Safe Travels Complete Insurance for Stable Pre-Existing Conditions
Trawick Safe Travels Complete Insurance provides travel medical coverage for eligible visitors to the USA, including stable pre-existing condition coverage, with plans starting at $3 per day in 2026. Coverage includes eligible medical expenses and other benefits, subject to plan limits, deductibles, exclusions, and policy terms.
Safe Travels Complete Insurance -Coverage for Stable Pre-Existing Conditions
If you are visiting the United States and already have a medical condition such as diabetes, high blood pressure, asthma, or another chronic condition, finding visitor insurance that provides meaningful coverage for pre-existing conditions can be difficult.
Safe Travels Complete from Trawick International is designed for non-U.S. citizens who live outside the United States and are traveling to the USA. One of its key features is coverage for certain stable pre-existing conditions, subject to the plan's limits, deductible, eligibility requirements, exclusions, and other policy terms.
Unlike many visitor insurance plans that only provide limited acute-onset of pre-existing condition coverage, Safe Travels Complete through American Visitor Insurance specifically provides a benefit for a sudden and unplanned recurrence or acute exacerbation of a stable pre-existing condition.
This makes Safe Travels Complete an option worth considering for travelers who want visitor medical insurance while also having a stable existing medical condition.
What Is Safe Travels Complete Insurance?
Safe Travels Complete Insurance is a comprehensive travel medical insurance plan designed for non-U.S. citizens who live outside the United States and are traveling to the USA. It provides coverage for eligible medical expenses during the trip and is available for travelers up to age 89, with coverage periods from 90 days up to 364 days, subject to the plan terms.
What makes this plan different from many standard visitor insurance plans is its Stable Pre-Existing Condition Benefit. It can provide coverage for a sudden and unplanned flare-up of a pre-existing condition when the condition meets the plan's stability requirements. The plan also offers customizable medical maximums and deductibles, 80% coinsurance for in-network expenses and 60% for out-of-network expenses, along with benefits such as emergency medical evacuation and repatriation of mortal remains.
Safe Travels Complete is underwritten by Zurich Insurance Europe AG, Belgian branch. Zurich's insurance operations have strong financial strength, and rated by AM Best rating A.
Why Choose Safe Travels Complete Visitor Medical Insurance?
Safe Travels Complete can be a good option for eligible visitors to the USA who want comprehensive travel medical coverage along with a Stable Pre-Existing Condition Benefit. The plan offers customizable medical maximums and deductibles, coverage for eligible medical expenses, and several emergency travel benefits.
One of the main benefits of Safe Travels Complete is its Stable Pre-Existing Condition Benefit. It may cover eligible medical expenses if a pre-existing condition that was stable before the trip suddenly comes back or gets worse unexpectedly and requires immediate medical treatment to prevent a serious health problem.
Travelers can choose a medical maximum of $60,000, $250,000, $500,000, or $1,000,000 per period of insurance. This gives eligible travelers flexibility to select a coverage level based on their needs and budget.
Safe Travels Complete provides a separate maximum for eligible pre-existing condition expenses. The available Pre-Existing Condition Medical Maximums are $20,000, $25,000, $30,000, $40,000, or $50,000 per period of insurance. Once the selected pre-existing condition maximum is reached, no further benefits are payable for pre-existing conditions, although coverage can continue for eligible expenses unrelated to pre-existing conditions.
The plan offers general deductible choices of $250, $500, $1,000, $2,500, or $5,000 per period of insurance. There is also a separate deductible for pre-existing condition benefits, with choices of $1,500, $2,000, $2,500, $5,000, or $10,000 per period of insurance.
Safe Travels Complete provides 80% coinsurance for eligible in-network expenses and 60% for eligible out-of-network expenses per period of insurance, subject to the applicable deductible, policy maximums, and other plan provisions.
The plan provides coverage for eligible travelers up to age 89, so this plan is best for seniors under 89 years with stable pre-existing coverage.
The plan provides Emergency Medical Evacuation coverage up to $20,000 per period of insurance. The benefit also includes the return of minor children, grandchildren, or a traveling companion, subject to the plan terms. This benefit is not subject to the deductible
Safe Travels Complete offers coverage from 90 days up to a maximum of 364 days. The plan must be purchased before travel, and a 90-day minimum premium is required.
