Safe Travels Advantage Travel Insurance Review 2026
Affordable fixed-benefit travel insurance for visitors to the USA, designed for foreign citizens and non-US residents traveling to the United States. It is not available to U.S. citizens or residents who have been living in the U.S. for more than 364 days. This low-cost visitor insurance provides coverage for individuals aged 14 days to 89 years, starting from under $1/day.
Trusted by thousands of American travelers every year
Safe Travels Advantage is underwritten by Zurich Insurance Europe AG Belgian branch an A-rated U.S.-based insurer recognized for financial strength and a strong record of paying claims.
Is Safe Travels Advantage Insurance Worth It?
Safe Travels Advantage Insurance by Trawick International is a fixed-benefit, affordable travel medical insurance plan designed exclusively for non-US citizens and non-US residents visiting the United States. It is one of the cheapest visitor insurance plans on the market - starting at under $1/day - while still offering meaningful protection including cardiac, stroke, and pre-existing condition coverage.
As a fixed benefit plan, each covered medical expense has a defined limit the plan pays up to, rather than covering 100% of actual charges. This makes it highly affordable, but travelers should be aware that high hospital bills may exceed the per-incident limits.
The plan is ideal for parents visiting adult children in the USA, older seniors aged 70-89, Green Card holders returning to the US, and budget-conscious visitors who want essential protection without comprehensive-plan pricing.
Trawick Safe Travels Insurance Reviews
"It was a pleasant experience. The representative, I believe it was Rusty, had the patience to deal with me. Thank You."
"It was very easy to get a quote online and when I asked a question in the Live Chat I received a prompt response."
"It was very helpful to speak to someone about our policy choices. Your website is relatively easy to use and to navigate to find the information."
Eligibility Requirements
Citizenship
Available to non-US citizens and non-US residents visiting the USA or USA + other countries.
Green Card Holders
Green Card holders are eligible to purchase this plan when visiting the USA.
Age Requirements
Covers travelers from 14 days old to 89 years old - one of the broadest senior coverage ranges available.
Coverage Duration
Coverage is available from 5 days up to 364 days per policy period. The plan is renewable you can renew online before expiry.
Cancellation Policy
Before effective date: Full premium refund. After effective date: A $25 cancellation fee is charged by the insurance company.
Restrictions
This plan is not available for travel to or in Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, and Russia and other OFAC or restricted countries
Who Should Buy Safe Travels Advantage?
Why You Can Trust Safe Travels Advantage Insurance?
- Underwriter: Zurich Insurance Europe AG Belgian branch - a financially stable, highly rated insurer.
- Plan Administrator: Trawick International, licensed and operating since 1998.
- PPO Network: FirstHealth PPO - no co-insurance when you stay in-network.
- 24/7 Assistance: Provided by On Call International, a dedicated travel assistance company.
- Sold through: American Visitor Insurance (Crossborder Services, LLC), a licensed insurance agency.
Safe Travels Advantage Key Benefits
Starting at $20/month with a $0 deductible - among the most affordable visitor insurance plans available for the USA.
Provides cardiac and stroke coverage of up to $25,000 for ages 69 and below, and $15,000 for ages 70 and above per policy period.
Acute onset of pre-existing conditions covered up to age 89 - one of the best benefits in the fixed-benefit category.
Choose from $25,000, $50,000, $100,000, $150,000 - higher selections increase several fixed benefit limits within the plan.
Medical evacuation covered at $100,000 (for $25K/$50K plans) and Unlimited (for $100K/$150K plans) per policy period.
Pays up to $125 for a routine doctor visit - must occur within the first 21 days and plan must be purchased for at least 30 days.
COVID-19 medical expenses are treated the same as any other sickness - no exclusions for pandemic-related illness.
Access to the First Health PPO network in the USA. Plan pays 80% coinsurance for in-network care after deductible.
Plan can be renewed online for up to 364 days total. Coverage available from as little as 5 days.
Pros & Cons of Safe Travels Advantage Insurance
Advantages
5 benefitsOne of the most affordable visitor insurance plans for the USA - starting at $19/month
$0 deductible available - the plan pays from the first covered medical dollar.
Covers acute onset of pre-existing conditions up to age 89.
Cardiac and stroke coverage included - $25,000 for travelers under 70, $15,000 for ages 70–89.
Green Card holders are eligible to purchase this plan when visiting the USA.
Higher policy maximums ($100,000-$150,000) increase several per-incident benefit limits, including hospital room and board and surgical expenses.
Disadvantages
7 limitsFixed benefit plan - pays defined amounts per service, not 100% of actual charges
Medical expenses beyond the per-incident fixed limits are your responsibility
No trip cancellation or interruption coverage
Chronic or routine pre-existing condition management is not covered - only acute onset emergencies
Not available to US citizens or residents who have lived in the US for 365+ days
Pharmacy and dental providers are out-of-network - additional deductible may apply
How Much Does Safe Travels Advantage Insurance Cost?
The cost of Safe Travels Advantage Insurance ranges from $20 to $829 per month, depending on the traveler’s age, selected plan maximum, and deductible.
