Safe Travels USA vs Diplomat Long Term Insurance - Which travel insurance plan is better?

Compare travel insurance benefits offered by Safe Travel USA insurance and Diplomat Long Term Insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

Trawick International vs Global Underwriters visitor insurance cost calculator

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Safe Travels USA vs Diplomat Long Term
Safe Travels USA
Plan Maximum
Deductible
Diplomat Long Term
Plan Maximum
Deductible
Minimum Enrollment is 3 Months
 Safe Travels USA vs Diplomat Long Term Insurance Benefits
Insurance Providers help
Medical Maximum Options help $50,000, $100,000, $250,000, $500,000, $1,000,000 Age 65 – 69: Up to $100,000;
Age 70 – 79: Up to $50,000;
Age 80+: Up to $20,000.
All others: $50,000 $100,000 $250,000 $500,000 $1M
Deductible Options help $0, $100, $250, $500, $1,000, $2,500, $5,000 $0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Coinsurance help Covers 90% of the first $2,500 then 100% up to the policy maximum The plan pays 80% up to $5000 of eligible costs, then 100% to the medical maximum. Additional $250 deductible for each emergency room visit
Length of Coverage help Minimum: 5 days
Maximum : 364 days
Minimum: 3 months
Maximum : 364 days
Renewability help Yes Yes: Up to 3 years
 Medical Benefits
Hospital room and board help Average semi-private room rate Covered
Intensive care unit help Up to the overall maximum limit 500,000
Hospital indemnity help $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $100 per day to a maximum of 10 days (US Citizens only)
Urgent Care Clinic help $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay Covered
 Emergency Services
Emergency local ambulance help Covered Covered
Hospital emergency room help Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Covered
 Dental
Emergency dental treatment help $250 per Policy Period Accident: Usual & Customary Expense
Palliative: $100
 Pre-Existing Condition
Pre-Existing Conditions help
cover unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years
Covers Sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older)
 Life
AD&D help Upto $500,000 Upto $25,000
Common carrier AD&D help $25,000 Covered
 Evacuation
Emergency medical evacuation help 100% up to $2M Covered up to $500,000
Emergency reunion help $15,000 Covered up to $50,000
Return of mortal remains or cremation/burial help 100% up to $50,000 Covered up to $50,000
Return of minor children help $5000 $50,000
Political evacuation and repatriation help $25,000 $50,000
Natural disaster evacuation help $25,000 maximum limit $50,000 maximum limit
Trip interruption help $5000 per Policy Period $50,000 per Policy Period
Unique Advantages
  • Co-Insurance 90% of the first $2,500 then 100% up to the policy maximum
  • Visitors insurance plan is renewable up to 2 years and the plan life is 1 year.
  • Acute onset of pre existing condition or unexpected recurrence of the condition is covered for $1,000.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • It is a comprehensive coverage plan.
  • $20K coverage for 80+ travelers - best coverage.
 Travel Insurance
Underwriter Zurich Insurance Europe AG Belgian branch C&F Cayman SPC
Rating help "A" (Excellent) "A" (Excellent)
Brochure and Details

Safe Travels USA vs Diplomat Long Term Insurance Reviews

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.

Safe Travels USA vs diploamt long term 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 Travels USA is offered by Trawick International and has an AM Best Rating of “A+”. Diplomat Long Term insurance from Global Underwriters 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
  • Cost*
  • Coverage in USA?
  • Parents/Seniors are eligible?
  • Eligible for OPT students?
  • Covers Acute onset of Pre-existing?
  • Eligible for Green card holders?
  • Renewable and Cancellable?
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Safe Travels USA
  • $85
  • Yes
  • Yes
  • No
  • Yes, covers up to 89 years
  • Yes
  • Yes
  • $0 to $5000
  • "A" Excellent
  • Yes
  • Zurich Insurance
  • Trawick International
  • Buy Now
  • Diplomat Long Term
  • $625
  • Yes
  • Yes
  • Yes
  • Yes
  • No
  • Yes
  • $0 to $5000
  • "A" Excellent
  • Yes
  • C&F Cayman SPC
  • Global Underwriters
  • Buy Now

*Safe Travels USA cost for 45 years traveler; $50,000 maximum coverage; $250 deductible.

*Diplomat Long Term cost for 45 years traveler; $500,000 maximum coverage; $250 deductible.

