Safe Travels Elite PPO Insurance
A fixed-benefit USA travel medical insurance plan from Trawick International, built for visitors, parents, and international travelers who want predictable, scheduled coverage backed by the First Health PPO provider network - with Safe Travels Elite PPO insurance available for travelers up to age 89.
What Is Safe Travels Elite PPO Insurance?
Safe Travels Elite PPO is a scheduled, fixed-benefit travel medical insurance plan underwritten by Zurich Insurance Europe AG (Belgian branch) and administered by Trawick International. Rather than paying a percentage of your medical bill, this USA travel medical insurance plan pays a set dollar amount for each covered service - such as a doctor's visit, hospital room and board, or ambulance ride - up to the limit shown on the Schedule of Benefits.
The plan is designed for non-U.S. citizens who live outside the United States and are traveling to the USA - or to the USA and other countries - to visit family, work, study, or explore. It is available in seven benefit tiers (Economy, Basic, Silver, Gold, Platinum, Diamond, and Diamond Plus), so you can choose the level of protection and per-incident maximum that fits your budget and health needs.
Coverage can be purchased for as few as 5 days and extended up to 364 days total, and Safe Travels Elite PPO gives travelers access to the First Health PPO network, one of the most widely recognized preferred-provider networks of doctors, hospitals, and urgent-care clinics in the United States.
Who Is Safe Travels Elite PPO Best Suited For?
Travelers with a pre-existing condition that has been stable for at least 30 days want protection against a sudden acute flare-up, not just first-onset coverage - Elite PPO's Diamond and Diamond Plus tiers are built specifically for ages 70-89.
With coverage available from just 5 days and extendable up to 364 total days, this plan fits everything from a short family visit to an extended stay, without paying for a full comprehensive plan.
Travelers who want the predictability of a scheduled, fixed-benefit plan and can choose a per-incident medical maximum from $25,000 up to $175,000 (ages 0-69), keeping premiums lower than a comprehensive plan.
Safe Travels Elite PPO 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. As a fixed-benefit plan, any charges above the scheduled amount for a service are the traveler's responsibility.
Why Buy Safe Travels Elite PPO Insurance?
Safe Travels Elite PPO is a fixed-benefit travel medical insurance plan for international travelers visiting the USA. It pays a scheduled dollar amount for covered medical services, up to a per-incident maximum of $175,000, with access to the First Health PPO network and meaningful protection for the acute onset of a stable pre-existing condition during your U.S. stay.
- check_circle Acute Onset of Pre-Existing Condition Benefit covers a sudden, unexpected flare-up of a condition that was stabilized for at least 30 days before your effective date, up to the policy maximum for ages 0-69 (cardiac/stroke limited to $25,000).
- check_circle 5-day minimum, extendable up to 364 days total per period of insurance - ideal for both short trips and extended family visits.
- check_circle Emergency medical evacuation up to $100,000 (Unlimited on Gold and Platinum), plus repatriation of mortal remains from $7,500 up to $25,000 depending on plan tier.
- check_circle Medical maximum choices from $25,000 to $175,000 per incident (ages 0-69), or $50,000/$100,000 annual maximum on the Diamond and Diamond Plus tiers (ages 70-89), with a $0 deductible on Economy through Platinum.
- check_circle Cardiac & Stroke Benefit, up to $25,000 for ages 0-69, 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 Physician Visits & Urgent Care covered at $55 to $130 per visit depending on tier, limited to one visit per day and 30 visits per policy period.
Safe Travels Elite PPO is one of Trawick International's most flexible fixed-benefit plans for visitors to the USA, offering seven benefit tiers, First Health PPO network access, a genuine Acute Onset of Pre-Existing Condition benefit, and solid evacuation protection for parents, seniors, and international travelers.
Who Is Eligible for the Safe Travels Elite PPO Plan?
- check_circle Non-U.S. citizens residing outside the USA and traveling to the USA (or the USA plus other countries).
- check_circle Travelers of any age up to 89 years old (coverage terminates at age 90).
- check_circle Green Card holders visiting the USA, provided they maintain a residence outside the U.S. and have not lived in the U.S. for more than 365 days prior to the effective date.
- check_circle Travelers who arrive in the USA before continuing on to other countries, if traveling on a multi-country itinerary.
- check_circle Not available for anyone age 90 or above, and not available to individuals who have resided in the USA for more than 365 days prior to the effective date.
Why Travelers Choose Safe Travels Elite PPO
A closer look at the core benefits that make Safe Travels Elite PPO insurance a popular, budget-friendly choice for inbound travelers to the USA.