The table shows sample monthly rates based on a $0 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
Deductible: $0
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Safe Travels Advantage Insurance vs Competitor Travel Insurance
See how Safe Travels Advantage compares with other popular visitor insurance plans like Visitors Care (IMG), Visit USA Budget (Travel Insurance Services), and VisitorSecure (WorldTrips).
| Feature | Safe Travels Advantage | Visitors Care | Visit USA Budget | VisitorSecure |
|---|---|---|---|---|
| Max coverage | $150,000 | $100,000 | $150,000 | $130,000 |
| PPO network (USA) | First Health | UnitedHealthcare | Not Available | UnitedHealthcare |
| Pre-existing coverage | Acute onset covered up to age 89 | Acute onset covered up to age 70 | Acute onset covered up to age 99 | Acute onset covered up to age 70 |
| Out-of-network coinsurance | 80% | Not Available | Not Available | Not Available |
| Emergency evacuation | Up to the policy maximum | Up to the policy maximum | Up to $100,000 | Up to $50,000 |
| Renewable period | 364 days | 24 months | Not renewable | 364 days |
| Adventure sports rider | Not Available | Not Available | Not Available | Not Available |
| Deductible options | $0 | $0-$100 | $100-$250 | $0-$100 |
| AM Best rating | A (Excellent) | A- | A (Excellent) | A++ (Superior) |
| Explore Plan | View Plan » | View Plan » | View Plan » | View Plan » |
| Get Started | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now |
Safe Travels Advantage Insurance vs Competitor Plans - Summary
- Coverage: Safe Travels Advantage and Visit USA Budget offer the highest medical coverage at $150,000, followed by VisitorSecure ($130,000) and Visitors Care ($100,000).
- Pre-existing Conditions: Visit USA Budget provides the most extensive acute onset coverage (up to age 99), while Safe Travels Advantage covers up to age 89.
- PPO Network: Safe Travels Advantage uses the First Health PPO network, while Visitors Care and VisitorSecure provide access to the UnitedHealthcare PPO network.
- Out-of-Network Benefits: Safe Travels Advantage is the only plan offering 80% out-of-network coinsurance, providing greater provider flexibility.
- Emergency Evacuation: Safe Travels Advantage and Visitors Care include emergency evacuation up to the policy maximum, offering stronger protection than the competing plans.
- Renewability & Deductibles: Visitors Care offers the longest renewability (24 months), while Safe Travels Advantage stands out with a $0 deductible.
- Financial Strength: VisitorSecure has the highest AM Best rating (A++), while Safe Travels Advantage and Visit USA Budget are rated A (Excellent).
- Overall: Safe Travels Advantage delivers a strong balance of high coverage, PPO access, $0 deductible, out-of-network benefits, and comprehensive emergency evacuation, making it one of the best overall options in this comparison.
How Does Safe Travels Advantage Works
Even with cheap travel medical insurance, the coverage can be substantial. Suppose a 55-year-old visitor from India to the USA trips and breaks their leg. They chose the $50,000 plan with $0 deductible. Here's what happens:
| Service | Hospital bills | Plan pays | You pay |
|---|---|---|---|
| Deductible Paid once per policy period | $0 | $0 | $0 |
| Hospital room (3 nights) $3,000/day × 3 | $9,000 | $6,000 | $3,000 |
| Surgery | $15,000 | $5,000 (fixed limit) | $10,000 |
| Prescription Drugs | $400 | $350 | $50 |
| Diagnostics & X-rays | $1,000 | $750 | $250 |
| Ambulance | $800 | $650 | $150 |
| Total | $26,200 | $12,750 | $13,450 |
Disclaimer: We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
Important: As a fixed-benefit plan, the insured still owes $13,450 above the fixed benefit schedule. For full actual-charge coverage, consider Safe Travels USA Comprehensive.
Deductible paid once
Choose a $0 deductible - pay nothing before coverage kicks in. Applies once per policy period, not per visit.
80% co-insurance in-network
After the deductible, the plan pays 80% of eligible expenses; you pay 20%. Stay in-network and no co-insurance applies at all.
PPO reduces gap
In-network FirstHealth providers bill at negotiated rates, lowering both what the plan owes and your share. Note: pharmacies and dental are out-of-network only.
Safe Travels Advantage PPO Network - How It Works
If your insurance ID card displays the First Health logo, you can find in-network doctors and hospitals at:
You can find a provider in the USA by using the following link
- In-Network PPO Care: Plan pays 80% coinsurance per period for in-network treatment - more cost-effective for insured travelers.
- Pharmacies are Out-of-Network: No pharmacies are listed as in-network for First Health PPO. All pharmacy claims are treated as out-of-network - applicable deductible will apply.
- Dental Providers are Out-of-Network: All dental providers are considered out-of-network. Out-of-network deductible and coinsurance apply to eligible dental claims.
How Do I File a Claim With Safe Travels Advantage Insurance?
To file a claim with Safe Travels Advantage Insurance, follow these steps:
Safe Travels Advantage Insurance - FAQs
Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups. Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.
Related Safe Travels Insurance Plans
Not sure if Advantage is right for you? Explore these related Trawick International visitor insurance options.