Safe Travels Elite vs. Visitors Care

While exploring options for purchasing travel insurance for an overseas trip, you might have encountered two distinct travel medical insurance packages: Safe Travels Elite and Visitors Care. While these plans offer similar coverage, the choice between them should be based on your specific travel requirements.

Safe Travels Elite insurance and Visitors Care insurance both offer travel medical coverage for individuals traveling to the USA. Both of these travel insurance plans provide limited coverage, which means that they offer a predetermined, fixed amount for covered expenses. To help you make an informed decision and select the travel medical insurance policy that suits your needs best, please refer to the comparison chart below, which outlines the differences between Safe Travels Elite and Visitors Care.

Safe Travels Elite
  • Administered by Trawick International
  • Up to $100,000 policy maximum available for those under the age of 90
  • Up to 364 days of coverage
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Policy maximum and deductible are per policy period
  • Covers acute onset of pre-existing conditions for travelers ages 80 and up
  • Up to $100,000 for an Emergency Medical Evacuation
  • Coverage for U.S as well as internationally, including U.S.


vs.
Visitors Care
  • Administered by IMG
  • Up to $100,000 policy maximum available for those under the age of 80
  • Up to 2 years of coverage
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Policy maximum and deductible are per policy period
  • Covers acute onset of pre-existing conditions for travelers under age 70 up to policy maximum
  • Up to $25,000 for an Emergency Medical Evacuation


COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Injuries incurred from certain extreme sports and hazardous activities
  • Baggage loss coverage
  • Trip interruption
BEWARE: Risk of Limited Plans

While limited coverage insurance plans may offer lower premiums, they also carry increased liability risks. This is because these policies only provide a set, predetermined amount for each benefit. In the event of a medical treatment or service that surpasses this predetermined amount, you would be responsible for covering the additional costs, which could potentially escalate to thousands of dollars.

Example: If you have a limited coverage policy with a limit of $400 for ambulance services, which costs about $2,000, then you have to pay the difference – a liability of $1,600.

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