Safe Travels Elite Diamond Insurance Review 2026
Affordable fixed-benefit travel insurance designed specifically for senior visitors to the USA aged 70 to 89. Safe Travels Elite Diamond is the senior-eligible tier of Trawick International's Safe Travels Elite plan, built for foreign citizens and non-US residents - including Green Card holders returning for a visit - who need budget-friendly coverage with acute onset of pre-existing condition benefits. Choose between the Diamond tier ($50,000 policy maximum) or Diamond Plus ($100,000 policy maximum), both with $100 or $200 deductible options.
Trusted by thousands of American travelers every year
Safe Travels Elite Diamond is underwritten by Zurich Insurance Europe AG, Belgian branch - an A-rated insurer recognized for financial strength and a strong record of paying claims.
What is Safe Travels Elite Diamond Insurance?
Safe Travels Elite Diamond is the senior tier of Trawick International's Safe Travels Elite plan, built specifically for visitors to the USA aged 70 to 89 - a range where many comprehensive travel insurance plans either stop offering coverage or become significantly more expensive. It's a fixed-benefit (scheduled) accident and sickness plan, meaning it pays a defined dollar amount for each covered service rather than 100% of whatever a hospital bills, which is how it keeps monthly premiums low for older travelers.
The plan comes in two policy-maximum tiers: Diamond, with a $50,000 policy maximum, and Diamond Plus, with a $100,000 policy maximum. Both tiers offer $100 or $200 deductible options and include acute onset of pre-existing condition coverage on a reduced schedule for this older age band, along with cardiac and stroke coverage, emergency medical evacuation, and access to the First Health PPO network for lower out-of-pocket costs when using in-network providers.
Safe Travels Elite Diamond is best suited for families bringing parents or grandparents to visit the USA, Green Card holders returning for a trip, and any senior traveler who needs a straightforward, affordable plan rather than a full comprehensive policy. As with the standard Safe Travels Elite plan, it does not cover adventure sports, trip cancellation, or ongoing/chronic condition treatment - it's built for new illnesses, injuries, and the sudden, acute flare-up of an existing condition.
After buying the plan, travelers can access all plan documents and their ID card through the Safe Travels Elite Diamond client login. At American Visitor Insurance, licensed agents are available to help with plan details, quotes, or claims questions.
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 the USA plus other countries.
Green Card Holders
Eligible to purchase this plan when visiting the USA, provided they haven't resided in the U.S. for more than 365 days before the policy's effective date.
Age Requirements
Available exclusively for travelers aged 70 to 89. (Travelers under 70 should compare the standard Safe Travels Elite tiers instead.)
Coverage Duration
Available from 5 days up to 364 days per policy period. Renewable online before expiry.
Cancellation Policy
Before effective date: full premium refund. After effective date: a $25 cancellation fee applies, with a partial refund for unused full months if no claim has been filed.
Restrictions
Not available for travel to or in Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia, and other OFAC or restricted countries.
Who Should Buy Safe Travels Elite Diamond?
Why You Can Trust Safe Travels Elite Diamond Insurance?
- Underwriter: Zurich Insurance Europe AG, Belgian branch - a well-capitalized, established international carrier.
- 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, a licensed agency operated by Crossborder Services, LLC.
Safe Travels Elite Diamond Key Benefits
One of the more competitively priced fixed-benefit options for USA visitors aged 70-89, with a $0-deductible alternative structure not required - choose $100 or $200 to lower your premium further.
Cardiac and stroke conditions are covered under the acute onset benefit, giving older travelers with a cardiac history a meaningful safety net.
Acute onset of a pre-existing condition is covered on a reduced schedule appropriate to this senior age band - confirm exact current dollar tiers with an agent before purchase.
Choose Diamond ($50,000) for a lower premium or Diamond Plus ($100,000) for more coverage headroom - both share the same deductible options.
Evacuation coverage is included up to plan limits, an essential benefit for older travelers who may need transport to a better-equipped facility.
COVID-19 and related medical expenses are processed the same as any other new sickness, with no special exclusion carved out.
Nationwide access to in-network doctors and hospitals; using an in-network provider generally lowers your out-of-pocket coinsurance costs.
Coverage starts at just 5 days and can be renewed online in increments up to a 364-day total.
Pros & Cons of Safe Travels Elite Diamond Insurance
Advantages
6 benefitsFixed benefit plan - pays according to a benefit schedule rather than the actual billed charges, so out-of-pocket costs can still be significant for major claims
Acute onset of pre-existing condition and cardiac/stroke benefits are reduced compared to the standard (under-70) Safe Travels Elite tiers.
