Safe Travels Elite Insurance Reviews
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 365 days. This low-cost visitor insurance provides coverage for individuals aged 14 days to 89 years, starting from under $1/day. Safe Travels Elite offers seven distinct plan levels - Economy, Basic, Silver, Gold, and Platinum for ages 0–69, plus Diamond and Diamond Plus for ages 70–89. Each level offers increasing benefits to suit different budgets and medical needs. These are all fixed-benefit plans for non-U.S. residents visiting the U.S.
Trusted by thousands of American travelers every year
Safe Travels Elite 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.
Why Choose the Safe Travels Elite Travel Medical Insurance?
Safe Travels Elite Insurance is a fixed benefit, affordable US visitors insurance plan available to foreign visitors coming to the US. The plan is a limited accident and sickness plan offering policy maximum coverage options of $25,000, $50,000, $75,000, $100,000, and $175,000 for travelers up to age 69. This cheap US visitor medical insurance plan covers individuals from 14 days old up to age 89, with reduced Diamond ($50,000) and Diamond Plus ($100,000) options available for travelers ages 70-89.
One of the key advantages of Safe Travels Elite Insurance is its affordability combined with acute onset of pre-existing condition coverage, including cardiac conditions and stroke, up to the policy maximum for travelers under age 70. Coverage related to cardiac conditions or stroke is limited to $25,000 for ages up to 69 and $15,000 for ages 70-89. The policy also includes a Wellness visit covered up to $125 per visit, available within the first 21 days of the start date, if you purchase a minimum of 30 days of coverage.
Safe Travels Elite is best suited for visitors and Green Card holders looking for low-cost visitor insurance with pre-existing condition benefits, unlimited emergency medical evacuation on the Gold and Platinum tiers, and access to the First Health PPO network. However, as a fixed benefit plan, benefits are paid according to a schedule of covered expenses and may not cover the full amount billed by healthcare providers.
After buying the plan, Traveler can get all the plan documents and plan ID card by using Safe Travels Elite login. At American Visitor Insurance, US Travelers can contact the Safe Travels Elite customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Trawick International Safe Travels Elite 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, provided they haven't resided in the U.S. for more than 365 days before the policy's effective date.
Age Requirements
Covers travelers from 14 days old to 89 years old - full acute onset of pre-existing condition benefits apply up to age 69, with reduced Diamond/Diamond Plus benefits available through age 89.
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 Elite?
Why You Can Trust Safe Travels Elite 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 Key Benefits
Starting around $23/month with a $0 deductible for travelers up to 69 - one of the more competitively priced fixed-benefit plans for USA visitors.
Cardiac and stroke coverage is capped at $25,000 for ages 69 and under, dropping to $15,000 per policy period once a traveler turns 70.
Acute onset of a pre-existing condition is covered up to the full policy maximum through age 69, then steps down to $25,000 for ages 70-79 and $15,000 for ages 80-89 - extending eligibility all the way to age 89.
Pick from $25,000, $50,000, $75,000, $100,000, or $175,000 - moving up a tier also raises several of the plan's individual fixed benefit caps (urgent care, surgery, and more).
Evacuation is covered up to $100,000 on the Economy, Basic, and Silver tiers, and rises to Unlimited on the Gold and Platinum tiers.
Wellness visit covered up to $125 per visit, available within the first 21 days of the start date, if you purchase a minimum of 30 days of coverage.
COVID-19 and related medical expenses are processed the same as any other new sickness, with no special exclusion carved out.
Plan participants get access to the First Health PPO network nationwide; using an in-network provider generally lowers your out-of-pocket coinsurance costs compared to going out-of-network.
Coverage starts at just 5 days and can be renewed online in increments up to a 364-day total, with extensions available beyond that through Trawick.
Advantages & Disadvantages of Safe Travels Elite Insurance
Advantages
7 benefitsAffordable visitor insurance for the USA, with rates starting around $23/month.
Covers acute onset of pre-existing conditions, including cardiac conditions and stroke.
