Ask Our Specialists

Thank you for your interest in purchasing insurance for your family. 1. Safe Travels USA Cost Saver will cover anywhere outside the home country and everywhere in the U.S. 2. No special benefits for infants. 3. You can visit any provider of your choice. However, if you visit a provider within the PPO network, they are more likely to recognize the insurance, bill the insurance company directly and charge you the network negotiated fees. 4. There is no concept of copay in short term plans. After you pay the deductible (which can be $0 as well), the insurance will pay 80% for the first $5,000 in eligible expenses, you will pay 20%. After $5,000, it will pay 100% up to the policy maximum. You can purchase it online at /safe-travels-usa-cost-saver-insurance/ If you have any other questions, please feel free to contact us at any time.

Thanks for the response, That is a brilliant news for me. :-) I have few more queries If i visit a non-network provider does that mean i have to pay the entire consultation fee from hand and then claim it from the insurance company? Does "Patriot America Plus" also cover entire United states or the policy is applicable to only specific state? Does "A.M. Best ratings" represent the financial health of the Insurance company or the way they handle medical claims?

It is at the discretion of the physicians’ office whether or not they would like to bill directly as there is no PPO network, so there is a possibility in this case that you may have to pay out of pocket and file a claim for reimbursement. The Patriot America Plus plan will cover the insured person anywhere outside of the country of citizenship to include all 50 US states. A.M. Best rating is the industry’s standard measure of the insurers financial performance.

It has been mentioned that "Safe Travels USA Cost Saver" is a secondary to any insurance applicable and the Primary Insurance is "Safe Travels USA". My final query is, could i simply buy "Safe Travels USA Cost Saver" without buying another insurance and be fully covered (up to Policy Max) during my stay in the USA?

That’s correct. Safe Travel USA cost saver is secondary and Safe Travel USA is primary insurance. Safe travel USA cost saver will be secondary to any other insurance your visitor will have in USA. You don’t need to purchase other insurance. Primary and secondary insurance will be applicable mostly in case of car accident or if someone falls at some tourist place etc. Please let us know if you have any further questions.

Thanks a lot for answering all the queries, i really appreciate it. I have finalized "Safe Travels USA Cost Saver".

If you need any help feel free to contact us. Have a great day!