Patriot America vs Liaison Choice, IMG vs Seven Corners visitor insurance comparison

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


Patriot America Plus vs Liaison Choice

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Maximum
Deductible
Pre - existing
Liaison Choice
Maximum
Deductible
IMG seven corners
brochure  Brochure & Details links
» Brochure
» Details
» Reviews
» Liaison Choice Brochure
» Liaison Choice Details
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
$25,000 principal sum. $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
$50,000 per insured person and $250,000 maximum limit per lifetime and per family. $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
$10,000 maximum limit. Not subject to deductible. $50,000
hostpital  Hospital Indemnity
Up to $100 per overnight up to a maximum of 10 overnights. $150/night to a maximum of 30 days per occurrence, while traveling outside the U.S. & Canada.
unique  Unique Advantages
Optional coverage for adventure sports with purchase of the rider.
  • 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
file  Underwriter
Sirius International Insurance Corporation and is rated "A" (Excellent) by A.M. Best. Certain Underwriters at Lloyd's of London and is rated "A" (Excellent) by A.M. Best.
  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
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