Patriot America Plus vs Safe travels USA Comprehensive Insurance comparison

Compare benefits offered by Patriot America Plus Insurance and Safe travels USA Comprehensive travel Insurance plans. These two 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 plan for your needs.


Compare Patriot America and Safe Travels USA Comprehensive plans

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Pre - existing / COVID19 Coverage
Safe Travels USA Comprehensive
Plan Maximum
Deductible
Insurer
IMG Trawick International
Brochure & Details links
Coronavirus coverage
Not Available Patriot America PlusCoveres up to policy maximum (contracted and treatment is provided after the policy effective date). Safe Travels USA Comprehensive covers COVID19 expenses and treated as any other sickness.
Underwriter
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Safe Travels USA Comprehensive Underwriter
Crum and Froster SPC
Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
Eligibility
Patriot America Insurance:
People travelling outside their home country whose destination includes the US and its territories.

Patriot America Plus:
  • Non US citizens travelling to the USA.
  • US citizens living outside USA who want to visit US.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.
Safe travels USA Comprehensive:
  • Foreign residents visiting USA and worldwide
  • Travelers up to the age of 89 years
Plan maximum
Worldwide including US (Patriot America)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US (Patriot International)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Patriot America Plus
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Age 80 to 89: $50,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80 to 89: $50,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Coinsurance
Coverage in USA
In PPO- Plan pays 100%
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage outside US: No coinsurance
  • In-network:  Plan pays 100%
  • Out-of-network:  Plan pays 80% of eligible expenses up to $5,000, then 100%
100% of Covered Expenses up to the policy maximum
Emergency Medical Evacuation
Up to the maximum limit. Not subject to deductible 100% up to $2,000,000
Acute onset of Pre-existing Condition Coverage
For Patriot International plan only
  • Covers up to maximum limit, under the age of 70 years.
Under 70 years of age: Up to period of coverage maximum limit.
For people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or conditions. For age below 65 years: Up to $20,000
Age 65 and above: $10,000
Subject to the choosen Deductible and Coinsurance for Covered Expenses
Repatriation of remains
$50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. 100% up to $1,000,000
Definition of Acute onset of Pre-existing Condition
Injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance. Regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person's coverage became effective under the Policy. A sudden and unexpected outbreak or recurrence of a PreExisting Condition which 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.
Length of Coverage
Plan can be purchased for a minimum of 5 days up to a maximum of 2 years Plan can be purchased for a minimum of 5 days up to a maximum of 1 year, Renewable up to 2 years
Unique Advantages
Patriot America 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 America Plus: Available for green card holders as long as their primary residence is outside the US
Safe Travels USA Comprehensive Advantages:
  • 80% of the first $5,000 of eligible expenses then 100% up to the policy maximum
  • Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
  • Emergency medical treatment of pregnancy up to $1,000
  • Mental or nervous disorders up to $2,500
  • Physiotherapy/Chiropractic $50 per visit per day up to 10 visits
  • Dental treatment - for injury or emergency alleviation of pain $250
US Network of hospitals and doctors
» US PPO Network » US PPO Network

Patriot America Insurance vs Safe Travels USA Insurance

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.
Patriot America 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. Safe Travels USA is offered by Trawick International and has an AM Best Rating of “A+”.

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What are factors to consider while comparing Patriot America insurance and Safe Travels USA insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America insurance and Safe Travels USA Comprehensive insurance:
  • Compare visitor medical insurance maximum coverage between Patriot America insurance and Safe Travels USA 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 Safe Travels USA Comprehensive insurance offers visitors medical coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum, Patriot America Insurance offers coverage of $10,000 and Safe Travels USA Comprehensive Insurance is available up to 89 years.
  • Compare visitors health insurance deductible options between Patriot America insurance and Safe Travels USA 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. Safe Travels USA Comprehensive and Patriot America insurance both offer a set of deductible options for the travelers to choose from. Patriot America insurance has deductible options from $0 up to $2,500 while Safe Travels USA Comprehensive insurance has a range of deductible option from $0 up to $5,000.
  • Compare travel medical insurance provider network for Patriot America insurance and Safe Travels USA 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 Safe Travels USA insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Insurance and Safe Travels USA Comprehensive have 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.
  • Contrast the travel health Insurance renewability options for Patriot America insurance and Safe Travels USA insurance:
    Sometimes 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. Safe Travels USA Comprehensive Insurance can be renewed for 1 year.
  • Compare eligibility options of US visitors travel insurance for Patriot America insurance and Safe Travels USA insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America Plus insurance and Safe Travels USA insurance:
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while Safe Travels USA Comprehensive offers coverage for people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or condition

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