Safe Travels Complete Insurance
Safe Travels Complete is a USA visitor insurance plan designed for non-U.S. citizens traveling to the United States. It offers coverage for eligible medical expenses and stable pre-existing conditions, with policy maximums up to $1 million and separate limits and deductibles for pre-existing conditions.
What is Safe Travels Complete Insurance?
Safe Travels Complete insurance is a new travel medical insurance plan from Trawick International, designed specifically for non-U.S. citizens who live outside the United States and are traveling outside their home country to visit the USA. As a Trawick Safe Travels Complete plan, coverage must be purchased before departure, and you need to arrive in the U.S. before visiting any other country during your trip.
What sets this visitor insurance for the USA apart from a typical policy is the Stable Pre-Existing Condition Benefit. Instead of only paying for a health condition the very first time it ever appears, this stable pre-existing condition travel insurance looks at whether your condition was stable for the 90 days right before your coverage started - no hospital stay, no ER visit, no dosage change, and no surgery recommendation. If it was stable and then flares up suddenly and without warning, eligible expenses are covered up to your chosen Pre-Existing Condition Medical Maximum.
On top of that, Safe Travels Complete includes emergency medical evacuation, repatriation of mortal remains, accidental death coverage, and COVID-19 treatment handled the same as any other sickness - with medical maximums scaling all the way up to $1,000,000 per period of insurance, making it one of the more comprehensive Trawick International travel insurance options for visitors to the USA.
Who Is Safe Travels Complete Best Suited For?
Travelers with a managed condition - like diabetes, hypertension, or heart disease - that has been stable for 90 days want real protection if it suddenly flares up, not just first-onset coverage.
With extensions available up to 364 total days, this plan fits visitors staying for an extended family visit, childbirth support, or a long sabbatical in the U.S.
Travelers who want the option of a $60,000 or $1,000,000 medical maximum, rather than being capped at a lower fixed-benefit amount.
Safe Travels Complete is not available to anyone age 90 or older, and it is not intended for travelers whose primary purpose is to seek treatment for a pre-existing condition. A 90-day minimum premium applies to every policy.
In plain terms: If a parent or relative visiting you in the U.S. has a well-managed condition like diabetes, hypertension, or a heart condition that has been stable for at least 90 days, Safe Travels Complete gives them a real safety net if that condition suddenly flares up while they're here - something many standard visitor insurance plans do not offer.
Why Buy Safe Travels Complete Insurance?
Safe Travels Complete is a comprehensive travel medical insurance plan for international travelers visiting the USA. It provides medical coverage up to $1,000,000 with flexible options and meaningful protection for a stable pre-existing condition during your U.S. stay.
- check_circle Stable Pre-Existing Condition Benefit covers a sudden, unplanned flare-up of a condition that was stable for 90 days before your effective date, up to your chosen Pre-Existing Condition Medical Maximum.
- check_circle 90-day minimum premium, extendable up to 364 days total per period of insurance - ideal for extended family visits and long-term stays.
- check_circle Emergency medical evacuation up to $20,000, plus repatriation of mortal remains up to $50,000.
- check_circle Medical maximum choices from $60,000 to $1,000,000, with deductible options from $250 to $5,000 per period of insurance.
- check_circle Cardiac & Stroke Benefit, Up to $25,000 for ages up to 69, or $15,000 for ages 70–89, per period of insurance.
- check_circle COVID-19 coverage treated like any other sickness, up to your selected medical maximum.
- check_circle Urgent Care or Walk-In Clinic visits $25 copay in-network / $50 out-of-network, not subject to the deductible.
Safe Travels Complete is one of the most comprehensive Trawick International plans for visitors to the USA, offering high medical maximums, a genuine Stable Pre-Existing Condition Benefit, and strong evacuation protection for parents, seniors, and international travelers.
Who Is Eligible for the Safe Travels Complete Plan?
- check_circleNon-U.S. citizens who reside outside the United States and are traveling outside their home country to visit the USA
- check_circleCovers travelers up to 89 years of age; not available to anyone age 90 or older
- check_circleCoverage must be purchased before departure, and you must arrive in the USA before traveling to any other country
Can Safe Travels Complete Be Extended?
