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Beacon America vs Safe Travels USA Cost Saver Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Beacon America vs Safe Travels USA Cost Saver Insurance.

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a detailed comparison of the plans you have chosen to compare. The detailed comparison is an aid to help you familiarize yourself with plan coverages. The detailed comparison is not inclusive of all the coverages or details included in a plan. Do not make a decision based on this information alone.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

General

Beacon America
Safe Travels USA Cost Saver

Medical - Outpatient

To policy maximum
Excluded
US-Urgent Care: Deductible waived, $35 copay. Co-insurance still applies.
To policy maximum Extra $350 deductible for illness or injury visit that does not result in hospitalization.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
-
To policy maximum
Included
Urgent Care: Deductible waived, $30 copay; unless $0 deductible. Walk-in Clinic: Deductible waived, $15 copay: unless $0 deductible. Co-insurance still applies.
To policy maximum Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
$125 for one visit. Minimum initial purchase of 30 days. Must occur within first 21 days from effective date.

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
To policy maximum, average semi-private room including nursing services.
To policy maximum, three times average semi-private room rate.
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

180 days
Same as any other eligible medical expense
Standard hospital bed and/or standard basic wheelchair
Standard hospital bed and/or standard basic wheelchair
$100 (plan deductible waived)
$100 (plan deductible waived)
Recreational: Included. Optional: Extreme Sports.
Recreational: Included. Optional: Extreme Sports.
To policy maximum when illness or injury results in hospitalization as inpatient.
$1,500 maximum for Complications of pregnancy only, during first 26 weeks of pregnancy.
$1,500 maximum for Complications of pregnancy only, during first 26 weeks of pregnancy.
-
-
$60 per visit, 1 visit per day, 15 visits maximum. Must be ordered in advance by physician.
$60 per visit, 1 visit per day, 15 visits maximum. Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
None
Acute onset only, for persons under 70: Medical up to $150,000 with policy maximum $550,000 or $1,100,000; medical up to $50,000 with policy maximums $60,000 to $200,000. Medical Evacuation up to $25,000.
Acute onset only, for persons under 70: Medical up to $150,000 with policy maximum $550,000 or $1,100,000; medical up to $50,000 with policy maximums $60,000 to $200,000. Medical Evacuation up to $25,000.
-
Included, up to $100,000 or policy maximum; whichever is lower.
Included, up to $100,000 or policy maximum; whichever is lower.
180 days
$25,000 for ages up to 69; $15,000 for ages 70 and over
-
-
-
-
-
-
To policy maximum. Must be medically necessary.
Emergency medical treatment of pregnancy to $1,000
Emergency medical treatment of pregnancy to $1,000
$2,500
$2,500
$50 per day, maximum of 10 days Must be ordered in advance by physician.
$50 per day, maximum of 10 days Must be ordered in advance by physician.
First Health PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
First Health PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
None
Unexpected Recurrence, for persons under 70: $1,000
Unexpected Recurrence, for persons under 70: $1,000
-
Excluded
Excluded

Dental

$500, minimum initial purchase of 90 days.
$1,000, minimum initial purchase of 180 days.
$250
$250

Travel

-
$10,000
$10,000
Travel Delay of 12+ hours: $100/day, 2 days maximum. COVID-19 quarantine: $50/day, 10 days maximum; must purchase a minimum of 30 days of coverage initially and in each extension.
Primary
Travel Delay of 12+ hours: $100/day, 2 days maximum. COVID-19 quarantine: $50/day, 10 days maximum; must purchase a minimum of 30 days of coverage initially and in each extension.
Primary
$100 per item, $500 maximum
$100 per item, $500 maximum
$50,000
$50,000
$100,000, maximum of 15 days
$100,000, maximum of 15 days
To policy maximum
To policy maximum
$50,000
$5,000
-
$500
$500
-
$5,000
$5,000
-
-
$1,000
$1,000
$5,000
$5,000
$15,000
$15,000
$1,000,000. Medically Necessary Repatriation up to $15,000.
$1,000,000. Medically Necessary Repatriation up to $15,000.
$50,000
$5,000
-
-
-

Life

Under 18: $6,000; Primary Insured: $30,000; Spouse: $20,000; Ages 70-74: $15,000; Ages 75+: $7,500; maximum of $250,000 per family.
Under 18: $6,000; Primary Insured: $30,000; Spouse: $20,000; Ages 70-74: $15,000; Ages 75+: $7,500; maximum of $250,000 per family.
Under 18: $30,000; Ages 18+: $50,000; maximum of $250,000 per family.
Under 18: $30,000; Ages 18+: $50,000; maximum of $250,000 per family.
$25,000
$25,000
$25,000
$25,000

Other

Included
Incidental: 14 days, minimum initial purchase of 90 days. End of Trip: 15 days, minimum initial purchase of 180 days; 30 days, minimum initial purchase of 364 days.
Incidental: 14 days, minimum initial purchase of 90 days. End of Trip: 15 days, minimum initial purchase of 180 days; 30 days, minimum initial purchase of 364 days.
$150 per day, maximum of 7 days. Not available in U.S.
$150 per day, maximum of 7 days. Not available in U.S.
-
$500 per day, 5 day maximum
$50,000 Eligible medical expenses only
$50,000 Eligible medical expenses only
Included
Included
-
-
$50 per night, $500 maximum
$50 per night, $500 maximum
-
$10,000. $250 per day, 5 day maximum for accommodations.
-
-
Included

Plan Features

Before effective date, full refund. After effective date, pro-rated refund minus $25 cancellation fee, as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Political Evacuation: $100,000. Bedside Visit: $1,000 after 5 days hospitalization. Not available in U.S. Third Party Liability: $500. Emergency Pet Return Home: $500 after 36 hours of hospitalization. Rental Car Deductible Reimbursement: $500.
Email
Per Policy Period
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$12,000 Age 80+
$25,000 Up to 79
$50,000 70-79
$60,000 Up to 69
$75,000 Up to 69
$110,000 Up to 69
$200,000 Up to 69
$550,000 Up to 69
$1,100,000 Up to 69
Azimuth Risk Solutions
Lloyd's
Before or on effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Political Evacuation: $25,000
Email
Per Policy Period
$0 Up to 89
$50 Up to 89
$100 Up to 89
$250 Up to 89
$500 Up to 89
$1,000 Up to 89
$2,500 Up to 89
$5,000 Up to 89
Lifetime Maximum
$50,000 Up to 89
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
Surego Administrative Services
Zurich Insurance Europe AG Belgian branch
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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