Who Can Buy Safe Travels Complete Visitor Insurance?
Safe Travels Complete is designed for non-U.S. citizens who live outside the United States and are traveling outside their home country to visit the USA. The plan must be purchased before travel, and a 90-day minimum premium is required.
Safe Travels Complete can be an option for parents visiting their children in the USA, especially those who have medical conditions such as diabetes, high blood pressure, or other chronic conditions that have remained stable before the trip. The plan includes a Stable Pre-Existing Condition Benefit, which may provide coverage if a qualifying condition suddenly and unexpectedly worsens during the trip.
The plan is available to eligible travelers up to age 89, making it an option for senior visitors and parents traveling to the USA. Seniors with existing medical conditions should pay particular attention to the plan's stability requirements and age-specific benefit limits.
For example, the cardiac conditions and stroke benefit is limited to $25,000 per Period of Insurance for ages up to 69 and $15,000 per Period of Insurance for ages 70–89.
Safe Travels Complete may be particularly useful for travelers who already have a medical condition but have kept it stable during the 90 days before the policy starts. The plan can provide benefits for a sudden and unplanned recurrence or acute worsening of a qualifying pre-existing condition, subject to the applicable limits, deductible, coinsurance, exclusions, and policy terms.
Travelers can choose medical maximum options of up to $1 million, depending on their eligibility and selected plan option. This gives visitors flexibility to choose a level of medical protection based on their needs and budget.
One of the main reasons travelers may consider Safe Travels Complete is its Stable Pre-Existing Condition Benefit. This can make the plan an option for visitors who already have a medical condition and want coverage for an unexpected worsening, rather than a plan that only provides limited acute-onset pre-existing condition coverage.
Does Safe Travels Complete Cover Pre-Existing Conditions?
Yes, Safe Travels Complete travel insurance provides coverage for stable pre-existing conditions up to 89 years , subject to the plan's coverage limits, deductible, exclusions, and other policy terms. This is one of the main features that makes Safe Travels Complete different from many visitor insurance plans that provide only limited acute-onset pre-existing condition coverage.
The plan offers a separate maximum for eligible pre-existing condition expenses, with options ranging from $20,000 to $50,000 per period of insurance. Travelers can choose the pre-existing condition maximum that best fits their needs when purchasing the plan.
Safe Travels Complete Pre-Existing Condition Maximums| Pre-Existing Condition Maximum | Coverage |
|---|---|
| Option 1 | $20,000 |
| Option 2 | $25,000 |
| Option 3 | $30,000 |
| Option 4 | $40,000 |
| Option 5 | $50,000 |
For example, if you select a $50,000 pre-existing condition maximum, up to $50,000 may be available for eligible expenses related to a covered stable pre-existing condition during the period of insurance. This does not mean every treatment related to the condition will be covered. The treatment must meet the policy requirements and is subject to the applicable deductible, coinsurance, exclusions, and other limits.
Safe Travels Complete Pre-Existing Condition Deductibles| Pre-Existing Condition Maximum | Deductible |
|---|---|
| Option 1 | $1,500 |
| Option 2 | $2,000 |
| Option 3 | $2,500 |
| Option 4 | $5,000 |
| Option 5 | $10,000 |
The deductible means that you are responsible for the applicable amount of eligible pre-existing condition expenses before the plan begins paying according to its coverage provisions.
Simple ExampleSuppose you choose:
- Pre-existing condition maximum: $50,000
- Pre-existing condition deductible: $5,000
Later, you experience a sudden and unplanned worsening of a stable pre-existing condition and receive eligible medical treatment.
If the claim qualifies under the plan, the applicable $5,000 pre-existing condition deductible would apply first. The remaining eligible expenses would then be considered for coverage, subject to the plan's coinsurance, $50,000 pre-existing condition maximum, exclusions, and other policy terms.
What Is a Stable Pre-Existing Condition?
For Safe Travels Complete, a stable pre-existing condition is a medical condition you already have that has remained stable during the 90 days before your insurance starts.
During those 90 days, your condition should not have:- Required hospitalization or emergency medical treatment.
- Suddenly become worse and required immediate medical treatment.
