Safe Travels Elite

International Travel Medical Insurance

5 Days to 364 Days

How Safe Travels Elite Health Insurance Works - Reviews

First

The deductible is met once per incident (injury or sickness), even for doctor visits.

Then

Plan pays fixed amounts according to the schedule of benefits and you pay the difference.

Overview

Safe Travels Elite is a fixed coverage plan for non-U.S. residents traveling to the U.S. You can obtain an instant quote and/or purchase online on this website. The insurance coverage can start as early as the next day or any future date you specify. After purchase, ID cards can be downloaded from MyAccount at any time; there is a link in the purchase confirmation email.

What is covered and not covered?

Safe Travels Elite will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions up to the policy maximum ($25,000 for cardiac or stroke) per period of coverage for persons below the age of 70 years. For people 70 through 79 the maximum benefit is $25,000 ($15,000 for cardiac or stroke), and people 80 and older up to $15,000 per period of coverage.

Prescription drugs are covered according to the schedule of benefits for covered medical expenses. More information.

Emergency dental treatment for sound natural teeth is only available if damaged due to an accident. Routine dental coverage is not available.

Safe Travels Elite provides coverage in the USA including travel time.

With Telemedicine, you can skip the urgent care or emergency room and receive a treatment plan over the phone.

How do I use the insurance?

Please look at the detailed description.

How much is covered?

You will have to pay a deductible (varies from $0 to $200, depending upon the age group) per incident (sickness or injury) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay. The deductible is applied only towards the eligible expenses.

After that, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay all the difference yourself beyond that, there is no out of pocket maximum.

Schedule of Benefits

Policy Maximums $25,000 Max
per Injury/Sickness
age 14 days to 69 years
$50,000 Max
per Injury/Sickness
age 14 days to 69 years
$75,000 Max
per Injury/Sickness
age 14 days to 69 years
$100,000 Max
per Injury/Sickness
age 14 days to 69 years
$175,000 Max
per Injury/Sickness
age 14 days to 69 years
Benefits
Physician's Visits/Urgent CareUp to $55 per visit, 1 per day, 30 visits maximumUp to $75 per visit, 1 per day, 30 visits maximumUp to $75 per visit, 1 per day, 30 visits maximumUp to $100 per visit, 1 per day, 30 visits maximumUp to $130 per visit, 1 per day, 30 visits maximum
Prescription Drugs (Outpatient) Per Sickness/Injury Up to $250 per injury/illnessUp to $350 per injury/illnessUp to $350 per injury/illnessUp to $350 per injury/illnessUp to $350 per injury/illness
Hospital Room & Board
including Laboratory Tests, X-Rays, Prescription Medical & Other Miscellaneous
Up to $1,400 per day, 30 day maximum per injury/illnessUp to $2,000 per day, 30 day maximum per injury/illnessUp to $2,000 per day, 30 day maximum per injury/illnessUp to $2,000 per day, 30 day maximum per injury/illnessUp to $3,000 per day, 30 day maximum per injury/illness
Hospital Emergency Room
(all expenses incurred therein)
$350 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission. $500 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission. $500 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission. $600 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission. $800 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission.
Hospital Intensive Care UnitUp to $2,100 per day, 10 day maximum per injury/illnessUp to $2,500 per day, 8 day maximum per injury/illnessUp to $2,500 per day, 8 day maximum per injury/illnessUp to $3,000 per day, 8 day maximum per injury/illnessUp to $4,500 per day, 8 day maximum per injury/illness
Diagnostic X-Rays & Lab Services
Scans, PET scan or MRI
Up to $450; Up to $650 for PET scan or MRIUp to $750; Up to $650 for PET scan or MRIUp to $750; Up to $875 for PET scan or MRIUp to $750; Up to $1,050 for PET scan or MRIUp to $1,000; Up to $1,300 for PET scan or MRI
Surgical Treatment (Inpatient)Up to $3,500 per injury/illnessUp to $5,000 per injury/illnessUp to $5,000 per injury/illnessUp to $6,000 per injury/illnessUp to $7,500 per injury/illness
Ambulance ServicesUp to $500 per injury/illnessUp to $650 per injury/illnessUp to $650 per injury/illnessUp to $650 per injury/illnessUp to $750 per injury/illness
TelemedicineIncludedIncludedIncludedIncludedIncluded
Policy Maximums $50,000
Annual Policy Max
Age 70 to 89 years
$100,000
Annual Policy Max
Age 70 to 89 years
Benefits
Physician's Visits/Urgent CareUp to $75 per visit, 1 per day, 30 visits maximumUp to $75 per visit, 1 per day, 30 visits maximum
Prescription Drugs (Outpatient) Per Sickness/Injury Up to $250 per injury/illnessUp to $250 per injury/illness
Hospital Room & Board
including Laboratory Tests, X-Rays, Prescription Medical & Other Miscellaneous
Up to $1,500 per day, 15 day maximum per injury/illnessUp to $1,500 per day, 15 day maximum per injury/illness
Hospital Emergency Room
(all expenses incurred therein)
$500 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission. $500 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission.
Hospital Intensive Care UnitUp to $2,300 per day, 8 day maximum per injury/illnessUp to $2,300 per day, 8 day maximum per injury/illness
Diagnostic X-Rays & Lab Services
Scans, PET scan or MRI
Up to $750; Up to $650 for PET scan or MRIUp to $750; Up to $650 for PET scan or MRI
Surgical Treatment (Inpatient)Up to $3,500 per injury/illnessUp to $3,500 per injury/illness
Ambulance ServicesUp to $650 per injury/illnessUp to $650 per injury/illness
TelemedicineIncludedIncluded

Example:

Lets assume that you have taken $50,000 policy maximum with $50 deductible.

  • Lets assume that the doctor charges $140/visit.

    Visit 1: Insurance company covers $55. You have an unsatisfied deductible of $50. The plan would pay $5 ($55 - $50).
    Visit 2: As you have satisfied your deductible, the plan pays $55.

    For all subsequent visits for the same injury or illness, up to the number of covered number of visits, it will continue to pay $55/visit.

  • You need to go to an emergency room visit which costs you $2,400. The insurance company covers $350. After $50 deductible (if not already satisfied), it will pay $300 and you will pay $2,100.

  • Let's assume that you were in an accident, then hospitalized for 3 days and need one surgery. The total bill is $40,000. The plan will pay $1,400/day for hospital room/board and $3,500 for surgery for a total of $1,400 x 3 + $3,500 = $7,700, assuming you have already satisfied your deductible of $50. You will be responsible for the balance of $32,300.

Benefits Updated: 10/15/2024

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