Safe Travels USA vs Diplomat Long Term Insurance: A Quick Comparison

Safe Travels USA Insurance

  • Offers maximum coverage up to 1 million.
  • Deductible options ranges from $0 to $5,000.
  • Covers unexpected Recurrence of a Pre-Existing Conditions upto $1,000 per Period of insurance for those up to age 70
  • Renewable for up to 364 days.
  • $25 cancellation fee after the effective date.
  • Covers Natural Disaster Evacuation upto $10,000 ($250/day to a max of 5 days)
  • Eligible for Non-US Citizens traveling outside their home country.
  • Covers Up to $50,000 while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded..
assignmentPLAN DETAILS picture_as_pdfBROCHURE descriptionREVIEWS
  • local_hospital

    Provider Network
     First Health network

  • dentistry

    Dental Treatment
    Up to $250

  • ambulance

    Emergency Medical Evacuation
    100% up to $1,000,000

  • medical_services

    Urgent Care Clinic
    $30 per Incident copay

  • airplanemode_inactive

    Trip Interruption
    Up to $5,000

  • shopping_cartBuy Now

Diplomat Long Term

  • Offers maximum coverage up to 1 million.
  • Deductible options ranges from $0 to $5,000.
  • Covers Sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older)
  • Renewable up to 3 years.
  • $25 cancellation fee before the effective date. After the effective date premium is considered fully earned and non-refundable.
  • Eligible for both US and Non US citizens traveling outside their home country.
  • Optional rider cover for hazardous activity, Athletic coverage and home country coverage.
assignmentPLAN DETAILS picture_as_pdfBROCHURE descriptionREVIEWS
  • local_hospital

    Emergency Medical Reunion
    Up to $50,000

  • dentistry

    Dental Treatment
    Accident: Usual & Customary Expense, Palliative: $100

  • ambulance

    Emergency Medical Evacuation and Repatriation
    Up to $250,000

  • airplanemode_inactive

    Trip Interruption
    Up to $5,000

  • shopping_cartBuy Now

How much does Safe Travels USA vs Diplomat Long Term insurance cost per month?

Both Safe Travels USA and Diplomat Long Term provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.

You can compare cost for both Diplomat Long Term and Safe Travels USA.

Safe Travels USA

Travelers Age Maximum $50K Maximum $100K
40 - 49 $85 $107
50 - 59 $127 $160
60 - 64 $147 $193
65 - 69 $160 $217
70 - 79 $252 $332

Diplomat Long Term

Travelers Age Maximum $500K Maximum $1M Maximum $100K
40 - 49 $629 $699 N/A
50 - 59 $880 $1004 N/A
60 - 64 $1022 $1216 N/A
65 - 69 N/A N/A $1110
70 - 79 N/A N/A $2202

Safe Travels USA vs Diplomat Long Term Insurance - FAQs

  • Safe Travels USA Insurance - FAQ's

    Does Safe Travels USA Visitor Insurance cover pre-existing conditions?

    Yes. Safe Travels USA Visitor Medical Insurance covers the unexpected recurrence of a pre-existing condition up to $1,000 for individuals up to 70 years old.


    Who can apply for Safe Travels USA insurance?

    Safe Travels USA insurance is available to non-US citizens or non-US residents, including green card holders travelling to the usa. This plan is not availbel for US residents and anyone who has lived in the United States for more than 365 days prior to their Effective Date.


    Does Safe Travels USA insurance for visitors covers sports Activities?

    Yes.Safe Travels USA plan offers Sports activity coverage as (Optional) up to $50,000 - provides coverage while performing, practicing, or participating in Class 1 or Class 2 Sports only. Extreme Sports are excluded. Hockey League play is excluded.

    Class 1: Archery, tennis, swimming, cross country, track, volleyball, and golf.

    Class 2: Ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football except division 1, gymnastics, hockey no league play, karate, lacrosse, polo, rowing, rugby, soccer, & softball.

    Extreme Sports: Sports means any high-risk non-team sport or recreation activity that is dangerous and if performed optimally, even by the highly skilled, risks loss of life or limb.


    How do I cancel a Safe Travel USA Insurance from Trawick International?

    For Trawick International Travel insurance Policy Cancellation: If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

    Cancellation before effective date:

    • A full refund would be considered

    Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

    • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
    • If no claims have been filed with the Company, then
      • a cancellation fee of US $25 will be charged;
      • only full month premiums will be considered as refundable;
    • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

    What is the advantage of buying Safe travel USA from Trawick International?

    Safe Travels USA is a travel insurance for USA plan, including comprehensive medical coverage up to $1,000,000 for accidents and sickness medical insurance. The plan provides limited coverage for unexpected recurrence of a Pre-existing condition up to $1000, access to a wide PPO network for reduced out-of-pocket. With flexible coverage durations ranging from 5 to 364 days and optional add-ons for specific activities, Trawick International ensures travelers have tailored protection and support during their visit to the U.S.


    Can a traveler extend or renew the Trawick international Safe Travel USA insurance plan?

