Overview
Safe Travels Advantage is a fixed coverage plan for non-U.S. residents and non-U.S. citizens 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 purchasing, 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 Advantage 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 checkups, 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 under 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. Consider a low cost plan from Careington that provides excellent dental coverage.
Safe Travels Advantage 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.
Wellness visits are covered up to $125. For wellness visit coverage, the plan must have at least 30 days of coverage and the visit must be within the first 21 days of coverage.
How do I use the insurance?
Please look at the detailed description.
How much is covered?
The plan pays 80% of the fixed amounts as per the schedule of benefits, and you will pay 20% of the fixed amounts until you reach an out-of-pocket maximum of $5,000. Then the plan will cover 100% of the fixed amounts up to the policy maximum. You will pay any charges that go above the fixed amounts.
Schedule of Benefits
Example:
Let’s assume that you have selected a $50,000 policy maximum.
Let’s assume that the doctor charges $140 per visit.
Visit 1: The fixed coverage is $75 per visit. The insurance company will cover 80% which is $60. You will pay 20% of $75 which is $15. You will also pay the amounts above the fixed coverage benefit, $140-$75=$65. In total, you will pay $65+$15=$80.
For all subsequent visits for the same injury or illness, up to the number of covered visits, it will continue to pay $60/visit until you reach an out of pocket maximum of $5,000. Then the plan will pay $75 per visit.
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 80% of $2,000/day for hospital room/board and 80% of $5,000 for surgery for a total of $1,600 x 3 + $4,000 = $8,800. You will pay 20% of $2,000/day for hospital room/board and 20% of $5,000 for surgery for a total of $400 x 3 + $1,000 = $2,200. You will also pay any costs above the fixed coverage $40,000 - $11,000 = $29,000. In total, you will pay $2,200 + $29,000 = $31,200.
Benefits Updated: 12/11/2025