Safe Travels USA Cost Saver Visitor Insurance
Medical treatment in the United States can be expensive, especially for visitors who do not have U.S. health insurance. A hospital visit, emergency room treatment, diagnostic tests, or hospitalization can result in significant medical bills.
For travelers looking for affordable visitor insurance for the USA, Safe Travels USA Cost Saver from Trawick International can be an option worth considering. The plan is designed for budget-conscious international travelers and offers medical coverage with policy maximum options ranging from $50,000 to $1 million. It also includes benefits such as emergency medical evacuation and repatriation.
However, the lower premium comes with some important differences compared with other Safe Travels USA plans. Travelers should understand the coinsurance, deductible, pre-existing condition limitations, COVID-19 exclusion, and other plan restrictions before purchasing.
What Is Safe Travels USA Cost Saver Insurance?
Safe Travels USA Cost Saver is a budget-friendly travel medical insurance plan designed primarily for non-U.S. citizens and non-U.S. residents visiting the United States. It provides coverage for eligible medical expenses resulting from covered sickness or accidents during the trip, with policy maximum options ranging from $50,000 to $1 million. The plan can be purchased for trips starting from 5 days and up to 364 days, making it suitable for both short and extended visits.
The plan also provides a limited Unexpected Recurrence of a Pre-Existing Condition benefit of up to $1,000, subject to the plan's eligibility requirements and limitations. After the selected deductible, the plan pays 80% of the first $5,000 of covered expenses and then 100% up to the policy maximum, subject to the policy terms. This coinsurance structure is one of the factors that helps keep the plan's premium affordable.
In addition to medical coverage, Safe Travels USA Cost Saver includes benefits such as emergency medical evacuation, medically necessary repatriation, repatriation of remains, and accidental death and dismemberment coverage. The plan is underwritten by Zurich Insurance Europe AG, Belgian branch. Travelers should review the policy details, exclusions, and limitations before purchasing to make sure the plan meets their specific needs.
Why Is Safe Travels USA Cost Saver Travel Insurance So Cheap?
Safe Travels USA Cost Saver is designed as a budget-friendly visitor insurance plan. Its lower premium is associated with its cost-sharing structure, deductible options, benefit limitations, and exclusions. Here are some key factors to consider:
- 80% Coinsurance for the First $5,000
After the deductible, the plan pays 80% of eligible expenses for the first $5,000, followed by 100% up to the policy maximum, subject to the policy terms. This means the traveler may have some out-of-pocket costs. - COVID-19 Is Not Covered
The plan excludes COVID-19 and SARS-CoV-2 expenses. Travelers who specifically want COVID-19 coverage should compare other visitor insurance plans before purchasing. - Limited Pre-Existing Condition Coverage
The plan provides a limited Unexpected Recurrence of a Pre-Existing Condition benefit, subject to eligibility and plan terms. The benefit is limited to $1,000, so it should not be considered comprehensive coverage for an existing medical condition. - Specific Benefit Limits and Exclusions
Some benefits, including coverage related to pre-existing conditions, cardiac conditions, and stroke, have specific limits and restrictions. Therefore, the policy maximum does not mean every medical expense is covered up to that amount. - Higher Deductible Options
The plan offers deductible choices from $0 to $5,000. Selecting a higher deductible can generally help reduce the premium, while a lower deductible may result in a higher premium. - Designed for Budget-Conscious Travelers
Cost Saver is intended for travelers who want affordable medical protection and are comfortable with certain cost-sharing requirements and coverage limitations. It can be suitable for travelers who prioritize a lower premium while still wanting substantial medical coverage.
In Simple Terms
Safe Travels USA Cost Saver is cheaper because it is structured as a budget-focused plan with specific coinsurance, deductible options, benefit limits, and exclusions. Travelers should compare these features not just the premium to determine whether the plan is right for them.
What Does Safe Travels USA Cost Saver Visitors Insurance Cover?
Safe Travels USA Cost Saver provides coverage for eligible medical expenses resulting from covered sickness or injury during the trip, subject to the selected policy maximum, deductible, coinsurance, exclusions, and benefit limits. Travelers can choose a medical maximum of $50,000, $100,000, $250,000, $500,000, or $1 million. The plan also includes emergency medical benefits and several travel-related benefits.
- Doctor Visits, Urgent Care and Walk-In Clinics
The plan covers eligible physician visits and provides specific copays for urgent care and walk-in clinic visits. The urgent care copay is $30 per incident, while a walk-in clinic has a $15 copay. These copays are not subject to the deductible, and the copay does not apply when a $0 deductible is selected. - Hospitalization and Emergency Room Treatment
Safe Travels USA Cost Saver provides coverage for eligible hospital room and board, intensive care, emergency room treatment, ambulance services, diagnostic X-rays, and laboratory services. Emergency room treatment for sickness has an additional $200 deductible per visit, while emergency treatment for an injury or accident is covered according to the plan terms. - Prescription Drugs and Medications
Eligible prescription drugs and medications are covered subject to the plan maximum and applicable terms. For $50,000, $100,000, and $250,000 policy maximums, the prescription benefit can extend up to the selected plan maximum; for $500,000 and $1 million plans, the prescription benefit is limited to $250,000. - Cardiac Conditions and Stroke
The plan provides a specific benefit for cardiac conditions and stroke, which can be particularly important for older visitors. The maximum is $25,000 for travelers up to age 69 and $15,000 for travelers age 70 and older, subject to the policy terms and eligibility requirements. - Unexpected Recurrence of a Pre-Existing Condition
Safe Travels USA Cost Saver includes limited coverage for an unexpected recurrence of a pre-existing condition. The benefit is $1,000 for travelers up to age 69 and is not available for travelers age 70 and older. This is limited coverage and should not be considered comprehensive coverage for ongoing treatment of a pre-existing condition. - Emergency Medical Evacuation The plan includes emergency medical evacuation when medically necessary and approved according to the policy requirements. The benefit is up to $1 million, with a lower limit applying to conditions covered under the unexpected recurrence of a pre-existing condition benefit.
- Repatriation and Emergency Travel Benefits
The plan also provides several benefits for serious situations during a trip. These include medically necessary repatriation up to $15,000, repatriation of mortal remains up to $50,000, political evacuation up to $25,000, natural disaster evacuation up to $10,000, and emergency reunion up to $15,000. - Dental, Pregnancy and Other Medical Benefits
The plan includes several additional medical benefits, although many have specific limits. These include dental treatment up to $250, emergency medical treatment of pregnancy up to $1,000, mental or nervous disorders up to $2,500, and physiotherapy, physical medicine, or chiropractic treatment up to $50 per visit for up to 10 visits. - Wellness Visit
A well doctor visit is covered up to $125 for one visit per period of insurance. This can be useful for travelers who want a routine medical checkup during their stay, subject to the plan's conditions. - Trip and Baggage Benefits Although Cost Saver is primarily a travel medical insurance plan, it also provides some travel-related benefits. These include trip interruption up to $5,000 and lost checked baggage up to $1,000, subject to the policy terms and conditions.