Review of Safe Travel USA vs Atlas Premium Insurance
Visitors to USA must be aware of the high health care costs and the drawbacks of not buying visitors medical insurance. A small injury or sickness in the US which lead to hospitalization can result in huge medical bills. If the international tourist has bought adequate visitor medical insurance, then it would be easy to clear all the medical bills and have a hassle free trip. Without visitors insurance for USA, the traveller may get stranded with an expensive medical bill which can be traumatic. There are many insurance companies that offer a wide range of USA travel health insurance.
As many US visitors insurance plans are available, it is recommended to compare among them and buy the best visitor medical insurance satisfying your needs. Safe Travel USA is offered by Trawick International and has an AM Best Rating of “A+”. Atlas Premium insurance from WorldTrips is designed for Non US residents travelling to the USA. It is quite popular among US citizens residing outside USA and visiting the US for a short period of time. It can be purchased for 15 days up to a maximum of 365 days.
- FEATURES
- Eligible Plan for USA Coverage
- Parents Eligible to be insured
- Acute on set of Pre-existing Cover
- Renewable and Cancellable
- Deductible Choice
- A.M. Best Rating
- Covid coverage
- Underwriter
- Provider
- Buy now
- Safe Travels USA
- Yes
- Yes
- Yes, covers up to 89 years
- Yes
- $0 to $5k
- "A" Excellent
- Yes
- Zurich Insurance
- Trawick International
- Buy Now
- Atlas Premium
- Yes
- Yes
- Yes, covers up to 79 years
- No
- $0 to $5k
- A++ Standard & Poor’s: AA-
- Yes
- Lloyd's
- WorldTrips
- Buy Now
Factors for comparing Trawick International vs WorldTrips insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Safe Travels USA vs Atlas Premium travel insurance:
1. Policy maximum
This the maximum coverage expense that the plan would offer for the medical expenses. Safe Travel USA offers maximum coverage up to 1 million. while Atlas Premium offers coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum.
2. Deductible options
This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. All of these plans offer a set of deductible options for the travelers to choose from Safe Travels USA and Atlas Premium America insurance have a range of deductible option from $0 up to $5K.
3. Provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
4. Coinsurance
Safe Travels USA Visitor Insurance- Covers 90% of the first $2,500 then 100% up to the policy maximum
- Plan pays 100% of eligible expenses after the deductible up to the overall maximum limit.
5. Renewability
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Safe Travels USA and Atlas Premium America insurance can be extended for a minimum of 5 days to 364 days.
6. Eligibility
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries While Atlas Premium plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
7. Pre-existing conditions
Safe Travels USA pre-existing condition travel insurance- Unexpected recurrence of a pre-existing medical conditions up to $1K for age up to 89 years.
- Covers up to 80 years
Pre-existing conditions comparison table
| Pre-Existing FAQ's | Safe Travels USA | Atlas Premium |
|---|---|---|
| What is a Pre-Existing Condition definition? |
This Unexpected recurrence of a pre-existing condition will cover a sudden flare-up of a past condition requiring immediate medical attention, but only if it wasn't something you or your doctor already anticipated needing treatment for during this specific policy period. |
Atlas Travel and Atlas Premium provide a limited benefit up to the medical coverage lifetime maximum for eligible medical expenses. If you are younger than 80, you may be covered for an acute onset of a pre-existing condition. This also includes up to a $25,000 lifetime maximum for emergency medical evacuation. An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic and congenital conditions, complications or consequences of a chronic or congenital condition, or conditions that gradually become worse over time are excluded from coverage. |
| What types of pre-conditions are covered? |
|
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| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | No look back period | No look back period |
| Do you need a medical report of the person with the pre-existing condition? | No | No |
| Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? | This plan does not provide a separate document | This plan does not provide a separate document |
| What is pre-certification? | There is no pre-certification. | You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan. |
| What is the maximum age for eligibility? | Covered up to age 89 | Covered up to age 79 |
Key Highlights
Safe Travels USA vs Atlas Premium Insurance - FAQs
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What are the different Trawick international insurance plans?
Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:
- Safe Travels USA Comprehensive
- Safe Travels USA Cost Saver
- Safe Travels Voyager
- Safe Travels Journey
- Safe Travels Elite
- Safe Travels Outbound
- Safe Travel International
What is the coverage area of Trawick international travel insurance?Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.
How much does Trawick international travel insurance cost?The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.
How do I purchase Trawick international travel medical Insurance?You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travel USA Comprehensive you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.
What are the requirements for purchasing Trawick international insurance?The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
Is there a Cancel for any reason insurance cover with Trawick International travel insurance?Cancel for any reason can be included at an additional cost with the Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans by Trawick International.
Is Trawick International insurance a legit company?Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.
Can I purchase travel insurance from Trawick International?Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.
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What are the benefits of Atlas travel insurance?
Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country. Atlas Travel Insurance provides coverage for those who are traveling, studying, volunteering, or living outside of their home country. It offers core travel insurance benefits, with coverage from as little as Five days. There are three Atlas travel insurance plans to choose from Atlas Premier, Atlas International and Atlas Essential.
The benefits offered on the Atlas Travel Medical Insurance plan provide a range of high quality travel insurance benefits to cover you in the event of an unexpected accident or injury when you are abroad. This includes coverage for medical expenses, evacuation, repatriation, emergency reunion and other related benefits.
What is the coverage area of WorldTrips Atlas travel insurance?Atlas insurance is short term travel health insurance designed for anyone, as long as they are outside their home country.
How much does WorldTrips travel insurance cost?The cost of the Worldtrips travel insurance will vary depending on the age of the traveler, the type of coverage, the travel destination and the duration of travel. Typically, visitors travel insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers
How do I purchase Atlas Travel Medical Insurance?You can purchase Atlas Travel Medical Insurance on American Visitor Insurance at buy Atlas America Travel Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Atlas travel health insurance from licensed insurance agents.
What are the requirements for applying for Atlas Travel Insurance?The main requirements for applying for Atlas insurance is the travelers passport details and the travel dates. You can apply for Atlas travel insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
Is Atlas Premium a good travel insurance?Yes, Atlas Premium is a good travel insurance plan for visitors to the US. It offers comprehensive coverage for travel insurance needs, including medical emergencies, trip cancellations, and baggage loss.
Can I buy travel insurance from Worldtrips?WorldTrips insurance previously known as Tokio Marine HCC – Medical Insurance Services Group has received A+ rating from the from S&P Global Ratings. WorldTrips travel insurance reviews indicate that it currently offers travel medical insurance for over 180 countries and trip protection insurance products for the US residents.
Why should I buy travel insurance from WorldTrips insurance?WorldTrips offers coverage around the world with the fully comprehensive travel medical insurance and trip protection products .WorldTrips was acquired by Tokio Marine in 2015 and functions as a member since the acquisition. WorldTrips insurance offer some of the unique travel medical and trip protection plans for international travelers worldwide.
Why should I buy travel insurance from WorldTrips insurance?For anyone coming to the United States, you will need to have a visa issued in your passport to be allowed in to country unless you are a citizen of a country which is part of the US visa waiver program. The list of countries under Visa waiver program are provided here. The category of visa that you need to apply for is dependent on the reason of your visit to the US. Atlas Premium insurance is very popular with visitors applying for any of these visas to the United States. Some of the Common US visas are :
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