Are you considering the Safe Travels USA Comprehensive Insurance plan for your next trip? If so, you’ve come to the right place. This comprehensive review will explore the features and benefits of the Safe Travels USA Comprehensive Insurance plan to help you make an informed decision.
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About Safe Travels USA Comprehensive
Safe Travels USA Comprehensive is a comprehensive Travel Medical insurance plan designed to provide medical coverage and other covered travel and emergency services for visitors to the United States during their travel and temporary stay outside of their home country. The coverage duration available is from 5 days to 364 days.
The plan covers unforeseen events like accidents, illness, or hospitalization. It covers eligible medical expenses, emergency evacuation, repatriation of remains, trip interruption, baggage loss, and more.
After the deductible is satisfied within the First Health PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside the PPO network, the plan will pay 80% of the first $5,000 in eligible medical expenses, then 100% after that.
Safe Travels USA Comprehensive does not cover pre-existing medical conditions. It could cover COVID-19 like any other covered medical condition if the virus were contracted after the policy’s effective date. Please review Safe Travels USA Comprehensive’s policy documents for complete coverage and exclusions.
Safe Travels USA Comprehensive Plan Highlights
The Safe Travels USA Comprehensive Plan is designed to provide the coverage and peace of mind you need when traveling in the US. With this plan, you’ll receive COVID-19 coverage and coverage for acute onset of pre-existing conditions, emergency medical evacuation, urgent care visits, emergency room services, emergency dental coverage, prescriptions/medication, emergency medical treatment of pregnancy, and more.
For those traveling with a pre-existing condition, it’s important to note that there is no coverage for pre-existing conditions under this plan. However, you will be able to access emergency medical evacuation if needed.
When it comes to medical expenses, after the deductible is met, the plan pays 100% of eligible medical expenses within the First Health PPO network. Outside the PPO network, the plan pays 80% of eligible medical expenses up to $5,000, then 100% after that.
The Safe Travels USA Comprehensive Plan also gives you the peace of mind of knowing that you are covered should an emergency arise.
With coverage for emergency medical evacuation, urgent care visits, emergency room services, and emergency dental coverage, you can travel confidently, knowing that you are covered should an unexpected event occur.
Prescription medications and treatments are also covered under this plan. This includes medications for the acute onset of pre-existing conditions and emergency medical treatment of pregnancy. So if your trip involves any medication or treatment, you can rest assured knowing you will be covered.
Overall, the Safe Travels USA Comprehensive Plan is a great way to ensure you are covered while traveling in the US. With coverage for COVID-19 and other medical emergencies, you can travel with peace of mind knowing that you are protected.
Safe Travels USA Comprehensive Pros
Safe Travels USA Comprehensive offers a comprehensive travel insurance plan with several advantageous features.
The plan includes coverage for COVID-19 and provides access to the First Health PPO Network, allowing insured individuals to access an extensive selection of medical providers.
The plan pays up to 100% of eligible medical expenses after the deductible, up to the policy maximum within the PPO Network.
Additionally, it covers medical expenses incurred while traveling internationally, including acute onset of pre-existing conditions.
The policy is extendable and renewable and can be canceled at any time. It also comes with an emergency medical evacuation feature that will pay up to 100%.
Optional riders are also available for Accidental Death & Dismemberment (AD&D), athletic sports coverage, and return-to-home coverage.
With Safe Travels USA Comprehensive, you know you are fully covered for all your travels!
Safe Travels USA Comprehensive Cons
One of the most notable cons of the Safe Travels USA Comprehensive plan is that it does not provide coverage for individuals 90 years old and over.
While this exclusion applies to all age groups, other plans may better serve those who are especially vulnerable due to their age.
In addition, the coverage related to cardiac conditions is lower than for other conditions for all age groups. For those with existing cardiac issues or those who may be at risk of developing them, this may be an essential factor to consider when deciding whether to purchase the Safe Travels USA Comprehensive plan.
Finally, Safe Travels USA Comprehensive offers lower dental accident coverage than many other plans. While this may be a minor issue for most travelers, those who anticipate needing dental services during their trip should review the coverage limits carefully to ensure they are adequately covered.
Safe Travels USA Comprehensive Alternatives
There are a few options available if you are looking for alternatives to the Safe Travels USA Comprehensive plan.
- Atlas America: A travel medical insurance plan that provides comprehensive coverage for travelers outside their home country. The plan offers medical and evacuation expenses, trip interruption, baggage loss, and more coverage. It also covers pre-existing conditions and the acute onset of pre-existing conditions.
- CoverAmerica: Gold: A comprehensive travel medical insurance plan that covers medical expenses, evacuation and repatriation of remains, trip interruption, and more. It offers coverage for travelers who are visiting friends and relatives in the US, as well as those who are visiting for business or pleasure.
- Patriot America Plus: A comprehensive plan that includes coverage for medical and evacuation expenses, trip cancellation, repatriation of remains, and much more. It also provides coverage for political evacuation and terrorism. It’s an ideal choice for individuals traveling abroad for an extended period.