- Resulted in your doctor recommending surgery or another major medical procedure.
- Required a major change in treatment because your condition was getting worse.
A major change in treatment can include starting a new prescription medicine, significantly increasing your medication dosage or frequency because your condition is worsening, starting a new course of treatment because of deterioration, or receiving a recommendation for surgery or another major medical procedure.
However, routine follow-up visits, taking your regular maintenance medicines as prescribed, prescription refills, routine monitoring, preventive care, or adjusting treatment simply to maintain or optimize your condition do not by themselves mean that your condition is unstable, as long as there is no evidence that the condition is getting worse.
Does Safe Travels Complete Cover Cardiac Conditions and Stroke?
Yes. Safe Travels Complete provides a separate benefit for cardiac conditions and stroke related to a qualifying stable pre-existing condition. The coverage limit depends on the traveler's age:
- Ages up to 69: Up to $25,000 per Period of Insurance
- Ages 70–89: Up to $15,000 per Period of Insurance
These limits apply specifically to eligible cardiac conditions and stroke and are subject to the plan's deductible, coinsurance, exclusions, and other policy terms.
For example, if a 75-year-old traveler has a qualifying stable pre-existing heart condition and experiences a sudden worsening that requires eligible medical treatment during the trip, the maximum benefit available for the covered cardiac condition would be $15,000 per Period of Insurance, subject to the policy term
What Is the General Medical Maximum and Deductible for Safe Travels Complete US Visitor Insurance?
Safe Travels Complete offers several medical maximum and deductible options, allowing travelers to choose coverage based on their needs and budget. The available general medical maximums are $60,000, $250,000, $500,000, and $1,000,000 per Period of Insurance.
The available general medical deductibles are $250, $500, $1,000, $2,500, and $5,000 per Period of Insurance. The deductible is the amount you pay toward eligible covered expenses before the plan begins paying according to its coinsurance and other policy provisions.
Can I Cancel Safe Travels Complete Insurance and Get a Refund?
Yes, Safe Travels Complete may be canceled and refunded, but the amount you receive depends on when you request the cancellation and whether a claim has been filed.
If you submit a written cancellation request on or before the Coverage Effective Date, a full cancellation and refund will be considered.
If you request cancellation after the Coverage Effective Date, a partial refund may be available under certain conditions. If a claim has already been submitted, the premium is considered fully earned and no refund is available.
If no claim has been submitted, a US$50 cancellation fee applies. Only the premium for unused coverage days beyond the initial 90-day minimum premium period may be refunded.
Can I Extend Safe Travels Complete Insurance?
Yes, Safe Travels Complete Insurance may be extended if you are eligible, subject to the plan's extension rules. The initial Period of Insurance must be purchased for a minimum of 90 days. If an extension is available, you will receive an extension notice before your current coverage ends with instructions for extending the plan.
An extension can be purchased at the premium rate in effect at the time of extension, for a minimum of 5 additional days. Your total Period of Insurance cannot exceed 364 days. For example, if you initially purchase 90 days of coverage, you may be able to extend your coverage for additional days as long as the total coverage period does not exceed 364 days.
There is no grace period for extending the plan, so the extension must be completed before the current Period of Insurance ends.
How Much Does Safe Travels Complete Insurance Cost?
The Safe Travels Complete insurance cost for a 3-month coverage period ranges between $304 and $1,591, depending on the traveler’s age, selected plan maximum, and deductible. Older travelers generally pay higher premiums, while a higher plan maximum increases the cost and a higher deductible can lower the premium.
The table below shows sample Safe Travels Complete insurance rates for a 90-day period based on a $250 deductible. Choosing a higher deductible can reduce the premium, while a lower deductible may increase the cost.
Ages 70-69: $60,000Deductible: $250
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Safe Travels Complete Travel Insurance - FAQs
Yes, the plan provides a specific limit for eligible cardiac conditions and stroke. The maximum is $25,000 per Period of Insurance for ages up to 69 and $15,000 per Period of Insurance for ages 70–89, subject to the policy terms.
For example, selecting a $1 million overall medical maximum does not mean you have $1 million available for pre-existing condition treatment. The pre-existing condition maximum is separately limited to the option you select, up to $50,000.