Safe Travels USA Comprehensive
- AM Best Rating
- A (Excellent)
- Trawick International
C&F Crum & Forster
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 80% of the first $5,000, then 100% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Medical Coverage During Travel
Renewable & Cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
- Not available if home country is: Nigeria or Antartica
Safe Travels USA Comprehensive insurance is a visitor insurance plan that provides medical coverage and emergency services to individuals /families/groups, traveling to USA . Within the PPO network, after the deductible is satisfied, the plan pays 100% up to the policy maximum. Outside of the PPO network, 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.
Dr. / Physician Visit
Prescription Drugs / Medicines
Lab & X-rays
Hospital Intensive Care Unit
Acute, spontaneous and unexpected pain
Emergency Medical Evacuation / Repatriation
Return of Remains
Return of minor Child(ren)
Loss of checked Baggage
Common Carrier Accidental Death
Local Burial or Cremation
General Physical full Checkup
24-Hrs Emergency Assistance
Plan Administrator Company
Carrier / Underwriter
C&F Crum & Forster
AM Best Rating
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.
Comprehensive Coverage Plan Percentage based coverage.
Coverage in U.S.A.
Coverage outside U.S.A.
$30 co-pay for urgent care visits. If selected deductible is $0, then co-pay is waived.
How the Benefits are Paid
After the deductible, the plan pays 100% in network, up to the policy maximum. Out of network, the plan pays 80% of the first $5,000 of eligible expenses; then 100% after that.
Life Time of the policy
Per Certificate Period
Yes, Up to 2 years(only with initial purchase of minimum 90 days)
- 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)
5 days - 1 year
Can be extended up to 2 years
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per member per certificate period
Age 65 and above with policy maximum of $100,000: $250, $500, $1,000, $2,500, $5,000
For below 65 age group: $50,000, $100,000, $250,000, $500,000 , $1,000,000
For ages 65 to 79: $50,000, $100,000
For ages 80-89: $50,000
By Provider, Toll Free: 888-301-9289 ,Direct: 251-661-0924
Home Country Definition
The country where the covered person has his/her true, fixed, permanent home and principal establishment.
US States Restrictions
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.
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 Comprehensive 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 sports 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 Safe Travels USA Comprehensive, 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?
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
Q15: Does Safe Travels cover coronavirus?
Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub.
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.