Our Virtual Travel Insurance Assistant Luna is ready to assist you 24/7 and will have answers to many of your questions.
Travel trends and safety tips
Helpful resources for understanding travel insurance better
Everything you need to know about travel insurance claims
Safe Travels USA - Cost Saver is an A rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 364 days. While in the U.S, after the deductible is satisfied, the plan will pay 80% of the first $5,000 of eligible medical expenses then 100% thereafter. Learn more about how Safe Travels USA - Cost Saver works.
Safe Travels USA - Cost Saver does not offer coverage for COVID-19.
Safe Travels USA - Cost Saver does not cover Pre-Existing medical conditions. Please review Safe Travels USA - Cost Saver policy documents for complete coverage and exclusions.
After the deductible, plan pays 80% of eligible medical expenses up to $5,000, then 100% thereafter within the United Healthcare PPO network and outside the PPO network
After deductible, 80% of first $5,000, 100% thereafter
See How Safe Travels USA - Cost Saver Works.
After deductible, insurance pays 80% of first $5000
Then
Insurance pays 100% up to policy maximum
The PPO provider for Safe Travels USA - Cost Saver Insurance is United Healthcare, a network recognized by all major hospitals and healthcare facilities.
When visiting a healthcare facility, remember to mention United Healthcare as your PPO provider. Safe Travels USA - Cost Saver policy holders should visit providers listed within the United Healthcare directory to take advantage of in-network benefits.
There is no PPO network outside the United States. If your plan allows for coverage outside of the United States, you can visit any doctor or hospital.
Medical coverage details.
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions:
Please review your policy document for any other limits or exclusions.
Medical treatment that does not include an overnight stay at a hospital.
Medical treatment that includes an overnight stay at a hospital.
Hospital emergency services (certain limits may apply).
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
Travel-related coverage
Other types of coverage not mentioned above.
What is not covered
Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.
Sign in to your accountThe Safe Travels USA Cost Saver plan is available for any non-US citizen or resident, including green card holders, visiting the USA for a short period of time. It is not available for US citizens, or long-term visa holders who pay taxes in the USA.
You will need names, date(s) of birth, home country address, and a valid credit 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.
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 Cost Saver Plan, which is the United Healthcare PPO Network.
You can search for doctors or hospitals in this Provider Directory.
Yes, if you buy the plan initially for more than 5 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires.
Yes, you can cancel and get a refund for the Safe Travels USA Cost Saver Plan, if you need to go back earlier than planned. The following rules apply:
You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms.
Pre-existing conditions are not covered in the Safe Travels USA Cost Saver Plan. It covers only up to $1,000 for an unexpected recurrence of pre-existing conditions. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition.
An unexpected recurrence 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 unexpected recurrence of pre-existing condition.
Adventure or extreme sports like skiing, sky diving, mountain biking, rafting etc are not covered in the Safe Travels USA-Cost Saver Plan. It offers optional coverage only for some specific athletic sports.
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-Cost Saver 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 .
Please refer to the following article about the policy usage: How to use Visitor Insurance?
Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process
Based on the desired coverage length you have selected, you have to make the full payment at once.
Since this plan is extendable you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension.
Coverage on the travel medical insurance plan will begin on the date of departure (12:01am CST) and once the traveler has left their home country. Coverage areas are anywhere outside one's' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country and at 12:01am CST the day after the last date of coverage.
If you go to an in-network provider, the deductible amount will be $0. Please keep in mind, if you go to an out-of network provider, you will have to fully satisfy the deductible chosen on your policy before the insurance company will pay for any eligible medical treatment and services.
Learn more from informative articles at Visitor Insurance Information 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
AI Assistant Safe Travels USA - Cost SaverAI assistant can help you find specific terms and details in the policy document.
Chat with LunaOur smart travel assistant, Luna, is ready to assist you 24/7. Get instant answers to your questions.
Disclaimer
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.
Add more protection to your trip for peace of mind. You will be able to select these optional add-on benefits during the checkout process.
Disclaimer:
Optional add-on benefits available on the plan and their pricing may change on the checkout page, based on the information provided on the application form.
