Safe Travels USA Comprehensive Insurance
A comprehensive visitor medical insurance plan built for non-U.S. citizens and green card holders visiting the USA - with up to $1,000,000 in coverage, acute onset of pre-existing condition benefits, and UnitedHealthcare PPO Network access. This travel insurance for visitors to USA starts from just $50/month.
What Is Safe Travels USA Comprehensive Insurance?
Safe Travels USA Comprehensive is a travel medical insurance plan for non-U.S. citizens visiting the USA. It is available for travelers up to 89 years of age and can be purchased for coverage periods from 5 to 364 days, with renewal options. As a comprehensive visitor medical insurance plan, it offers benefits up to $1,000,000 for covered accidents and illnesses, along with limited coverage for the acute onset of pre-existing conditions for eligible travelers.
This visitors insurance plan participates in the UnitedHealthcare PPO Network, one of the most widely recognized preferred provider networks across the United States. COVID-19 related expenses are covered and treated the same as any other sickness under this plan.
After buying the plan, Traveler can get all the plan documents and plan ID card by using Safe Travels USA Comprehensive login. At American Visitor Insurance, US Travelers can contact the Safe Travels USA Comprehensive customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Who Is Safe Travels USA Comprehensive Best Suited For?
Acute onset of pre-existing condition coverage up to age 89, plus dedicated cardiac and stroke benefits, makes this a practical visitor insurance option for parents visiting the USA on a B1/B2 visa.
Coverage from just 5 days and renewable up to 364 total days, so this travel insurance plan fits everything from a short family visit to an extended stay in the United States.
Inside the UnitedHealthcare PPO Network, this plan pays 90% of the first $2,500 then 100% up to the policy maximum, keeping out-of-pocket costs predictable
Safe Travels USA Comprehensive offers medical coverage up to $1,000,000, with options for travelers visiting the USA. Coverage for acute onset of pre-existing conditions is available with limitations - up to the policy maximum for ages 69 and under, $35,000 for ages 70-79, and $20,000 for age 80 and older. Trip interruption is included, while routine treatment for pre-existing conditions is not covered.
How Much Is Safe Travels USA Comprehensive Travel Insurance Coverage?
The policy maximum amount of coverage is the cumulative total amount of Dollar amount benefit that is available by Safe Travels USA Comprehensive insurance. Once reached, no other benefits will be available. Safe Travels USA Comprehensive insurance has policy maximum options of
- check_circleAges 0-64: $50,000, $100,000, $250,000, $500,000 or $1,000,000
- check_circleAges 65-79: $50,000, $100,000
- check_circleAges 80-89: $20,000 only
What Is a Deductible in Safe Travels USA Comprehensive Insurance?
The deductible is the Dollar amount that insured travelers need to pay for coverage before the Safe Travels USA Comprehensive travel insurance actually starts to pay. Safe Travels USA Comprehensive insurance has deductible options of $0, $100, $250, $500, $1,000, $2,500, $5,000.
What Is a Coinsurance in Safe Travels USA Comprehensive Insurance?
Co-insurance is the percentage of eligible expenses the company will pay after the deductible is met. If the insured receives treatment in the PPO Network, Safe Travels USA Comprehensive insurance pays 100% up to the Policy Maximum.
Why Should I Buy Safe Travels USA Comprehensive Insurance?
Safe Travels USA Comprehensive is a comprehensive travel medical insurance plan for non-U.S. citizens visiting the USA, offered by Trawick International and underwritten by Zurich Insurance Europe AG, Belgian branch (AM Best rating: A - Excellent). Inside the UnitedHealthcare PPO Network, the plan pays 90% of the first $2,500 in eligible expenses after the deductible, then 100% up to your chosen policy maximum, making it a popular choice for parents visiting the USA, tourists, business travelers, and green card holders.
- check_circle Acute onset of pre-existing condition covered up to 100% of the policy maximum for travelers up to age 69, up to $35,000 for ages 70-79, and up to $20,000 for ages 80 and above - chronic and pre-existing care needed before the effective date is excluded.
- check_circle Emergency medical evacuation covered 100% up to $1,000,000 lifetime maximum, including up to $25,000 for evacuations related to an acute onset pre-existing condition.
- check_circle Dedicated cardiac and stroke coverage up to $25,000 per period of insurance for travelers up to age 69, and up to $15,000 for ages 70 and above - a benefit not all U.S. visitor plans call out separately.
- check_circle Optional sports activity coverage up to $50,000 for eligible Class 1 and Class 2 recreational sports, from tennis and golf to soccer and basketball.
- check_circle Dental treatment covered up to $250, plus a $125 well doctor visit benefit within the first 21 days of coverage.
