4.6
Tower Hill Rating
Trawick International Safe Travels USA Comprehensive is a popular visitor insurance plan known for competitive pricing and solid pre-existing condition coverage. Trawick International has been providing travel insurance since 1996 and is underwritten by an AM Best A-rated carrier. This review tells you exactly what you're getting.
Quick Answer
Trawick Safe Travels USA Comprehensive offers $50,000–$1,000,000 in coverage, includes telehealth, covers acute onset pre-existing conditions, and is available to ages up to 89. It's the top pick for budget-conscious travelers and older visitors who need affordable, reliable coverage in the USA.
Plan Specifications
| Maximum Benefit | $50,000 / $100,000 / $500,000 / $1,000,000 |
| Deductible Options | $0 / $50 / $100 / $250 / $500 / $1,000 / $2,500 / $5,000 |
| Coinsurance (In-Network PPO) | 100% after deductible |
| Coinsurance (Out-of-Network) | 80% to $5,000, then 100% |
| Pre-Existing Conditions | Acute onset covered; Comprehensive adds broader coverage |
| Emergency Evacuation | Up to $500,000 |
| Repatriation | Up to $50,000 |
| Dental Emergency | Up to $500 |
| Telehealth | Included — unlimited virtual visits |
| Mental Health | Covered |
| Trip Interruption | Up to $5,000 |
| Coverage Period | 15 days to 364 days |
What Sets Trawick Apart
Trawick Safe Travels USA Comprehensive has two standout advantages over most competitor plans:
- More deductible options: With 8 deductible tiers from $0 to $5,000, you can fine-tune the premium vs. out-of-pocket trade-off more precisely than most plans allow.
- Telehealth included: Unlimited virtual doctor visits are included at no extra charge — reducing the need to visit urgent care for minor issues.
Pros & Cons
Pros
- ✓Most deductible flexibility of any major plan ($0–$5,000)
- ✓Telehealth included at no extra cost
- ✓Competitive pricing — often the most affordable option
- ✓Strong pre-existing condition coverage in Comprehensive tier
- ✓Direct billing available at many US hospitals
- ✓Available for ages up to 89
Cons
- –Some benefits are network-based (out-of-network pays less)
- –Multiple plan tiers can be confusing to compare
- –Claims processing can take longer on complex cases
Who Should Buy This Plan?
- Travelers who want the most affordable premium and are comfortable with a higher deductible
- Older visitors (70–89) who still need strong coverage at reasonable rates
- Travelers who want telehealth for minor consultations during their stay
- Anyone who wants direct billing at major US hospitals to avoid large upfront payments
Verdict
Trawick Safe Travels USA Comprehensive is the best option for budget-conscious travelers and for older visitors who need availability beyond age 79. The telehealth inclusion and wide deductible range are genuine differentiators. The main caveat is network dependency — using out-of-network providers will result in slightly lower reimbursement rates.