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Safe Travels International / Cost Saver Comprehensive plan from 5 days to 1 year and Renewal up to 2 years

Safe Travel International Cost saver

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Safe Travel International

Get Quote Apply Online

Safe Travels International offers international health insurance plans for Non-US citizens traveling outside their home country, but not visiting the United States. Rates are based on age and plan options. This plan is appropriate for international student health insurance. Coverage can be purchased online for a minimum of five (5) days up to a maximum of one year. If a minimum of one month is purchased, the policy term may be renewed with uninterrupted coverage for up to 24 consecutive months. We accept Visa and MasterCard. Policy documents and ID cards are issued online immediately upon payment of the premium. Coverage can be applied for online or download a brochure to mail or fax with payment.

About The Safe Travels International / Cost Saver Plans

There are two main types of travel medical plans; primary and\ secondary/excess. Our Safe Travels Medical Insurance offers primary coverage, which will take care of\ your covered expenses, regardless of other insurance, up to an amount you choose with flexible deductible options and add on coverage for specific needs. Safe Travels Cost Saver is a secondary/excess plan which provides all the options available under Safe Travels Medical Insurance but coordinates and covers medical expenses your primary health plan doesn't, such as deductibles, co-insurance and medical evacuation. Cost Saver plan rates are approximately 15% cheaper on average than our Safe Travels Medical Insurance. If you have no other coverage the Cost Saver plan becomes primary coverage. No matter which plan you choose, travel medical insurance is a must when planning a trip out of your home country.

Medical Maximum: $50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible Options: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000
Co-insurance: 100% of all Covered Expenses

After you pay your deductible this plan will pay 100% of Covered Expenses. This plan covers Accident and Sickness Medical Expenses after the Insured satisfies any Deductible, without regard to any other Health Care Plan Benefits or to any Coordination of Benefits provision in any other Health Care Plan payable.

Medical Expense Benefits (subject to Policy Maximum, Deductible and Co-Insurance
Hospital Room and
Board Charges:
Average semi private room rate
Ancillary Hospital Expenses: Services and supplies including operating room, laboratory tests, anesthesia and medicines when Hospital Confined. This does not include personal services of a non-medical nature.
Medical Emergency Care (room and supplies) Expenses: Incurred within 72 hours of an Accident or Sickness and including the attending Doctor's charges, X-rays, laboratory procedures, use of the emergency room and supplies.
ICU Room and Board Charges: Three times the average semi private room rate
Medical Services and Supplies: Expenses for blood and blood transfusions; oxygen and its administration.
Outpatient Medical: Usual customary charge to the selected Medical Maximum
Emergency Medical Treatment of Pregnancy: $2,500
Mental or Nervous Disorders: $2,500
Physiotherapy/Physical Medicine/Chiropractic: $50 per visit per day; up to 10 visits per Policy Period
Dental Treatment (Injury and emergency alleviation of pain): $500

Dental Expenses for Injury or pain up to $250 including dental x-rays for the repair or treatment of each injured tooth that is whole, sound and a natural tooth at the time of the Accident and emergency alleviation of dental pain.

Doctor Visits, X-rays and Prescriptions, Ambulance:

Usual customary charge to the selected Medical Maximum

Doctor Non-Surgical Treatment/Examination Expenses including the Doctor's initial visit, each Medically Necessary follow- up visit and consultation visits when referred by the attending Doctor.

X-ray Expenses (including reading charges).

Prescription Drug Expenses including dressings, drugs and medicines prescribed by a Doctor

Ambulance Expenses for transportation from the emergency site to the Hospital.

Unexpected recurrence of a pre-existing condition: The first $20,000 of Covered Expenses up to age 65 or the first $10,000 for over age 65

The pre-existing condition exclusion is waived for the first $20,000 of Covered Expenses, up to age 65 or the first $10,000 over age 65, resulting from a sudden, unexpected recurrence of a Pre-existing Condition while traveling outside your Home Country. This benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatments existent or necessary prior to the Effective Date of coverage.

