Safe Travels Elite Travel Insurance Review – Is it any good?

This article was last updated and fact checked on October 11, 2024 by Mani Karthik.

If you’re gearing up for a trip to the U.S. from India, you’ve probably come across Safe Travels Elite Travel Insurance as an option to protect yourself during your travels. But is it really worth your money?

Let’s break it down, so you can make a well-informed decision before hitting that ‘Buy Now’ button.

What Is Safe Travels Elite Travel Insurance?

Safe Travels Elite is a travel insurance plan offered by Trawick International. It’s tailored for non-U.S. citizens and residents who are traveling to the U.S., which makes it a popular choice for Indians visiting family, vacationing, or traveling for business.

The plan covers essential medical expenses, trip interruptions, and even emergency evacuations while you’re abroad. But let’s look a little deeper into what you’re actually getting.

Key Features of Safe Travels Elite

1. Medical Coverage
   Safe Travels Elite offers up to $500,000 in medical coverage, depending on the plan you choose. This is pretty solid, considering the exorbitant healthcare costs in the U.S.
   
   You can customize the coverage amount, ranging from $50,000 to $500,000, which allows for flexibility based on your specific needs.
   
   However, note that this plan doesn’t cover pre-existing conditions, unless you meet specific criteria. This can be a dealbreaker if you’re prone to recurring health issues.
2. Emergency Medical Evacuation
   One of the standout features is the $50,000 coverage for emergency medical evacuation.
   
   So, if you fall ill or are injured and need to be airlifted or transferred to a medical facility, you’re covered. This can be a lifesaver—literally—because medical evacuations can cost tens of thousands of dollars.
3. Trip Interruption Coverage
   The plan includes trip interruption benefits up to $5,000. This kicks in if you need to cut your trip short due to an emergency like the illness or death of a family member.
   
   You won’t get a refund for your entire trip, but this could cover some of your expenses.
4. Baggage Loss/Delay
   Safe Travels Elite also offers baggage loss and delay coverage, which is always handy. If your luggage gets lost, they’ll reimburse you for up to $1,000, and for delays, you can claim up to $300.
5. COVID-19 Coverage
   Good news! Safe Travels Elite includes coverage for COVID-19-related medical expenses—as long as you contract the virus after your coverage starts.
   
   Given the unpredictable nature of travel during the pandemic, this is a crucial benefit.

Tip: Always check the fine print about COVID-19 coverage, as terms can change based on government regulations and insurance provider policies.

Pros of Safe Travels Elite

1. Customizable Coverage
   You can choose the amount of medical coverage that suits your needs. This is especially useful if you’re looking for a plan that fits your budget.
2. Emergency Evacuation Coverage
   The emergency medical evacuation coverage is a great add-on that not all travel insurance plans offer at this level.
3. Affordable Premiums
   Compared to other travel insurance options, Safe Travels Elite is relatively affordable, especially if you opt for lower coverage amounts.

Tip: You can often save a little more by purchasing the plan well in advance.

Cons of Safe Travels Elite

1. No Pre-Existing Condition Coverage
   If you have a pre-existing condition, you’re out of luck unless you meet specific criteria. Other plans like Atlas America offer pre-existing condition coverage, so you may want to shop around if this is a dealbreaker.
2. Lower Baggage Coverage
   The baggage coverage, while helpful, is somewhat limited. If you’re traveling with expensive items, you might find the $1,000 maximum payout a bit low.
3. Not the Best for Long-Term Travelers
   If you’re planning an extended stay, this plan may not be ideal, as it’s designed more for short-term travelers (up to 364 days).

Is Safe Travels Elite Travel Insurance Worth It?

So, is Safe Travels Elite any good? Yes—if you’re looking for a reliable, affordable option with solid medical coverage and a good range of benefits for short-term travel to the U.S. It’s especially great if you’re relatively healthy and don’t need coverage for pre-existing conditions.

If pre-existing conditions are a concern or you’re staying longer than a few months, you might want to explore other options like Patriot America Plus or Atlas America.

Tip: Always compare a few plans before purchasing. What works for one traveler might not be the best fit for another, depending on your travel needs and medical history.

Final Thoughts

Safe Travels Elite Travel Insurance offers decent protection for visitors to the U.S., particularly for short trips and healthy individuals. With its COVID-19 coverage, emergency medical evacuation, and affordable premiums, it ticks a lot of the right boxes for most travelers.

However, if you’re dealing with pre-existing conditions or need higher baggage coverage, you might want to consider alternative plans.

Tip: Always read the fine print, especially regarding coverage exclusions and claim limits, before making your final decision.

Now that you’ve got the lowdown on Safe Travels Elite, you’re one step closer to traveling with peace of mind! Safe travels!