Safe Travels Elite Travel Insurance Reviews

Scheduled travel insurance for NON-US Citizens traveling to the USA. Pays fixed amount for each medical service.

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Trawick International Safe Travels Elite insurance

Who does the plan cover: Safe Travels Elite Insurance is a fixed benefit affordable US visitors insurance which is available to cover the foreign visitors citizens coming to the US. The plan does not cover US residents and citizens living in the US for more than 364 days. This cheap US visitor medical insurance plan covers individuals from age 0 up to the age of 89.

What does the plan cover: The plan is a limited accident and sickness plan and provides policy maximum coverage with the options of $25,000, $50,000, $75,000, $100,000 and $175,000. Deductible of $0 for people from age 0 to 69 and $100 or $200 from ages 70 to 89. Covid related expenses are covered and are treated as any other sickness. It is renewable.

Where does it cover: The plan covers the US and other countries worldwide. The insured must arrive in the US first before traveling to other countries.

Safe Travels Elite insurance reviews

Insurance provider
Trawick International
Safe Travels Elite rating
AM Best Rating: “A (Excellent)”
Safe Travels Elite underwriter
Crum & Forster SPC
Deductible options
$0
Policy maximum
  • Economy: $25k
  • Basic: $50k
  • Silver: $75k
  • Gold: $100k
  • Platinum: $175k
Plan life
5 days to 364 days, it can be Renewable
Safe Travels Elite can be renewed online

Key benefits of Safe Travels Elite

Parents Visiting USA

Fixed plan

Pre-existing conditions

PPO network

Renewability

Plan Life

Safe Travels Elite Links

  • Brochure
  • Details
  • Advantages
  • Disadvantages
  • Claims
  • Client Zone
  • Provider network
  • Comprehensive

Safe Travels Elite Insurance - Plan Benefits

  • This is a fixed benefits insurance plan from Trawick International and is available as Economy, Basic, Silver, Gold and Platinum with different policy maximum options for each.
  • The plan provides Emergency Medical Evacuation of $100,000 for the Economy, Basic and Silver plan and covers up to policy maximum for the Gold and the Platinum plan.
  • Plan covers Well Doctor visit for $75 per visit per policy period. The visit must occur within 21 days from the effective days of coverage and a minimum of 30 days of coverage need to be purchased to be eligible for this benefit.
  • Acute onset of pre-existing condition is covered up to policy maximum up to the age of 69.
  • Repatriation of Remains is covered for up to $7,500 with the Economy and Basic plans, up to $10,000 in Silver, up to $20,000 in Gold plan and up to $25,000 in the Platinum plan.
  • Mental, Nervous and substance abuse is covered for up to $5000 with all the plans except for the Platinum plan which provides up to $20,000 for 30 days max.
  • Chemotherapy or Radiation therapy is covered with highest coverage being $1,750 with the Platinum plan and the lowest being $1,100 with the Economy and Basic plans
Key Highlights of Safe Travels Elite

Safe Travels Elite Insurance - Key Highlights

  • Safe Travels Elite plan is available for Non US citizens coming to the US and worldwide.
  • This plan is available for green card holders.
  • This travel insurance plan is eligible for people from 14 days to 69 years of age to purchase.
  • This elite plan has a $0 deductible.
  • Visitors insurance plan is renewable up to 24 months and has a maximum lifetime of 364 days.
  • Travel health insurance plan covers Well Doctor visit for $75 per visit per policy period. The visit must occur within 21 days from the effective days of coverage and a minimum of 30 days of coverage need to be purchased to be eligible for this benefit.
  • Acute onset of pre existing condition is covered up to policy maximum up to the age of 69. For the age range of 70-79, $35,000 is the available coverage and $15,000 for age range of 80-89 per policy period subject to sub limits as mentioned( For cardiac related coverage, it is limited to $25,000 up to 69 years and $15,000 for 70 and above).
  • Safe Travels Elite plan provides coverage for COVID-19 which makes it the most sought plan during current times

A working example of using Safe Travels Elite *

Let us take an example: The medical bill is $25,000; Deductible is $100 and choosen Policy Maximum is $50,000.
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Total medical expenses is $25,100
The Safe Travels Elite plan covers clearly defined amounts for different medical situations up to a medical maximum coverage ($50,000). The insured must pay the deductible ($100). After that, the insurance plan pays fixed amount as defined in the policy for specific treatment. In this hypothetical example described in the table, the insured has to pay $16,600. This is the difference between the fixed amount the insurance pays and the actual billed amount.
Expense Amount billed Amount Insurance Pays Amount Insured Owes
Deductible $100 $0 $100
Hospital Room Rent $9,000 ($3,000 * 3 for 3 days) $4,200 ($1,400 * 3 for 3 days) $4,800
Surgery $15,000 $3,500 $11,500
X Ray $1,000 $800 $200
Total $25,100 $8,500 $16,600
* 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.
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Safe Travels Elite Insurance Information