Other covered medical expense

Doctor's Surgical Expenses.
Assistant Surgeon Expenses when Medically Necessary.
Anesthesiologist Expenses for pre-operative screening and administration of anesthesia during a surgical procedure whether on an inpatient or outpatient basis.

Additional Benefits (not subject to Policy Maximum, Deductible or Co-Insurance)
Accidental Death & Dismemberment Principal Sum: Insured $25,000
Spouse/Domestic Partner/Traveling Companion $25,000
Dependent Child $10,000

If Injury results, within 365 days from date of Accident in any one of the losses shown below, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same Accident.

Covered Loss Benefit Amount
Life 100% of the Principal Sum
Quadriplegia 100% of the Principal Sum
Two or more Members 100% of the Principal Sum
Hemiplegia or Paraplegia. 75% of the Principal Sum
One Member 50% of the Principal Sum
Uniplegia 25% of the Principal Sum
Thumb & Index Finger of the Same Hand 25% of the Principal Sum

"Quadriplegia" means total Paralysis of both upper and lower limbs. "Hemiplegia" means total Paralysis of the upper and lower limbs on one side of the body. "Uniplegia" means total Paralysis of one lower limb or one upper limb. "Paraplegia" means total Paralysis of  both lower limbs or both upper limbs. "Paralysis" means total loss of use. A Doctor must determine the loss of use to be complete and not reversible at the time the claim is submitted.  "Member" means Loss of Hand or Foot, Loss of Sight, Loss of Speech, and Loss of Hearing.  "Loss of Hand or Foot" means complete Severance through or above the wrist or ankle joint.  "Loss of Sight" means the total, permanent Loss of Sight of one eye. "Loss of Speech" means total and permanent loss of audible communication that is irrecoverable by natural, surgical or artificial means. "Loss of Hearing" means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. "Loss of a Thumb and Index Finger of the Same Hand" or "Loss of Four Fingers of the Same Hand" means complete Severance through or above the metacarpophalangeal joints of the same hand (the joints between the fingers and the hand). "Severance" means the complete separation and dismemberment of the part from the body.The amount payable for a Covered Loss will be reduced if you are age 70 or older on the date of the Accident causing the loss. The amount payable for your loss is a percentage of the amount that would otherwise be payable and based on age.  Age 70-74 - 65%,  Age 75-79 - 45%,  Age 80-84 - 30%,  Age 85 and older  15%.

Coma Benefit: $10,000 per Policy Period

If you become Comatose within 31 days of a Covered Accident or Sickness and remain in a Coma for at least 31 days.  A person is deemed "Comatose" or in a "Coma" if he or she is in a profound stupor or state of complete and total unconsciousness, as the result of a Covered Accident or Sickness.

Felonious Assault and Violent Crime: 100% of the Principal Sum applicable to the Covered Loss to a maximum of $50,000

We will pay benefits subject to the following conditions, when you suffer a Covered Loss resulting directly and independently of all other causes from a Covered Accident that occurs during a violent crime or felonious assault
as described below. A police report detailing the felonious assault or violent crime must be provided before this benefit is payable. You must notify the police within 24 hours of the assault.  The Covered Accident must occur during any of the following :

  1. actual or attempted robbery or holdup;
  2. actual or attempted kidnapping;
  3. any other type of intentional assault that is a crime classified as a felony by the governing statute or common law in the location where the assault occurred.  Benefits will not be paid for treatment of any Injury sustained or Covered Loss incurred during any:
  4. violent crime or felonious assault committed by you;
  5. felonious assault or violent crime committed upon you by a Family Member, Fellow Employee, or Member of the Same Household.
Adaptive Home and Vehicle: $5,000 Maximum

If you have an Injury which results in a Loss payable under the Accidental Death and Dismemberment Benefit, We will pay an additional benefit equal to the least of the actual cost of the alterations or $5,000 for the one-time cost of alterations to your principal residence; and/or private automobile to make the residence accessible and/or the private automobile
drivable or rideable. The costs must be incurred within one year from the date of accident and alterations are made by a person or persons with experience in such alterations.

