Compare Safe travels Outbound insurance for outside USA

Compare travel insurance benefits offered by Safe Travels Outbound insurance and Safe Travels Outbound Cost Saver Insurance plans. These two US traveler insurance plans are comprehensive travel health insurance plans for US citizens and US residents travelling outside the US. They satisfy Schengen visa requirements and can be purchased up to 180 days. Compare price and benefits to find the best US outbound travel medical insurance plan for your needs.

How much does Outbound travel health insurance cost?

Compare Safe Travels Outbound plans for Covid-19 insurance cost comparison

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        Safe Travels Outbound           
versus
Safe Travels Outbound Cost Saver
Plan Type Primary Coverage Secondary coverage for travelers
 Evacuation
Emergency medical evacuation Up to $500k Up to $100k
Return of mortal remains or cremation/burial Up to $50k Up to $50k
Non-Medical Emergency Evacuation Up to $25k Up to $25k
Trip Inturruption $7.5k (Per Policy Period does not cover lost trip cost) $7.5k (Per Policy Period does not cover lost trip cost)
Lost luggage $1k ($250/item, $500/combined limit for valuables) $1k ($250/item, $500/combined limit for valuables)
Baggage Delay Up to $200 Up to $200
Baggage & Personal Effects $1k ($250/item, $500/combined limit for valuables) $500 ($100/item, $250/combined limit for valuables)
Sickness Medical Expense $50k, $100k, $250k or $500k $50k, $100k, $250k or $500k
Bedside visit $15k maximum limit. $15k maximum limit.
 Dental
Emergency dental treatment $Up to $500 due to dental accident.Up to $100 due to dental emergency. $Up to $500 due to dental accident.Up to $100 due to dental emergency.
 Acute Onset of Pre-Existing Condition
Pre-Existing Conditions Pre-existing conditions Limitation is 180 days Pre-existing conditions Limitation is 180 day
 Life
AD&D $25k $10k
 Travel Insurance
Underwriter Safe Travels Outbound Insurance Underwriter
Nationwide Mutual Insurance Company
Safe Travels Outbound Cost Saver Insurance Underwriter
Nationwide Mutual Insurance Company
Rating Safe Travels Outbound Insurance Rating
AM Best Rating: “A+”
Safe Travels Outbound Cost Saver Insurance Rating
AM Best Rating: “A+”
Brochure and Details

Safe Travels Outbound quarantine and trip delay insurance for US residents

quarantine coverage

Safe Travels Outbound insurance offers medical coverage and quarantine coverage for the trip outside the US! It has a $2k "lodging" (called trip delay which includes quarantine) benefit which covers up to $150 per person per day for room and board during a delay and covers medical expenses due to COVID-19. Safe Travels Outbound starts at a $50k maximum and most ages can purchase a higher maximum if desired. With the Outbound plan, travelers can choose the deductible (a higher deducible lowers your cost).

Note that travelers can increase the quarantine benefit to $4k or $7k coverage if desired for an additional cost. After the purchase, you will get a confirmation email with a link to the visa letter which states the coverage of the plan (including COVID and the $2k accommodation benefit).

The Safe Travels Outbound policy is completely refundable (before the start date).

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Trawick International Safe Travels Outbound vs Cost Saver for travel USA - FAQs

  • Safe Travels Outbound

    Does Trawick International Safe Travels Outbound Cost Saver Insurance cover covid?

    Yes, the Safe Travels Outbound Cost Saver travel insurance covers Covid19. This coverage is eligible for medical expenses resulting from covid as long as the eligible medical expenses are medically necessary that are not subject to another plan exclusion.


    Is Trawick international a good insurance company?

    Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups.

    Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.


    What is the advantage of buying Safe Travels Outbound Cost Saver?

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


    Who is eligible to enrol in the Safe Travels Outbound Cost Saver travel insurance plan by Trawick international?

    The Safe Travels Outbound Cost Saver travel insurance plan by Trawick international is available for a US Citizens and US residents traveling outside the United States

  • Safe Travels Outbound Cost Saver - FAQ's

    Does the Safe Travels Outbound Cost Saver include covid 19 testing?

    Yes, Safe Travels Outbound Cost Saver insurance plan does cover Covid 19 testing if it is prescribed by a doctor. The plan however will not cover Covid 19 testing if the testing is done without a medical practitioner’s prescription such as if required for airline travel or for getting a country visa.


    What is the advantage of buying Safe Travels Outbound Cost Saver plan?

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


    Who is eligible to enrol in the Safe Travels Outbound Cost Saver travel insurance plan by Trawick international?

    The Safe Travels Outbound Cost Saver travel insurance plan by Trawick international is available for US citizens/residents traveling outside the United States

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 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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