Patriot America Insurance vs Safe travels USA Comprehensive travel Insurance comparison

These are two popular visitor insurance plans for international travel. 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
Safe Travels USA Comprehensive
Plan Maximum
Deductible
insurer  Insurer
IMG Trawick International
brochure  Brochure & Details links
» Patriot America Insurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
» Safe Travels USA Comprehensive Brochure
» Safe Travels USA Comprehensive Details
» Safe Travels USA Comprehensive Reviews
file  Underwriter
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Safe Travels USA Comprehensive Underwriter
GBG Insurance Limited
Best Rating  Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
planmaximum  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
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  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  Emergency Medical Evacuation
Up to the maximum limit. Not subject to deductible 100% up to $2,000,000
Pre-existing  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 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
Pre-existing  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.
coverage  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
unique  Unique Advantages
Patriot America Insurance Advantages:
Optional coverage for adventure sports with purchase of the rider. Ideal for US citizens and expats residing outside and visiting USA.
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
hostpital  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+”.

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:
  • Plan Maximum coverage:
    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.
  • What is a deductible in visitors 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.
  • What is a provider network?
    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.
  • What is coinsurance in visitor 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.
  • Renewability of US Travel health 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.
  • Eligibility for US visitors insurance
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • Pre-existing conditions US visitors medical insurance coverage
    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


Resourceful visitors medical insurance information

Resources

Visitor insurance resources

International travel insurance resources for travel emergency while outside your home country.


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Factors

Factors for travel insurance

Important factors to consider while deciding on the best visitors medical insurance.


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comparison

Types of visitor insurance

Understanding different types of US visitor health insurance options, fixed benefits vs comprehensive coverage.


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Claims Procedure

Claims Procedure

Helping travelers with the insurance claims process for getting medical care in a hospital.


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Travel health insurance information

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