Seatbelt Benefit: 10% of Principal Sum up to a maximum benefit of $50,000

If you die or are dismembered directly and independently from Injuries sustained while wearing a seatbelt and operating or riding as a passenger in an Automobile. An additional benefit is provided if you were also positioned in a seat protected by a properly-functioning and properly deployed Supplemental Restraint System (Airbag).  Verification of proper use of the seatbelt at the time of the Covered Accident and that the Supplemental Restraint System properly inflated upon impact must be a part of an official police report of the Covered Accident or be certified, in writing, by the
investigating officer(s) and submitted with your claim to Us. If such certification or police report is not available or it is unclear whether you were wearing a seatbelt or positioned in a seat protected by a properly functioning and properly deployed Supplemental Restraint System, We will pay a default benefit of $2,000 to you if living, if not, then to your beneficiary. In the case of a child, "seatbelt" means a child restraint, as required by state law and being used as recommended by its manufacturer.

Exposure and Disappearance Principal Sum

Covers exposure to the elements after the forced landing, stranding, sinking, or wrecking of a vehicle in which you were traveling. You are presumed dead if you are in a vehicle that disappears, sinks or is stranded or wrecked and your body is not found within six months of the Covered Accident.

Airbag Benefit: 10% up to $50,000
Hijacking and Air or Water Piracy:
Covers injury during the:
  1. Hijacking of an Aircraft;
  2. Air or water piracy; or
  3. Unlawful seizure or attempted seizure of an aircraft or watercraft.
Emergency Medical Evacuation: 100% up to $2,000,000

If you are traveling outside of your Home Country and suffer an Injury or Sickness during the course of the Trip which requires Emergency Medical Evacuation from the place where you suffer an Injury or Sickness to the nearest Hospital or other medical facility where appropriate medical treatment can be obtained; or transportation to your Home Country to obtain further medical treatment in a Hospital or other medical facility or to recover after suffering an Injury or Sickness. An Emergency Medical Evacuation includes Medically Necessary medical treatment, medical services and medical supplies necessarily received in connection with such transportation.  If after hospitalization or treatment for a covered Injury or Sickness, you are unable to continue your journey, Our designated assistance provider, in conjunction with the local attending Doctor and/or your habitual Doctor, will organize your  return to your Home Country. If the gravity of the situation so dictates, Our designated assistance provider will ensure that appropriate medical care is provided to you during the return journey. If Our designated assistance provider and the local attending medical practitioner consider you stable enough to be medically repatriated, without endangering your health, and you refuse repatriation, We will continue to pay medical expense benefits incurred after the date repatriation was recommended only up to the amount that would have been payable for the medical repatriation, subject to policy maximums and limitations.  Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance.   Benefits will not be payable unless

  1. the Doctor ordering the Emergency Medical Evacuation certifies the severity of your Injury or Sickness requires an Emergency Medical Evacuation;
  2. all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible;
  3. the charges incurred are Medically Necessary and do not exceed the usual level of charges for similar transportation, treatment, services or supplies in the locality where the expense is incurred; and
  4. do not include charges that would not have been made if there were no insurance.
Political Evacuation: $25,000 Maximum per policy period

Covers an extrication from the Host Country due to an Occurrence which could result in grave physical harm or death. You are covered if an Occurrence takes place while coverage is in effect; and while you are traveling outside of your Home Country or country of residence. Benefits will be paid for:

  1. your Transportation and Related Costs to the Nearest Place of Safety, necessary to ensure your safety and well- being as determined by the Designated Security Consultant.
  2. your Transportation and Related Costs within 14 days of the Political Evacuation to either to the country in which you are traveling while covered by the Policy; or your Home Country; or
  3. consulting services by a Designated Security Consultant for seeking information on a Missing Person or kidnapping cases, if you are kidnapped or are reported as a Missing Person to local or international authorities.  Benefits will not be payable unless We (or Our authorized assistance provider) authorize in writing, or by an authorized electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider.   Our assistance provider is not responsible for the availability of Transport services.  Where a Political Evacuation becomes impractical due to hostile or dangerous conditions, a Designated Security Consultant will endeavor to maintain contact with you until a Political Evacuation occurs.  

