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Safe Travels for Visitors to the USA

Low cost fixed coverage, visitor’s insurance for USA

5 Days to 2 Years

How Safe Travels for Visitors to the USA 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 for Visitors to the USA 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 web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you complete your purchase, you will receive a virtual id card in your email.

What is covered and not covered?

Safe Travels for Visitors to the USA 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 (cardiac $25,000) per period of coverage for persons below the age of 70 years. For people 70 through 79 the maximum benefit is $35,000 (cardiac $15,000), 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.

Emergency dental treatment for sound natural teeth is only available if damanged due to an accident. Routine dental coverage is not available. Consider a low cost plan from CAREINGTON that provides excellent dental coverage.

Safe Travels for Visitors to the USA provides coverage in the USA including travel time.

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 $55 per visit, 1 per day, 30 visits maximumUp to $70 per visit, 1 per day, 30 visits maximumUp to $85 ($55 for 70+) per visit, 1 per day, 30 visits maximumUp to $115 per visit, 1 per day, 30 visits maximum
Prescription Drugs (Outpatient) Per Sickness/Injury Up to $100 per injury/illnessUp to $100 ($90 for 70+) per injury/illnessUp to $125 per injury/illnessUp to $150 ($90 for 70+) per injury/illnessUp to $200 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 $1,400 ($1,500 for 70+) per day, 30 day (15 day for 70+) maximum per injury/illnessUp to $1,750 per day, 30 day maximum per injury/illnessUp to $2,000 ($1,500 for 70+) per day, 30 day maximum per injury/illnessUp to $2,700 per day, 30 day maximum per injury/illness
Hospital Emergency Room
(all expenses incurred therein)
Up to $350 per injury/illness

Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $350 per injury/illness

Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $450 per injury/illness

Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $350 per injury/illness

Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $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, 8 day maximum per injury/illnessUp to $2,100 ($2,300 for 70+) per day, 8 day maximum per injury/illnessUp to $2,550 per day, 8 day maximum per injury/illnessUp to $2,900 ($2,300 for 70+) per day, 8 day maximum per injury/illnessUp to $3,850 per day, 10 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 $450; Up to $650 for PET scan or MRIUp to $475; Up to $875 for PET scan or MRIUp to $500 ($450 for 70+); Up to $1,050 ($650 for 70+) for PET scan or MRIUp to $675; Up to $1,300 for PET scan or MRI
Surgical Treatment (Inpatient)Up to $3,500 per injury/illnessUp to $3,500 per injury/illnessUp to $4,750 per injury/illnessUp to $6,000 ($3,500 for 70+) per injury/illnessUp to $7,500 per injury/illness
Ambulance ServicesUp to $500 per injury/illness

Must be medically necessary.
Up to $500 per injury/illness

Must be medically necessary.
Up to $500 per injury/illness

Must be medically necessary.
Up to $500 per injury/illness

Must be medically necessary.
Up to $750 per injury/illness

Must be medically necessary.
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 $55 per visit, 1 per day, 30 visits maximumUp to $55 per visit, 1 per day, 30 visits maximum
Prescription Drugs (Outpatient) Per Sickness/Injury Up to $100 per injury/illnessUp to $100 ($90 for 70+) 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 $1,400 ($1,500 for 70+) per day, 30 day (15 day for 70+) maximum per injury/illness
Hospital Emergency Room
(all expenses incurred therein)
Up to $350 per injury/illness

Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $350 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, 8 day maximum per injury/illnessUp to $2,100 ($2,300 for 70+) 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 $450; 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 $500 per injury/illness

Must be medically necessary.
Up to $500 per injury/illness

Must be medically necessary.

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: 04/02/2019

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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