Access a nationwide network of doctors, hospitals, and urgent-care clinics for lower coinsurance and simplified billing when you stay in-network.
Coverage up to the policy maximum for ages 0–69 (cardiac/stroke limited to $25,000); reduced limits apply for ages 70–89.
Medically necessary treatment for COVID-19 and its variants is covered the same as any other sickness, up to your medical maximum.
Benefits for emergency medical evacuation, medically necessary repatriation, and repatriation of mortal remains if the unexpected happens.
A well-doctor visit is covered up to $125 (one visit per Period of Insurance, restrictions apply) when at least 30 days of coverage is purchased.
Purchase an initial term of 5 days or more, then extend in increments up to a total of 364 days, subject to eligibility.
Can Safe Travels Elite PPO Be Extended?
Safe Travels Elite PPO 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 5 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 Elite PPO Insurance Cost?
The Safe Travels Elite PPO insurance cost per month ranges from $23 to $138 per month, depending on the traveler’s age, selected plan maximum, and deductible. Older travelers generally pay higher premiums, while higher plan limits increase costs and higher deductibles can lower them.
The table below shows sample Safe Travels Elite PPO insurance monthly rates with a $0 deductible.
Deductible: $0
For senior travelers aged 70 to 89 years, Safe Travels Elite PPO offers maximum coverage of $50,000 and $100,000 with $100, $200 deductible.
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
What Are the Benefits of Safe Travels Elite PPO Insurance Plan?
| Benefits | Economy | Basic | Silver | Gold | Platinum | Diamond | Diamond Plus |
|---|---|---|---|---|---|---|---|
| Medical Maximum per Incident | $25,000 | $50,000 | $75,000 | $100,000 | $175,000 | $50,000 | $100,000 |
| Deductible per Incident | $0 | $0 | $0 | $0 | $0 | $100 or $200 | $100 or $200 |
| Hospital Room and Board Expenses | $1,400/day(30-day max) | $2,000/day(30-day max) | $2,000/day(30-day max) | $2,000/day(30-day max) | $3,000/day(30-day max) | $1,500/day(15-day max) | $1,500/day(15-day max) |
| Hospital Intensive care unit | $2,100/day (10-day max) | $2,100/day (10-day max) | $2,100/day (10-day max) | $3,000/day (8-day max) | $4,500/day (8-day max) | $2,300/day (8-day max) | $2,300/day (8-day max) |
| Physician's Surgical Treatment | $3,500 per Incident | $5,000 per Incident | $5,000 per Incident | $6,000 per Incident | $7,500 per Incident | $3,500 per Incident | $3,500 per Incident |
| Anesthesiologist Expense | $850 per Incident | $850 per Incident | $1,200 per Incident | $1,400 per Incident | $1,400 per Incident | $1,800 per Incident | $850 per Incident |
| Assistant Physician’s Surgical Expenses | $850 per Incident | $850 per Incident | $1,200 per Incident | $1,400 per Incident | $1,400 per Incident | $1,800 per Incident | $850 per Incident |
| Physician’s NonSurgical Visits | $55/visit (1 visit/day;30 visits max) | $75/visit (1 visit/day;30 visits max) | $75/visit (1 visit/day;30 visits max) | $100/visit (1 visit/day;30 visits max) | $130/visit (1 visit/day;30 visits max) | $75/visit (1 visit/day;30 visits max) | $75/visit (1 visit/day;30 visits max) |
| Private Duty Nurse | $450 per Incident | $450 per Incident | $550 per Incident | $550 per Incident | $700 per Incident | $450 per Incident | $450 per Incident |
| Pre-Admission Test within 7 days of Admission | $1,100 per Incident within 7-day of Admission | $1,100 per Incident within 7-day of Admission | $1,100 per Incident within 7-day of Admission | $1,200 per Incident within 7-day of Admission | $1,500 per Incident within 7-day of Admission | $1,100 per Incident | $1,100 per Incident |
| Outpatient Surgical Facility | $1,000 per Incident | $1,000 per Incident | $1,150 per Incident | $1,275 per Incident | $1,400 per Incident | $1,000 per Incident | $1,000 per Incident |
| Physician's Surgical Treatment | $3,500 per Incident | $5,000 per Incident | $5,000 per Incident | $7,000 per Incident | $7,500 per Incident | $3,500 per Incident | $3,500 per Incident |
| Anesthesiologist Expense | $850 per Incident | $850 per Incident | $1,200 per Incident | $1,400 per Incident | $1,800 per Incident | $700 per Incident | $700 per Incident |
| Assistant Physician’s Surgical Expenses | $850 per Incident | $850 per Incident | $1,200 per Incident | $1,400 per Incident | $1,800 per Incident | $700 per Incident | $700 per Incident |
| Physician's Visits/Urgent Care | $55/visit (1 visit/day; 30 visits max) | $75/visit (1 visit/day; 30 visits max) | $75/visit (1 visit/day; 30 visits max) | $100/visit (1 visit/day; 30 visits max) | $130/visit (1 visit/day; 30 visits max) | $75/visit (1 visit/day; 30 visits max) | $75/visit (1 visit/day; 30 visits max) |
| Diagnostic X-rays and Lab Services | $450 per Incident | $750 per Incident | $750 per Incident | $750 per Incident | $1,000 per Incident | $750 per Incident | $750 per Incident |
| Chemotherapy &/or radiation therapy | $1,100 per Incident | $1,100 per Incident | $1,225 per Incident | $1,350 per Incident | $1,750 per Incident | $1,100 per Incident | $1,100 per Incident |
| Scans, PET scan or MRI | $650 per Incident | $650 per Incident | $875 per Incident | $1,050 per Incident | $1,300 per Incident | $650 per Incident | $650 per Incident |
| Emergency Room Sickness with no direct Hospital Admission | $350 ($200 Deductible per visit) | $500 ($200 Deductible per visit) | $500 ($200 Deductible per visit) | $600 ($200 Deductible per visit) | $800 ($200 Deductible per visit) | $500 ($200 Deductible per visit) | $500 ($200 Deductible per visit) |
| Emergency Room Injury/Accident or Sickness with direct Hospital Admission | $350 per Incident | $500 per Incident | $500 per Incident | $600 per Incident | $800 per Incident | $500 per Incident | $500 per Incident |
| Prescription drugs and medications | $250 per Incident | $350 per Incident | $350 per Incident | $350 per Incident | $350 per Incident | $250 per Incident | $250 per Incident |
| Consulting Physician | $450 per Incident | $450 per Incident | $550 per Incident | $550 per Incident | $700 per Incident | $450 per Incident | $450 per Incident |
| Well Doctor Visit | $125 - 1 visit | $125 - 1 visit | $125 - 1 visit | $125 - 1 visit | $125 - 1 visit | $125 - 1 visit | $125 - 1 visit |
| Dental Treatment for Injury of Sound Natural Teeth | $600 per Incident | $750 per Incident | $750 per Incident | $750 per Incident | $750 per Incident | $750 per Incident | $750 per Incident |
| Mental or Nervous Disorder | $5,000 per Incident | $5,000 per Incident | $5,000 per Incident | $5,000 per Incident | $20,000 per Incident (30-day max) | $5,000 per Incident | $5,000 per Incident |
| Physiotherapy Physical Medicine/ Chiropractic Expenses | $40/visit (1 visit/day; 12 visits max) | $50/visit (1 visit/day; 12 visits max) | $50/visit (1 visit/day; 12 visits max) | $60/visit (1 visit/day; 12 visits max) | $60/visit (1 visit/day; 12 visits max) | $50/visit (1 visit/day; 12 visits max) | $50/visit (1 visit/day; 12 visits max) |
| Initial Orthopedic Prosthesis/brace | $1,100 per Incident | $1,100 per Incident | $1,225 per Incident | $1,350 per Incident | $1,750 per Incident | $1,100 per Incident | $1,100 per Incident |
| Return to Home Country Coverag | $2,000 (Up to 30-days per 12 months purchased) | $2,000 (Up to 30-days per 12 months purchased) | $2,500 (Up to 30-days per 12 months purchased) | $2,500 (Up to 30-days per 12 months purchased) | $7,500 (Up to 90-days per 12 months purchased) | N/A | N/A |
| COVID-19, SARS-CoV-2 | Covered the same as any other Sickness | ||||||
| Inpatient Ancillary Hospital Services | Included under Hospital Room and Board | ||||||
| Benefits | Economy | Basic | Silver | Gold | Platinum | Diamond | Diamond Plus |
|---|---|---|---|---|---|---|---|
| Emergency Medical Evacuation | $100,000 | $100,000 | $100,000 | Unlimited | Unlimited | $50,000 ($25,000 Lifetime Maximum for Acute Onset over age of 80) | $50,000 ($25,000 Lifetime Maximum for Acute Onset over age of 80) |
| Medically Necessary Repatriation | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 | $15,000 |
| Political Evaluation | $500 | $500 | $1,000 | $1,500 | $2,000 | $500 | $500 |
| Natural Disasters Evacuation | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $15,000 | $15,000 |
| Return of Minor Children or Grandchildren | $5,000 | $5,000 | $7,500 | $7,500 | $10,000 | $5,000 | $5,000 |
| Repatriation of Mortal Remains | $7,500 | $7,500 | $10,000 | $10,000 | $25,000 | $7,500 | $7,500 |
| Local Burial/Cremation | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 | $5,000 |
| Common Carrier Accidental Death & Dismemberment (AD&D) | $25,000 | $25,000 | $35,000 | $35,000 | $35,000 | N/A | N/A |
| Felonious Assault AD&D | $5,000 | $5,000 | $7,500 | $7,500 | $10,000 | $5,000 | $5,000 |
| Travel Assistance | Included | Included | Included | Included | Included | Included | Included |
| Benefits | Economy | Basic | Silver | Gold | Platinum | Diamond | Diamond Plus |
|---|---|---|---|---|---|---|---|
| Acute Onset of Pre-Existing Condition Expenses | Up to Medical Maximum (Coverage related to Cardiac Conditions or Stroke are limited t0 $25,000) | Up to Medical Maximum (Coverage related to Cardiac Conditions or Stroke are limited t0 $25,000) | Up to Medical Maximum (Coverage related to Cardiac Conditions or Stroke are limited t0 $25,000) | Up to Medical Maximum (Coverage related to Cardiac Conditions or Stroke are limited t0 $25,000) | Up to Medical Maximum (Coverage related to Cardiac Conditions or Stroke are limited t0 $25,000) | $25,000 (ages 70-79), $15,000 (ages 80+) Coverage related to Cardiac Conditions or Stroke are limited to $15,000 | $25,000 (ages 70-79), $15,000 (ages 80+) Coverage related to Cardiac Conditions or Stroke are limited to $15,000 |
| Cardiac Conditions and Stroke Expenses | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $15,000 | $15,000 |
Safe Travels Elite 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
- Fixed-Benefit Plan, Not Coinsurance: Safe Travels Elite PPO pays a scheduled, fixed dollar amount per covered service (shown on your Schedule of Benefits), rather than a percentage of the bill. Using a First Health PPO in-network provider still helps by simplifying billing and reducing the chance of balance billing above the negotiated rate.
- 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, and the applicable deductible will apply.
- Dental Providers are Out-of-Network: All dental providers are considered out-of-network. The out-of-network deductible applies to eligible dental claims for injury to sound natural teeth.
How Does Safe Travels Elite PPO Insurance Work?
Choose your plan tier - Economy, Basic, Silver, Gold, Platinum, Diamond, or Diamond Plus - based on your desired medical maximum, then purchase Safe Travels Elite PPO before you leave your home country. Coverage can be purchased for as little as 5 days.
If you get sick or injured - including a sudden acute onset of a stable pre-existing condition or COVID-19 - visit a First Health PPO in-network provider where possible for smoother, direct billing.
For inpatient hospitalization, surgery, or a surgical procedure, call Trawick's plan administrator to pre-certify. Skipping this step cuts eligible benefits by 50%.
Economy through Platinum tiers have a $0 deductible; Diamond and Diamond Plus (ages 70-89) apply a $100 or $200 deductible. After any applicable deductible, the plan pays the scheduled, fixed dollar amount shown on the Schedule of Benefits for each covered service, up to your selected medical maximum. Any amount charged above the scheduled benefit is your responsibility.
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 Elite PPO: What's Covered vs. Excluded
Generally Covered
5 benefitsAccident and sudden sickness medical expenses, per the Schedule of Benefits
Acute onset of a pre-existing condition (subject to age-based limits and conditions)
COVID-19 and SARS-CoV-2 treatment, same as any other sickness
Emergency medical evacuation, political and natural disaster evacuation
Dental treatment for injury to sound natural teeth
Typically Excluded / Limited
4 limitsRoutine, chronic, or elective care not related to an acute onset event
Travel to sanctioned or restricted countries (e.g., Cuba, Iran, North Korea, Syria, Russia and others under OFAC restrictions)
Charges above the fixed/scheduled benefit amount shown for each service
Treatment obtained without required pre-certification (subject to a 50% reduction)
Trawick International Safe Travels Elite PPO Insurance - FAQs
Why Buy Safe Travels Elite PPO 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 Elite PPO plan online in minutes.
- check_circleEasy Plan Comparison and Purchase: Buy Safe Travels Elite PPO Insurance online through American Visitor Insurance while reviewing plan details, understanding your medical maximum and deductible options across all seven tiers, 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 Acute Onset of 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).