Safe Travels USA Cost Saver vs Safe Travels USA Cost Saver
Safe Travels USA Cost Saver brings a $250k medical limit to the table; Safe Travels USA Cost Saver caps out at $150k. That gap matters most if a visiting parent needs ICU or surgery — the kind of bills a US hospital writes in six figures. Read on for the line-by-line scorecard.
If coverage limit and lowest deductible is what you'd actually claim on, Safe Travels USA Cost Saver is the safer pick. Safe Travels USA Cost Saver only beats it on avg claim settlement, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | Safe Travels USA Cost Saver | Safe Travels USA Cost Saver | Winner |
|---|---|---|---|
| Coverage limit | $250k | $150k | Safe Travels USA Cost Saver |
| Lowest deductible | - | $100 | Safe Travels USA Cost Saver |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Large | |
| Typical premium band | ~$123 | ~$218 | Safe Travels USA Cost Saver |
| Avg claim settlement | 35 days | 24 days | Safe Travels USA Cost Saver |
| Age eligibility | 0-89 | 14-89 | Safe Travels USA Cost Saver |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $100k | $50k | Safe Travels USA Cost Saver |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Safe Travels USA Cost Saver and Safe Travels USA Cost Saver settle directly with US hospitals — no $50k credit card hold at admission.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both Trawick and Trawick keep a round-the-clock claims line, not just business hours.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
20% coinsurance and tiny PED sub-limit. Coverage caps at $250k.
Lower coverage limit ($150K) and higher coinsurance share than full Safe Travels USA.
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Treat this page as a decision aid, not insurance advice. We have no commercial relationship with Trawick or Trawick; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.