In the USA, healthcare is top-notch, but without insurance, it can get seriously pricey. Medical providers operate on a “fee for service” basis, meaning they expect payment for treating you. If your primary healthcare won’t cover you abroad, snagging a travel medical plan is a must.
For non-US Citizens/Residents headed stateside, we’ve got a range of US travel insurance plans in the offering. Some even cover COVID-19 expenses just like any other sickness – check the specifics upon purchase, and you’ll get a visa letter to prove it.
Safe Travels USA and Safe Travels USA Cost Saver:
- Excess medical coverage for hospitalization, surgery, physician visits, and prescriptions.
- Choose medical coverage max from $50,000 to $1,000,000.
- Deductibles range from $0 to $5,000.
- Add-on coverage for specific needs like Sports Activity.
- Urgent Care visits have a $30 co-pay.
- Covers Unexpected Recurrence of a Pre-existing Condition up to $1,000.
Safe Travels USA Comprehensive:
- Excess medical coverage for hospitalization, surgery, physician visits, and prescriptions.
- Choose medical coverage max from $50,000 to $1,000,000.
- Deductibles from $0 to $5,000.
- Add-on coverage for specific needs like Sports Activity.
- Urgent Care visits have a $30 co-pay.
- Covers Acute Onset of a Pre-existing Condition up to the policy maximum for most ages and up to $35,000 for ages 70 and over.
Safe Travel Elite:
- Low-cost limited benefit plan with fixed coverage amounts.
- Requires meeting a deductible before the plan pays.
- Pays up to a certain amount for eligible expenses.
- Example: If your plan covers $55 for a $205 physician visit, you’d pay $150 out of pocket.
- Example for hospitalization and surgery: If the total charged is $35,000, the plan may pay $2,000 a day for hospital room and board and $5,000 for surgery for a total of $15,000, and you would pay the rest or $20,000.
All plans offer up to $100,000 of medical expense coverage for ages 70-79, $50,000 up to age 89, and a $5,000 local burial option in lieu of the $50,000 repatriation benefit.
DISCLAIMER: Please review policy eligibility and exclusions prior to purchasing coverage.
Safe Travels USA is an EXCESS temporary accident and sickness Medical/Evacuation/Repatriation plan for foreign residents coming to the USA or USA and then other countries. This plan is not available to US Citizens or any individual who has been residing within the United States for more than 365 days. Extendable up to 364 days. COVID-19 EXPENSES are covered and treated as any other sickness.
Highlights
- COVID-19 EXPENSES are covered and treated as any other sickness
- Accident and Sickness Medical Policy Maximum Choices $50,000, $100,000, $250,000, $500,000, $1,000,000
- Deductible Choices $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
- Co-Insurance 90% of the first $2,500 then 100% up to the policy maximum
- Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
- UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION – – Limitations apply
- Wellness Visit – covered up to $125
- Optional Sports Coverage – see brochure for details
- Optional Home Country Coverage- see brochure for details
- New claims administrator and online claims filing/tracking – Effective 7/11/2023
Eligibility
- For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries
- For ages 14 days to 89 years
- Coverage for minimum 5 days to maximum up to 364 days
- Extendable for up to 364 days
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
- Rates are based on age, policy maximum and deductible
Safe Travels USA Cost Saver is an EXCESS temporary accident and sickness Medical/Evacuation/Repatriation plan for foreign residents coming to the USA or USA and then other countries. This plan is not available to any individual who has been residing within the United States for more than 365 days. Extendable up to 364 days. COVID-19 EXPENSES are NOT covered. This plan is not available to US Citizens.
Highlights:
- COVID-19 EXPENSES are NOT covered on this plan.
- Accident and Sickness Medical Policy Maximum Choices $50,000, $100,000, $250,000, $500,000, $1,000,000
- Deductible Choices $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
- Co-insurance 80% of the first $5,000 then 100% up to the policy maximum
- Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
- UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION – Limitations apply
- Wellness Visit – covered up to $125
- New claims administrator and online claims filing/tracking – Effective 7/11/2023
Eligibility:
- For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries
- For ages 14 days to 89 years
- Coverage for minimum 5 days to maximum up to 364 days
- Coverage may be extended, at the rates in force at the time of extension, for up to 364 days
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
- Rates are based on age, policy maximum and deductible
Safe Travels USA Comprehensive is an EXCESS temporary accident and sickness Medical/Evacuation/Repatriation plan for foreign residents coming to the USA or USA and then other countries. Covers Acute Onset of Pre-Existing conditions up to the policy maximum on some ages. This plan is not available to any individual who has been residing within the United States for more than 365 days. Extendable up to 364 days. COVID-19 EXPENSES are covered and treated as any other sickness.
Highlights:
- COVID-19 EXPENSES are covered and treated as any other sickness
- Accident and Sickness Medical Policy maximum Choices $50,000, $100,000, $250,000, $500,000, $1,000,000
- Deductible Choices $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
- After the deductible, the plan pays 100% up to the policy maximum
- Emergency Medical Evacuation/ Repatriation of Remains/Medically Necessary Repatriation/Local Burial/Cremation
- ACUTE ONSET OF PRE-EXISTING CONDITION- Limitations apply
- Wellness Visit – covered up to $125
- Optional Sports Coverage – see brochure for details
- Optional Home Country Coverage – see brochure for details
- New claims administrator and online claims filing/tracking – Effective 7/11/2023
Eligibility:
- For non US citizens, traveling to the USA or USA and then other countries
- Coverage for minimum 5 days to maximum up to 364 days
- Extendable for up to 364 days total
- For ages 1 to 89 years
- Not available to any individual who has been residing within the United States for more than 365 days
- Rates are based on age, policy maximum and deductible
Safe Travels Elite is a Limited benefit EXCESS temporary accident and sickness Medical/Evacuation/Repatriation plan for foreign residents coming to the USA. This plan is not available to US Citizens or any individual who has been residing within the United States for more than 365 days. Extendable up to 364 days. COVID-19 EXPENSES are covered and treated as any other sickness.
Highlights
- This is a LIMITED BENEFIT PLAN where the maximum amount paid to the provider is listed on the plan
- Accident and Sickness Medical Policy Maximum Choices $25,000, $50,000, $75,000, $100,000, $175,000
- Deductibles $0- Ages 0-69 and $100 or $200 Ages 70-89
- COVID-19 EXPENSES are covered and treated as any other sickness
- ACUTE ONSET OF A PRE-EXISTING CONDITION up to $25,000 for ages 0-69 and up to $15,000 Ages 80-89
- Cardiac Conditions or Stroke are limited to $25,000 for Ages 0-69 and $15,000 Ages 70-89
- Wellness Visit – covered up to $125 (restrictions apply)
- Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
- Return to Country Incidental Trip Coverage-Included
- EXAMPLES OF PER INCIDENT LIMITED BENEFITS (varies by plan)
- Hospital Room and Board Expenses $1,400 -$3,000 per day to a maximum of 30 days
- Physician’s Surgical Treatment $3,500 – $7,500 per Incident
- Physician’s Non-Surgical Visits/Urgent Care $55 – $130 per visit/1 per day /30 visits per Policy Period
- Outpatient Surgical Facility $1,000 – $1,400 per Incident
- Diagnostic X-rays and Lab Services $450 – $1,000 per Incident
- Ambulance Service Benefits $500 – $750 per Incident
- Please view plan details for a complete list of limits by plan
Eligibility
- For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries
- For ages 14 days to 89 years.
- Coverage for minimum 5 days to maximum up to 364 days
- Extendable for up to 364 days total
- This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date.
- Rates are based on age, policy maximum and deductible and coverage ends at age 90