- check_circle Urgent Care Clinic visits covered with just a $30 copay per incident, waived for members who choose a $0 deductible.
- check_circle Repatriation of mortal remains covered 100% up to $50,000, plus up to $5,000 for local burial or cremation abroad.
- check_circle Green card holders are eligible to purchase this plan, in addition to non-U.S. citizens and residents.
- check_circle Renewable and extendable for up to 364 days total - so it's easy to keep coverage in place for both short visits and extended stays in the U.S.
Safe Travels USA Comprehensive is one of the most searched Trawick International plans for travelers to the USA, combining broad UnitedHealthcare PPO Network access, acute onset of pre-existing condition coverage, and dependable evacuation protection for parents, seniors, and international visitors alike.
Who Is Eligible for Safe Travels USA Comprehensive Travel Health Insurance?
- check_circle For non-U.S. residents and non-U.S. citizens traveling to the USA, or to the USA and other countries.
- check_circle Available for travelers ages 1 to 89 years.
- check_circle Green card holders are eligible to purchase this visitor medical insurance plan.
- check_circle Not available to any individual who has resided within the United States for more than 365 days.
Does Safe Travels USA Comprehensive Cover Pre-Existing Conditions?
Yes - this visitor medical insurance plan includes limited coverage for the acute onset of a pre-existing condition:
Acute Onset Benefit Applies Only If:- Ages up to 69: covered up to 100% of the policy maximum.
- Ages 70–79: benefit limited to a maximum of $35,000.
- Ages 80 and above: benefit reduced to a maximum of $20,000.
To qualify, the condition must occur suddenly without prior symptoms, arise at least 48 hours after the effective date, be treated within 24 hours of onset, and be short-term and rapidly progressive. This benefit excludes coverage for pre-existing care, treatments, or medications required before the effective date.
How Much Does Safe Travels USA Comprehensive Insurance Cost?
The Safe Travels USA Comprehensive insurance cost typically ranges from $50 to $528 per month, depending on the traveler’s age, selected coverage maximum, and deductible. The Safe Travels USA Comprehensive monthly cost is generally higher for older travelers, while choosing a higher coverage maximum can increase the premium. Selecting a higher deductible can help reduce the overall cost of this USA visitor insurance plan.
The table below shows sample Safe Travels USA Comprehensive insurance rates based on a $250 deductible. Choosing a higher deductible generally lowers the premium, while a lower deductible results in a higher premium. Comparing coverage limits, deductibles, and traveler age can help you find the right travel medical insurance for visitors to the USA.
Ages 65-79: $50,000, $100,000
Ages 80-89: $20,000 only
Deductible: $250
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 18 - 29 years | $52 | $66 | $80 | $94 | $103 |
| 30 – 39 years | $71 | $97 | $114 | $124 | $131 |
| 40 - 49 years | $94 | $117 | $136 | $159 | $175 |
| 50 - 59 years | $154 | $194 | $244 | $275 | $289 |
| 60 - 64 years | $179 | $235 | $310 | $348 | $364 |
| 65 - 69 years | $205 | $263 | Not available for this age group | ||
| 70 - 79 years | $306 | $489 | Not available for this age group | ||
| 80 - 89 years | $1,055 ($20,000 maximum coverage, $250 deductible) | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
What Are the Benefits of Safe Travels USA Comprehensive Visitor Medical Insurance?
| Hospital Room & Board | The average semi private room rate |
| Urgent Care Co-Pay | $30 per Incident (Not subject to Deductible); copayment not applicable if the Deductible is $0 |
| Walk In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Well Doctor Visit | $125 - One Visit per Period of Insurance |
| Physician visits | Covered |
| Cardiac Conditions and Stroke Expenses | Up to $25,000 per Period of Insurance for ages up to 69 or $15,000 per Period of Insurance for ages 70+ |
| Emergency Room Sickness | $200 Additional deductible per visit |
| Hospital Intensive Care Unit | 3 times the average semi-private room rate |
| Diagnostic X-rays and Lab Services | Covered |
| Prescription Drugs and Medications | Up to the plan Maximum |
| Emergency Medical Treatment of Pregnancy | Up to $1,000 |
| Mental or Nervous Disorders | Up to $2,500 |
| Physiotherapy/Physical Medicine/Chiropractic | $50 per visit per day (10 visits per Period of Insurance) |
| Dental Treatment | Up to $250 |
| Emergency Room Injury/Accident | Covered |
| Emergency Medical Evacuation | 100% up to $1,000,000 (up to $25,000 for any condition covered under Unexpected Recurrence of a Pre-Existing Condition) |
| Ambulance Service | Covered |
| Natural Disaster Evacuation | $10,000 ($250/day to a max of 5 days) |
| Political Evacuation | $25,000 |
| Repatriation of Mortal Remains | 100% up to $50,000 |
| Local Burial/Cremation | $5,000 |
| Return of Minor Children or Grandchildren or Traveling Companion | $5,000 |
| Emergency Reunion | $15,000 |
| Medically Necessary Repatriation | 100% up to $15,000 |
| Trip Interruption | $5,000 |
| Loss of Checked Baggage | $1,000 |
| Accidental Death and Dismemberment (Excludes Loss Due to Common Carrier Accident) | $50,000 (all ages), $100,000 (ages 19 - 79 only), $250,000(ages 19 - 69 only), or $500,000 (ages 19 - 69 only) |
| Return to Home Country Coverage | Up to $25,000 |
| Sports Activity Coverage | Up to $50,000. Provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded. |
| Acute Onset of Pre-Existing Conditions | For ages up to 69 years: Covers up to 100% of the policy maximum. For ages 70-79 years: The Acute Onset benefit is limited to a maximum of $35,000. For ages 80 and above: The Acute Onset benefit is reduced to a maximum of $20,000. |
Safe Travels USA Comprehensive PPO Network - How It Works?
Inside the U.S., Safe Travels USA Comprehensive participates in the UHC Direct PPO network - a tier-one network of physicians, hospitals and healthcare providers recognized across all 50 states, helping you access negotiated rates and lower out-of-pocket costs on your comprehensive plan.
You can find an in-network provider in the USA by using the following link. Please note that pharmacies and dental providers are considered out-of-network under Safe Travels USA Comprehensive, so the out-of-network deductible applies to eligible pharmacy and dental claims.
What Are The Optional Riders for Safe Travels USA Comprehensive Insurance?
| Option 1 | Increase to $50,000 maximum AD&D benefit | Additional $0.25 per person per day |
| Option 2 | Increase to $100,000 maximum AD&D benefit | Additional $0.50 per person per day |
| Option 3 | Increase to $250,000 maximum AD&D benefit | Additional $1.75 per person per day |
| Option 4 | Increase to $500,000 maximum AD&D benefit | Additional $4.00 per person per day |
- Persons up to age 69 are eligible for all Options
- Persons age 70-79 are eligible for Option 1 and 2
- Persons age 80 and older are eligible for Option 1 only
- Children are eligible for Option 1 only
- Covers up to $50,000 - provides coverage while performing, practicing, or participating listed Sports only. Collision and Extreme Sports are excluded.
- If coverage is purchased for Class 1: this benefit provides coverage to the Covered Person while performing, practicing, or participating in archery, tennis, swimming, cross country, track, volleyball, and golf.
- If coverage is purchased for Class 2: includes following sports, ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football (except division 1), gymnastics, hockey (no league play), karate, lacrosse, polo, rowing, rugby, soccer, and softball.
- Any Sport Activity not expressly covered hereunder is excluded from this Policy unless the activity is noncontact and engaged in by You solely for leisure, recreation, entertainment, or fitness purposes only.
- Covers up to $25,000 - provides coverage during the period of insurance, in your home country while on an incidental trip.
- For trips up to 60 days (total) per 12 months of coverage purchased. To be eligible your period of insurance must be greater than 30 days and are returning to the home country after the trip began. More Details »
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How Do I File a Claim With Safe Travels USA Comprehensive Insurance?
To file a claim with Safe Travels USA Comprehensive Insurance, follow these steps:
Safe Travels Primary and Secondary Travel Health Insurance Blog
The Primary insurance plan is the one that starts to pay as soon as there is an unexpected injury/illness or when there is a medical expense without assuming that there is a secondary plan. In other words, the primary plan should pay regardless of the existence of the secondary plan just as if the patient had only the primary plan to cover him/her. The Secondary health insurance plan unlike the Primary under the coordination of benefits provision will then take into consideration the expenses that were not covered by the primary plan and will be considered for payment under the Secondary plan. Therefore, the Secondary plan will fill any gaps found in coverage from the Primary plan.
Safe Travels USA Comprehensive Insurance – FAQs
Why Buy Safe Travels USA Comprehensive Insurance Through American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right travel medical insurance for visitors to the USA with confidence and purchase your Safe Travels USA Comprehensive plan online in minutes.
- check_circleEasy Plan Comparison and Purchase: Buy Safe Travels USA Comprehensive Insurance online through American Visitor Insurance while reviewing plan details, understanding your policy maximum and deductible options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
- check_circleHelpful Resources for Better Decisions: We offer detailed FAQs, a blog, and guides based on real customer questions - including how the Acute Onset of Pre-Existing Condition benefit works. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
- check_circleExperienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right Trawick International plan.
- check_circleSupport When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
- check_circleLicensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).