YOUR TRIP.
YOUR HISTORY.
YOUR PLAN.
The only brokerage that wraps medical evacuation, trip cancellation, and pre-existing condition coverage into one custom plan — built around your health history, not despite it.
Average Medical Evacuation Cost
Out-of-pocket if your standard policy excludes the reason you were evacuated
Standard Policies That Exclude Pre-Existing Conditions
Of travelers with managed conditions buy policies that will deny their most likely claim
Travelers Denied Claims Last Year
People who paid premiums, filed a claim, and were told it wasn't covered — often mid-trip
What standard policies say
versus what you need them to say
Five categories. Real policy language on the left. Plain English on the right. Scroll to see the gap widen.
Cancellation permitted for illness, injury, or death of insured — excluding any
See §4.2(b)(iii) exclusion schedule for full terms
Cancel for any medical reason, including flare-ups of conditions you disclosed at enrollment.
Maximum benefit $25,000. Excludes transport for conditions deemed pre-existing p
See §4.2(b)(iii) exclusion schedule for full terms
Up to $500,000 in medical evacuation. No pre-authorization needed. Covers pre-existing emergencies by name.
Standard 180-day look-back. Cardiac history, respiratory conditions, diabetes, a
See §4.2(b)(iii) exclusion schedule for full terms
Conditions disclosed at enrollment are covered. 60-day stability window. Cardiac, respiratory, diabetes, and joint replacement covered by name in your policy document.
Hiking above 8,000 feet elevation excluded. Guided river activities require sepa
See §4.2(b)(iii) exclusion schedule for full terms
Optional adventure rider covers guided hiking, river cruises, and moderate adventure travel. Added to your plan in one checkbox.
Companion coverage available as separate policy at additional premium. Benefits
See §4.2(b)(iii) exclusion schedule for full terms
Both travelers on one plan. If either of you can't travel, the whole trip is covered — including your companion's return flight home.
From profile
to passport case
in 24 hours
The relief of preparedness so thorough it becomes its own kind of freedom. Every document in order before you pack.
Build your profile
Five questions about your destination, health history, and activity level. Takes under 5 minutes. No medical exam.
We ask about cardiac history, diabetes, respiratory conditions, joint replacements — the conditions standard insurers use to deny claims. We use this to find coverage that explicitly includes them.
Receive your comparison
Within one business day, a Safeguard specialist sends you a side-by-side comparison of three plans — all with pre-existing condition coverage.
No automated quotes that miss the fine print. A human specialist reviews your profile and selects plans where your specific conditions are named in the coverage, not excluded.
Confirm your plan
Choose your plan. Review the plain-language summary. Your conditions are listed by name on page one of your policy document.
You receive a policy document where your covered conditions appear in plain English on the first page — not buried in an exclusion schedule on page 47.
Travel with certainty
Your coverage card shows your conditions, your evacuation ceiling, and the 24/7 emergency number — everything you need in one place.
If you need evacuation, there's no pre-authorization call. No arguing about what qualifies. One number. One card. The ambulance is covered.
Built for travelers who
refuse to be grounded
Claim approval rate for enrolled conditions
Maximum evacuation coverage per plan
Travelers covered since 2019
Stability window vs. industry 180-day standard
My cardiologist told me I could travel. My last insurer told me my stent was a pre-existing condition and denied the claim. Safeguard named it in the policy. That's the difference.
Robert Callahan
Age 67 · Cardiac history
Rhine River Cruise, 2025
I have Type 2 diabetes and I wanted to walk the Camino. Every standard policy I found had a fine-print exclusion. Safeguard built a plan that listed diabetes coverage on page one.
Margaret Osei-Bonsu
Age 61 · Type 2 diabetes
Camino de Santiago, 2025
My husband had a knee replacement two years ago. We winter in Scottsdale and I was always terrified of an emergency. Now I know the number: $500,000 evacuation. That number gives me peace.
Susan Wentworth
Age 64 · Joint replacement (spouse)
Scottsdale snowbird, 2025–2026
The Pre-Existing Condition Checklist
The 12 exclusion clauses to search for in any travel insurance policy — before you buy it. A plain-language PDF that takes 8 minutes to read and could save you $85,000.