Patriot America Insurance vs Liaison Choice Insurance

These are two popular visitor insurance plans for international travel. Compare price and benefits to find the best plan for your needs.


IMG vs Seven Corners visitor insurance comparison

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Pre - existing
Liaison Choice
Plan Maximum
Deductible
IMG seven corners
brochure  Brochure & Details links
» Patriot America Insurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
» Liaison Choice Insurance Brochure
» Liaison Choice Insurance Details
» Liaison Choice Insurance Reviews
file  Underwriter
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Liaison Travel Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London
Best Rating  Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
coverage  Medical Maximum Options
Worldwide including US
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
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Worldwide including US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000

Worldwide excluding US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
coverage  Deductible Options
$0, $100, $250, $500, $1,000 or $2,500 $0, $100, $250, $500, $1,000, $2,500, $5,000
coinsurance  Coinsurance
Coverage in USA
In PPO - Plan will pay 90% of eligible expenses up to $5,000, then 100%.
Outside PPO - Plan will pay 80% of eligible expenses up to $5,000, then 100%

Coverage outside US
Plan will pay 100% of eligible expenses up to the plan maximum.
Coverage in USA
In PPO - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
Outside PPO - The plan pays 80% of the first $5,000, then 100% to the medical maximum.

Outside the United States
- The plan pays 100%.
Dismemberment  Accidental Death and Dismemberment
$50,000 principal sum. Not subject to deductible. $25,000 primary insured & travel companion; $5,000 child
Aggregate limit of $250,000 for total number of insureds on plan
coverage  Length of Coverage
Minimum : 5 days
Maximum : 2 years
Minimum: 5 days
Maximum: 364 days
renewal  Renewability
Yes : Up to
2 years if initial purchase is 1 month
Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.
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. Sudden and unexpected outbreak or recurrence of a pre-existing 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 care.
accident  Common Carrier Accidental Death
$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible $50,000 primary insured & travel companion; $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan
accident  Local Ambulance
Up to medical maximum Up to $10,000
accident  Terrorism
Up to $50,000 maximum limit. Not subject to deductible. Up to $50,000
Political evacuation  Political evacuation
$100,000 maximum limit. Not subject to deductible. $10,000
hostpital  Hospital Indemnity
$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $150/night to a maximum of 30 days per occurrence, while traveling outside the U.S. & Canada.
unique  Unique Advantages
Patriot America Advantages:
Optional coverage for adventure sports with purchase of the rider.
Ideal for US citizens and expats residing outside and visiting USA.
Liasion choice insurance Advantages:
Best for American Expatriates visiting the US.
Optional coverage for hazardous sports.
hostpital  US Network of hospitals and doctors
» US PPO Network » US PPO Network
hostpital  International Network of hospitals and doctors
» International PPO Network » International PPO Network

Compare Patriot America and Liaison Travel Insurance

Visiting USA can be a great experience but an unfortunate event like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance. There are many visitors insurance available online and it is a challenge to select the best travel health insurance for USA. The visitors to the US should compare different travel insurance plans, in particular US travel health insurance plans like Atlas America insurance and Patriot America insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness. These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers. Patriot America insurance is administered by International Medical Group (IMG) with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Liaison Travel Choice Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 27 years.

AVI customer service

NEED HELP? Contact Us
We are here to help you!

  +1-(877)-340-7910

What are factors to consider while comparing Patriot America insurance and Liaison Travel insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America insurance and Liaison Travel Choice 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 Liaison Travel Choice insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum.
  • 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. Atlas America insurance and Liaison Travel Choice 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 and Liaison Travel Choice Insurance have 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 has 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. Liaison Travel Choice Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and within provider network it pays 90% of the first $5,000, then 100% up to medical maximum.
  • Renewability of US Travel health Insurance
    Sometime 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 while Liaison Travel Choice Insurance can be renewed up to a total of 364 days.
  • 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. Patriot America has a time restrictions that it has to be bought within 30 days of arrival in the US.
  • 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 Liaison Travel Choice Insurance offers coverage of $30,000 for travelers up to 69 years and $5,000 for travelers aged 70 years & over



Compare  Compare other popular short term visitors medical insurance plans
  Atlas America vs Patriot America Plus      Atlas America vs Liaison Choice      Patriot America vs Liaison Choice      Patriot America vs Safe travels USA      Atlas America vs Safe travels USA

Resourceful visitors medical insurance information

Resources

Visitor insurance resources

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


 Know more
Factors

Factors for travel insurance

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


 Know more
comparison

Types of visitor insurance

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


 Know more
Claims Procedure

Claims Procedure

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


 Know more

Travel health insurance information

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required