Safe Travels for Visitors to the USA vs. Inbound USA

As you are comparing travel medical insurance plans, trying to decide which is most suitable for your individual needs, you may come across two plans that appear to be very similar: Safe Travels for Visitors to the USA and Inbound USA. While the two do have many similarities, they also differ in several ways and it is important to understand the differences in order to make an informed decision and select the plan that best fits your travel medical insurance needs.

Safe Travels for Visitors to the USA and Inbound USA are both limited coverage plans, meaning that they both pay a fixed, pre-defined amount per incident for covered expenses. The key differences between the two plans are highlighted in the comparison chart below:

Safe Travels for Visitors to the USA
  • Administered by Trawick International
  • Coverage within USA

  • Up to 12 months of coverage
  • Up to $50,000 policy maximum for travelers ages 70-89
  • Covers up to $175,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • Policy maximum per incident


vs.
Inbound USA
  • Administered by Seven Corners
  • Unlimited USA coverage and only up to 30 days of international coverage
  • Up to 12 months of coverage
  • Up to $70,000 policy maximum for travelers over the age of 70
  • Covers up to $130,000 for acute onset of pre-existing conditions for travelers under the age of 70
  • Policy maximum per incident


COMMON EXCLUSIONS (What's not covered)
  • Preventative Care (immunizations, routine medical exams)
  • Accidental death and dismemberment (AD&D) coverage
  • Terrorism coverage
  • Trip interruption coverage
  • Pregnancy and maternity care

BEWARE: Risk of Limited Plans

Limited coverage insurance plans may be less expensive, but come with higher liability risks. Since limited travel insurance policies only cover a fixed, pre-defined amount for each benefit, you pay for any costs that exceed the pre-defined amount for any given medical treatment or service, and those medical costs could potentially run up to thousands of dollars.


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