Safe Travels USA Comprehensive Insurance Reviews
Comprehensive travel medical insurance plan for non-U.S. citizens visiting the United States, offering up to $1,000,000 in medical coverage, coverage for the acute onset of pre-existing conditions up to age 89, and emergency medical evacuation - with plans starting at $52/month.
Trusted by thousands of American travelers every year
Safe Travels USA Comprehensive Insurance 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 USA Comprehensive Travel Insurance?
Safe Travels USA Comprehensive is a travel medical insurance plan for non-U.S. citizens visiting the USA. It is available for travelers up to 89 years of age and can be purchased for durations ranging from 5 days to 364 days, with options for renewal. The plan offers extensive medical coverage, including up to $1,000,000 for accidents and illnesses, and limited coverage for the acute onset of pre-existing conditions - making it one of the most searched Trawick International comprehensive plans among tourists, business visitors, and parents visiting the U.S.
Safe Travels USA Comprehensive insurance participates in the First Health PPO network, one of the most widely recognized preferred provider networks in the United States. COVID-19 related medical expenses are covered and treated the same as any other sickness under this plan.
After buying the plan, travelers can access all plan documents and their ID card through the Safe Travels USA Comprehensive client login. At American Visitor Insurance, licensed agents are available to help with plan details, quotes, or claims questions.
Coverage up to $25,000 for cardiac or stroke events (up to $15,000 for travelers over 80), plus a $125 well-doctor visit benefit within the first month of the policy.
The plan is priced higher than fixed-benefit plans and coverage tops out at $20,000 for travelers over age 80.
Trawick Safe Travels Insurance Reviews
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Eligibility Requirements
Citizenship
Available to non-U.S. residents and non-U.S. citizens traveling to the USA, or to the USA plus other countries. Green Card holders are also eligible.
Age Requirements
Coverage is available for travelers up to 89 years of age. This plan is not available for anyone age 90 or above.
Coverage Duration
Plan periods run from 5 days up to 364 days and can be renewed or extended online.
Cancellation Policy
Full refund before the effective date. After the effective date, a $25 cancellation fee applies to unused, full-month premiums (if no claims were filed).
Green Card Holders
This plan is ideal for Green Card holders who need comprehensive medical coverage while temporarily in the USA.
Restricted Countries
Not available for travel to Antarctica, for Nigerian nationals, or for anyone who has resided in the U.S. for more than 365 days before the effective date.
Who May Not Need This Plan?
Why You Can Trust Safe Travels USA Comprehensive Insurance?
- Underwriter: Zurich Insurance Europe AG Belgian branch - a financially stable, highly rated insurer.
- 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 (Crossborder Services, LLC), a licensed insurance agency.
Who Should Buy Safe Travels USA Comprehensive?
- flight_takeoff B1/B2 Visitor Visa Travelers: Tourists and business visitors on a B1/B2 visa need comprehensive medical coverage for ER visits, hospital stays and doctor consultations while in the USA.
- badge Parents Visiting on a Visitor Visa: One of the most searched needs: coverage for aging parents visiting adult children, including acute onset of pre-existing condition and cardiac benefits up to age 89.
- family_restroom Green Card Holders (Short Trips): Green Card holders temporarily without domestic coverage, or between employer plans, can use this comprehensive benefit plan while re-entering or transitioning coverage.
- id_card Travelers Managing a Pre-Existing Condition: With acute onset coverage up to age 89, this plan suits travelers who want stronger pre-existing condition protection than fixed-benefit plans.
Trawick Safe Travels USA Comprehensive Plan Key Highlights
Covered medical expenses up to the plan maximum ($20,000-$1,000,000), including hospital stays, doctor visits, ER treatment, surgery and diagnostics.
Eligible cardiac and stroke emergencies are covered up to $25,000 per policy period for ages up to 69, and up to $15,000 for ages 70 and above.
Covers acute onset of pre-existing conditions up to age 89 - up to the full policy maximum for ages up to 69, $35,000 for ages 70-79, and $20,000 for ages 80+.
Emergency medical evacuation available up to $2,000,000 when medically necessary transport to the nearest appropriate facility is required.
