• Safe Travels USA Comprehensive offers excellent medical coverage.
  • Plan maximum options available up to $1 million.
  • Provides optional coverage for athletic sports coverage.

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Comprehensive

Review Safe Travels USA Comprehensive Advantages and disadvantages

Safe Travels USA Comprehensive Insurance Advantages

  • It is a comprehensive benefit plan.
  • Good provider network.
  • Optional rider cover for athletic sports coverage, AD&D, home country coverage and hazardous activities.
  • Coinsurance is 80% of the first $5,000 of covered expenses then 100% up to the policy maximum
  • It offers pre-existing condition coverage.

Safe Travels USA Comprehensive Insurance Disadvantages

  • Safe Travels USA Comprehensive is not available to green card holders in the USA
  • This plan is not available for travelers age 90 or above.

What are some insurance terms important in Safe Travels USA Comprehensive Insurance reviews?

  • Plan Maximum coverage of Safe Travels USA Comprehensive travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Safe Travels USA Comprehensive insurance offers maximum coverage up to $1,000,000.
  • What is a deductible in Safe Travels USA Comprehensive 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 USA Comprehensive insurance has deductible options from $0 to $5,000.
  • What is a provider network of Safe Travels USA Comprehensive 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.
  • What is coinsurance in Safe Travels USA Comprehensive visitor insurance?
    This is a percentage of the bill that the travel has to pay. Safe Travels USA Comprehensive plan pays 100% outside USA.
    For coverage inside USA:
    Safe Travels USA Comprehensive insurance pays
    IN PPO NETWORK
    Plan pays 100%.
    OUT OF PPO NETWORK
    Plan pays 80% of eligible expenses up to $5,000, then 100%.
  • Renewability of Safe Travels USA Comprehensive Travel health insurance
    Safe Travels USA Comprehensive Insurance can be renewed from 5 days to 1 year, Renewable up to 2 years.
  • Eligibility to buy Safe Travels USA Comprehensive Insurance Online
    Foreign residents visiting USA and worldwide and travelers up to the age of 89 years.
  • Safe Travels USA Comprehensive Insurance underwritten by GBG Insurance Limited and rating "B++ (good)" by AM Best Rating.

A working example of using Safe Travels USA Comprehensive Insurance (Offered by Trawick International) *

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
  • Coinsurance for claims incurred Out of Network: After the deductible, 80% of first $5,000 and then 100% to the policy limit
  • Total medical expenses is $25,000
The insured must pay the deductible ($100) before the insurance plan pays anything. Since the policy maximum coverage is $50,000. and the total amount billed is $25,000, the policy will pay 80% of first $5,000 then 100% up to the policy limit ($50,000). In this case the insured expense after the deductible is 20% of first $5,000, which is $1,000. Thus your final expense is $1,000 while the insurance company will cover the remaining $24,000.

Expense Amount billed Amount Insurance Pays Amount Insured Owes
Hospital Room Rent $9,000 $8,000($4,000 + $4,000(80% of first $5,000)) $1,000 (20% of first $5,000)
Surgery $15,000 $15,000 $0
X Ray $1,000 $1,000 $0
Total $25,000 $24,000 $1,000
* 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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