An overview of international travel insurance
International travel has become incredibly common, and the US stands out as the top destination for travelers worldwide. However, one critical aspect that often comes to mind for anyone planning a trip to the US is travel insurance, primarily due to the country's expensive healthcare system. Unlike domestic residents, foreign visitors aren't covered by the US healthcare system, making travel insurance a necessity.
Why travel insurance is essential for US travel?
- Healthcare costs: The US is renowned for its high cost healthcare system.
- Eligibility for healthcare: Visitors are not covered by the US healthcare system unlike domestic residents.
- Peace of mind: With travel insurance, you gain peace of mind knowing that unexpected medical emergencies are covered, ensuring a stress free travel experience.
What to look for in a travel insurance plan?
- Coverage limits: Ensure the plan offers adequate coverage for medical expenses,trip cancellations and other potential risks.
- Exclusions: Be aware of what is not covered in the policy such as pre-existing conditions, high risk activities.
- Claim process: Look for a plan where the claim process is straightforward and processed quickly.
- Customer Support: Reliable customer support is crucial when dealing with emergencies abroad.
- Add ons: Consider additional coverage options like adventure sports, rental car coverage, or gadget protection.
Types of Travel Insurance plans:
- Trip cancellation insurance: In these plans the entire trip cost is insured,and for covered reasons 100% of the trip cost is refunded if the trip is cancelled .In this , we have single trip and multi trip for occasional and frequent travelers respectively.
- Travel Medical Insurance: This provides medical related coverage for unexpected sickness and injury for unforeseen medical emergencies while abroad.
A variety of insurance plans in the private insurance industry for people traveling to the US. Broadly they are classified as "Fixed" and "Comprehensive". One such plan is "Safe Travels Advantage" offered by Trawick International specifically designed for visitors to the US.
Safe Travels Advantage Reviews - Plan summary
Eligibility
- It is a fixed affordable plan available to Non-US residents and Non-US citizens traveling to the US or USA and then other countries
- The plan does not cover residents and citizens living in the US for more than 364 days.
- Coverage is available for individuals from 14 days to the age of 89.
- Coverage is available from 5 days to 364 days and is extendable for up to 364 days.
Plan highlights
- This plan has the policy maximum options starting from $25,000 to $50,000, $75,000, $100,000 and $175,000.
- The plan has a single deductible option of $0.
- Coinsurance per period of insurance is 80%.
- Out of pocket maximum per period of insurance - $5000(Negligible charges do not count towards the Out of Pocket maximum).
- Covid -19 expenses are covered and is treated as any other sickness
- Acute onset of preexisting conditions is covered up to the policy maximum for ages 0-69 and up to $25000 for ages 70 -79 and up to $15000 for ages 80 -89.
- Cardiac conditions or stroke are limited to $25,000 for ages 0 - 69 and up to $15,000 for ages 70 - 89.
- Wellness visit covered up to $125 (restrictions apply)
The Brochure link is here to get the details of benefits available with the plan.
Trawick International Safe Travels insurance reviews
Reviews, Ratings and Experiences
Safe Travels Advantage cost per month
The cost of Safe Travels Advantage for seniors ranges between $29 to $315. This is dependent on the following factors: the age of the traveler, the plan maximum and the deductible.
The maximum limit options are $25,000,$50,000, $100,000 and $150,000 up to age of 89 years and $0 deductible is available.
For Example here we are showing cost of senior travel insurance for one month with deductible of $0.
Safe Travels Advantage claims process
Personalized claim contact, claim forms and online claim filing information can be looked up by using the Certificate/Plan number. The Certificate number can be located in the confirmation email received after the purchase of the plan as shown below. It will start with 1 or 2:
| Certificate Number | 2572947 |
| Premium Paid | $11.80 |
| Effective Date | 11/14/2024 |
| Termination Date | 11/23/2024 |
| Home Country | India |
| Destination | United States of America |
In case the Certificate Number cannot be located, 24/7 chat service is available from Trawick International or a call to 251-661-0924 will connect to a live Customer Service Representative where the number can be requested.
Safe Travels Advantage insurance - PPO network
If you have this logo on your ID Card:
You can find a provider in the USA by using the following link www.firsthealthinternational.com
Please note: there are no Pharmacies or Dental Providers listed as In-Network for First Heath PPO. All Dental Providers and Pharmacies are Out of Network and any Out of Network Deductible will apply to eligible claims.
NEED HELP?
Contact our customer service team, we are here to help you!
Tips for choosing the right travel insurance plan
- Assess your needs: Consider your travel destination, duration and activities planned. Choose a plan that aligns with your specific needs.
- Compare plans: Use our website to compare the plans and evaluate different plans and their benefits.
- Read reviews: Check the customer reviews of the plans as they are from different providers to gauge reliability and effectiveness of the provider.
- Understand the fine print: Read the policy document thoroughly to understand the terms and conditions,especially the scenarios that qualify for 100% trip cost refund.
Travel Insurance is a small investment that can save you from significant financial losses and stress.Whether you are planning a relaxing beach vacation, or family visit or an adventurous trek, make sure you have the right travel insurance in place to safeguard your travel adventures.
Safe Travels Advantage international travel medical insurance - FAQ's
Safe Travels Advantage Insurance is a fixed benefit affordable US visitors insurance which is available to cover the foreign visitors citizens coming to the US. The plan does not cover US residents and citizens living in the US for more than 364 days. This cheap US visitor medical insurance plan covers individuals from age 0 up to the age of 89.
Yes Safe Travels Advantage travel medical insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 89 years.
Yes. This plan offers coverage for green card holders visiting USA.
Yes. Safe Travels Advantage international travel medical insurance covers $25,000 per Policy Period for ages up to 69 years and $15,000 per Policy Period for ages 70-89. .
The cost of Safe Travels Advantage health insurance depends on the age of the applicant, the chosen deductible, and the maximum limit. Only $0 deductible is available. The maximum limit options are $25,000, $50,000, $100,000 and $150,000. to get safe travels quotes click here.