Safe Travels Complete can be extended online before your period of insurance ends, in increments of at least 5 days, up to a combined maximum of 364 days total, provided the plan was originally purchased for a minimum of 90 days. Extensions are charged at the premium rate in force at the time of the extension, and there are no grace periods for extending coverage.
Extend Now →
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.
Understanding the Stable Pre-Existing Condition Benefit
A Pre-Existing Condition is any illness, injury, or condition that existed - diagnosed or not - at any time during the three years before your coverage effective date.
Under Safe Travels Complete, that condition is treated as Stable if, in the 90 days immediately before your effective date, it did not require hospitalization or emergency treatment, did not suddenly get worse, was not the subject of a doctor's recommendation for surgery, and did not require a material change in treatment (a new medication, a meaningful dosage increase, or a new course of treatment).
If your condition qualifies as stable and then has a sudden, unplanned recurrence or acute exacerbation after your coverage begins, eligible medical expenses are covered up to your chosen Pre-Existing Condition Medical Maximum, after your Pre-Existing Condition Deductible.
- A sudden, unplanned flare-up of a condition that was stable for 90 days before your effective date
- Treatment that is medically necessary and cannot reasonably be delayed
- Separate episodes, each following medical stabilization from the last, supported by medical records
- Routine or maintenance care, scheduled visits, or elective procedures
- Treatment recommended, or reasonably foreseeable, before your effective date
- Ongoing treatment without evidence of a sudden, unplanned change
- Dialysis, long-term rehabilitation, or custodial care
- Trips undertaken primarily to seek treatment for a pre-existing condition
What Are the Benefits of Safe Travels Complete Insurance Plan?
| Medical Expenses | Up to the Policy Maximum Selected $60,000, $250,000, $500,000, or $1,000,000 per Period of Insurance |
| DEDUCTIBLE PER PERIOD OF INSURANCE | $250, $500, $1,000, $2,500, or $5,000 |
| Co-Insurance Per Period if Insurance | 80% In Network / 60% Out of Network |
| Hospital Room and Board including Intensive Care Unit | $20,000 Maximum $15,000 Pre-Existing Conditions Limit |
| Hospital Ancillary Services | $20,000 Maximum $15,000 Pre-Existing Conditions Limit |
| Cardiac Conditions and Stroke per Period of Insurance | $25,000 Maximum up to age 69 $15,000 Maximum for ages 70 to 89 |
| HOSPTIAL Emergency Room | $20,000 Maximum $15,000 Pre-Existing Conditions Limit Emergency Room Sickness with no direct Hospital Admission - $7,500 Pre-Existing Conditions Limit |
| Physician’s Surgical Treatment | Covered $15,000 Pre-Existing Conditions Limit |
| Outpatient Surgical Facility | Covered |
| Consulting Physician | Covered |
| Anesthesiologist | Covered |
| Diagnostic Laboratory & Radiology | Covered |
| Pre-Admission Tests | Covered within 7 days of Admission |
| Urinary tract infection - For Diagnosis And treatment | $2,000 Maximum per Period of Insurance |
| Emergency medical treatment of pregnancy | $1,000 Maximum per Period of Insurance |
| Urgent Care or Walk in Clinic Visit | $25 In Network / $50 Out of Network Not Subject to Deductible |
| Physician Visits | Covered |
| Physiotherapy, Physical Medicine, Chiropractic | $50 per visit up to a maximum of $500 per Period of Insurance (must be prescribed by a Physician) |
| Prescription drugs and medications | $50 per prescription up to a maximum of $500 per Period of Insurance (must be prescribed by a Physician) |
| Dental Treatment for Injury of Sound Natural Teeth due to Accident | $250 per Period of Insurance |
| COVID, SARS-CoV-2 | Medically Necessary Treatment for COVID, SARS-CoV-2, and any mutation or variation of SARS-CoV-2 up to the maximum |
| Wheelchair or hospital-type bed rental | $250 per Period of Insurance |
| Ambulance Service | Covered |
| Pre-Certification | Required for certain treatments; a 50% reduction in eligible expenses applies if not obtained |
| Mechanical equipment rental for treatment of respiratory paralysis | Covered |
| Emergency Medical Evacuation | $20,000 per Period of Insurance |
| Emergency Reunion | Up to $15,000 per Period of Insurance |
| Repatriation of Mortal Remains | Up to $50,000 per Period of Insurance |
| Accidental Death & Dismemberment | $25,000 Principal Sum |
| Non Insurance Assistance Services | Included at no extra cost (non-insurance benefit) |
| STABLE PRE-EXISTING CONDITION | Covered subject to limits and exclusions |
| Pre-Existing Condition Medical Maximum Per Period of Insurance | $20,000, $25,000, $30,000, $40,000, or $50,000 |
| Pre-Existing Condition Deductible Per Period of Insurance | $1,500, $2,000, $2,500, $5,000, or $10,000 |
How Safe Travels Complete Differs From Standard Acute-Onset Plans
Most visitor insurance plans, including several other Trawick Safe Travels plans, only pay for a pre-existing condition the very first time it becomes acute after your policy starts - often called "acute onset." Safe Travels Complete uses a different standard: stability in the 90 days before you leave home.
