Patriot America 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
Maximum
Deductible
Pre - existing
Safe Travels USA Comprehensive
Maximum
Deductible
insurer  Insurer
IMG Trawick International
brochure  Brochure & Details links
» Brochure
» Details
» Reviews
» Brochure
» Details
» Reviews
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 $1,000,000 maximum limit. 100% up to $2,000,000
Pre-existing  Acute onset of Pre-existing Condition Coverage
For Patriot International plan only
For US Citizens
  • Up to age 65 with primary health plan: Up to maximum limit.
  • Up to age 65 witout primary health plan: $20,000 certificate period.
  • Age 65 to age 70: $2,500 certificate period.
For Non US citizens
  • Up to age 70 years: Up to maximum limit or $500,000 whichever is less
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
Optional coverage for adventure sports with purchase of the rider.
  • 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
  • Satisfies Schengen Visa Insurance Requirements when purchased with a $0 Deductible.
  • Optional coverage for hazardous sports.
  • Covers basic lost baggage up to $1,000
hostpital  US Network of hospitals and doctors
» US PPO Network » US PPO Network
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