- Comprehensive coverage plan
- Coverage from 5 days to 2 years
- Renewable and Cancelable
- PPO network (See list of doctors and hospitals)
- Covers during International Travel
- Unexpected recurrence of a pre-existing condition up to the policy maximum
Safe Travels USA Comprehensive insurance is a visitor insurance plan that provides medical coverage and emergency services to individuals /families/groups, traveling to USA . After the deductible is satisfied, the plan pays 80% for the first $5,000 and then 100% thereafter towards eligible covered expenses for each sickness or injury.
Please review Safe Travels USA Comprehensive Insurance Brochure or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Travel Medical Insurance Plan for international traveler traveling to USA.Here is a complete list of benefits of Safe Travels USA Comprehensive
100% covered thereafter
100% covered thereafter
100% covered thereafter
100% covered thereafter
- US States Restrictions No Restriction
- Country Restrictions No Restriction
- The country where the covered person has his/her true, fixed, permanent home and principal establishment.
- Coverage in U.S.A. Covered
- Coverage outside U.S.A. Not Covered
5days -1 year
Can be extended up to 2 years
|Plan Administrator Company||Trawick International|
|Carrier / Underwriter||GBG Insurance Limited|
|Eligibility||Can be purchased by anyone traveling outside of their home country on a legal status and at least one of their destination countries is the United States. Non-United States citizens or any visa holders (e.g. L/H/B1/B2, etc.) are eligible.|
|Plan Type||Comprehensive Coverage Plan Percentage based coverage.|
|AM Best Rating||B+|
|Coverage in U.S.A.||Covered|
|Coverage outside U.S.A.||Not Covered|
|Travel Coverage|| First: 20% for first $5,000 |
Then: 0% up to Policy Maximum.
|How the Benefits are Paid||After the deductible, the program pays 80% of the first $5,000 of eligible expenses; then it pays 100% up to the Policy Maximum.|
|Coverage Type||Life Time of the policy|
|Deductible Type||Per Certificate Period|
|Renewability||Yes, Up to 2 years(only with initial purchase of minimum 90 days)|
|Cancellation|| Yes. |
- Full refund available if cancelled before start date.
- Pro-rated refund available after start date if no claims have been made ($10 Cancellation Fee Apply)
|PPO Network||PPO Network|
|Coverage Length|| 5days -1 year |
Can be extended up to 2 years
|Available Deductibles||$0, $50, $100, $250, $500, $1000, $2500, $5000 per member per certificate period|
|Available Coverage|| For below 65 age group: $50,000, $100,000, $250,000, $500,000 , $1000,000 |
For 65 and above age group: $50,000
|Provider Directory|| By Provider, Toll Free: 888-301-9289 ,Direct: 251-661-0924 |
|Plan Brochure||Safe Travels USA Comprehensive Insurance Brochure|
|Home Country Definition||The country where the covered person has his/her true, fixed, permanent home and principal establishment.|
|US States Restrictions||No Restriction|
|Country Restrictions||No Restriction|
Safe Travels USA Comprehensive Plan FAQs
Q1: Am I eligible for the Safe Travels USA Comprehensive Plan?
The Safe Travels USA Comprehensive Plan is available for any non-US citizen or Resident, visiting the USA and anywhere outside their home country, for a short period of time. It is not available for US citizens, US Green Card Holders or long term visa holders, who pay taxes in the USA.
Q2.What Information do I need to buy the Plan?
You would need the names, dates of birth, passport numbers of the visitors, the visitor's home country address and a valid credit card to buy the plan.
Q3: When will I receive my ID card?
You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. Nothing is sent to the mailing address in the home country.
Q4.Can I renew the plan, if I plan to stay longer?
Yes, if you buy the plan initially for more than 5 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal charge.
Q5.Can I cancel the plan, if I plan to go back earlier?
Yes, you can cancel and get a refund for the Safe Travels USA Comprehensive Plan, if you need to go back earlier than planned. The following rules apply:
Q6.Are pre-existing conditions covered by the Safe Travels USA Cost Saver Plan?
Pre-existing conditions are not covered in the Safe Travels USA Comprehensive Plan. However it does cover for an acute onset of pre-existing conditions
Q7.What is an acute onset of pre-existing condition?
An acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition.
Q8.Are adventure Sports Covered in the Safe Travels USA Comprehensive Plan?
Adventure or extreme spots like skiing,Sky diving,Mountain biking, rafting etc are not covered in the Safe Travels USA Comprehensive Plan. It offers optional coverage only for some specific athletic sports.
Q9. What is the Athletic Sports riders options?
Athletic Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Athletic Sports Rider Coverage with the Safe Travels USA Comprehensive Plan. There are two classes of sports specified in plan for optional coverage. Class 1 and Class 2.
Please check the Plan Brochure to understand what is covered under the optional Athletic Sports Coverage .
Q10: Which doctor or hospital can I go to?
You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Patriot America Plan, which is the FirstHealth PPO Network.
You can search for doctors or hospitals in this Provider Directory.
Q11: How do I use this insurance?
Please refer to the following article about the policy usage: How to use Visitor Insurance?
Q12: How do I file a claim?
Please refer to the following article concerning the claim process:
Q13: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?
Based on the desired coverage length you have selected, you have to make the full payment at once.
Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.
Q14: Where can I find answers to other questions I have?
Please refer to Visitors Insurance FAQs section.
Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information
Important renewal information about your Safe Travels USA Comprehensive Insurance:
- Safe Travels USA Comprehensive policy has the option for online extension of minimum 5 days to 2 years.
- It is recommended to renew your policy a day before the policy expiration date.
- Once the policy expired you no longer have the option for renewal. In such cases you may apply for a new policy.
- Premium may increase at renewal:
- Based on applicants age at the time of renewals.
- Rates are subject to change at underwriters discretion.
- Benefits may change based on the applicants age at the time of renewal.
Have the following information handy:
- Current I.D./Certificate number (Make sure you enter the certificate number as it is including the dash).
- Primary Insured's Birthdate.
(Date of birth should be entered as mm/dd/yyyy)
- Credit Card Information.
Safe Travels USA - Comprehensive travel medical insurance policy can be cancelled after purchasing the policy.
A written request is required for all cancellations. The Following rules apply:
If cancelled before the Effective Date
- You can get a full refund if the cancellation is done before the coverage begins (i.e. before the policy effective date).
If cancelled after the Effective Date
- After start date of policy, refund is available only if there is no visit to the doctor/ provider and there is no claim on file.
- Only Full Month refund is available, if no claim has been filed.
For example: if you buy a policy for a period of 3 months and 20 days, starting for 1st Jan to end on 20 April, and cancel the policy on 15th of January, you would get the refund back from February 1st to April 1st.
- A $25 cancellation fee is applicable
- No refund available if there is a claim on file
- Any refund amount, if any, will be refunded back same way it was paid, so if you have made the payment using the credit card, the refund goes back to the same credit card.
- Refund may take 7 to 10 business days for processing.
How to Cancel
Policy holder should make a written request to cancel the policy. The written can sent via email.
Send an email to: email@example.com
With the subject line: Request for Cancellation, Policy # [provide the policy number]
Include complete details including policy number, date of purchase, and the reason for plan cancellation. Upon receipt of this information we will initiate the policy cancellation with the insurance company. Please allow 7-10 business days to process the cancellation.
NOTE: Add the following authorization, if you are not the policy holder yourself and communicating on behalf of the policy holder.
"I am son/daughter of the insured and have the authorization from the insured to cancel the insurance coverage. Since the Insured does not have access to communications to provide a written request for cancellation as required I am making this request on behalf of the insured."