Does not cover adventure sports, with no rider available to add it.
Not available to US residents/citizens living in the US, or anyone who has resided in the US for more than 365 days.
Does not include trip cancellation or trip interruption coverage.
Does not cover chronic or ongoing condition management - only sudden, acute flare-ups.
Disadvantages
5 limitsFixed benefit plan, not comprehensive coverage - pays according to a benefit schedule rather than actual billed charges.
Acute onset of pre-existing condition benefit steps down at age 70 and again at age 80.
Does not cover adventure sports, and no adventure sports rider is available.
Not available to US residents/citizens living in the US, or anyone who has resided in the US for more than 365 days.
Does not include trip cancellation or trip interruption coverage.
How Much Does Safe Travels Elite Diamond Insurance Cost?
Safe Travels Elite Diamond costs typically range from around $103 to $683 per month, depending on the traveler's exact age within the 70-89 band, the policy maximum chosen (Diamond vs. Diamond Plus), and the deductible selected. As with all senior travel insurance, cost rises with age - a traveler in their early 70s will pay considerably less than a traveler in their late 80s for the same coverage tier.
Deductible: $100 and $200
| Age of traveler | Diamond ($50,000 max) | Diamond Plus ($100,000 max) |
|---|---|---|
| 70 - 74 years | From $103 | $105 |
| 75-79 years | $140 - $230 | $180 - $300 |
| 80-84 years | $230 - $400 | $300 - $500 |
| 85-89 years | $400 - $683 | $450 - $683+ |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Safe Travels Elite Diamond vs. Diamond Plus: What's the Difference?
| Feature | Diamond (70-89) | Diamond Plus (70-89) |
|---|---|---|
| Policy maximum | $50,000 | $100,000 |
| Deductible options | $100 or $200 | $100 or $200 |
| Age eligibility | 70-89 | 70-89 |
| Acute onset of pre-existing condition | Reduced schedule for ages 70-89* | Reduced schedule for ages 70-89* |
| Cardiac/stroke coverage | Capped per policy period* | Capped per policy period* |
| Emergency medical evacuation | Up to plan limit | Up to plan limit |
| PPO network | First Health | First Health |
| Best for | Budget-conscious seniors wanting a lower premium | Seniors wanting more coverage headroom for a modestly higher premium |
In short: Diamond Plus costs more per month but doubles your policy maximum from $50,000 to $100,000. For a senior traveler with a health history or one taking a longer U.S. trip, the extra headroom is often worth the premium difference - a single hospitalization can exceed $50,000 quickly at U.S. hospital rates.
Working Example of Safe Travels Elite Diamond Insurance for US Visitors
Suppose an 82-year-old visitor from India to the USA falls and breaks a hip. They chose the Diamond plan ($50,000 max) with a $100 deductible.
| Service | Hospital bills | Plan pays | You pay |
|---|---|---|---|
| Deductible Paid once per policy period | $100 | $0 | $100 |
| Hospital room (3 nights) $3,000/day × 3 | $9,000 | $4,500 | $4,500 |
| Surgery | $15,000 | $3,500 (fixed limit) | $11,500 |
| Diagnostics & X-rays | $1,000 | $450 | $550 |
| Total | $25,100 | $8,450 | $16,650 |
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.
Deductible paid once
Choose a $100 or $200 deductible - whichever you select applies once per policy period, not per visit or per claim.
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 Elite Diamond PPO Network - How It Works
If your insurance ID card displays the First Health logo, you can find in-network doctors and hospitals using the link below.
You can find a provider in the USA by using the following link
- In-Network PPO Care: Staying in-network generally lowers your coinsurance and out-of-pocket costs - especially important for seniors managing a fixed-benefit schedule.
- Pharmacies are Out-of-Network: All pharmacy claims are treated as out-of-network; the applicable deductible will apply.
- Dental Providers are Out-of-Network: All dental providers are considered out-of-network for this plan.
How Do I File a Claim With Safe Travels Elite Diamond Insurance?
To file a claim with Safe Travels Elite Diamond Insurance, follow these steps:
Trawick International Safe Travels Elite Diamond Insurance - FAQs
Need Coverage For Pre-Existing Conditions?
Discover how Safe Travels insurance plans offer travel insurance for pre-existing conditions and reliable visitor medical insurance for senior travelers to the USA.