Political Evacuation Benefits are payable only once for any one Occurrence. If, after a Political Evacuation is completed, it becomes evident that you were an active participant in the events that led to the Occurrence, We have the right to recover all Transportation and Related costs from you.  We will not pay Political Evacuation Expense Benefits for expenses and fees:  

  1. payable under any other provision of the Policy.
  2. that are recoverable through your employer.
  3. arising from or attributable to an actual fraudulent, dishonest or criminal act committed or attempted by you, acting alone or in collusion with other persons.
  4. arising from or attributable to an alleged:
  1. violation of the laws of country in which you are traveling while covered under the Policy; or
  2. violation of the laws of your Home County or country of residence.
  1. due to your failure to maintain and possess duly authorized and issued required travel documents and visas.
  2. for repatriation of remains expenses.
  3. for common or endemic or epidemic diseases or global pandemic disease as defined by the World Health Organization.
  4. for medical services.
  5. for monies payable in the form of a ransom, if a Missing Person case evolves into a kidnapping.
  6. arising from or attributable, in whole or in part, to:
  1. a debt, insolvency, commercial failure, the repossession of any property by any title holder or lien holder or any other financial cause;
  2. non-compliance by you with regard to any obligation specified in a contract or license.  11.  due to military or political issues if your Security Evacuation request is made more than 30 days after the Appropriate Authority (ies) Advisory was issued.
Repatriation of Remains: 100% up to $1,000,000

We will pay 100% of Covered Expenses Repatriation Benefits for preparation and return of your body to your Home Country if you die due to an Injury or Sickness.  Benefits will not be payable unless We authorize in writing or by an authorized electronic or telephonic means all expenses in advance.  Covered expenses include:

  1. expenses for embalming or cremation;
  2. the least costly coffin or receptacle adequate for transporting the remains;
  3. transporting the remains by the most direct and least costly conveyance and route possible.
Emergency Reunion: $15,000 per Policy Period

Covers the cost of one economy airfare ticket and other local travel related expenses; or the reasonable expenses incurred for lodging and meals of your Immediate Family Member for a period of 10 days to accompany you to your Home Country or Hospital where you are confined if:  

  1. the Emergency Medical Evacuation Benefit is payable under the Policy; and
  2. you are alone outside of your Home Country; and
  3. the place of confinement is more than 100 miles from your Home Country; and
  4. expenses were authorized in advance by the Company
Return of Minor Child(ren) or Travel Companion: $5,000

If the Insured, age 18 or older, is the only person traveling with minor Dependent children who are under the age of  21 or a Travel Companion, suffers an Injury or Sickness and must be confined in a Hospital for at least 48 consecutive hours or is medically evacuated to another location, We will reimburse the cost of a one way economy airfare ticket and/or
ground transportation ticket to their Home Country, not to exceed $5,000. All transportation arrangements must be made by the most direct and economical route and conveyance possible and may not exceed the usual level of charges for similar transportation in the locality where the expense is incurred. Benefits will not be paid unless all expenses are approved in advance by Us, and services are rendered by the Company's assistance provider.

Hospital Confinement: $150 per day 15 day Maximum
Pays a benefit when you are Hospital Confined, and all of the following conditions are met:
  1. The Hospital stay is the direct result, from no other causes, of Injuries sustained in a Covered Accident, or Sickness that occurs while the Policy is in effect.
  2. The Hospital stay begins within 3 days of a Covered Accident or Sickness and lasts for at least 3 days.  We will pay this benefit retroactive to the first day of the Hospital stay. Benefit payments will end on the first of the following
  1. the date the Hospital stay ends; or
  2. the date you die;
  3. 15th day of hospitalization; or
  4. the date the coverage terminates.
Lost Baggage: $1000

Coverage is provided for the replacement costs of clothes and personal hygiene items, up to $75 per article up to a $300 maximum, if your luggage is checked onto a common carrier, and is then lost, stolen or damaged beyond use. Replacement costs are calculated on the basis of the depreciated standard and its average usable period. You must file a formal claim with the transportation provider and provide Us with copies of all claim forms and proof that the transportation provider has paid you its normal reimbursement for the lost, stolen or damaged luggage.

Trip Interruption: $7,500 maximum

We will reimburse the cost of one way economy air and/or ground transportation ticket if your Trip is interrupted as the result of

  1. the death of an Immediate Family Member
  2. your unforeseen Injury or Sickness or, the Injury or Sickness of a Traveling Companion or Immediate Family Member. The Injury or Sickness must be so disabling as to reasonably cause a Trip to be interrupted
  3. substantial destruction of your principal residence by fire or weather related activity
  4. a Medically Necessary covered Emergency Medical Evacuation to return you to your Home Country or to the area from which you were initially evacuated for continued treatment, recuperation and recovery.
Benefit Period: 1 year from the date of the Covered Accident or Sickness
Up to $1,000,000 is available for purchase.
Accidental Death and Dismemberment Benefit Upgrade:
Option 1: Increase to $50,000 maximum benefit
Additional $0.25 per person per day
Option 2: Increase to $100,000 maximum benefit
Additional $0.50 per person per day
Option 3: Increase to $250,000 maximum benefit
Additional $1.75 per person per day
Option 4: Increase to $500,000 maximum benefit
Additional $4.00 per person per day
Option 5: Increase to $1,000,000 maximum benefit
Additional $8.00 per person per day

Persons up to age 69 are eligible for all Options
Persons age 70-79 are eligible for Option 1 and 2
Persons age 80 and older are eligible for Option 1 only

Home Country/Follow Me Home Coverage

Home Country Coverage/Follow Me Home You can cover the following by increasing the per person per day rate by 1.10 (10%): covers you upon an incidental trip to your Home Country during your period of coverage (60 days per 12 months of purchased coverage or pro rata thereof. Example: approximately 5 days per month of purchased coverage). Maximum benefit is reduced to $50,000 for any illness or injury occurring while on an incidental trip to your Home Country. This also pays Covered Expenses incurred in your Home Country up to $5,000 for conditions first diagnosed outside your Home Country.  This Benefit does not apply when an Emergency Evacuation has occurred.

Athletic Sports Coverage

You can cover the following by increasing the per person per day rate by 1.20 (20%): Coverage for injuries incurred during  amateur athletic activities which are non-contact and engaged in solely for entertainment, fitness, leisure or recreation purposes.   Activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned or which involves regular or scheduled practices, games or competitions.  Coverage may be purchased for participation in amateur, club, intramural, interscholastic or intercollegiate tennis, swimming, cross country, track, volleyball and golf. Sports not listed here must be rated and approved in writing by the Company prior to policy issue.  All professional and semi-professional sports are excluded.

Extreme Sports/Hazardous Activities (not available to Insured's over the age of 65)

The following need the Extreme Sports/Hazardous Activity Coverage, which can be purchased by increasing the per person per day rate by 1.25 (25%).  Aviation (except when traveling as a passenger in a commercial aircraft), Bobsleigh, BMX, Bungee Jumping, Canopying, Canyoning, Caving, High Diving, Hang Gliding,  Heli-skiing, Hot Air Ballooning, Inline Skating, Jet Skiing, Kayaking, Motorcycling Mountain Biking, Paragliding, Parasailing, Parascending, Scuba Diving, Snow Skiing, Snowboarding, Snowmobiling, Spelunking, Surfing, Trekking up to 3500 meters above ground and with proper ropes or guides (not exceeding Class V difficulty on the Yosemite Decimal System) Water Skiing, Wind Surfing, Whitewater Rafting (not exceeding Class V), Zip Lining, Zorbing. The following activities are always excluded under the Policy: Abseiling, BASE Jumping, Extreme Sports, Luge, Motocross, Moto-X, Mountaineering, Mountain Climbing (which exceeds Class V difficulty on the Yosemite Decimal System), Piloting any Aircraft, Racing of any kind, Rock Climbing, Rodeo Activities, Rappelling, Ski Jumping, Skydiving, Whitewater Rafting (exceeding Class V).

