Safe Travels USA vs Diplomat Long Term Insurance Reviews
Visitors to USA must be aware of the high health care costs and the drawbacks of not buying visitors medical insurance. A small injury or sickness in the US which lead to hospitalization can result in huge medical bills. If the international tourist has bought adequate visitor medical insurance, then it would be easy to clear all the medical bills and have a hassle free trip. Without visitors insurance for USA, the traveller may get stranded with an expensive medical bill which can be traumatic. There are many insurance companies that offer a wide range of USA travel health insurance.
As many US visitors insurance plans are available, it is recommended to compare among them and buy the best visitor medical insurance satisfying your needs. Safe Travels USA is offered by Trawick International and has an AM Best Rating of “A+”. Diplomat Long Term insurance from Global Underwriters 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 Trawick International vs Global Underwriters travel insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Safe Travels USA vs Diplomat Long Term travel insurance:
01. Compare medical maximum coverage
This the maximum coverage expense that the plan would offer for the medical expenses. Safe Travels USA and Diplomat Long Term offers maximum coverage up to 1 million.
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 Safe Travels USA and Diplomat Long Term 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- The plan pays 90% of the first $2,500 then 100% up to the policy maximum.
- In PPO network: Plan pays 80% up to $5K of eligible costs.
- Out PPO network: Then 100% to the Medical Maximum. There will be an additional $250 deductible for each emergency room visit as a result of an Illness.
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 can be extended for a minimum of 5 days to 364 days and Diplomat Long Term is available from minimum of 3 months to 365 days per policy period and it can be renewed online up to maximum up to 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 For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries While Diplomat Long Term Non US citizens and Non-US residents while visiting the United States, this plan is available to the US citizens visiting US on business trips and vacation while living abroad.
07. Pre-existing conditions coverage
Safe Travels USA pre-existing condition travel insurance- Covers unexpected Recurrence of a Pre-Existing Condition up to $1k per Policy Period.
- 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 | Diplomat Long Term |
|---|---|---|
| What is a Pre-Existing Condition definition? |
This Unexpected recurrence of a pre-existing condition will cover a sudden flare-up of a past condition requiring immediate medical attention, but only if it wasn't something you or your doctor already anticipated needing treatment for during this specific policy period. |
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? |
|
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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? | 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 89 | 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 89 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 $5k
- "A" Excellent
- Yes
- C&F Cayman SPC
- Global Underwriters
- Buy Now
Key Highlights
Safe Travels USA vs Diplomat Long Term Insurance - FAQs
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Is Trawick International a good insurance company? Is Trawick International a reliable insurance company?
Trawick International insurance is one of the most renowned US travel insurance company that was established in 1998. Trawick international offers a variety of International travel insurance, trip cancellation, Trip interruption and student insurance plans. Trawick insurance has been awarded with the highest honors from Forbes Advisor to be ranked first to be the Best Travel Insurance Companies. Trawick international insurance offers plans to meet diverse requirements with a premium to meet any budget.
The travel insurance covers offered by Trawick International are perfect for employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips and vacationers. Travelers can customize Trawick insurance plans to cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay and lost baggage. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.
What are the different Trawick international insurance plans?Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:
- Safe Travels USA Comprehensive
- Safe Travels USA Cost Saver
- Safe Travels Voyager
- Safe Travels Journey
- Safe Travels Elite
- Safe Travels Outbound
- Safe Travel International
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.
How much does Trawick international travel insurance cost?The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.
How do I purchase Trawick international travel medical Insurance?You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travels USA Comprehensive you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.
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 there a Cancel for any reason insurance cover with Trawick International travel insurance?Cancel for any reason can be included at an additional cost with the Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans by Trawick International.
Is Trawick International insurance a legit company?Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.
Can I purchase travel insurance from Trawick International?Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.
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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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Safe Travels USA plan
Safe Travels USA Comprehensive offers excellent medical coverage. This includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.
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