Safe Travels USA Comprehensive Visitor Medical Insurance

What Is Safe Travels USA Comprehensive Insurance?

Safe Travels USA Comprehensive is one of the best temporary travel medical insurance for eligible international visitors and Green Card holders traveling to the USA. The plan can be suitable for tourists, parents visiting children in the USA, senior travelers, family members and eligible Green Card holders who need temporary medical coverage during their stay.

Unlike a fixed-benefit visitor insurance plan, Safe Travels USA Comprehensive uses a comprehensive coverage structure. After the applicable deductible and subject to the policy's terms, conditions and exclusions, the plan can pay 100% of eligible expenses up to the selected policy maximum. Travelers can choose medical maximums ranging from $20,000 to $1,000,000 and deductible options from $0 to $5,000, allowing them to select coverage based on their medical needs, trip duration and budget.

Safe Travels USA Comprehensive is underwritten by Zurich Insurance Europe AG, part of the global Zurich Insurance Group and has an A+ (Superior) financial strength rating from A.M. Best with a stable outlook, reflecting its strong balance sheet and financial position. The plan uses the First Health PPO network, giving eligible travelers access to participating healthcare providers and negotiated rates when receiving covered care within the network. This can be particularly valuable in the USA, where medical treatment and hospitalization can be expensive.

Why Choose Safe Travels USA Comprehensive Travel Insurance?

Safe Travels USA Comprehensive offers short term travel medical coverage for eligible non-U.S. citizens traveling to the USA, with flexible medical maximums, deductible options and several important emergency and travel-related benefits.

• Up to $1 Million in Medical Coverage - Travelers can choose a medical maximum of $20,000, $50,000, $100,000, $250,000, $500,000 or $1,000,000 per period of insurance, providing options for different budgets and coverage needs.
• 100% Coinsurance up to the Policy Maximum - The plan provides 100% coinsurance up to the selected policy maximum, after the applicable deductible and subject to the policy terms, conditions and exclusions.
• Flexible Deductible Options - Travelers can select from $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000 deductibles, allowing them to balance their premium with potential out-of-pocket expenses.
• Acute Onset of Pre-Existing Conditions - The plan provides coverage for an eligible acute onset of a pre-existing condition. The benefit is up to the policy maximum for eligible travelers under age 70, but reduces to $35,000 at ages 70–79 and$20,000 at age 80 and above. Specific eligibility requirements and exclusions apply.
• Emergency Medical Evacuation - Emergency medical evacuation is covered at 100% up to $1,000,000. However, evacuation related to a condition covered under the acute-onset pre-existing-condition benefit is limited to $25,000.
• Trip Interruption and Lost Baggage Benefits - The plan also includes several travel-related benefits, including up to $5,000 for Trip Interruption and $1,000 for Lost Checked Baggage, subject to the applicable terms and conditions.
• Coverage for Doctor Visits and Urgent Care - A Well Doctor Visit benefit of $125 for one visit per period of insurance is included. Urgent care has a $30 copay per incident, while a walk-in clinic has a $15 copay per visit. These copayments are not subject to the deductible and do not apply when a $0 deductible is selected.
• Emergency Pregnancy Treatment - The plan provides up to $1,000 for emergency medical treatment of pregnancy, subject to the plan's conditions and exclusions.
• Telemedicine and 24-Hour Travel Assistance - Safe Travels USA Comprehensive includes telemedicine and 24-hour travel assistance services. These are non-insurance services and are separate from the insurance benefits underwritten by Zurich Insurance Europe AG, Belgian branch.
• Optional Sports Activity Coverage - Travelers can purchase optional sports activity coverage for activities such as tennis, swimming, golf, volleyball, soccer, basketball, baseball, gymnastics, skiing-related listed activities and other specifically covered sports. Professional and semi-professional sports, collision sports, extreme sports and activities not expressly listed are excluded.
• Optional Return to Home Country Coverage - Travelers can also purchase optional Return to Home Country Coverage. When selected, eligible travelers can return to their home country for an incidental trip of up to 60 days per 12 months of coverage purchased, provided the period of insurance is more than 30 days and other conditions are met.
• Coverage for Travelers Up to Age 89 - The plan is available to eligible travelers under age 90. This makes it an option for many senior visitors, although age-based limitations apply to certain benefits, particularly acute-onset pre-existing conditions and cardiac conditions or stroke.
• Coverage for Cardiac Conditions and Stroke - Eligible expenses for cardiac conditions and stroke are covered up to $25,000 per period of insurance for travelers up to age 69 and $15,000 per period of insurance for travelers age 70 and older.
• Coverage for Extended USA Visits - The plan provides coverage for periods ranging from 5 days up to a maximum of 364 days, making it suitable for visitors planning stays ranging from short vacations to extended family visits.