Safe Travels USA vs Diplomat America Insurance Reviews
International visitors in USA can have an amazing time but an unexpected emergency like accidental injuries and sudden sickness can spoil your joyous vacation or trip. Visiting a physician or hospitalization in US is quite expensive resulting in huge medical bills. If the tourist doesn’t have adequate visitor insurance, it can very difficult to clear the expensive medical bills and might end up losing most of your life savings. There are many popular insurance providers offering a wide range of visitors medical insurance for international tourists to the US.
Before buying the best visitors insurance for USA, it is advisable to compare the different US travel insurance plans like Safe Travels USA Comprehensive insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness., Safe travels usa comprehensive is offered by Trawick International and has an AM Best Rating of “A+”. Dilpomat America is designed for Non US residents travelling to the USA. It is quite popular among US citizens residing outside USA and visiting the US for a short period of time. It can be purchased for 15 days up to a maximum of 365 days.
Factors for comparing Global Underwriters and Trawick International insurance
Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Diplomat America insurance and Safe Travels USA Comprehensive insurance:
01. Compare medical maximum coverage
This the maximum coverage expense that the plan would offer for the medical expenses. Safe Travel USA offers maximum coverage up to 1 million, while Diplomat America offers coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.
02. Compare deductible options
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. All of these plans offer a set of deductible options for the travelers to choose from Diplomat America insurance and Safe Travels USA Comprehensive insurance have a range of deductible option from $0 up to $5K.
03. Compare provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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.
04. Compare coinsurance options
Diplomat America Visitor Insurance- The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
- Covers co-insurance after the deductible, 100% up to the Policy Maximum
05. Contrast the renewability options
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Safe Travels USA Comprehensive insurance can be renewed for 364 days, Diplomat America plan cannot be renewable.
06. Compare eligibility options
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA Comprehensive insurance For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries. . Diplomat America Non US citizens and Non-US residents while visiting the United States,this plan is also available to US citizens returning to the US for vacation or business trips while living abroad. A valid international address is required in order to apply.
07. Pre-existing conditions coverage
Diplomat America pre-existing condition travel insurance- 24 months waiting period.
- For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Period of Coverage except for any coverage related to cardiac disease or cardiac conditions, which will be limited to $25K up to and including age 69, with a $25K Maximum Lifetime Limit for Emergency Medical Evacuation.
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Diplomat America | Safe Travels USA Comprehensive |
|---|---|---|
| What is a Pre-Existing Condition definition? |
The waiting period in travel insurance is the time period which the customer has to wait for some or all coverage benefits come into effect. It is the time period from the start of the policy when the traveler does not have the specific benefit coverage even though the policy is active and the premium has been paid for. |
For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70 Acute Onset benefits is not available. Benefits are payable up to the maximum provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility. |
| What types of pre-conditions are covered? |
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| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage | There is no look back period |
| Do you need a medical report of the person with the pre-existing condition? | No | No |
| Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? | This plan does not provide a separate document | This plan does not provide a separate document |
| What is pre-certification? | There is no pre-certification. | You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan. |
| What is the maximum age for eligibility? | 24 months waiting period. | Covered up to age 69 |
- FEATURES
- Eligible Plan for USA Coverage
- Parents Eligible to be insured
- Acute on set of Pre-existing Cover
- Eligible for Green card holders
- Renewable and Cancellable
- Deductible Choice
- A.M. Best Rating
- Covid coverage
- Underwriter
- Provider
- Buy now
- Safe Travels USA
- Yes
- Yes
- Yes, covers up to 69 years
- Yes
- Yes
- $0 to $5k
- "A" Excellent
- Yes
- Crum & Forster SPC
- Trawick International
- Buy Now
- Diplomat America
- Yes
- Yes
- 24 months waiting period
- Yes
- No
- $0 to $5,000
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
Key Highlights
Diplomat America vs Safe Travels USA Comprehensive Insurance - FAQs
-
What is the advantage of buying Safe Travels USA Comprehensive plan?Safe Travels USA Comprehensive Insurance is an affordable travel insurance. Safe Travels USA Comprehensive by Trawick International is ideal for visitors to the USA Comprehensive looking for cheap travel health insurance including coverage for SARS-CoV-2.
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.
Who is eligible to enrol in the Safe Travels USA Comprehensive travel insurance plan by Trawick international ?The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).
Can a traveler extend or renew the Trawick international Safe Travels USA Comprehensive plan?Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan
What is the coverage area of Trawick international travel insurance?Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.
What are the requirements for purchasing Trawick international insurance?The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying. -
Is Global Underwriters a reliable insurance company?
Global Underwriters insurance is a leader in underwriting and administration of international health care systems for travelers. With over 50 years of involvement and expertise in the travel insurance industry Global Underwriters offer travel medical insurance for individuals traveling on business, vacationing or migrating to a foreign country.
Global Underwriters insurance has specially curated travel insurance plans to offer world-class service for International Accident & Sickness Medical coverage.
What is the cost of Global Underwriters travel insurance?The Global Underwriters travel insurance cost will depend on the age of the traveler, the type of coverage and the length of the journey. Typically, travel health insurance policies can start even as low as $1 per day but is much higher for older travelers.
What are the different types of Global Underwriters travel insurance?Some of the different types of travel insurance plans offered by Global Underwriters are:
- Diplomat America
- Diplomat International
- Diplomat Long Term
- Diplomat America Group
- Diplomat International Group
- Diplomat Long Term Group
What is the difference between the Global Underwriters insurance plans?The different types of travel insurance plans offered by Global Underwriters have different coverage options and benefits. For example, the Diplomat America plan provides coverage for non-U.S. citizens traveling to the United States, while the Diplomat International plan provides coverage for U.S. citizens traveling outside of the United States. The Diplomat Long term is useful for longer stays beyond 90 days.
How do I purchase Global Underwriters Insurance?You can purchase Global Underwriters Insurance on American Visitor Insurance at buy Diplomat insurance. You can also call them at (877)-340-7910 to get more information on how to apply for Global underwriters travel health insurance from licensed insurance agents.
For which countries can I buy Global Underwriters travel insurance?Global Underwriters insurance is available for international visitors outside their home country.
What is the eligibilty to buy Global Underwriters insurance?To be eligible for Global Underwriters insurance coverage, you must not be a citizen of the host country you are traveling to.
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