Review of Patriot America Plus vs Safe Travels USA Comprehensive
International tourists visiting USA must be aware of the rising health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA. Here the visitor can compare US visitor insurance cost of Patriot America Plus insurance and Safe Travels USA Comprehensive insurance plans by reviewing their unique Visitors medical insurance benefits.
Patriot America Plus Insurance review 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. Safe Travels US Comprehensive is offered by Trawick International and has an AM Best Rating of “A+”.
- FEATURES
- Eligible Plan for USA Coverage
- Parents Eligible to be insured
- Acute on set of Pre-existing Cover
- Eligible for Green card holders
- Renewable and Cancellable
- Deductible Choice
- A.M. Best Rating
- Covid coverage
- Underwriter
- Provider
- Buy now
- Patriot America Plus
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- Yes
- $0 to $2.5K
- "A" Excellent
- Yes
- Sirius
- IMG
- Buy Now
- Safe Travels USA
- Yes
- Yes
- Yes, covers up to 69 years
- Yes
- Yes
- $0 to $5k
- "A" Excellent
- Yes
- Zurich Insurance
- Trawick International
- Buy Now
Factors for comparing IMG vs Trawick International travel insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Safe Travels USA Comprehensive vs Patriot America Plus Insurance visitors travel insurance:
1. Policy maximum
This the maximum coverage expense that the plan would offer for the medical expenses. Safe Travel USA Comprehensive and Patriot America Plus offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.
2. Deductible options
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. All of these plans offer a set of deductible options for the travelers to choose from Patriot America Plus insurance have a range of deductible option from $0 up to $2500 and Safe Travels USA Comprehensive insurance have a range of deductible option from $0 up to $5K.
3. Provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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.
4. Coinsurance
Patriot America plus Visitor Insurance- In Network: The plan pays 100%
- Out of Network: Plan pays 80% of eligible expenses up to $5K, then 100%
- The plan pays 100% up to the overall maximum limit
5. Renewability
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Safe Travels USA Comprehensive insurance can be extended for a minimum of 5 days to 364 days. Patriot America plus can be renewed for upto to 24 months.
6. Eligibility
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA Comprehensive For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries. Patriot America Plus is available for Non US citizens travelling to the USA.Plan is suitable for Green Card holders as long as they reside outside the US.
7. Pre-existing conditions
Patriot America Plus pre-existing condition travel insurance- Covers up to 70 years
- Covers up to 70 years
Pre-existing conditions comparison table
| Pre-Existing FAQ's | Patriot America Plus | Safe Travels USA Comprehensive |
|---|---|---|
| What is a Pre-Existing Condition definition? |
Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age. |
For ages up to and including 69 the limit is up to the Medical Policy Maximum purchased per Policy Period except for any coverage related to Cardiac Conditions or Stroke, which will be limited to $25,000. Upon attaining age 70 Acute Onset benefits is not available. Benefits are payable up to the maximum provided the condition or event: 1. occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive and requires urgent and immediate medical care; 2. occurs a minimum of 48 hours after the Effective Date of the Policy; and 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Any repeat/reoccurrence within the same Policy Period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage. This benefit covers only one (1) Acute Onset episode of a Pre-Existing Condition. Sudden and Acute Onset of a Pre-Existing Condition Coverage expires upon medical advice that the condition and onset is no longer acute, or the Covered Person is discharged from a medical facility. |
| What types of pre-conditions are covered? |
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| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? | 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage | There is no look back period |
| Do you need a medical report of the person with the pre-existing condition? | No | No |
| Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? | This plan does not provide a separate document | This plan does not provide a separate document |
| What is pre-certification? | There is no pre-certification. | You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan. |
| What is the maximum age for eligibility? | Covered up to age 70 | Covered up to age 69 |
Key Highlights
Patriot America Plus vs Safe Travels USA Insurance - FAQs
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What are the benefits of Patriot International Lite insurance?
Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.
Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.
What is the coverage area of Patriot International Lite insurance?Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.
What is Patriot America Plus insurance?Patriot America Plus is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days.
Can I buy Patriot America Plus insurance after my arrival in the US?Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Does Patriot America Plus Insurance cover pre-existing conditions?Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.
I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.
How does Patriot America Lite insurance provider offer coverage for medical expenses?Patriot America Lite insurance works for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, after the deductible amount, Patriot America Lite insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Lite insurance would pay 80% of eligible expenses up to $5k, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Lite insurance working example
Can US citizens buy Patriot America Lite insurance?Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
How can one use Patriot America Lite visitor medical insurance in case of emergency in USA?Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.
What are the benefits of Patriot America Plus insurance?Patriot America Plus is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.
Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.
What is the coverage area of Patriot America Lite insurance?Patriot America Lite insurance provides coverage worldwide except in your country of citizenship.
What are the requirements for purchasing Patriot America Lite insurance?To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.
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Is Trawick international a good insurance company?Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups. Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.
Who is eligible to enrol in the Safe Travels USA Comprehensive travel insurance plan by Trawick international ?The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).
Can a traveler extend or renew the Trawick international Safe Travels USA Comprehensive plan?Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan
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