Safe Travels Advantage is an entry-level fixed coverage visitor insurance plan designed for cost-conscious travelers to destinations outside their home country when travel includes the USA. It provides essential medical protection at affordable pricing—ideal for visitors who want transparent benefits and predictable coverage without premium costs.
This plan features a straightforward 80/20 coinsurance structure with fixed benefit amounts for each covered service. You'll know exactly what the plan pays and what you're responsible for, eliminating surprise billing. Coverage is available for ages 14 days to 89 years with policy maximums ranging from $25,000 to $150,000, renewable up to 2 years.
Safe Travels Advantage is best suited for budget-conscious buyers who prioritize affordability while maintaining essential emergency medical protection.
The plan covers acute onset of pre-existing conditions (up to $25,000 for ages under 70; $15,000 for ages 70-89), hospitalization, physician visits, and prescription drugs.
Plan Highlights
- Starting premiums from just $19/month for younger travelers
- Four coverage tiers: $25,000, $50,000, $100,000, and $150,000 policy maximums
- Transparent 80/20 coinsurance: plan pays 80%, you pay 20% of covered expenses
- Fixed benefit schedule with predetermined payment amounts for each service
- Coverage for acute onset of pre-existing conditions
- No PPO network restrictions—visit any provider
- Renewable coverage up to 2 years for extended visits
How Fixed Benefits Work
Safe Travels Advantage pays a fixed amount for each covered medical service according to the schedule of benefits. For example, if you're hospitalized for appendicitis with total charges exceeding $20,000, the plan covers eligible hospital and surgical costs up to your policy maximum, subject to the coinsurance structure. You're responsible for any non-covered services, expenses exceeding the policy maximum, and your 20% coinsurance share (up to your out-of-pocket maximum).
Ready to learn more or purchase? Click the links below to find out more about Safe Travels Advantage and get instant quotes!