Available to travelers up to age 89 through the Diamond and Diamond Plus options.
Emergency medical evacuation covered up to Unlimited on the Gold and Platinum tiers.
Eligible for Green Card holders (with residency restrictions).
Direct billing available through the First Health PPO network.
Includes up to $125 for a wellness/well-doctor visit.
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 Insurance Cost Per Month?
The cost of Safe Travels Elite Insurance ranges from $22 to $134 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.
For senior travelers aged 70 to 89 years, Safe Travels Elite Diamond offers maximum coverage of $50,000 and $100,000 with $100, $200 deductible.
What Are the Different Types of Plans Offer by Safe Travels Elite Insurance?
Safe Travels Elite offers five plan tiers for travelers up to age 69 - Economy, Basic, Silver, Gold, and Platinum - plus two additional tiers, Diamond and Diamond Plus, for travelers ages 70 through 89. All are fixed-benefit plans for non-U.S. residents visiting the U.S.
| Feature | Economy | Basic | Silver | Gold | Platinum | Diamond (70-89) | Diamond Plus (70-89) |
|---|---|---|---|---|---|---|---|
| Age Eligibility | 0-69 | 0-69 | 0-69 | 0-69 | 0-69 | 70-89 | 70-89 |
| Max coverage | $25,000 | $50,000 | $75,000 | $100,000 | $175,000 | $50,000 | $100,000 |
| Deductible | $0 | $0 | $0 | $0 | $0 | $100 or $200 | $100 or $200 |
| Urgent Care | $55/visit | $75/visit | $75/visit | $100/visit | $130/visit | Reduced per schedule | Reduced per schedule |
| Emergency evacuation | $100,000 | $100,000 | $100,000 | Unlimited | Unlimited | $100,000 | $100,000 |
| Surgical Treatment | $3,500/incident | $5,000/incident | $5,000/incident | $6,000/incident | $7,500/incident | Reduced per schedule | Reduced per schedule |
| Acute onset of pre-existing | Up to policy maximum | Up to policy maximum | Up to policy maximum | Up to policy maximum | Up to policy maximum | $25,000 (70-79) / $15,000 (80-89) | $25,000 (70-79) / $15,000 (80-89) |
| Cardiac conditions/stroke | $25,000 | $25,000 | $25,000 | $25,000 | $25,000 | $15,000 | $15,000 |
| Highlights | Basic coverage for short, low-risk trips | Higher benefit limits than Economy | Balanced option with good inpatient benefits | Ideal for higher limits with unlimited evacuation | Premium coverage for longer or higher-risk trips | Entry-level option for older travelers | Higher coverage option for older travelers |
How Safe Travels Elite Insurance Plan 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 | $4,200 | $4,800 |
| Surgery | $10,000 | $3,500 (fixed limit) | $6,500 |
| Prescription Drugs | $500 | $250 | $250 |
| Diagnostics & X-rays | $700 | $450 | $250 |
| Total | $20,200 | $8,400 | $11,800 |
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 $0 deductible - pay nothing before coverage kicks in. Applies once per policy period, not per visit.
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 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 Elite Insurance?
To file a claim with Safe Travels Elite Insurance, follow these steps:
Safe Travels Elite Travel Medical Insurance - FAQ's
- Coverage for eligible medical expenses, including hospitalization, surgery, physician visits, and prescriptions.
- Acute onset of pre-existing conditions, including those related to cardiac disease.
- Wellness visit covered up to $125 per visit, available within the first 21 days of the start date, if you purchase a minimum of 30 days of coverage.
- The plan is available from 5 to 364 days.
- Access to doctors, hospitals, and urgent care through the First Health PPO network.
- COVID-19 covered like any other new illness.
- Before the policy's effective date: full refund.
- After the effective date, with no claims filed: partial refund for unused full months, minus a $25 cancellation fee.
- After a claim has been filed: the policy cannot be canceled.
Learn more »
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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 international travelers to the USA. These plans provide coverage for sudden flare-ups or acute onset of existing health conditions during your trip.