Safe Travels USA Insurance Reviews
Safe Travels USA Insurance by Trawick International is a comprehensive visitor medical insurance plan for non-U.S. citizens visiting the United States. It includes COVID-19 coverage, acute onset of pre-existing conditions, and emergency medical evacuation up to $1,000,000, with plans starting at $45/month.
Trusted by thousands of American travelers every year
Safe Travels USA Insurance is underwritten by Zurich Insurance Europe AG Belgian branch, an A-rated U.S.-based insurer recognized for financial strength and a strong record of paying claims.
What Is Safe Travels USA Travel Insurance?
Safe Travels USA Insurance is a comprehensive travel medical insurance plan designed specifically for non-U.S. citizens visiting the United States. It offers extensive coverage for medical expenses and travel-related benefits during temporary stays - making it one of the most searched Trawick International Safe Travels USA insurance options among tourists, business travelers, and parents visiting the U.S.
Safe Travels USA stands out as one of the few comprehensive visitor insurance plans available to travelers aged 80–89, offering a $50,000 policy maximum for senior applicants - a key benefit for families buying Safe Travels USA insurance online for aging parents.
After buying the plan, travelers can access all plan documents and their ID card through the Safe Travels USA client login. At American Visitor Insurance, licensed agents are available to help with plan details, quotes, or claims questions.
- Available for individuals with flexible 5–364 day coverage terms
- Participates in the First Health PPO network nationwide
- Covers sudden, unexpected recurrence of pre-existing conditions up to $1,000
- COVID-19 coverage included, treated like any other illness
- Out-of-network: 90% of first $2,500, then 100% to policy max
- Eligible for Green Card holders and transit visa travelers
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."
"It was very easy to get a quote online and when I asked a question in the Live Chat I received a prompt response."
"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
Available to non-U.S. citizens and non-U.S. residents visiting the USA, or the USA plus other countries.
Age Requirements
Coverage extends up to age 89, with a $50,000 policy maximum available for travelers aged 80–89.
Coverage Duration
Plan periods run from 5 days up to 364 days and are renewable online for a small fee.
Cancellation Policy
Full refund before the effective date. After the effective date, a $25 cancellation fee applies to unused, full-month premiums.
Green Card Holders
Eligible Green Card holders may purchase this plan when visiting the United States.
Restricted Countries
Not available for travel to/in Indonesia, Lebanon, Cuba, North Korea, Palestine, Syria, Iran, Sudan, Ukraine/Crimea, Belarus, Russia, and other OFAC-restricted countries.
Who May Not Need This Plan?
Who Should Buy Safe Travels USA?
- flight_takeoff B1/B2 Visitor Visa: Tourists and business visitors on a B1/B2 visa are not covered by U.S. healthcare and need Safe Travels USA for ER visits, hospital stays and doctor consultations.
- badge ESTA / Visa Waiver Travelers: Visitors entering under the Visa Waiver Program still need medical coverage, since U.S. hospital bills are not covered by ESTA or foreign health plans.
- family_restroom Parents Visiting on a Visitor Visa: One of the most searched needs: coverage for aging parents visiting adult children, including acute onset of pre-existing condition and cardiac benefits.
- id_card Green Card Holders (Short Trips): Green Card holders temporarily without domestic coverage, or between employer plans, can use Safe Travels USA while re-entering or transitioning coverage.
Trawick Safe Travels USA Plan Key Benefits
Covered medical expenses up to the plan maximum ($50,000–$1,000,000), including hospital stays, doctor visits, ER treatment, surgery, diagnostics and prescriptions.
Eligible cardiac and stroke emergencies covered up to $25,000 per policy period for travelers up to age 69, and up to $15,000 for age 70+.
Unexpected recurrence of a pre-existing condition is covered up to $1,000 for travelers up to age 69 - a key Safe Travels USA insurance plan benefit for parents.
Up to $1,000,000 in emergency medical evacuation coverage when medically necessary transport to the nearest appropriate facility is required.
Emergency medical treatment related to pregnancy is covered up to $1,000, subject to plan terms, conditions and exclusions.
Includes one Well Doctor Visit benefit of up to $125 per policy period, allowing preventive care during your covered trip.
COVID-19 medical expenses are covered and treated the same as any other sickness under the Safe Travels USA plan - no pandemic exclusions.
Virtual doctor consultations for non-emergency conditions, so you can get medical advice without visiting an ER or clinic.
Enhance your plan with Sports Activities, Hazardous Activities, Return to Home Country, and AD&D (Accidental Death & Dismemberment) riders.
Pros & Cons of Safe Travels USA Insurance
Advantages
7 benefitsComprehensive medical coverage with flexible deductible and policy maximum options.
90% coinsurance of the first $2,500, then 100% to the policy maximum in-network.
Eligible for Green Card holders and travelers visiting the USA.
Broad First Health PPO provider network for reduced out-of-pocket costs.
Covers unexpected recurrence of pre-existing conditions ages up to 69.
Cardiac emergency benefits up to $25,000 (under 70) / $15,000 (70+).
Pregnancy emergency treatment covered up to $1,000.
Disadvantages
6 limitsEligibility caps out at age 89.
Not available to anyone who has resided in the U.S. for more than 365 days prior to the effective date.
Pharmacy and dental providers are out-of-network under the First Health PPO.
Acute onset pre-existing condition benefit is capped at $1,000.
Not available for travel to restricted/OFAC-sanctioned countries.
Higher policy maximums increase the monthly premium, especially for seniors.
