Safe Travels USA
- AM Best Rating
- A (Excellent)
- Trawick International
C&F Crum & Forster
After deductible, the plan pays 80% up to the policy maximum.
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Safe Travels USA insurance is a visitor insurance plan that provides medical coverage and emergency services to for non-US citizens and non-US residents, for traveling internationally, including the USA. After the deductible is satisfied, within the PPO Network, for all covered sickness or injury, the plan pays 100% up to the chosen policy maximum. Outside the PPO network, it pays 80% for the first $5,000 and then 100% thereafter towards eligible covered expenses.
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
Hazardous Sports Coverage
General Physical full Checkup
24-Hrs Emergency Assistance
Plan Administrator Company
Carrier / Underwriter
C&F Crum & Forster
AM Best Rating
Non-US citizens and non-US residents, traveling anywhere outside their home country including the USA.
In Network: $0
Out of Network: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Comprehensive Coverage Plan Percentage based coverage.
Coverage in U.S.A.
Coverage outside U.S.A.
$30 co-pay applies only to Urgent Care visits. Co pay is waived if $0 deductible is chosen in application
Within PPO Network: 100% covered up to policy maximum Outside PPO Network: First 20% up to $5,000, and then 100% up to policy maximum.
How the Benefits are Paid
After the deductible, within PPO network: The plan pays 100% of eligible expenses up to policy maximum.
After the deductible, outside PPO network: The program pays 80% of the first $10,000 of eligible expenses; then it pays 100% up to the policy maximum.
Lifetime of the policy
Choose between deductible based per policy period
Yes, has to be extended before the policy expires. Extension option available up to a maximum of 2 years.
Yes, only if cancellation request is received before the effective date.
5 days - 1 year
Can be renewed up to 2 years
$0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Age 14 days to 64 years: $50,000, $100,000, $250,000 $500,000 and $1,000,000
Ages: 70-79: $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 Insurance FAQs
Q1: Which doctor or hospital can I go to?
Q2: When will I receive my ID card?
The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. Additionally, you will be emailed the ID card that you can print and take to the doc/hospital. Also, when filling out the online application, you have the choice of getting supplemental information and ID card in the mail. If you would like to receive the ID card and plan details by mail then make sure to choose "yes" for mailed ID card. You should receive your insurance package at your mailing address within 5-10 business days of purchase.
Q3: Can I cancel the policy and get a refund after purchase?
If the policy is cancelled before the start date, a full refund is available. After start date, refund is available only if you do not need to visit the doctor, and there is no claim on file. A prorated refund for the unused number of days is refunded. A $25 cancellation fee applies.
Q4: Does this plan have travel coverage?
Yes, Safe Travels USA Insurance has on flight coverage from home country to the U.S. as well as back to home country. This coverage will only apply if the flight days fall during the plan effective dates. If applicable, make sure to select the start date when the insured leaves the home country (U.S. CST) and select the end date the day they arrive home country on the trip back (CST)
Q5: Do I have to pay upfront at the doctor's office or are they going to bill the insurance company directly?
The billing process is at the discretion of the provider. They can either ask the insured person to pay up front, or can bill the insurance company directly. Usually for bigger bills like hospitalization, surgery etc., they tend to bill the insurance company directly. For smaller situations, like a doctor consultation, they are more likely to ask the insured person to pay first. However, for any claims to be processed, the insured person has to follow the claim process and send in the claimant information form to the insurance company. This would be applicable even if the providers directly bill the insurance company.
Q6: How do I file a claim?
Please refer to the following article concerning the claim process:
Q7: What information do I need to purchase this plan?
Name(s), date(s) of birth, and passport number(s) of the visitor(s).
Q8: When I buy this plan, do I need to make the full payment all 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 all at once.
Q9: I want to purchase insurance for more then one visitor. Should I purchase two separate policies for them or have a combined policy?
The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies.
Having separate policies gives you more flexibility in extension and cancellations.
Q10: I am traveling and I am pregnant. Will your plan cover me?
Yes, the Safe Travels USA plan covers for emergency medical treatment for pregnancy up to $1,000. Please check the description of coverage for details.
Q11: Does this plan cover for pre-existing conditions?
Like all other travel insurance policies, the Safe Travels USA Plan does not cover for pre-existing conditions, but it offers coverage of up to $1,000 for an unexpected recurrence of a pre-existing condition.
Q15: Does Safe Travels USA cover the Coronavirus vaccination?
Safe Travels USA doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions.
Q16. When does my coverage start on my travel medical insurance plan?
Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country.
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.