Includes a Well Doctor Visit benefit of up to $125 within the first month of the policy, allowing preventive care during your trip.
COVID-19 medical expenses are covered and treated the same as any other sickness - with no pandemic exclusion.
This comprehensive benefit plan is ideal for Green Card holders who need short-term medical coverage while in the USA.
Enhance your plan with Sports Activity coverage, AD&D upgrades, and Return to Home Country incidental coverage.
Access a nationwide network of doctors and hospitals recognized across all 50 states for reduced out-of-pocket costs.
Pros & Cons of Safe Travels USA Comprehensive Insurance
Advantages
6 benefitsComprehensive benefit plan with coverage up to the full policy maximum.
Available for Green Card holders visiting the USA.
Broad First Health PPO provider network nationwide.
Optional rider coverage for Sports Activity, AD&D and Return to Home Country.
Coinsurance pays 80% of the first $5,000 out-of-network, then 100% to policy max.
Offers acute onset of pre-existing condition coverage up to age 89.
Disadvantages
6 limitsNot available for travelers age 90 or above.
Not available to anyone residing in the U.S. more than 365 days before the effective date.
Coverage drops to $20,000 maximum for travelers over age 80.
Pharmacy and dental providers are out-of-network under First Health PPO.
Premiums are higher than fixed-benefit alternatives.
Not available for travel to Antarctica or for Nigerian nationals.
How Much Does Safe Travels USA Comprehensive Insurance Cost?
The Safe Travels USA Comprehensive insurance cost per month ranges between $52 and $1,055, depending on the age of the traveler, the plan maximum, and the deductible selected. Older travelers generally pay more, since they are more likely to need healthcare while traveling; a higher plan limit raises the premium, while a higher deductible lowers it.
The table shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
Ages 65-79: $50,000, $100,000
Ages 80-99: $20,000 only
Deductible: $250
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 18 - 29 years | $52 | $66 | $80 | $94 | $103 |
| 30 – 39 years | $71 | $97 | $114 | $124 | $131 |
| 40 - 49 years | $94 | $117 | $136 | $159 | $175 |
| 50 - 59 years | $154 | $194 | $244 | $275 | $289 |
| 60 - 64 years | $179 | $235 | $310 | $348 | $364 |
| 65 - 69 years | $205 | $263 | Not available for this age group | ||
| 70 - 79 years | $306 | $489 | Not available for this age group | ||
| 80 - 99 years | $1,055 $20,000 maximum coverage, $250 deductible | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Working Example of Safe Travels USA Comprehensive Insurance
Suppose a 52-year-old visitor from Mexico to the USA has a sudden gallbladder attack requiring emergency surgery. They chose the $250,000 plan with a $250 deductible and received out-of-network care. Here's what happens:
| Service | Hospital bills | Plan pays | You pay |
|---|---|---|---|
| Deductible Paid once per policy period | $250 | $0 | $250 |
| Emergency surgery (cholecystectomy) First $5,000 at 80% co-insurance, remainder at 100% | $18,000 | $17,000 | $1,000 |
| Hospital stay (1 night) Above the $5,000 co-insurance threshold, paid at 100% | $2,500 | $2,500 | $0 |
| Diagnostics & labs | $800 | $800 | $0 |
| Total | $21,550 | $20,300 | $1,250 |
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 $250 deductible applies once per policy period - not per visit or per service.
100% in-network after deductible
In-network care is paid at 100% up to the policy maximum once the deductible is met. Out-of-network claims pay 80% co-insurance on the first $5,000, then 100% to the policy max.
PPO reduces gap
FirstHealth PPO providers offer negotiated rates, helping lower your out-of-pocket costs and avoid the out-of-network co-insurance split.
