• Safe Travels USA offers temporary medical coverage for illness and accident.
  • Plan maximum options available up to $1 million.
  • Provides optional coverage for athletic sports coverage.

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Review Safe Travels USA Advantages and disadvantages

Safe Travels USA 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.
  • It is ideal for foreign residents visiting USA and then other countries worldwide.
  • Travelers on transit visa in US can also purchase this plan.

Safe Travels USA Insurance Disadvantages

  • It is eligible for travelers up to the age of 89 years
  • This plan is not available for green card holders

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

  • Plan Maximum coverage of Safe Travels USA travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Safe Travels USA insurance offers maximum coverage up to $1,000,000.
  • What is a deductible in Safe Travels USA 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 insurance has deductible options from $0 to $5,000.
  • What is a provider network of Safe Travels USA 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 visitor insurance?
    This is a percentage of the bill that the travel has to pay. Safe Travels USA plan pays 100% outside USA.
    For coverage inside USA:
    Safe Travels USA 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 Travel health insurance
    Safe Travels USA Insurance can be renewed from 5 days to 1 year, Renewable up to 2 years.
  • Eligibility to buy Safe Travels USA Insurance Online
    Foreign residents visiting USA and worldwide, travelers up to the age of 89 years and not available for green card holders.
  • Safe Travels USA Insurance underwritten by GBG Insurance Limited and rating "B++ (good)" by AM Best Rating.

A working example of using Safe Travels USA 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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