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Patriot Travel Insurance vs Patriot GoTravel Insurance

Compare travel insurance benefits offered by Patriot America Plus and Patriot GoTravel Insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.


Compare Patriot Travel vs Patriot GoTravel from International Medical Group

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Pre - existing
Patriot Gotravel
Plan Maximum
Deductible
Brochure & Details links
Underwriter
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot GoTravel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot GoTravel Insurance Rating
AM Best Rating: "A" (Excellent)
Pre-Existing Coverage
Patriot America: Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Patriot America Plus
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
For U.S. citizens
  • Up to age 65 with primary health plan - Usual Reasonable and Customary up to plan maximum.
  • Up to age 65 without primary health plan - $20,000 lifetime maximum.
  • Age 65+ with or without primary health plan - $2,500 lifetime maximum.
For Non U.S. citizens
  • Up to $50,000 lifetime Maximum for age 65 and under.
  • Up to $2,500 for age 65+.
Coinsurance - for treatment received inside the U.S. & Canada:
In the PPO Network
The plan pays 100%.

Out of the PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
In the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Policy Maximum

Out of the PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum
Dental Treatment
$300 maximum limit due to accident or unexpected pain to sound natural teeth. No Coverage
Emergency Medical Evacuation
Up to the maximum limit. Not subject to deductible No Coverage
Return of Mortal Remains or Cremation/Burial:
Up to $50,000 for Return of Mortal Remains or $5,000 for Cremation/Burial No Coverage
Terrorism
Up to $50,000 lifetime maximum Up to $50,000 lifetime maximum
Accidental Death and Dismemberment
$50,000 principal sum. Not subject to deductible. $25,000 principle sum
Additional Benefits
  • Lost Luggage: $50 per item, $500 maximum limit. Not subject to deductible
None
Optional Riders
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus Rider
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Unique Advantages
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
Patriot Go Travel Insurance Advantages:
  • It is a comprehensive plan.
  • Universal RX pharmacy discount savings for Patriot GoTravel plan holders.
  • Good PPO network.

Compare Patriot America Insurance vs Patriot Gotravel Insurance

Visiting USA can be wonderful but it involves high travel and health risks and situations like sudden sickness or accident may arise. Many of you are aware of the high health care cost for visitors to US and the expense arising from hospitalization can be traumatic without US visitor medical insurance. Many top rate insurance providers offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA. Patriot Travel Insurance is offered by International Medical Group (IMG) which has been offering international health insurance since 27 years. It also has AM Best Rating: A++ (Superior) rating. Patriot Travel Insurance Insurance offers coverage for acute onset of pre-existing conditions up to 69 years.Patriot Gotravel Insurance doesn’t offer coverage for emergency medical evacuation and repatriation and can be renewed up to 2 years.

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What are factors to consider while comparing Patriot America insurance and Patriot GoTravel insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America insurance and Patriot GoTravel insurance:
  • Compare visitor medical insurance maximum coverage between Patriot America insurance and Patriot GoTravel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America insurance offers maximum coverage up to 1 million and Patriot GoTravel insurance offers coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Patriot America insurance and Patriot GoTravel insurance:
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot America insurance and Patriot GoTravel Insurance have deductible options from $0 up to $2,500.
  • Compare travel medical insurance provider network for Patriot America insurance and Patriot GoTravel insurance:
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Compare travel insurance coinsurance options for Patriot America insurance and Patriot GoTravel insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network. Patriot GoTravel insurance pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit within provider network and out of the provider network which is the plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Contrast the travel health Insurance renewability options for Patriot America insurance and Patriot GoTravel insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance can be renewed up to 2 years while Patriot GoTravel insurance can be renewed up to 2 years.
  • Compare eligibility options of US visitors travel insurance for Patriot America insurance and Patriot GoTravel insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America Plus insurance and Patriot GoTravel insurance:
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while Patriot GoTravel insurance offers Sudden and Unexpected Recurrence of a Pre-existing Condition upto age 65 life time maximum is $50,000 and for the age 65+ life time maximum is $2,500.

Resourceful Travel insurance information

International Medical Group, IMG travel insurance Links

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