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

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Compare Travel Plans
Patriot America Plus
versus
 Safe Travels USA Comprehensive
Patriot America Plus
Plan Maximum
Deductible
Pre-existing / COVID19 Coverage
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Safe Travels USA Comprehensive
Plan Maximum
Deductible
Safe Travels USA Comprehensive Insurance covers covid19 illness
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Insurance Providers IMG trawick-international
Covid19 Coverage Not Available Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Safe Travels USA Comprehensive covers COVID19 expenses and treated as any other sickness.
Eligibility
Patriot America Insurance:
People travelling outside their home country whose destination includes the US and its territories.

  • 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
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
Plan maximum Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
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
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

 Travel Insurance

US Network of hospitals and doctors US PPO Network US PPO Network
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+”
Brochure and Details

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

Safe travels USA vs Patriot America vs Liaison Travel insurance USA - FAQs

  • trawick logo
    Safe Travels USA Comprehensive
  • IMG
    Patriot America Plus

Trawick International offers coverage for Covid19 illness. The Safe Travels USA Comprehensive travel insurance covers Covid19 for coronavirus and will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. The eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

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.

For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

Cancellation before effective date:
  • A full refund would be considered
Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:
  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company, then
  • a cancellation fee of US $25 will be charged;
  • only full month premiums will be considered as refundable;
  • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

Safe Travels USA Insurance is an affordable Covid19 travel insurance. Safe Travels USA Comprehensive by Trawick International is ideal for visitors to the USA looking for cheap travel health insurance including coverage for COVID-19/SARS-CoV-2.

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).

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

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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.

Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

For Trawick International Travel insurance Policy Cancellation : If your travel insurance USA plan is cancelled you have to submit a written request to info@trawickinternational.com for cancellation and refund of your travel medical insurance premium cost.

Cancellation before effective date:
  • A full refund would be considered
Cancellation of the travel health insurance after effective date the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:
  • If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
  • If no claims have been filed with the Company, then
  • a cancellation fee of US $25 will be charged;
  • only full month premiums will be considered as refundable;
  • If after a refund is made, it is determined that a claim was presented to the company on an Insured Person’s behalf, the Insured Person will be fully responsible for that claim in its entirety.

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.

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

Patriot America Plus insurance works well 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”, then after the deductible amount, Patriot America Plus 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 Plus insurance would pay 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.

Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus 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.

Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

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.

This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries. We can get you an ideal tourist medical insurance in USA. We offer Patriot America insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.

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