Safe Travels USA vs Diplomat Long Term Insurance Reviews
The home country’s domestic health insurance has limited or no coverage outside international borders, a huge medical bill can be difficult to clear when you get hospitalized due to emergency sickness or accidental injuries. In some countries the health care treatment facility would want the travelers to pay the bills prior to receiving the treatment. Buying adequate visitors medical insurance can save you from these traumatic financial crisis while you are abroad. There are many insurance providers offering international travel insurance plans and it is necessary to compare among them and select the best plan satisfying your needs
Safe Travels USA Comprehensive is offered by Trawick International and has an AM Best Rating of “A+”. Diplomat Longterm insurance is designed for anyone travelling outside their home country for a long period of time. It can be bought for a minimum of 3 months and up to 12 months. This plan can be renewed up to a maximum of 36 consecutive months.
Factors for comparing Global Underwriters and Trawick International insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Safe Travels USA Comprehensive vs Diplomat Long Term Insurance visitors travel insurance:
01. Compare medical maximum coverage
This the maximum coverage expense that the plan would offer for the medical expenses. Safe Travel USA Comprehensive offers maximum coverage up to 1 million, while Diplomat Long Term 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 Long Term 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
Safe Travels USA Comprehensive Visitor Insurance- Covers co-insurance after the deductible, 100% up to the Policy Maximum
- The plan pays 80% up to $5,000 of eligible costs. Then 100% to the Medical 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 extended for a minimum of 5 days to 364 days. Diplomat Long Term plan is available from minimum of 3 months to 365 days & can be renewed online up to maximum of 3 years.
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 is available for non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries.This plan is available for green card holders. while Diplomat long term offers coverahe for Non US Residents while visiting the US.Individuals travelling outside their home country.
07. Pre-existing conditions coverage
Safe Travels USA Comprehensive acute Onset of pre-existing condition travel insurance- 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.
- Covers sudded recurrence of a pre-existing conditions up to $20,000; ($2,500 for age 65 and older).
Pre-existing conditions coverage comparision
| Pre-Existing FAQ's | Safe Travels USA Comprehensive | Diplomat Long Term |
|---|---|---|
| What is a Pre-Existing Condition definition? |
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. |
Covers Unexpected Recurrence of a Pre-Existing Condition up to Limited coverage under Your Medical Expense Benefit is provided for Medical Expenses that result from a sudden and unforeseen recurrence of a Pre-existing Condition. |
| What types of pre-conditions are covered? |
|
|
| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | There is no look back period | 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? | Covered up to age 69 | Up to $20,000; ($2,500 for age 65 and older) |
- 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 Long Term
- Yes
- Yes
- Yes
- No
- Yes
- $0 to $5,000
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
Key Highlights
Diplomat Long Term vs Safe Travels USA Comprehensive Insurance - FAQs
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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.
Is Global Underwriters insurance a legit company?Global underwriters insurance reviews indicate that it has left its presence in the travel insurance industry for several years. The international medical insurances are designed to cater to the medical risks for US and non US Citizens who travel overseas for various reasons.
Global Underwriters reviews indicate that along with their comprehensive international accident & sickness medical insurance plans, they also offer special risk insurance products like Defense Base Act, Kidnap & Ransom and business travel accident 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 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.
Why should I buy travel insurance from Global Underwriters?Global Underwriters insurance has many years of expertise and offers exceptional service to its customers worldwide. Global Underwriters has a plan for all international travelers. The Claims processing, underwriting division are committed to provide good insurance solutions for travellers.
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.
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 Long Term 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.
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