| Feature | Safe Travels Complete | Typical Acute-Onset Plan |
|---|---|---|
| Pre-existing condition standard | Stable for 90 days before effective date | First-ever acute, life-threatening onset only |
| Multiple flare-ups per period | Possible, if medically stabilized between episodes and separately documented | Usually limited to a single event |
| Pre-existing condition maximum | Choice of $20,000 - $50,000, separate from the medical maximum | Often a small fixed sub-limit |
| Medical maximum options | $60,000 up to $1,000,000 | Varies by plan, often lower ceiling |
| Cardiac / stroke sub-limit | Up to $25,000 (ages up to 69) or $15,000 (ages 70 - 89) | Varies, sometimes excluded outright |
This comparison is a general guide to coverage design, not a quote. Always compare the current Certificate of Coverage for any plan before you buy.
PPO Networks - Finding a Doctor
Safe Travels Complete uses the UnitedHealthcare Direct network. Visiting an in-network provider means your plan pays 80% of eligible expenses after your deductible; out-of-network care is reimbursed at 60%. Always confirm network participation directly with the provider or hospital before treatment, and call the 24/7 assistance line for help locating a nearby in-network facility.
How Does Safe Travels Complete Insurance Works?
Choose your medical maximum, deductible, and Pre-Existing Condition limits, then purchase Safe Travels Complete before you leave your home country. A 90-day minimum premium applies.
If you get sick or injured - including a sudden flare-up of a stable pre-existing condition or COVID-19 - visit a UHC Direct in-network provider where possible to reduce your out-of-pocket cost.
For non-emergency hospital admissions and certain treatments, call Trawick's assistance line to pre-certify. Skipping this step cuts eligible benefits by 50%.
After your selected deductible, the plan pays 80% of eligible expenses in-network (60% out-of-network) up to your medical maximum, or your Pre-Existing Condition maximum for a covered flare-up.
Request an extension online before your period of insurance ends - in increments of at least 5 days, up to a combined maximum of 364 days.
Safe Travels Complete Insurance Cancellation Policy
A full refund is available only if you request cancellation on or before your coverage effective date.
- No claims filed: A $50 cancellation fee applies, and only the premium for unused days beyond your initial 90-day minimum period is refundable.
- Claim filed: Your premium is considered fully earned and is non-refundable.
Is Safe Travels Complete Right for You?
Safe Travels Complete Insurance Advantages
4 benefitsStable Pre-Existing Condition Benefit goes beyond typical acute-onset coverage
Medical maximums up to $1,000,000, with five deductible options
COVID-19 covered the same as any other sickness
Extendable up to 364 total days
Safe Travels Complete Insurance Disadvantages
3 limits90-day minimum premium - not ideal for very short trips
Pre-existing condition benefit still excludes routine or foreseeable care
Not available to travelers age 90 or older
Trawick International Safe Travels Complete Insurance - FAQs
Why Buy Safe Travels Complete Insurance Through American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right travel medical insurance for visitors to the USA with confidence and purchase your Safe Travels Complete plan online in minutes.
- check_circleEasy Plan Comparison and Purchase: Buy Safe Travels Complete Insurance online through American Visitor Insurance while reviewing plan details, understanding your medical maximum and deductible options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
- check_circleHelpful Resources for Better Decisions: We offer detailed FAQs, a blog, and guides based on real customer questions - including how the Stable Pre-Existing Condition Benefit works. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
- check_circleExperienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right Trawick International plan.
- check_circleSupport When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
- check_circleLicensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).