Visitors Care Vs. Safe Travels Elite: A Detailed Comparison 

Choosing the right travel insurance plan can significantly impact your international travel experience, particularly for visitors to the United States. Among the many options available, two popular fixed-benefit plans stand out: Visitors Care and Safe Travels Elite. Both plans are designed to provide medical coverage up to specified sub-limits, but they vary in features, eligibility criteria, coverage options, and additional benefits. This comprehensive comparison will help you decide which plan suits your travel needs. 

Let us look at the detailed comparison between the two policies. 

Table of Contents: 

• Visitors Care- Plan Highlights 

• Safe Travels Elite- Plan Highlights 

• Comparison between Visitors Care Vs. Safe Travels Elite 

• FAQs 

• Conclusion 

Visitors Care- Plan Highlights 

Visitors Care is a fixed-benefit plan available to non-US citizens and residents visiting the US. The plan offers fixed-benefit coverage for medical expenses related to injuries and illnesses, including hospitalization, surgery, doctor visits, and prescriptions up to a certain limit. It also includes coverage for evacuation and repatriation. Coverage is provided within the United States. 

Plan highlights: 

• The plan offers three levels of coverage- Lite, Plus, and Platinum 
• Covers Acute Onset of Pre-Existing Conditions:  
• Lite: Up to $25,000 per coverage period. 
• Plus: Up to $50,000 per coverage period. 
• Platinum: Up to $100,000 per coverage period. 
• Deductible options:  $0, $50, $100 
• Maximum Coverage limits:  $25,000, $50,000, and $100,000 per illness/injury 

 Additional Benefits: 

• Dental accident coverage: Up to $550 per coverage period. 
• Urgent care and walk-in clinic visits: Coverage ranges from $40 (Lite) to $85 (Platinum), with a maximum of 10 visits per coverage period. 

IMG- the provider 

IMG Global is a leading provider of travel insurance, offering fixed benefit plans as well as a range of comprehensive coverage options for international travelers, expatriates, and those seeking short-term or long-term medical protection abroad. Their plans include travel medical insurance, trip-related benefits, evacuation, and repatriation, ensuring peace of mind for those visiting or living outside their home countries. Known for its reliable customer service and extensive network of medical providers worldwide, IMG Global is a trusted choice for individuals looking to stay protected during international travel. 

Safe Travels Elite- Plan Highlights 

Safe Travels Elite is another fixed-benefit plan tailored for non-US citizens visiting the US and other countries.   The plan provides coverage outside the home country for travelers visiting the US and countries worldwide, but the insured must arrive in the US before traveling to other countries. It offers coverage for medical illnesses, accidents, COVID-19, acute onset of pre-existing conditions, medical evacuation, repatriation, and more with the pre-defined sub-limits. 

Plan highlights: 

• Coverage Levels: Seven Tiers: – Elite Economy, Elite Basic, Elite Silver, Elite Gold, Elite Platinum, Elite Diamond, Elite Diamond Plus. 
• Age Eligibility: Covers individuals from age 0 to 89 (depending on the plan) 
• Deductible options: $0, $100, $200 (depending on the plan) 

 Policy Maximums: 

• Ranges from $25,000 to $175,000 per incident (Economy to Platinum tiers). 
• $50,000 or $100,000 annual maximum for Diamond and Diamond Plus tiers. 

Additional Benefits: 

• Mental or nervous disorders: Up to $5,000 per incident. 
• Well doctor visit: $125 for one visit. 
• Imaging (e.g., MRI, PET scans): Coverage ranges from $650 to $1,300 per incident, depending on the tier.  
• Physician visit options- $55, $75,  $100, and $130 (depending on the plan)  

Insurance Provider: Trawick International 

Trawick International specializes in travel insurance, offering customizable plans for tourists, expatriates, students, and business travelers. Known for excellent customer service and comprehensive coverage for medical emergencies, trip-related benefits, evacuation, and more, Trawick International is a trusted provider in the travel insurance market.

Comparison between Visitors Care Vs Safe Travels Elite 

Category	Visitors Care	Safe Travels Elite
Plan type	Fixed	Fixed
Benefits	Covers inpatient and outpatient services, acute onset of non-chronic pre-existing conditions, urgent care, intensive care unit, specialist consultation, doctor’s visit, medical evacuation, repatriation, COVID-19, and more.	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 residents and citizens	Non-US residents and citizens
Underwriter	Sirius Point Specialty Insurance Corporation	Zurich Insurance Europe AG
PPO	First Health Network	No PPO, you can go to any hospital or doctor
Policy Maximum	$25,000 (Lite), $50,000 (Plus), and $100,000 (Platinum) per injury/illness for all levels of coverage	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, and $100	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	5 days up to 2 years	5 days up to 364 days
Provider	International Medical Group	Trawick International
Ratings	A.M. Best Rating: A –	A.M. Best Rating: A
Brochure	View	View
Plan page	View Plan Page	View Plan Page
Plan features
Hospital room and board	Up to 30 days maximum per period of coverage with sub limits of: Lite- Up to $825 max per day Plus- Up to $1,400 max per day Platinum- Up to $2,000 max per day.	Up to 30 days maximum per period of coverage with sub limits of: Economy: $1,400/day (Basic, Silver, Gold: $2,000/day Platinum: $3,000/day Diamond and Diamond Plus: $1,500/day (15-day max.)
Intensive Care Unit	8 days maximum coverage per period with sub limits of: Lite- Up to an additional $400 max per day; Plus- Up to an additional $660 max per day; Platinum- Up to an additional $850 max per day	Economy: $2,100/day (10-day max.) Basic: $2,500/day (10-day max.) Silver: $2,500/day (8-day max.) Gold: $3,000/day (8-day max.) Platinum: $4,500/day (8-day max.) Diamond: $2,300/day (8-day max.) Diamond Plus: $2,300/day (8-day max.)
Physician Visit	30 max visits per period of coverage with sub limits of: Lite- $40 max per visit; Plus- $60 max per visit; Platinum- $85 max per visit. plans.	1 visit per day; 30 max visits with sub limits of: Economy: $55/visit Basic and Silver: $75/visit Gold: $100/visit Platinum: $130/visit Diamond and Diamond Plus: $75/visit
Surgery	Lite- Up to $2,000 max per surgical session, Plus- Up to $3,300 max per surgical session, Platinum- Up to $5,500 max per surgical session	Economy: $3,500 per Incident Basic and Silver: $5,000 per Incident Gold: $6,000 per Incident Platinum: $7,500 per Incident Diamond and Diamond Plus: $3,500 per Incident
Local ambulance	Lite- Up to $250 max per period of coverage, Plus- Up to $450 max per period of coverage, Platinum- Up to $475 max per period of coverage	Economy: $500 per incident Basic, Silver, Gold, Diamond, and Diamond Plus: $650 per incident Platinum: $750 per incident
Acute onset of pre-existing conditions	Lite- $25,000 max per coverage period, Plus- $50,000 max per coverage period, Platinum- $100,000 max per coverage period. $25,000 max per period of coverage for emergency medical evacuation related to acute onset for all plans.	For Economy, Basic, Silver, Gold, and Platinum plans- up to chosen Policy Maximum; Coverage related to Cardiac Conditions or Stroke are limited to $25,000. For Diamond and Diamond Plus plans- $25,000 (ages 70-79), $15,000 (ages 80+) Coverage related to Cardiac Conditions or Stroke are limited to $15,000
Dental accident	$550 maximum per period of coverage for all plans	Basic: $600 per Incident Others: $750 per Incident
COVID-19	Covered as any other illness	Covered as any other illness
Mental or Nervous Disorders	Not Covered	$5,000 per Incident Platinum: $20,000 per Incident (30-day max.)
Emergency Medical Evacuation	Lite- Up to $25,000 max, Plus- Up to $50,000 max, Platinum- Up to $50,000 max	Economy, Basic, Silver: $100,000 Gold and Platinum: Unlimited Diamond and Diamond Plus: $50,000 ($25,000 lifetime) Maximum for Acute Onset over age of 80)
Repatriation of remains	$25,000 max; $5,000 max for cremation /burial for all three plans	Economy & Basic: $7,500 Silver: $10,000 Gold: $20,000 Platinum: $25,000 Diamond and Diamond Plus: $7,500
Terrorism	Lite- $50,000 max, Plus- $50,000 max, Platinum- $50,000 max per period of coverage	N/A
Common Carrier Accidental Death	$25,000 max for all three plans	Economy & Basic: $25,000 Silver, Gold & Platinum: $35,000 Diamond and Diamond Plus: N/A
Incidental trip	14 days maximum	N/A

FAQs 

Visitors Care- FAQs 

Who can buy a Visitors Care plan? 