  • Safe Travels Elite Insurance Advantages

    • Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.
    • This travel insurance plan is eligible for people from 14 days to 69 years of age to purchase.
    • It is a fixed benefit plan.
    • Safe Travels Elite plan is available for green card holders.
    • Good provider network.
    • It offers pre-existing condition coverage.
  • Safe Travels Elite Insurance Disadvantages

    • The plan does not offer coverage for people above the age of 69 years
    • The policy maximum for these plans with five variants is $175,000 being the highest policy maximum coverage.
    • The benefits of the plan are specific amounts that are mentioned in the brochure and are fixed. If the claim expense is beyond the given specific amount, the insurance will not cover it
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Safe Travels Elite Insurance - Common Questions

Safe Travels Elite Insurance - FAQ's

01. Does Trawick International Safe Travels Elite Insurance cover covid? Does Safe Travels Elite Insurance cover coronavirus

Trawick International offers coverage for Covid19 illness. The Safe Travels Elite travel insurance covers Covid19 for coronavirus and will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. The eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

02. What are the different Trawick international insurance plans?

Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:

  • Safe Travels USA Comprehensive
  • Safe Travels USA Cost Saver
  • Safe Travels Voyager
  • Safe Travels Journey
  • Safe Travels Elite
  • Safe Travels Outbound
  • Safe Travel International
03. What is the coverage area of Trawick international travel insurance?

Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.

04. How much does Trawick international travel insurance cost?

The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.

05. How do I purchase Trawick international travel medical Insurance?

You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travels Elite. you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.

06. What are the requirements for purchasing Trawick international insurance?

The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.

07. How do I cancel a Safe Travels Elite Insurance from Trawick International?

For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

Cancellation before effective date:

  • A full refund would be considered

Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company, then
    • a cancellation fee of US $25 will be charged;
    • only full month premiums will be considered as refundable;
  • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

08. What is the advantage of buying Safe Travels Elite?

Safe Travels Elite Insurance is an affordable Covid19 travel insurance. Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

09. Who is eligible to enrol in the Safe Travels Elite travel insurance plan by Trawick international ?

The SafeSafe Travels Elite travel insurance plan by Trawick international is available for foreign residents visiting USA and worldwide and for travelers up to the age of 69 years

10. Is Trawick International a good insurance company? Is Trawick International a reliable insurance company

Trawick International insurance is one of the most renowned US travel insurance company that was established in 1998. Trawick international offers a variety of International travel insurance, trip cancellation, Trip interruption and student insurance plans. Trawick insurance has been awarded with the highest honors from Forbes Advisor to be ranked first to be the Best Travel Insurance Companies. Trawick international insurance offers plans to meet diverse requirements with a premium to meet any budget.

The travel insurance covers offered by Trawick International are perfect for employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips and vacationers. Travelers can customize Trawick insurance plans to cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay and lost baggage. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.

11. Is there coverage for Covid-19 illness in Trawick International travel insurance?

Yes, Trawick international covid insurance is offered as short term comprehensive travel health insurance for covid as any other illness to international visitors to the USA and for US citizens traveling outside of the US borders. The Trawick Covid insurance coverage is given irrespective of the variant contracted.

12. Is there a Cancel for any reason insurance cover with Trawick International travel insurance?

Cancel for any reason can be included at an additional cost with the Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans by Trawick International.

13. Is Trawick International insurance a legit company?

Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.

14. Can I purchase travel insurance from Trawick International?

Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.

15. What cover does Trawick International offer in Covid travel insurance? Does Trawick covid insurance have Quarantine coverage for US travelers?

Trawick International covid insurance is offered to cover coronavirus illness just like any other illness in their Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans. Trawick covid insurance coverage for quarantine related or accommodations due to a covered Trip Delay and an optional upgrade can also be included at an additional cost. The quarantine order should be based on the positive Covid-19 test report. Trawick international covid insurance quarantine coverage is not available in the home country.

16. Why should I buy travel insurance from Trawick International?

Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.

17. Safe Travels insurance covid19

“Including medically necessary treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV”

18. Which travel insurance is best for the USA?

There is no one plan which is best for all travelers. International travelers compare Visitors travel insurance to find the plan that best fits their needs. Different travelers have different coverage that they need. So, it depends upon the travelers' requirements and if the plan has those benefits available. Some of the basic and common benefits that the travel insurance covers are medical emergencies, trip interruption, lost luggage, emergency medical evacuation and repatriation.

Some of the best travel insurance plans offered by Trawick International are:

19. Is Safe Travels Elite Insurance good for travelers going to the USA?

Safe Travels Elite is a visitor health insurance plan available for Non US residents traveling to the US. This is a fixed plan and it is available for travelers up to 89 years of age. Remember that this plan is NOT available for US citizens, US residents and Green Card holders in the US. Plan is available for a minimum of 5 days and a maximum of 364 days.

