 

No. The plan can be bought for a minimum of 90 days (about 3 months) to 12 months and is not extendable. You will have to buy the plan for the entire number of days you need coverage as it cannot be renewed.  

Members receive a full refund before the Effective Date of Coverage. 

After the effective date of the policy, the insured person may request cancellation by sending or written request to the company by e-mail mail or fax however the following conditions apply for premium refund:  

1. If any claims have been filed with the company the premium is fully owned and is non- refundable 

2. if no claims have been filed with the company  

a) a cancellation fee of fifty ($50 USD) will be charged. 

b) only premium covering time periods after the after cancellation are refundable. 

Are you ready to buy a plan? 

Visitors coming to the US can buy Safe Travels USA Comprehensive or Visitors Protect. Depending on your requirements, if you prefer coverage for pre-existing conditions, you can opt for Visitors Protect while if you are looking for some coverage to cover an acute onset of a pre-existing condition, you can consider the Safe Travel USA Comprehensive. Both are comprehensive plans and offer exclusive benefits to insured individuals and groups. If you need help in choosing the best plan for your visit to the US, call us. 

Pallavi Sadekar

Pallavi Sadekar

Travel Insurance Expert

Pallavi Sadekar is a seasoned insurance professional with over 17 years of experience in the industry. As the Head of Operations at Visitor Guard®, she brings a wealth of expertise to the field. With a profound understanding of insurance, Pallavi has consistently demonstrated her commitment to helping clients make informed decisions about their coverage.

Pallavi’s insights and advice has earned her recognition in esteemed publications, including Forbes, USA Today, and various online platforms. Her contributions to these outlets have solidified her reputation as a trusted authority in the insurance domain. Whether it’s navigating the complexities of visitor insurance, finding the right coverage for clients, or understanding the intricacies of visitor health insurance, Pallavi’s in-depth knowledge allows her to offer practical and informed guidance to her clients.

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