    Yes, the Safe Travels USA plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA plan


    Does Safe Travel USA cover cardiac conditions or strokes?

    Yes. Safe Travels USA visitor medical insurance covers Cardiac Conditions or Stroke Limit covers up to $25,000 per Period of Insurance for ages up to 69 or $15,000 per Period of Insurance for ages 70 and above.


    Does Safe Travels USA provide coverage for pregnancy?

    Well. Trawick International Safe Travels USA providers coverage for emergency medical treatment of pregnancy up to $1000.


    How much does Safe Travels USA cost per month in USA?

    The cost of Safe travels usa visitor insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible.

    The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500,000, $10,00,000 depending on the age of traveler. To get a Safe travels quote Click here.


    Does Trawick Safe Travels USA offer any additional benefits?

    Safe Travels usa travel insurance offers three add-on benefits . The optional riders provide additional coverage for a minimal charge. The Traveler can purchase an optional rider at the time of application.

    • Sports Activity Coverage
    • Accidental Death and Dismemberment Upgrade
    • Return to Home Country Coverage

    What are the restrictions of Safe Travels USA Insurance?

    Safe Travels USA Insurance is not available for travel to Antarctica or for Nigerian citizens.

  • Diplomat Long Term Insurance - FAQ's

    What is Diplomat Long Term Insurance?

    Diplomat Long Term visitor medical insurance is an accident and Sickness medical coverage available for Non-U.S. residents traveling to the USA. This plan offers Long Term medical insurance coverage to travelers who need Long Term holiday planner coverage for any age travelling outside or inside the US. The plan is renewable up to 3 years.


    Does Diplomat Long Term Insurance cover pre-existing conditions?

    Yes. Diplomat Long Term covers sudden recurrence of a pre-existing conditions up to $20k; ($2,500 for age 65 and older).


    Does Diplomat Long Term insurance covers sports?

    Yes. Diplomat Long Term covers Athletic & Hazardous Activity sports.


    Does Diplomat Long Term insurance covers war risk coverage?

    Yes. Available for outside the USA.


    Is Global Underwriters a reliable insurance company?

    Global Underwriters insurance is a leader in underwriting and administration of international health care systems for travelers. With over 50 years of involvement and expertise in the travel insurance industry Global Underwriters offer travel medical insurance for individuals traveling on business, vacationing or migrating to a foreign country.

    Global Underwriters insurance has specially curated travel insurance plans to offer world-class service for International Accident & Sickness Medical coverage.


    Is Global Underwriters insurance a legit company?

    Global underwriters insurance reviews indicate that it has left its presence in the travel insurance industry for several years. The international medical insurances are designed to cater to the medical risks for US and non US Citizens who travel overseas for various reasons.

    Global Underwriters reviews indicate that along with their comprehensive international accident & sickness medical insurance plans, they also offer special risk insurance products like Defense Base Act, Kidnap & Ransom and business travel accident coverage.


    What is the cost of Global Underwriters travel insurance?

    The Global Underwriters travel insurance cost will depend on the age of the traveler, the type of coverage and the length of the journey. Typically, travel health insurance policies can start even as low as $1 per day but is much higher for older travelers.


    What is the eligibilty to buy Global Underwriters insurance?

    To be eligible for Global Underwriters insurance coverage, you must not be a citizen of the host country you are traveling to.


    Why should I buy travel insurance from Global Underwriters?

    Global Underwriters insurance has many years of expertise and offers exceptional service to its customers worldwide. Global Underwriters has a plan for all international travelers. The Claims processing, underwriting division are committed to provide good insurance solutions for travellers.


    How do I purchase Global Underwriters Insurance?

    You can purchase Global Underwriters Insurance on American Visitor Insurance at buy Diplomat Insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Global underwriters travel health insurance from licensed insurance agents.


    What is the difference between the Global Underwriters insurance plans?

    The different types of travel insurance plans offered by Global Underwriters have different coverage options and benefits. For example, the Diplomat Long Term plan provides coverage for non-U.S. citizens traveling to the United States, while the Diplomat International plan provides coverage for U.S. citizens traveling outside of the United States. The Diplomat Long term is useful for longer stays beyond 90 days.

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Review travel medical insurance - Blogs and articles

Safe Travels USA plan

Safe Travels USA Comprehensive offers excellent medical coverage. This includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.

Read more »

Diplomat Long Term Plan

Diplomat Long Term Insurance offers long term medical insurance coverage to travelers who need long term holiday planner coverage for any age travelling outside or inside the US. Also has adventure sports coverage.

Read more »

Which are the best travel insurance companies in USA?

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

Which are the best visitors insurance companies in USA?

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