Regardless of your plans, it’s essential to read through the coverage details carefully and ensure they meet your needs.
Additionally, check to see if the plan is accepted by any hospitals or healthcare providers in the country you’ll be visiting. This can help ensure that you have access to the best possible care should you need it.
Safe Travels USA Comprehensive Benefits
When you invest in Safe Travels USA Comprehensive, you get a wide range of benefits that can help you stay covered while you’re on the road.
The plan includes coverage for in-patient and out-patient medical accidents & illness up to $1 million, evacuation, repatriation of remains, trip interruption, baggage, and AD&D. There is also a choice of deductibles from $0 to $5,000.
Safe Travels USA Comprehensive covers pre-existing conditions up to the medical policy max for non-cardiac ($25,000 limit for cardiac) conditions for 69y & under; covered up to $35,000 for non-cardiac ($15,000 limit for cardiac) conditions for 70y & above.
You can also take advantage of their PPO Hospital Network, where in-network, deductible, and co-insurance are waived.
In the Coventry First Health PPO Network, you can search for providers (doctors, hospitals, Urgent care, etc.).
In addition to this standard coverage, Safe Travels USA Comprehensive has two unique features that make it an attractive option.
Firstly, purchase the policy for at least 30 days. You can take advantage of a $125 Doctor Wellness Visit Benefit, which must occur within the first 21 days from the effective date of coverage.
Secondly, they cover Covid-19 as any other illness.
Safe Travels USA Comprehensive also offers optional athletic sports coverage, home country coverage, and 24-hour AD&D.
With such comprehensive coverage and flexibility, Safe Travels USA Comprehensive offers excellent value for anyone seeking peace of mind while traveling.
Benefits for Safe Travels USA Comprehensive Plan
| Benefit | Coverage Amount up to 64 years | Coverage Amount above 64 years |
|---|---|---|
| In-patient Hospital | From $50,000 to $1,000,000 | From $50,000 to $1,000,000 |
| Out-patient Clinic | From $50,000 to $1,000,000 | From $50,000 to $1,000,000 |
| Doctor Visit | From $50,000 to $1,000,000 | From $50,000 to $1,000,000 |
| Prescription Drugs | From $50,000 to $1,000,000 | From $50,000 to $1,000,000 |
Safe Travels USA Comprehensive Cost
The cost of the Safe Travels USA Comprehensive plan varies based on the plan limit, age, and length of coverage. It is important to note that the plan covers medical expenses, emergency medical evacuation, and repatriation of remains, which can be very expensive, so opting for a higher coverage limit is highly recommended.
The plan’s cost also increases with age; for instance, a 45-year-old person will have to pay more for the same plan than a 25-year-old person.
The premium for the plan starts from $50 for five days of coverage.
For longer terms, the premium can range from $25 to $360, depending on the plan limit and duration of coverage.
For instance, a 25-year-old person opting for $100,000 of coverage for 30 days can expect to pay a premium of $25.
On the other hand, an 89-year-old person opting for $1,000,000 of coverage for 364 days can expect to pay a premium of $360.
Overall, the Safe Travels USA Comprehensive plan is relatively affordable, considering its comprehensive coverage.
It offers five different coverage limits to choose from and can be renewed for up to 24 consecutive months, giving travelers more flexibility and peace of mind.
Plan Cost for Age Groups
| Age | Policy Max Limit $50,000 | Policy Max Limit $1,000,000 |
|---|---|---|
| From 50 to 59 years | $118 | $221 |
| From 60 to 64 years | $137 | $278 |
| From 65 to 69 years | $157 | NA |
| From 70 to 79 years | $234 | NA |
Premium based on a $250 deductible for 31 days
How to Claim Safe Travels USA Comprehensive Insurance?
To claim Safe Travels USA Comprehensive Insurance, follow these steps:
- Download the claims form and complete it.
- Attach copies of all the pages of your passport.
- Attach itemized billing records.
- Submit your paperwork for a new policy within 90 days after first talking to the insurance provider.
- Email Trawickclaims@cbpinsure.com or call the toll-free number for Claim Management – 877.916.7920.
Conclusion
Safe Travels USA Comprehensive Insurance is a comprehensive travel insurance plan that offers travelers comprehensive coverage and financial protection in an emergency.
It has an extensive list of benefits and advantages, including coverage for medical expenses, trip cancellations, lost luggage, and more. The policy also provides a 24-hour worldwide assistance hotline to help you with any issues or questions.
Additionally, Safe Travels USA Comprehensive Insurance is affordable and can be tailored to your individual needs and budget. With all these benefits and features, this insurance plan is ideal for those who need comprehensive coverage when traveling abroad.
Whether you are planning a short trip or an extended stay, having the right travel insurance can make all the difference in ensuring a smooth and worry-free journey. Safe Travels USA Comprehensive Insurance provides peace of mind and financial protection so you can focus on enjoying your trip to the fullest. Remember to review the policy details, coverage limits, and exclusions carefully to ensure it meets your specific travel needs. Bon voyage!
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