The policy maximum options available with this plan are $25K, $50K, $75K, $100K, $175K per incident with the choice of 6 plans Economy, Basic, Silver, Gold, Platinum respectively. The Diamond plan and the Diamond Plus plans offer policy maximum of $50K for annual period and $100K for annual period respectively

20. What does the Safe Travels Elite Insurance cover?

Safe Travels Elite is a fixed benefit plan that provides medical coverage for unexpected sickness and injuries and it is a per illness coverage plan.

The plan provides coverage for the following:

  • Hospital and Board expenses
  • Covid-19 treatment
  • Inpatient hospital services
  • Outpatient surgical facility
  • Physician visits
  • Emergency room visit with/without hospital admission
  • Acute onset of pre existing condition
  • Prescription and medication
  • Dental treatment due to injury
  • Mental or nervous disorder and substance abuse treatment
  • Well doctor visit
  • Return to home coverage
  • Medically necessary repatriation
  • Political Evacuation
  • Evacuation due to Natural disaster

brochure of the plan clearly specifies the amount the plan covers for each kind of coverage listed above and more.

21. Does the Safe Travels USA Insurance cover pre-existing conditions?

The plan covers Acute onset of pre-existing condition per policy period subject to the sub limits for each benefit listed. For ages up to and equal to 69, the plan pays up to the medical policy maximum per period of coverage except for coverage related to cardiac conditions which is limited to $25K for ages up to and including 69 and $15K for 70 and above. For travelers between 70 – 79 years, the acute onset coverage is reduced to $35K. Upon attaining 80, it is reduced to $15K and $25K maximum lifetime limit for emergency medical evacuation

Travel Insurance for Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions

  1. Choose a Visitor insurance for pre-existing conditions plan
  2. Read the policy document carefully to understand the coverage.
  3. Be informed of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage.

Trawick International Pre-existing conditions travel insurance

Safe Travels Elite plan from Trawick International offers Acute onset of Pre-existing condition coverage up to 89 years and Safe Travels USA Comprehensive plan offers Acute onset of Pre-existing condition coverage up to 69 years. Safe Travels USA and Safe Travels USA Cost Saver cover unexpected recurrence of a pre-existing medical conditions up to $1000 for age up to 89 years for residents visiting USA and worldwide.

For Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1k. Another plan Safe Travels Outbound has a pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition up to a clearly defined limit in the policy document. All of these details can be best understood by comparing visitors insurance for pre-existing conditions plans and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor medical insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance for pre-existing conditions coverage will depend on all these factors.

Pre-existing conditions coverage - FAQ's

01. How do I know if my pre-existing condition is covered by travel insurance?

Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Safe Travels Voyager, Safe Travels Single Trip Protection, Safe Travels First Class Trip Protection, Safe Travels Explorer Plus and Safe Travels Journey plans and they can cover pre-existing medical condition exclusion waiver. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.

Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for acute onset of pre-existing conditions. It is Trawick International’s Safe Travels USA Comprehensive.

Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.

Trawick International’s Safe Travels USA Comprehensive covers Acute onset of Pre-existing condition coverage up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years and $15,000 for ages 70 and above. Above 70 years the Acute Onset benefits is reduced to a Maximum of $35k, with a $25k Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute onset of Pre-existing condition coverage and will not be eligible for additional coverage.

02. Do Trawick International travel insurance plans cover pre-existing conditions?

Safe Travels USA Comprehensive and Safe Travels Elite from Trawick International offers acute onset of Pre-existing condition coverage up to 89 years, Safe Travels USA and Safe Travels USA Cost Saver covers unexpected recurrence of a pre-existing medical conditions up to $1k for age up to 89 years for residents visiting USA and worldwide. For the Non-US citizens traveling outside their home country excluding the US Safe Travels International and Safe Travels International Cost saver covers unexpected recurrence of a pre-existing medical conditions up to $1k. Another plan Safe Travels Outbound have pre-existing conditions look back period up to 6 months for US citizens and US residents traveling outside of the US.

03. What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

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What are some insurance terms important in Safe Travels Elite reviews?

  • Plan Maximum coverage of Safe Travels Elite travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Safe Travels Elite insurance offers plan maximum options of $25,000, $50,000, $75,000, $100,000, $175,000 are available.
  • What is a deductible in Safe Travels Elite visitors insurance?
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Safe Travels Elite insurance has deductible option is $0.
  • What is a provider network of Safe Travels Elite Medical Insurance?
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Renewability of Safe Travels Elite Travel health insurance
    Safe Travels Elite Insurance can be renewed from 5 days to 364 days, it can be Renewable.
  • Eligibility to buy Safe Travels Elite Insurance Online
    It is ideal for persons traveling to North America from other countries.

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