Safe Travels International Insurance Review 2026
Safe Travels International is Trawick International's comprehensive worldwide travel medical insurance plan for non-US citizens traveling outside their home country to destinations other than the United States. It's built to satisfy Schengen visa insurance requirements, offers coverage up to $1,000,000, and includes a genuine (if limited) pre-existing condition benefit - making it one of the more frequently searched Trawick International reviews among global travelers.
Trusted by thousands of American travelers every year
Safe Travels International 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 International Travel Insurance?
Safe Travels International provides worldwide travel medical insurance for non-US citizens traveling outside their home country - for example, a British citizen visiting Southeast Asia, or an Indian citizen traveling to Europe. It is not valid for travel to, from, or within the United States; travelers heading to the USA need Safe Travels USA instead.
The plan is a comprehensive, 100% co-insurance plan: once your deductible is met, eligible medical expenses are reimbursed in full up to your chosen policy maximum, rather than paying a fixed dollar amount per service the way a fixed-benefit plan does. General medical coverage goes up to $1,000,000, and the plan also bundles emergency medical evacuation (up to $1,000,000), repatriation, political and natural disaster evacuation, trip interruption, trip delay, lost baggage, and AD&D benefits.
Unlike many international travel medical plans that exclude pre-existing conditions outright, Safe Travels International includes a limited Unexpected Recurrence of a Pre-Existing Condition benefit for travelers up to age 69, and every policy includes free telemedicine access and 24/7 non-insurance travel assistance.
After buying the plan, travelers can access all plan documents and their ID card through the Safe Travels International 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/residents traveling outside their home country to any destination other than the USA.
Age Requirements
Travelers ages 14 days to 89 years, not available to anyone age 90 or above.
Coverage Duration
Minimum purchase of 5 days, maximum of 364 days, with online renewal/extension up to 364 days total.
Cancellation Policy
Before effective date: Full refund of premium is available. After effective date: Cancellation fee of US $25 will be charged
Restrictions
Not available to anyone who has been residing outside their home country for more than 365 days prior to the policy's effective date.
Who Should Buy Safe Travels International?
Who May Not Need This Plan?
- Anyone traveling to, from, or within the United States - you'll need Safe Travels USA instead.
- Travelers wanting broader, ongoing pre-existing condition coverage beyond a sudden flare-up may want to compare pre-existing condition plans designed for that purpose.
- Budget-focused travelers with no pre-existing condition concerns may find Safe Travels International Cost Saver more economical as secondary coverage.
Safe Travels International 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 International Insurance
Advantages
7 benefitsComprehensive 100% co-insurance - no per-service payout caps
Coverage up to $1,000,000, among the highest limits available for non-US citizen travel medical plans
Meets Schengen visa insurance requirements with the $0 deductible option
Covers Unexpected Recurrence of pre-existing condition benefit, up to $2,500 for ages up to 69
Wide First Health PPO provider network for reduced out-of-pocket costs
Free telemedicine and 24/7 travel assistance bundled into every policy
Optional riders for sports activities, AD&D upgrade, and extended trip delay coverage
Disadvantages
5 limitsNo coverage for trips to, from, or within the United States
Pre-existing condition benefit ends at age 70
$2,500 pre-existing condition limit is modest next to some competing international plans
Not available if you've lived outside your home country more than 365 days
Not available to travelers age 90 or above
How Much Does Safe Travels International Insurance Cost?
The cost of Safe Travels International Insurance ranges from $36 to $719 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: $250
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 18 - 21 years | $36 | $45 | $47 | $49 | $55 |
| 22 – 29 years | $53 | $60 | $66 | $73 | $83 |
| 30 – 39 years | $62 | $73 | $85 | $98 | $113 |
| 40 - 49 years | $107 | $120 | $126 | $136 | $151 |
| 50 - 59 years | $187 | $213 | $220 | $230 | $241 |
| 60 - 64 years | $233 | $281 | $292 | $307 | $346 |
| 65 - 69 years | $273 | $299 | $305 | $315 | $358 |
| 70 - 79 years | $411 | $578 | Not available for this age group | ||
| 80 - 99 years | $719 $50,000 maximum coverage, $250 deductible | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Compare Safe Travels International vs. Atlas International vs. Patriot International Lite
Safe Travels International competes with two other widely used Schengen-compliant plans: WorldTrips' Atlas International and IMG's Patriot International Lite. Here's how they compare:
| Feature | Safe Travels International | Atlas International | Patriot International Lite |
|---|---|---|---|
| Underwriter | Zurich Insurance Europe AG | Tokio Marine HCC Group | SiriusPoint Specialty Insurance Corp |
| AM Best Rating | A (Excellent) | A++ (Superior) - Parent Company | A- (Excellent) |
| Policy Maximum | $50,000 – $1,000,000 | Up to $2,000,000 | $50,000 – $1,000,000 (Age 80+: $10,000 only) |
| Co-insurance | 100% after deductible | Waives co-insurance within network | 100% after deductible |
| Pre-Existing Conditions | Unexpected Recurrence, $2,500, up to age 69 | Acute Onset, up to age 79 | Acute Onset, under age 70 |
| COVID-19 Coverage | Covered as any other sickness | Covered as any other illness | Covered as any other illness |
| Renewability | Up to 364 days | Up to 364 days | Up to 24 months |
| Starting Price | From ~$36/month | From ~$26–27/month | From ~$28/month |
| Schengen Compliant | Yes, with $0 deductible | Yes | Yes, instant visa letter |
| Explore Plan | View Plan » | View Plan » | View Plan » |
| Get Started | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now |
- Choose Safe Travels International if you want a strong balance of high coverage limits, a meaningful (if capped) pre-existing condition benefit, and Trawick's established reputation.
- Choose Atlas International if maximizing your medical ceiling matters most - it offers the highest policy maximum ($2,000,000) and the broadest acute-onset pre-existing condition age range (up to 79).
- Choose Patriot International Lite if you want the longest renewability (up to 24 months), making it a common pick for expats and digital nomads.
Optional Add-On Benefits
Covers archery, tennis, swimming, cross country, track, volleyball, golf, ballet, baseball, basketball, cheerleading, equestrian, fencing, gymnastics, polo, rowing, soccer, and softball. Collision sports, extreme sports, and professional/semi-professional or student/school/club sports are excluded.
Trip Delay UpgradeIncreases the base $2,000/$150-per-day benefit to a $4,000 max ($300/day) or $7,000 max ($500/day) for accommodations and lodging.
AD&D Upgrade| Coverage Amount | Age Eligibility |
|---|---|
| $50,000 | All ages |
| $100,000 | Ages 19–79 |
| $250,000 | Ages 19–69 |
| $500,000 | Ages 19–69 |
Safe Travels International vs. Safe Travels USA - Which Do You Need?
A common point of confusion in Trawick International reviews: these are two different plans.
Safe Travels International → for trips outside your home country, excluding the USA.
Safe Travels USA → for non-US citizens traveling specifically to the United States
If your itinerary includes any US stop, Safe Travels International will not provide coverage there - you'll need Safe Travels USA or Safe Travels USA Comprehensive instead.
Working Example of Safe Travels International Insurance for US Visitors
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 | $100 | $0 | $100 |
| Hospital room (3 nights) $3,000/day × 3 | $9,000 | $9,000 | $0 |
| Surgery | $15,000 | $15,000 | $0 |
| Diagnostics & X-rays | $1,000 | $1,000 | $0 |
| Total | $25,100 | $25,000 | $100 |
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
The $500 deductible applies once per policy period - not per visit or per service.
100% co-insurance in-network
After the deductible, eligible in-network expenses are covered at 100%.
PPO reduces gap
FirstHealth PPO providers offer negotiated rates, helping lower your out-of-pocket costs.
Safe Travels International 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 International Insurance?
To file a claim with Safe Travels International Insurance, follow these steps: