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Safe Travels Outbound Travel Insurance Review 2026

Trawick Safe Travels Outbound is a comprehensive international travel insurance plan offering travel medical coverage, emergency evacuation benefits, trip interruption protection, and coverage for unexpected medical and travel-related expenses while traveling abroad.

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Safe Travels Outbound Insurance Reviews
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Policy maximum help
$50,000, $100,000, $250,000, $500,000
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Deductible help
$0, $100, $250, $500, $1,000, $2,500
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Comprehensive plan help
Covers eligible medical expenses
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Renewability help
Up to 180 days
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Pre-existing conditions help
180 Days period to the Effective Date
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PPO network help
First health Provider Network
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AM Best Rating
A
★★★★★

Trusted by thousands of international travelers

Safe Travels Outbound is underwritten by Nationwide Mutual Insurance Company, a leading U.S.-based insurance provider known for its financial strength and reliability.

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Is Safe Travels Outbound Insurance Worth It?

Safe Travels Outbound Insurance from Trawick International is a budget-friendly international travel medical insurance plan for U.S. residents and U.S. citizens traveling outside the United States. It is designed for travelers who need short-term travel health insurance for international trips, offering coverage for unexpected illnesses, injuries, and emergency medical evacuation while abroad.

If you're looking for affordable travel medical insurance for U.S. residents traveling overseas, this plan is worth considering and can be easily purchased through American Visitor Insurance.

Client Stories

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."

CR
Carol
✓ Verified Customer
★★★★

"It was very easy to get a quote online and when I asked a question in the Live Chat I received a prompt response."

CH
Charles
✓ Verified Customer
★★★★★

"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."

RH
Rachel
✓ Verified Customer
Who Qualifies

Eligibility Requirements

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U.S. Residents Traveling Internationally

Available for U.S. citizens and U.S. residents traveling outside the United States. Coverage is designed for international travel only.

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Travel Requirement

Coverage is valid only when traveling outside the U.S. and must be purchased before departure.

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Age Requirements

Available for travelers from 14 days up to 99 years of age. Benefit maximums may vary based on age.

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Coverage Duration

Plans are available up to 180 days and can be renewed within this limit.

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Eligibility Restrictions

The plan is not available after the trip has already started and is not available for travel to certain restricted countries.

Best for

Who Should Buy Safe Travels Outbound?

1. US travelers going abroad.
2. Long-term international travelers.
3. Business travelers needing travel medical coverage.
4. Travelers visiting countries with expensive healthcare systems.
5. Budget-conscious travelers needing emergency medical coverage.

Why You Can Trust Safe Travels Outbound Insurance?

  • Underwriter: Nationwide Mutual Insurance Company - one of the largest insurers in the US, rated "A" by AM Best.
  • Plan Administrator: Trawick International, licensed and operating since 1998.
  • 24/7 Assistance: Provided by On Call International, a dedicated travel assistance company.
  • Sold through: American Visitor Insurance (Crossborder Services, LLC), a licensed insurance agency.
Quick Analysis

Pros & Cons of Safe Travels Outbound Insurance

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Safe Travels Outbound advantages

5 benefits
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Affordable premiums for international travel

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High emergency evacuation coverage (up to $500,000)

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Flexible deductible options ($0 to $5,000)

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Covers acute onset of pre-existing conditions (limited)

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Suitable for trips up to 180 days

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Safe Travels Outbound disadvantages

5 limits
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Limited coverage for pre-existing conditions (not full coverage)

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Co-insurance may apply (you share part of costs)

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No coverage for trip cancellation or interruptions

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Must be purchased before departure from the U.S.

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Limited coverage for high-risk adventure sports

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Pricing Guide

How Much Does Safe Travels Outbound Insurance Cost?

The cost of Safe Travels Outbound Insurance ranges from $25 to $501 per month, depending on the traveler’s age, selected plan maximum, and deductible.

The table below shows sample daily rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.

Ages 0–79: $50,000, $100,000, $250,000, $500,000, $1,000,000 & $2,000,000 options Age 80+: $10,000 only
Age of traveler $50,000 $100,000 $250,000 $500,000
18 - 21 years $25 $26 $27 $27
22 - 29 years $37 $38 $39 $40
30 - 39 years $44 $45 $46 $47
40 - 49 years $76 $78 $80 $82
50 - 59 years $130 $133 $136 $139
60 - 64 years $163 $166 $171 $175
65 - 69 years $190 $194 $200 $204
70 - 79 years $286 $292 Not available for this coverage
80 - 99 years $501 Not available for this coverage

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Deductible Adjustment Factors

Multiply the base rate above by the factor for your chosen deductible:

$0
×1.25
Highest premium
$100
×1.10
Higher premium
$250
×1.00
Base rate
$500
×0.90
Lower premium
$1,000
×0.80
Lower premium
$2,500
×0.70
Lowest premium
How it compares

Safe Travels Outbound vs Competitor Plans

See how Safe Travels Outbound compares with leading visitor insurance plans like Patriot International Lite (IMG), Safe Travels International (Trawick International), and Single Trip Gold (Blue Cross Blue Shield global).

Feature Safe Travels Outbound Patriot International Lite Atlas International BCBS Single Trip Gold
Max coverage $500,000 $1,000,000 $2,000,000 $1,000,000
PPO network (USA) First Health PPO Not Available Not Available Blue Cross Blue Shield global network
Pre-existing coverage 180 Days prior to the Effective Date Acute onset covered up to age 70 Acute onset covered up to age 79 Not Available
Out-of-network coinsurance Not Available 100% 100% Not Available
Emergency evacuation Up to $500,000 Up to $1,000,000 Up to $1,000,000 Up to $500,000
Renewable period 180 days 24 months 364 days Not Available
Adventure sports rider Not Available Available Not Available Available
Deductible options $0–$2,500 $0–$2,500 $100–$5,000 $0–$500
AM Best rating A A (Excellent) A++ (Superior) A
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Safe Travels Outbound wins on price and simplicity for trips under 6 months. If you're traveling for under 90 days and want primary coverage from an A-rated carrier (Nationwide Mutual), it's hard to beat at its price point as low as $0.84/day for travelers under 21.

Where it falls short: travelers over 70 have limited max coverage options ($50K or $100K), and those with chronic pre-existing conditions won't find routine management covered only acute onset emergencies.

Safe Travels Outbound Insurance Reviews vs Competitor Plans – Summary

  • Coverage & Medical Benefits: Safe Travels Outbound offers comprehensive international travel medical insurance coverage with emergency medical benefits up to $500,000, making it a strong option for travelers seeking affordable protection while abroad.
  • Provider Network Access: The plan includes access to the First Health PPO network outside the USA, while international treatment can be received from licensed medical providers worldwide.
  • Pre-existing Conditions: Safe Travels Outbound includes a 180-day pre-existing condition limitation period in the policy definition. Coverage for routine or chronic pre-existing conditions is generally excluded, making Atlas International and Patriot International Lite stronger options for travelers specifically seeking acute onset pre-existing condition coverage..
  • Emergency Medical Evacuation: Includes up to $500,000 for emergency medical evacuation and repatriation benefits, matching many leading international travel insurance plans.
  • Renewability & Duration: Coverage is available for trips up to 180 days, making it suitable for short-term international travel, vacations, and business trips abroad.
  • Adventure Sports Coverage: Adventure sports coverage is not included, which may limit suitability for travelers participating in high-risk recreational activities.
  • Financial Strength: Safe Travels Outbound is underwritten by Nationwide Mutual Insurance Company, which holds an AM Best rating of A, reflecting strong financial stability and claims-paying ability.
  • Overall Positioning: Safe Travels Outbound reviews position the plan as a budget-friendly international travel insurance option with solid medical coverage, PPO access, emergency evacuation benefits, and reliable financial backing for travelers outside the USA.
Real-World Example

How Safe Travels Outbound Works - A Real Claim Example

Using a $50,000 policy with $100 deductible and in-network (PPO) care:

Expense Amount Billed Insurance Pays You Owe
Deductible $100 $0 $100
Hospital stay (3 days × $3,000) $9,000 $9,000 $0
Surgery $18,000 $18,000 $0
Prescription Drugs $600 $600 $0
X-Ray $1,400 $1,400 $0
Total $29,100 $29,000 $100
Result: On a $29,100 medical bill, you pay only $100 (your one-time deductible). The insurance covers $29,000 - that's a 99% coverage rate when using an in-network PPO provider.

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.

May Not Be Ideal

When Safe Travels Outbound Insurance May Not Be the Best Fit?

  • Trips longer than 180 days may require different long-term international travel insurance coverage.
  • Routine treatment for chronic or pre-existing medical conditions is generally not covered.
  • This plan focuses on travel medical coverage and offers limited trip cancellation benefits.
  • Coverage is designed for U.S. residents traveling internationally, not for domestic travel within the USA.
  • Travelers seeking very high medical maximums or specialized coverage may need broader international insurance options.

Safe Travels Outbound is best suited for travelers seeking affordable short-term international travel medical insurance with emergency medical and evacuation coverage abroad.

Medicare

Does Safe Travels Outbound Work with Medicare?

Medicare does NOT cover you outside the United States (with extremely limited exceptions in Canada/Mexico border situations). This is a critical coverage gap for American retirees traveling abroad.

Safe Travels Outbound is designed to fill exactly this void. Because it operates as primary coverage, it pays your eligible medical bills first - without waiting for Medicare to deny the claim. This is especially important for:

  • Retirees on international vacations or cruises
  • Snowbirds visiting family in Europe, Asia, or Latin America
  • Senior travelers doing extended stays abroad

What seniors should note: Rates increase significantly with age. At 70–79, the plan runs $20/day, and coverage caps at $100,000 maximum. Travelers 80+ are limited to a $50,000 maximum at $34.82/day. If you're 70+, compare carefully with plans offering broader senior coverage before purchasing.

Real Experience

Real-World Scenarios: When Safe Travels Outbound Pays Off

Scenario 1

Broken leg in Europe: A 45-year-old traveler from Ohio breaks her leg hiking in Switzerland. Hospital bills total $28,000. With a $250 deductible and $250,000 plan maximum, she pays $250. The plan covers the rest.

Scenario 2

Medical evacuation from Southeast Asia: A 62-year-old retiree has a cardiac event in rural Thailand. Medical evacuation to Bangkok costs $40,000. The plan's $500,000 evacuation benefit covers it in full a benefit Medicare would never provide abroad.

Scenario 3

Trip delay in London: A flight is canceled due to a storm, causing a 14-hour delay and $200 in hotel costs. The plan reimburses the expense after the 12-hour waiting period is met.

Provider Access

PPO Networks - Finding a Doctor

Safe travel insurance - Provider network and how to find hospital or doctor?

First Health / First Health International

Safe Travels Outbound Insurance provides access to the First Health PPO Network for eligible medical treatment and provider access. If your insurance ID card displays the First Health logo, you can search for participating doctors and hospitals through the international provider network.

first Healthcare Provider Network search Find a First Health Doctor
Important Notes
  • Pharmacy providers are not included in the PPO network.
  • Dental providers are considered out-of-network.
  • Out-of-network deductibles and coinsurance may apply to eligible claims.

The PPO network helps travelers access medical providers more easily while traveling internationally

Simple Process

How Do I File a Claim With Safe Travels Outbound Insurance?

To file a claim with Safe Travels Outbound Insurance, follow these steps:

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Step 01
Download Form

Get the Trawick International claim form from the member portal.

call
Step 02
Call Support

Speak to our licensed support staff for guidance.
866-696-0409 or 251-928-0939

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Step 03
Submit Documents

Mail to Trawick International, P.O. Box 2069, Fairhope AL 36533.

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Step 04
Email Help

Trawickclaims@cbpinsure.com

Common Questions

Safe Travels Outbound Insurance - FAQs

The minimum premium for Safe Travels Outbound is $20.00 per policy period, regardless of trip length or traveler age. This minimum ensures the plan remains available for very short trips (minimum 5 days). For context, a traveler aged 18–21 with a $50,000 policy maximum pays approximately $25/month the $20 floor mainly applies to edge cases involving very short coverage periods.
No, Safe Travels Outbound cannot be purchased after your trip has already started. Like most travel medical insurance plans, coverage must be secured before you depart the United States. Your coverage start date can be set to your departure date, and it is advisable to purchase at least 1–3 days before departure to allow for processing. If you are already abroad and uninsured, Safe Travels Outbound will not be an option.
Safe Travels Outbound insurance starts from approximately $25 per month for younger travelers and can go up to $501/month for travelers aged 80–99. Premiums depend on three key factors: the age of the traveler (rates increase significantly after age 50), the policy maximum chosen ($50,000 up to $500,000), and the deductible selected (a $2,500 deductible lowers your premium by 30% vs. a $0 deductible). For a 35-year-old traveler with a $250,000 policy and $250 deductible, the monthly cost is approximately $46.
Yes, Safe Travels Outbound satisfies Schengen visa insurance requirements as mandated by European consulates. The plan meets the minimum €30,000 medical coverage threshold required by all 27 Schengen-area countries. It provides an official Schengen visa insurance letter upon purchase, available in French upon request. This makes it a reliable choice for U.S. travelers applying for Schengen tourist or business visas.
Safe Travels Outbound provides comprehensive international travel medical coverage for U.S. residents and citizens traveling outside the United States. Covered benefits include emergency medical expenses (illnesses and injuries abroad up to your chosen policy maximum), emergency medical evacuation up to $500,000, repatriation of remains, trip interruption reimbursement, trip delay benefits after a 12-hour qualifying delay, COVID-19 treatment, and acute onset of pre-existing conditions within a 180-day look-back window.
Safe Travels Outbound provides limited coverage for acute onset of pre-existing conditions not full, ongoing treatment. The plan uses a 180-day look-back period to define pre-existing conditions. A sudden, unexpected flare-up (acute onset) requiring immediate treatment may be covered up to the policy maximum, but routine, chronic, or ongoing treatment for known conditions is generally excluded. Travelers needing broader pre-existing condition coverage should consider Atlas International (up to age 79) or Patriot International Lite (up to age 70).
Yes, Safe Travels Outbound is a cost-effective option for U.S. travelers visiting Europe. It meets Schengen visa insurance requirements, and European healthcare can be expensive for uninsured foreigners, with hospital stays running $3,000–$10,000+ per day. Emergency evacuation back to the U.S. can cost $50,000–$100,000+ without coverage. Premiums start around $25–$47/month for travelers under 40. The plan is best suited for travelers primarily needing emergency medical and evacuation protection rather than comprehensive trip cancellation benefits.
Safe Travels Outbound caps at a $500,000 policy maximum, while Atlas International goes up to $2,000,000 and Patriot International Lite up to $1,000,000. For pre-existing conditions, Atlas covers acute onset up to age 79 and Patriot up to age 70, making them stronger options for older travelers. Safe Travels Outbound has an advantage with access to the First Health PPO network, which is valuable for any U.S. care during layovers. It also tends to have lower premiums overall. However, it does not include adventure sports coverage, which is available as a rider with Patriot International Lite.
Safe Travels Outbound Insurance · From $25/month
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