How Much Does Safe Travels USA Insurance Cost?
Safe Travels USA insurance cost starts at just $45 to $887 per month, based on the traveler's age, selected policy maximum and deductible amount. Older travelers pay higher premiums due to increased medical risk; a higher maximum raises 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, $100,000
Ages 80-99: $50,000 only
Deductible: $250
| Age of traveler | $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 |
|---|---|---|---|---|---|
| 18 - 29 years | $45 | $56 | $63 | $80 | $86 |
| 30 – 39 years | $61 | $83 | $87 | $106 | $110 |
| 40 - 49 years | $89 | $112 | $124 | $151 | $164 |
| 50 - 59 years | $132 | $166 | $187 | $136 | $244 |
| 60 - 64 years | $153 | $201 | $249 | $298 | $306 |
| 65 - 69 years | $167 | $226 | Not available for this age group | ||
| 70 - 79 years | $262 | $345 | Not available for this age group | ||
| 80 - 99 years | $887 $50,000 maximum coverage, $250 deductible | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Working Example of Safe Travels USA Insurance
Suppose a 45-year-old visitor from India to the USA has a sudden appendicitis attack requiring emergency surgery. They chose the $100,000 plan with $250 deductible. Here's what happens:
| Service | Hospital bills | Plan pays | You pay |
|---|---|---|---|
| Deductible Paid once per policy period | $250 | $0 | $250 |
| Emergency surgery (appendectomy) First $2,500 at 90% co-insurance, remainder at 100% | $20,000 | $19,750 | $250 |
| Hospital stay (2 nights) $2,000/night × 2 | $4,000 | $4,000 | $0 |
| Diagnostics & labs | $800 | $800 | $0 |
| Total | $25,050 | $24,550 | $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 $250 deductible applies once per policy period - not per visit or per service.
90% co-insurance in-network
Pays 90% co-insurance on the first $2,500 of eligible expenses, then 100% up to the policy maximum
PPO reduces gap
FirstHealth PPO providers offer negotiated rates, helping lower your out-of-pocket costs.
Compare Safe Travels USA vs. IMG Visitors Protect vs. Patriot America Plus
See how Safe Travels USA compares with other popular comprehensive visitor insurance plans for the USA, including IMG Visitors Protect, and Patriot America Plus.
| Feature | Safe Travels USA | IMG Visitors Protect | Patriot America Plus |
|---|---|---|---|
| Underwriter | Zurich Insurance Europe AG | SiriusPoint Specialty Insurance Corp | SiriusPoint Specialty Insurance Corp |
| AM Best Rating | A (Excellent) | A- | A (Excellent) |
| Max coverage | $1,000,000 | $250,000 | $1,000,000 |
| Coinsurance (in-network) | 90% of first $2,500, then 100% | 75/60 up to $5,000 then 100% | 80/20 up to $5,000 then 100% |
| Pre-Existing Conditions | Unexpected Recurrence, $2,500, up to age 69 | Up to age 99 | Acute onset up to age 69 |
| COVID-19 Coverage | Included | Included | Included |
| Renewability | Up to 364 days | Up to 364 days | Up to 364 days |
| Starting Price | From ~$25/month | From ~$340/ 3 months | From ~$50/month |
| PPO network (USA) | First Health | UnitedHealthcare | First Health/UnitedHealthcare |
| 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 Insurance ties with Patriot America Plus for the highest medical coverage at $1,000,000, well above IMG Visitors Protect ($250,000) and VisitorSecure ($130,000).
- Pre-Existing Conditions: IMG Visitors Protect offers the broadest acute onset coverage (up to age 99), while Safe Travels USA Insurance and Patriot America Plus cover unexpected recurrence up to age 69, and VisitorSecure covers acute onset under age 70.
- Coinsurance (In-Network): Safe Travels USA Insurance offers the strongest in-network cost-sharing structure - 90% of the first $2,500, then 100% to the policy maximum - outperforming IMG Visitors Protect's 75/60 split and Patriot America Plus's 80/20 split, both capped at $5,000; VisitorSecure does not list an in-network coinsurance benefit.
- PPO Network: Safe Travels USA Insurance runs on the First Health PPO network, while IMG Visitors Protect and VisitorSecure use UnitedHealthcare, and Patriot America Plus offers access to both First Health and UnitedHealthcare.
- Starting Price: Safe Travels USA Insurance is the most affordable of the group, starting from about $25/month, compared to VisitorSecure (~$38/month), Patriot America Plus (~$50/month), and IMG Visitors Protect (~$340 per 3 months, roughly $113/month).
- Renewability: All four plans match at up to 364 days of renewable coverage.
- Financial Strength: VisitorSecure carries the highest AM Best rating (A++ Superior), while Safe Travels USA Insurance and Patriot America Plus are both rated A (Excellent), and IMG Visitors Protect is rated A-.
- Overall: Safe Travels USA Insurance delivers the strongest all-around value in this comparison - the highest coverage tier, the most favorable in-network coinsurance terms, and the lowest starting price - making it one of the best comprehensive visitor insurance options for travelers to the USA.
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
- 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 »
Safe Travels USA PPO Network - How It Works
Inside the U.S., Safe Travels USA participates in the First Health PPO network - a tier-one network of physicians, hospitals and healthcare providers recognized across all 50 states.
You can find a provider in the USA by using the following link
- In-Network PPO Care: 90% of first $2,500, then 100%
- Out-of-network coinsurance: 90% of first $2,500, 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 Insurance?
To file a claim with Safe Travels USA Insurance, follow these steps: