Patriot America Plus Insurance vs Liaison Travel Insurance

Compare visitors insurance benefits offered by Patriot America Plus Insurance for Visitors to USA and Liaison Choice Insurance plans. These two US travel insurance 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 US travel medical insurance plan for your needs.

IMG vs Seven Corners visitor insurance comparison

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Compare Travel Plans
Patriot America Plus
versus
 Liaison Travel Plus 
Patriot America Plus
Plan Maximum
Deductible
Pre-existing / COVID19 Coverage
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Liaison Travel Plus
Plan Maximum
Deductible
COVID19 Coverage
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Insurance Providers IMG Seven-corners
Covid19 Coverage Not Available Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Liaison Travel Plus Insurance covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less. Not Available
Medical Maximum Options 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
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-74: $50,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 64-74: $50,000, $100,000
Worldwide including US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000
Ages 65-69: $50,000, $100,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US
Age 14 days to 64: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 65-79: $50,000, $100,000
Ages 80+: $10,000
Deductible Options $0, $100, $250, $500, $1,000 or $2,500 Age 14 days to 64:$0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65-69: $0; $250; $500; $1,000; $2,500; $5,000
Age 14 days to 64:$0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65-69: $0; $250; $500; $1,000; $2,500; $5,000
Ages 80+: $0; $500; $1,000; $2,500; $5,000

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: Plan pays 100%
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%.
Length of Coverage Minimum : 5 days
Maximum : 2 years
Minimum: 5 days
Maximum: 364 days
Minimum: 5 days
Maximum: 364 days
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.
Definition of Acute onset of Pre-existing Condition
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Worldwide Including the United States:
  • Ages 14 days to 64 years: $10,000
  • Ages 65 to 74 years :$5,000
Worldwide Excluding the United States:
  • Ages 14 days to 64 years: $50,000
  • Ages 65 to 74 years :$10,000
Local Ambulance Up to medical maximum Up to $10,000
Terrorism Up to $50,000 maximum limit. Not subject to deductible. $25,000 $25,000
Political evacuation $100,000 maximum limit. Not subject to deductible. $10,000 $10,000
Hospital Indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $150 per day, 30-day limit $150 per day, 30-day limit
Unique Advantages
Patriot Travel 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.
Liaison Travel Plus Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
Liaison Choice Insurance Advantages:
  • Comprehensive visitors insurance.
  • Liaison Travel Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50,000 coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.

 Accident death and dismemberment

Common Carrier $50,000 principal sum. Not subject to deductible. Up to $25,000 for a primary insured & travel companion
Up to $5,000 for a child.
Aggregate limit of $250,000 for total number of insureds on plan.
Up to $25,000 for a primary insured & travel companion
Up to $5,000 for a child.
Aggregate limit of $250,000 for total number of insureds on plan.
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.
$50,000 primary insured & travel companion, $10,000 child
Aggregate limit of $250,000 for total number of insureds on plan.

 Travel Insurance

US Network of hospitals and doctors » US PPO Network » US PPO Network
International Network of hospitals and doctors » International PPO Network » International PPO Network
Underwriter Patriot Travel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Liaison Travel Plus Insurance Underwriter
Certain Underwriters at Lloyd's of London
Liaison Travel Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London
Rating Patriot Travel Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Plus Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
Brochure and Details

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 Liaison Travel choice 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.

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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:
  • Compare visitor medical insurance maximum coverage between Patriot America insurance and Liaison Travel 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 Liaison Travel Choice insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Patriot America insurance and Liaison Travel 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. 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.
  • Compare travel medical insurance provider network for Patriot America insurance and Liaison Travel 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 Liaison Travel 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.
  • Contrast the travel health Insurance renewability options for Patriot America insurance and Liaison Travel 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.
  • Compare eligibility options of US visitors travel insurance for Patriot America insurance and Liaison Travel 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.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America Plus insurance and Liaison Travel insurance:
    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

Patriot America Plus vs Liaison Travel insurance - FAQs

  • IMG
    Patriot America Plus insurance
  • Seven -corners
    Liaison Travel Plus

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.

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.

Patriot America Plus Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

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.

Seven Corners has introduced coronavirus travel insurance plans with Covid 19 coverage to protect the safety of international travelers. At American Visitor Insurance we are committed to getting you the best Seven Corners coronavirus travel insurance coverage in these uncertain times.
The Seven Corners Covid 19 travel insurance plans with Coronavirus coverage include Travel Medical Assistance Services, Trip Management Assistance Services, Travel Intelligence Services, 24 Hour Customer Assist Services, Worldwide Provider Network Access, Wellabroad Access to all Insured, Myplan Access to all Major Medical and Group Members.

Yes. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.

Individuals and families including unmarried dependent children traveling outside of their Home Country.

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