War Risk

War Risk coverage can be purchased for the following countries: Algeria, Burundi, Central African Republic, Colombia, East Timor, Ethiopia, Guinea, Haiti, India (Jammu & Kashmir Only), Iran, Lebanon, Liberia, Pakistan, Saudi Arabia, Sri Lanka, Yemen and Zimbabwe. Afghanistan, Chad, Chechnya, Democratic Republic of Congo, Iraq, Israel, Ivory Coast, Nigeria, Somalia and Sudan Call Company for rates.

DEFINITIONS (a complete list is on the certificate)

"Accident" means a sudden, unexpected and unintended event. "Age" refers to the age of the Covered Person on his or her most recent birthday.  
"Covered Expenses" means expenses actually incurred by or on behalf of a Covered Person for treatment, services and supplies covered by the Policy. Coverage under the Policy must remain continuously in force from the date of the Accident or Sickness until the date treatment, services or supplies are received for them to be a Covered Expense. A Covered Expense is deemed to be incurred on the date such treatment, service or supply, that gave rise to the expense or the charge, was rendered or obtained.  "Deductible" means the dollar amount of Covered Expenses that must be incurred as an out of pocket expense by each person on a per Policy Term basis before Medical Expense Benefits and/or other Additional Benefits paid on an expense incurred basis are payable under the Policy. "Doctor" means a licensed health care provider acting within the scope of his or her license and rendering care or treatment to a Covered Person that is appropriate for the condition and locality. It will not include a Covered Person or a member of the Covered Person's Immediate Family Member or household. "Home Country" means a country from which the Covered Person holds a passport. If the Covered Person holds passports from more than one country, his or her Home Country will be that country which the Covered Person has declared to Us in writing on the application as his or her Home Country. "Hospital" means an institution that:

  1. operates as a Hospital pursuant to law for the care, treatment, and providing of in-patient services for sick or injured persons
  2. provides 24-hour nursing service by Registered Nurses on duty or call
  3. has a staff of one or more licensed Doctors available at all times
  4. provides organized facilities for diagnosis, treatment and surgery, either:
  1. on its premises
  2. in facilities available to it, on a pre-arranged basis
  1. is not primarily a nursing care facility, rest home, convalescent home, or similar establishment, or any separate ward, wing or section of a Hospital used as such; and
  2. is not a place solely for drug addicts, alcoholics, or the aged or any separate ward of the Hospital "Immediate Family Member" means a person who is related to the Covered Person in any of Following ways: spouse; parent (includes stepparent); child (includes legally adopted and step child); brother or sister (includes stepbrother or stepsister); parent-in-law; son or daughter–in–law; and brother- or sister-in-law.   "Injury" means accidental bodily harm sustained by a Covered Person that results directly and independently from all other causes from a Covered Accident. All injuries sustained by one person in any one Accident, including all related conditions and recurrent symptoms of these injuries, are considered a single Injury. "Medical Emergency" means a condition caused by an Injury or Sickness that manifests itself by symptoms of sufficient severity that a prudent lay person possessing an average knowledge of health and medicine would reasonably expect that failure to receive immediate medical attention would place the health of the person in serious jeopardy.  "Pre-existing Condition" means a condition, regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 3 year period before the Covered Person's coverage became effective under the Policy. The term does not include genetic information in the absence of a diagnosis of the condition related to such information. "Related Costs" means food, lodging and, if necessary, physical protection for the Covered Person during the Transport to the Nearest Place of Safety. "Sickness" means an illness, disease  or condition of the Covered Person that causes a loss for  which a Covered Person incurs medical expenses while covered under the Policy. All related conditions and recurrent symptoms of the same or similar condition will be considered one Sickness. "Traveling Companion" means a person or persons with whom you have coordinated travel arrangements, shares the same accommodations as You and intend to travel with during the Trip. "Usual and Customary Charge" means the average amount charged by most providers for   treatment, service or supplies in the geographic area where the treatment, service or supply is provided. "We", "Our", "Us" means Starr Indemnity & Liability Company or its authorized agent. "