Safe Travels USA Cost Saver vs Safe Travels Elite
Safe Travels USA Cost Saver runs roughly $123 for a typical trip — noticeably less than Safe Travels Elite at around $200. The question is whether the savings come at the cost of coverage you'll actually use. The table below calls the winner on each point.
Net-net: Safe Travels Elite wins this matchup, mostly because of coverage limit and hospital network size. Safe Travels USA Cost Saver isn't out — it leads on typical premium band — but the overall scorecard goes 7–2.
Side-by-side: who wins what
| Feature | Safe Travels USA Cost Saver | Safe Travels Elite | Winner |
|---|---|---|---|
| Coverage limit | $250k | $1M | Safe Travels Elite |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Very large | Safe Travels Elite |
| Typical premium band | ~$123 | ~$200 | Safe Travels USA Cost Saver |
| Avg claim settlement | 35 days | 18 days | Safe Travels Elite |
| Age eligibility | 0-89 | 0-89 | |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $100k | $1M | Safe Travels Elite |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Safe Travels USA Cost Saver and Safe Travels Elite settle directly with US hospitals — no $50k credit card hold at admission.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both Trawick and Trawick keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
20% coinsurance and tiny PED sub-limit. Coverage caps at $250k.
Costs more than Safe Travels USA Comprehensive — only choose if PED cover matters.
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This comparison reflects publicly available Trawick and Trawick plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Safe Travels USA Cost Saver and Safe Travels Elite certificates are the source of truth.