Compare the best comprehensive U.S. visitor medical insurance plans and find options that offer coverage for the acute onset of pre-existing conditions
Looking for the best visitor medical insurance for the USA? Compare Safe Travels USA Comprehensive and Patriot America Plus side-by-side and pick the right plan in seconds.
| Safe Travels USA Comprehensive | ||
|---|---|---|
| Insurance Providers help | ||
| Underwriter | Zurich Insurance | SiriusPoint Insurance |
| A.M. Best Rating | “A (Excellent)” | "A- by A.M." |
| Length of coverage help | 5 days to 12 months | 5 days to 12 months |
| Renewability help | Yes : Up to 1 years | Yes : Up to 2 years |
| Medical Maximum Options help | $50,000, $100,000, $250,000, $500,000, $1,000,000 | $50,000, $100,000, $250,000, $500,000, $1,000,000 |
| Deductible Options help | $0, $100, $250, $500, $1,000, $2,500, $5,000 | $0, $100, $250, $500, $1,000, $2,500 |
| Medical Benefits | ||
| Hospital room and board help | Covered | Covered |
| Intensive care unit help | Up to the overall maximum limit | Up to the overall maximum limit |
| Emergency Services | ||
| Emergency local ambulance help | Covered | Covered |
| Hospital emergency room help | $200 Additional deductible per visit | $250 deductible for each emergency room visit |
| Dental | ||
| Emergency dental treatment help | Up to $250 | Up to $300 |
| Acute Onset of Pre-Existing Condition | ||
| Acute Onset of Pre-Existing Conditions help | Upon attending age 70 -79 Acute Onset benefit will bereduced to a Maximum of $35,000, Upon attending age 80 the benefit will be reduced to a maximum $20,000. |
Covered |
| Brochure and Details | ||
Last Updated: 2026
| Plan | Maximum Coverage | Notes |
|---|---|---|
| Safe Travels USA Comprehensive | $50K – $1,000,000 | Higher coverage limits, senior-friendly options up to age 89, better protection for high-cost emergencies |
| Patriot America Plus | $50K – $1,000,000 | Includes coverage for acute onset of pre-existing conditions (under age 70) and offers broader protection |
| Plan | Deductible | Notes |
|---|---|---|
| Safe Travels USA Comprehensive | $0, $100, $250, $500, $1,000, $2,500, $5,000 | Higher deductible = lower premium |
| Patriot America Plus | $0, $100, $250, $500, $1,000, $2,500 | Same deductible options with broader coverage benefits |
✅ Note: Choosing a higher deductible can reduce your monthly premium, while a lower deductible reduces out-of-pocket costs during medical claims.
Both plans are comprehensive visitor medical insurance plans. After the deductible is met, eligible medical expenses are covered based on the coinsurance structure until the policy maximum is reached.
⚠️ Note: Using doctors within the UnitedHealthcare PPO and First Health Care PPO network can help reduce out-of-pocket medical expenses
These plans do not cover routine or ongoing treatment for pre-existing conditions (such as diabetes or hypertension). However, both plans provide coverage for acute onset of pre-existing conditions, meaning sudden and unexpected medical complications that require immediate treatment.
| Plan | Acute Onset of Pre-Existing Conditions Coverage |
|---|---|
| Safe Travels USA Comprehensive | Covered up to 100% of the policy maximum for ages up to 69. Ages 70–79: benefit reduced to $35,000. Age 80+: benefit reduced to $20,000 Cardiac & stroke expenses limited to $25,000 (up to age 69) and $15,000 (age 70+) per policy period. |
| Patriot America Plus | Acute onset of pre-existing conditions covered up to the policy maximum for travelers up to age 70. |
These plans are designed for unexpected medical emergencies during travel, not for regular treatment of chronic medical conditions.
Here’s the decision logic based on your priorities:
Both Patriot America Plus and Safe Travels USA Comprehensive are popular visitor insurance plans for parents and relatives visiting the United States. They provide strong emergency medical coverage, hospitalization benefits, and protection against unexpected medical expenses during travel. However, each plan offers different advantages depending on the traveler’s age, coverage needs, and eligibility.
✅ Best choice for: Travelers under 70 who want acute onset protection, PPO network access, and flexible long-term visitor insurance coverage.
✅ Best choice for: Travelers who want comprehensive visitor insurance with acute onset coverage available even for older travelers.
Both Safe Travels USA Comprehensive and Patriot America Plus offer strong visitor medical insurance for travelers visiting the United States. The monthly cost of these plans varies based on the traveler’s age, coverage limit, and deductible.
In general, Safe Travels USA Comprehensive plans start at around $50 per month, while Patriot America Plus plans start at about $59 per month for younger travelers with a $50,000 coverage limit. As the traveler’s age and coverage amount increase, the premium will also increase.
The table below provides an estimated monthly premium comparison for different age groups and coverage limits to help you choose the best plan for your needs.
| Age | Plan | $50K | $100K | $250K |
|---|---|---|---|---|
| 18-29 yrs | Patriot America Plus | $59 | $75 | $83 |
| Safe Travels USA Comprehensive | $50 | $64 | $77 | |
| 30-39 yrs | Patriot America Plus | $73 | $99 | $116 |
| Safe Travels USA Comprehensive | $68 | $94 | $110 | |
| 40-49 yrs | Patriot America Plus | $96 | $118 | $132 |
| Safe Travels USA Comprehensive | $90 | $113 | $131 | |
| 50-59 yrs | Patriot America Plus | $160 | $196 | $244 |
| Safe Travels USA Comprehensive | $148 | $187 | $235 | |
| 60-69 yrs | Patriot America Plus | $205 | $265 | $289 |
| 60-64 yrs | Safe Travels USA Comprehensive | $172 | $226 | $298 |
Safe Travels USA Comprehensive & Patriot America Plus cost per month with a $0 deductible
Travelers seeking affordable visitor medical insurance for the USA often compare plans like Safe Travels USA Comprehensive and Patriot America Plus because of their lower premiums and flexible coverage options.
Source: American Visitor Insurance®
What is the advantage of buying Safe Travels USA Comprehensive plan?
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 Comprehensive is also available for US citizens and US permanent residents (Green card holders).
Which Travel Insurance Covers Pre-Existing Conditions for Trips Under 90 Days?
If you are looking for travel insurance for visitors with pre-existing conditions and your trip is less than 90 days, the Safe Travels USA Comprehensive plan is an excellent choice. This plan offers acute on set of pre-existing conditions up to 89 years ans also includes cardiac and stroke coverage of $15,000 or $25,000, depending on your age.
Does Safe Travels USA Comprehensive Insurance cover pre-existing conditions?
Yes, Safe Travels for visitors to the USA insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
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.
You can buy Patriot America Plus insurance online easily through American Visitor Insurance. Just enter your travel details, compare plans, choose your coverage, and complete the purchase in minutes. You’ll get your ID card and policy documents instantly by email.
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 IMG Patriot America Plus insurance have a cancellation fee?
Yes. Patriot America Plus have $50 cancellation fee after the effective date.
Yes, IMG Patriot America Plus is one of the best travel insurance option for seniors visiting the USA, especially those under the age of 70. It offers comprehensive coverage for medical emergencies, including the acute onset of pre-existing conditions, which is important for older travelers. With flexible deductible and policy maximum options, Patriot America Plus is considered one of the best visitor insurance plans for seniors traveling to the USA.