Visitors Care Medical Insurance is available to non-US citizens or non-US residents who are visiting the US. The plan is not available to US Citizens, US Residents, or Green Card holders living in the US.  To be eligible and qualified for coverage under this insurance, a person must meet all the following requirements: 

• (1) not be a Habitual Resident of the United States  
• (2) not be a citizen of the Destination Country  
• (3) be at least fourteen (14) days old and less than seventy-nine (79) years of age  
• (4) complete and sign an Application as the Insured Person (or be listed thereon by proxy as an applicant and proposed Insured Person), and/or as the Insured Person’s Spouse, Child, and/or Grandchild 
• (5) pay the required Premium on or before the Effective Date of Coverage  
• (6) receive written acceptance of their application, renewal, or extension from the Company  
• (7) on the Effective Date and on subsequent renewal dates, must have legally departed the Country of Residence and legally entered or in transit to the Destination Country  
• Once the Insured Person and/or Spouse reaches the age eighty (80) and at the time of their renewal, the Period of Coverage limit will be reflective of their new age range as listed in the BENEFIT SUMMARY. 

Does the plan cover pre-existing conditions? 

No, the plan does not include coverage for pre-existing conditions. The plan however includes coverage for an acute onset of pre-existing conditions for insured members below the age of 70 years up to a certain pre-defined limit:  

Lite- 25,000  Plus- $50,000, Platinum- $100,000 max per coverage period.  

Check the brochure to know in detail. 

Does the plan offer trip-related benefits? 

No, the Visitors Care plan has no trip-related benefits. 

Can the plan be extended? 

Visitors Care plans can be purchased for up to a 12-month period and can be extended up to a maximum of 24 continuous months. Renewals are available in daily increments and may be completed online.

Who is the network provider? 

Visitors in the US can go to the First Health Network, which gives  access to 5,000 hospitals, 90,000 ancillary facilities, and 1 million healthcare professional service locations. 

Safe Travels Elite- FAQs 

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. 

What are the transportation services offered by the plan? 

The plan offers transportation services like Ambulance Benefits, Emergency Medical Evacuation, Medically Necessary Repatriation, Political Evacuation, Natural Disaster Evacuation, Return of Minor Children or Grandchildren, Repatriation of Mortal Remains, and Local Burial/Cremation. Check the brochure to know the coverage details. 

What are the additional benefits and services offered? 

Common Carrier Accidental Death & Dismemberment (AD&D) and Felonious Assault AD&D are the additional benefits. Telemedicine and Travel Assistance are the additional services. 

What is the cancellation and refund process? 

Full cancellation and refund will only be considered if a written request is made prior to or on the Effective Date of the Coverage. If the written request for cancellation and refund is made after the Effective Date of Coverage, a partial cancellation and refund may be allowed with a cancellation fee if there are no claims. There can be certain conditions applied, hence, check the plan’s certificate for more clarity. 

Conclusion 

 Both Visitors Care and Safe Travels Elite provide fixed-benefit travel insurance options for non-U.S. citizens visiting the United States. 

• Choose Visitors Care if you prefer affordable premiums, limited but essential benefits, and coverage options up to $100,000. 
• Opt for Safe Travels Elite if you need a wider range of coverage levels, additional benefits like mental health coverage, or higher policy maximums up to $175,000. 

Evaluate your travel needs, budget, and risk factors carefully to select the plan that offers the best protection during your visit to the U.S.  If you are not sure which plan to buy and suits the best, give Visitor Guard® a call on (804) 325-1385.