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Safe Travels Complete - Visitor Medical Insurance

Quotes & Purchase

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: .

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is an overview of the benefits included in this plan and is provided to you as an aid to help you familiarize yourself with the benefits. This information is a high-level overview of the given plans coverages. Please use this information as a guide only and do not make any decisions solely based on this information.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Safe Travels Complete
Comprehensive
After deductible, plan pays 80% (60% outside the network) to policy maximum.

Medical - Outpatient

To policy maximum.
Excluded
Deductible waived, $25 copay in-network, $50 copay out-of-network.
$20,000 Maximum, $15,000 Pre-Existing Conditions Limit. $7,500 Pre-Existing Conditions Limit for illness visit that does not result in hospital admission.
$500 maximum, 90 day supply per prescription.
To policy maximum
To policy maximum. $15,000 for Pre-Existing Conditions.
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
-

Medical - Inpatient

$20,000, average semi-private room including nursing services. $15,000 Pre-Existing Conditions Limit.
$20,000. $15,000 Pre-Existing Conditions Limit.
To policy maximum. $15,000 for Pre-Existing Conditions.
To policy maximum
20% of primary surgeon charge. No standby availability coverage. $5,000 Pre-Existing Conditions Limit.
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

180 days
$25,000 for ages up to 69; $15,000 for ages 70 and over
Standard basic hospital bed and/or standard basic wheelchair
-
-
To policy maximum. Must be medically necessary.
Emergency medical treatment of pregnancy to $1,000
-
$50 per day, maximum of 10 days Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
Stable pre-existing conditions covered up to the options of $25,000, $30,000, $40,000, or $50,000 for persons under 70. $20,000 for ages 70-89. Deductible options are $1,500, $2,000, $2,500, $5,000, or $10,000.
-
Included

Dental

-
$250

Travel

-
-
-
-
$20,000
$15,000
$20,000
$10,000
-
-
-
Included

Life

$20,000
$20,000

Other

-
-
-
-
-
-

Plan Features

Before effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date. No refund for the first 90 days.
90 days minimum up to 364 days maximum
$0
$0
-
Online
Credit CardCredit CardCredit CardCredit Card
Per Policy Period
$250 Up to 89
$500 Up to 89
$1,000 Up to 89
$2,500 Up to 89
$5,000 Up to 89
Lifetime Maximum
$60,000 70-89
$250,000 Up to 69
$500,000 Up to 69
$1,000,000 Up to 69
Surego Administrative Services
Zurich Insurance Europe AG Belgian branch
NR "Not Rated"

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Quotes & Purchase
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

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