Compare Safe Travels USA Comprehensive with Other Visitor Insurance Plans
See how Safe Travels USA Comprehensive compares with other popular comprehensive visitor insurance plans for the USA, including Safe Travels USA, IMG Visitors Protect and Patriot America Plus.
| Feature | Safe Travels USA Comprehensive | Safe Travels USA | Patriot America Plus | IMG Visitors Protect |
|---|---|---|---|---|
| Underwriter | Zurich Insurance Europe AG | Zurich Insurance Europe AG | SiriusPoint Specialty Insurance Corp | SiriusPoint Specialty Insurance Corp |
| AM Best Rating | A (Excellent) | A (Excellent) | A (Excellent) | A- |
| Max Coverage | $1,000,000 | $1,000,000 | $1,000,000 | $250,000 |
| Coinsurance (Out-of-Network) | 80% of first $5,000, then 100% | 90% of first $2,500, then 100% | 80/20 up to $5,000, then 100% | 75/60 up to $5,000, then 100% |
| Pre-Existing Conditions | Acute onset up to age 89 | Unexpected recurrence up to age 69 | Acute onset up to age 69 | Up to age 99 |
| COVID-19 Coverage | Included | Included | Included | Included |
| Max Eligible Age | 89 years | 89 years | Varies by plan | Varies by plan |
| Renewability | Up to 364 days | Up to 364 days | Up to 364 days | Up to 364 days |
| Starting Price | From ~$52/month | From ~$45/month | From ~$50/month | ~$340/3 months |
| PPO Network | First Health | First Health | First Health/UnitedHealthcare | UnitedHealthcare |
| Explore Plan | View Plan » | View Plan » | View Plan » | View Plan » |
| Get Started | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now |
- Coverage: Safe Travels USA Comprehensive ties with Patriot America Plus for the highest medical coverage at $1,000,000, well above IMG Visitors Protect at $250,000.
- Pre-Existing Conditions: Safe Travels USA Comprehensive offers acute onset coverage up to age 89 - broader by age than Safe Travels USA or Patriot America Plus, which cap at age 69.
- PPO Network: Runs on the First Health PPO network, matching the standard Safe Travels USA plan and giving nationwide access.
- Overall: Safe Travels USA Comprehensive is a strong pick for travelers who want the highest available pre-existing condition age eligibility alongside full $1,000,000 comprehensive coverage.
Optional Add-On Benefits
| Option 1 | Increase to $50,000 maximum AD&D benefit | Additional $0.25 per person per day |
| Option 2 | Increase to $100,000 maximum AD&D benefit | Additional $0.50 per person per day |
| Option 3 | Increase to $250,000 maximum AD&D benefit | Additional $1.75 per person per day |
| Option 4 | Increase to $500,000 maximum AD&D benefit | Additional $4.00 per person per day |
- Persons up to age 69 are eligible for all Options
- Persons age 70-79 are eligible for Option 1 and 2
- Persons age 80 and older are eligible for Option 1 only
- Children are eligible for Option 1 only
- Covers up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
- If coverage is purchased for Class 1: this benefit provides coverage to the Covered Person while performing, practicing, or participating in archery, tennis, swimming, cross country, track, volleyball, and golf.
- If coverage is purchased for Class 2: includes following sports, ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football (except division 1), gymnastics, hockey (no league play), karate, lacrosse, polo, rowing, rugby, soccer, and softball.
- Any Sport Activity not expressly covered hereunder is excluded from this Policy unless the activity is noncontact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
- Covers up to $25,000 - provides coverage during the period of insurance, in your home country while on an incidental trip.
- For trips up to 60 days (total) per 12 months of coverage purchased. To be eligible your period of insurance must be greater than 30 days and are returning to the home country after the trip began. More Details »
Safe Travels USA Comprehensive PPO Network - How It Works
Inside the U.S., Safe Travels USA Comprehensive participates in the First Health PPO network - a tier-one network of physicians, hospitals and healthcare providers recognized across all 50 states, helping you access negotiated rates and lower out-of-pocket costs on your comprehensive plan.
You can find an in-network provider in the USA by using the following link. Please note that pharmacies and dental providers are considered out-of-network under Safe Travels USA Comprehensive, so the out-of-network deductible applies to eligible pharmacy and dental claims.
- In-Network PPO Care: 90% of first $2,500, then 100%
- Out-of-network coinsurance: 90% of first $2,500, then 100%
- Pharmacies: All Pharmacies are considered out-of-network for this plan.
- Dental providers: All dental providers are considered out-of-network for this plan.
How Do I File a Claim With Safe Travels USA Comprehensive Insurance?
To file a claim with Safe Travels USA Comprehensive Insurance, follow these steps: