Safe Travels USA Cost Saver Insurance Reviews
Safe Travels USA Cost Saver is Trawick International’s budget-friendly travel medical insurance plan for non-U.S. citizens, Green Card holders, and transit-visa travelers visiting the USA. It covers the unexpected recurrence of pre-existing conditions for travelers up to age 70, with plans starting at $39/month.
Trusted by thousands of American travelers every year
Safe Travels USA Cost Saver Insurance is underwritten by Zurich Insurance Europe AG Belgian branch, an A-rated insurer recognized for financial strength and a strong record of paying claims.
What Is Safe Travels USA Cost Saver Travel Insurance?
Safe Travels USA Cost Saver is a cheapest comprehensive travel insurance for USA. Plan is designed for non-U.S. citizens, Green card holders and travelers on transit visas in the U.S. Provides excess temporary accident and sickness medical coverage for the budget-minded travelers. Covers Unexpected Recurrence of a Pre-existing condition up to $1,000. Coverage is available for travelers aged 14 days to 70 years, for a minimum of 5 days and up to a maximum of 364 days.
Safe Travels USA Cost Saver participates in First Health PPO network which is a very widely recognized PPO network all over the U.S. Covid-19 treatment is excluded. Learn more about how Cost saver US insurance works.
After buying the plan, travelers can access all plan documents and their ID card through the Safe Travels USA Cost Saver client login. At American Visitor Insurance, licensed agents are available to help with plan details, quotes, or claims questions.
Coverage up to $25,000 for cardiac or stroke events (up to $15,000 for travelers over 80), plus a $125 well-doctor visit benefit within the first month of the policy.
This plan excludes COVID19 (and other pandemic/epidemics) from coverage. It has a 20% of the first $5000 coinsurance that must be paid after the deductible.
Trawick Safe Travels Insurance Reviews
"It was a pleasant experience. The representative, I believe it was Rusty, had the patience to deal with me. Thank You."
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"It was very helpful to speak to someone about our policy choices. Your website is relatively easy to use and to navigate to find the information."
Eligibility Requirements
Citizenship
Non-US citizens, Green Card holders, and transit-visa travelers visiting the USA.
Age Requirements
Travelers ages 14 days to 89 years. Not available age 90 or above.
Coverage Duration
Minimum 5 days, maximum 364 days; renewable to 364 days total.
Cancellation Policy
Full refund before the effective date. After the effective date, a $25 cancellation fee applies to unused, full-month premiums (if no claims were filed).
Green Card Holders
This plan is ideal for Green Card holders visiting the United States who need affordable visitor medical insurance for USA re-entry trips.
Who May Not Need This Plan?
Why You Can Trust Safe Travels USA Cost Saver Insurance?
- Underwriter: Zurich Insurance Europe AG Belgian branch - a financially stable, highly rated insurer.
- Plan Administrator: Trawick International, licensed and operating since 1998.
- PPO Network: FirstHealth PPO - no co-insurance when you stay in-network.
- 24/7 Assistance: Provided by On Call International, a dedicated travel assistance company.
- Sold through: American Visitor Insurance (Crossborder Services, LLC), a licensed insurance agency.
Who Should Buy Safe Travels USA Cost Saver?
- check_circle Budget-conscious visitors to the USA who want comprehensive-style benefits without the higher premium of Safe Travels USA or Safe Travels USA Comprehensive.
- check_circle Green Card holders visiting the United States who need affordable visitor medical insurance for USA re-entry trips.
- check_circle Travelers on a transit visa passing through the USA who need short-term medical protection.
- check_circle Older travelers (up to 89 years) who specifically want cardiac and stroke coverage up to $25,000 or $15,000.
- check_circle Travelers who don't need COVID-19 medical coverage, since this plan explicitly excludes COVID-19/SARS-CoV-2 claims.
Trawick Safe Travels USA Cost Saver Plan Key Highlights
One of the most competitively priced comprehensive-style plans for visitors to the USA, starting around $39/month.
Pays 80% of the first $5,000 of eligible expenses after the deductible, then 100% up to the policy maximum.
Covers acute onset of pre-existing conditions up to age 89 - up to the full policy maximum for ages up to 69, $35,000 for ages 70-79, and $20,000 for ages 80+.
Emergency medical evacuation covered 100% up to $1,000,000; repatriation of remains up to $50,000.
Up to $125 for one preventive doctor visit within the first 21 days of coverage - uncommon on budget plans.
No network restriction - see any provider, with lower coinsurance when you stay in the First Health network.
Pros & Cons of Safe Travels USA Cost Saver Insurance
Advantages
6 benefitsLower premiums than Safe Travels USA and Safe Travels USA Comprehensive, from about $39/month.
Coverage up to $1,000,000 with comprehensive-style benefits.
Available to Green Card holders and transit visa travelers.
Wide First Health PPO provider network.
Cardiac and stroke coverage up to $25,000 (under 70) or $15,000 (70+).
Emergency medical evacuation, repatriation, and AD&D included.
Renewable up to 364 days, and eligible up to age 89.
Disadvantages
6 limitsCOVID-19 and SARS-CoV-2 expenses are not covered.
80%/100% co-insurance step, not flat 100% coverage.
Pre-existing condition benefit capped at $1,000 and ends at age 70.
Not available to anyone residing in the U.S. over 365 days.
Not available to travelers age 90 or above.
No dental or pharmacy providers listed in-network.
How Much Does Safe Travels USA Cost Saver Insurance Cost?
Safe Travels USA Cost Saver cost per month ranges from $39 to $678, depending on the traveler's age, the policy maximum selected, and the deductible. Older travelers pay more since they're statistically more likely to need care; higher plan maximums raise the premium, while a higher deductible lowers it.
The table shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
Ages 65-79: $50,000 or $100,000
Ages 80-89: $50,000 only
Deductible: $250
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 18 - 29 years | $39 | $49 | $55 | $62 | $69 |
| 30 – 39 years | $48 | $66 | $76 | $74 | $80 |
| 40 - 49 years | $71 | $88 | $99 | $106 | $118 |
| 50 - 59 years | $118 | $147 | $176 | $185 | $198 |
| 60 - 64 years | $140 | $181 | $219 | $235 | $251 |
| 65 - 69 years | $163 | $206 | Not available for this age group | ||
| 70 - 79 years | $239 | $301 | Not available for this age group | ||
| 80 - 89 years | $678 $50,000 maximum coverage, $250 deductible | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Working Example of Safe Travels USA Cost Saver Insurance
Suppose a 38-year-old visitor from Brazil to the USA fractures an ankle and needs emergency surgery. They chose the $100,000 plan with a $500 deductible. Here's what happens:
| Service | Hospital bills | Plan pays | You pay |
|---|---|---|---|
| Deductible Paid once per policy period | $500 | $0 | $500 |
| Emergency surgery (ankle fracture repair) First $5,000 at 80% co-insurance, remainder at 100% | $9,500 | $8,500 | $1,000 |
| Hospital stay (2 nights) Above the $5,000 co-insurance threshold, paid at 100% | $3,600 | $3,600 | $0 |
| Diagnostics & imaging | $650 | $650 | $0 |
| Total | $14,250 | $12,750 | $1,500 |
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.
Deductible paid once
The $500 deductible applies once per policy period - not per visit or per service.
80/100 co-insurance
Pays 80% co-insurance on the first $5,000 of eligible expenses, then 100% up to the policy maximum. No network restriction
PPO lowers billed rates
FirstHealth PPO providers offer negotiated rates, helping lower your out-of-pocket costs.
Compare Safe Travels USA Cost Saver vs. Patriot America Lite vs. Safe Travels USA
See how Safe Travels USA Cost Saver compares with other popular comprehensive visitor insurance plans for the USA, including Safe Travels USA, IMG Patriot America Lite.
| Feature | Safe Travels USA Cost Saver | Patriot America Lite | Safe Travels USA |
|---|---|---|---|
| Underwriter | Zurich Insurance Europe AG | SiriusPoint Specialty Insurance Corp | Zurich Insurance Europe AG |
| A.M. Best Rating | A (Excellent) | A- (Excellent) | A (Excellent) |
| Policy Maximum | $50,000 – $1,000,000 | Up to $1,000,000 | $50,000 – $1,000,000 |
| Co-insurance (in-network) | 80% first $5,000, then 100% | 80% first $5,000, then 100% | 90% of first $2,500, then 100% |
| Pre-Existing Conditions | Unexpected recurrence, $1,000, up to age 70 | Not covered | Unexpected recurrence, higher limit, up to age 69 |
| PPO Network | First Health | UnitedHealthcare + First Health | First Health |
| COVID-19 Coverage | Not available | Not available | Covered as any other illness |
| Renewability | Up to 364 days | Up to 24 months | Up to 364 days |
| Starting Price | From ~$39/month | From ~$35–40/month | From ~$25/month |
| Explore Plan | View Plan » | View Plan » | View Plan » |
| Get Started | shopping_cart Buy Now | shopping_cart Buy Now | shopping_cart Buy Now |
- Coverage: Safe Travels USA Cost Saver offers medical coverage up to $1,000,000, matching both Patriot America Lite and the standard Safe Travels USA plan at the top end.
- Co-Insurance: Pays 80% of the first $5,000 in-network, then 100% up to the policy maximum - identical to Patriot America Lite, but a step below Safe Travels USA's lighter 90%/$2,500 structure.
- Pre-Existing Conditions: Covers unexpected recurrence of a pre-existing condition up to $1,000, for travelers up to age 70 - one year broader by age than Safe Travels USA (age 69) and a benefit Patriot America Lite doesn't offer at all.
- PPO Network: Runs on the First Health PPO network, matching the standard Safe Travels USA plan and giving nationwide access to doctors and hospitals.
- COVID-19 Coverage: Not available on Safe Travels USA Cost Saver or Patriot America Lite; travelers who need COVID-19 coverage should compare Safe Travels USA instead.
- Renewability: Renewable up to 364 days, on par with Safe Travels USA but shorter than Patriot America Lite's 24-month renewability.
- Starting Price: From ~$39/month - a bit higher than Safe Travels USA (~$25/month) but competitive with Patriot America Lite (~$35-40/month) given the comparable coverage.
- Overall: Safe Travels USA Cost Saver is a solid middle-ground pick - it pairs $1,000,000 comprehensive coverage and a pre-existing condition benefit with a lower premium than a full Safe Travels USA plan, though travelers wanting COVID-19 coverage or the lightest co-insurance should compare Safe Travels USA instead.
Optional Add-On Benefits
| 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
Available for group plans. Reimburses up to $3,000 for a replacement chaperone's round-trip economy airfare if the designated chaperone must cancel or interrupt travel due to a family emergency.
Enhanced AD&D RiderAvailable to the primary insured only, in addition to the standard AD&D benefit. Requires a minimum purchase of three months.
Evacuation Plus RiderAvailable to insureds up to age 65. Covers non-life-threatening medical evacuations up to $25,000 and natural disaster evacuation up to $5,000. Minimum purchase of 3 months required.
Sports Activity RiderAdds coverage up to $50,000 for Class 1 sports (archery, tennis, swimming, cross country, track, volleyball, golf) and Class 2 sports (ballet, baseball, basketball, cheerleading, equestrian, fencing, field hockey, football except division 1, gymnastics, hockey without league play, karate, lacrosse, polo, rowing, rugby, soccer, softball). Extreme sports and league hockey play are excluded.
Safe Travels USA Cost Saver PPO Network - How It Works
Inside the U.S., Safe Travels USA Cost Saver participates in the First Health 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 Cost Saver, so the out-of-network deductible applies to eligible pharmacy and dental claims.
- In-Network PPO Care: 80% of first $5,000, then 100%
- Out-of-network coinsurance: 90% of first $5,000, then 100%
- Pharmacies: All Pharmacies are considered out-of-network for this plan.
- Dental providers: All dental providers are considered out-of-network for this plan.
How Do I File a Claim With Safe Travels USA Cost Saver Insurance?
To file a claim with Safe Travels USA Cost Saver Insurance, follow these steps: