Patriot America Plus vs Safe Travels Elite Insurance, Compare best visitor insurance USA, IMG vs Trawick International

IMG vs Trawick International visitor insurance cost comparison

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Compare Travel Plans Patriot America Plus vs Safe Travels Elite	Patriot America Plus Plan Maximum Deductible Pre-existing Yes No Covers covid19 illness Buy Now	Safe Travels Elite Plan Maximum Deductible Buy Now
Patriot America Plus vs Safe Travels Elite Insurance Benefits
Insurance Providers
Coinsurance	In network: The plan pays 100% Out network: IMG pays 80% up to $5k, then 100%.	Not Available
Length of Coverage	5 days up to 12 months - renewable up to 24 months	5 days to 364 days
Renewability	Yes : Up to 24 months	5 days to 365 days
Medical Benefits
Hospital room and board	Average semi-private room rate, including nursing services	Economy: Up to $1.4k/day, 30 day maximum Basic: Up to $2k/day, 30 day maximum Silver: Up to $2k/day, 30 day maximum Gold: Up to $2k/day, 30 day maximum Platinum: Up to $3k/day, 30 day max Diamond: $1.5k per day to a maximum of 30 days Diamond Plus: $1.5k per day to a maximum of 30 days
Intensive care unit	Up to the overall maximum limit	Economy: Additional $2.1k/ day, 10 day maximum Basic: Additional $2.5k/ day, 8 day maximum Silver: Additional $2.5k/ day, 8 day maximum Gold: Additional $3k/ day, 8 day maximum Platinum: Additional $4.5k/ day, 10 day maximum Diamond: $2.3k per day to a maximum of 8 days Diamond Plus: $2.3k per day to a maximum of 8 days
Hospital indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible	Not Available
Urgent Care Clinic	$30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay	Economy: Limited to $55 per visit, one visit per dayand 30 visits per Policy Period Basic: Limited to $75 per visit, one visit per day and 30 visits per Policy Period Silver: Limited to $75 per visit, one visit per day and 30 visits per Policy Period Gold: Limited to $100 per visit, one visit per day and 30 visits per Policy Period Platinum: Limited to $130 per visit, one visit per day and 30 visits per Policy Period Diamond: Limited to $75 per visit, one visit per day and 30 visits per Policy Period Diamond Plus: Limited to $75 per visit, one visit per day and 30 visits per Policy Period
Emergency Services
Emergency local ambulance	Covered	Economy: $500 per Inciden Basic: $650 per Incident Silver: $650 per Incident Gold: $650 per Incident Platinum: $750 per Incident Diamond: $650 per Incident Diamond Plus: $650 per Incident
Hospital emergency room	Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit	Economy: $350 per Incident Basic: $500 per Incident Silver: $500 per Incident Gold: $600 per Incident Platinum: $800 per Incident Diamond: $500 per Incident Diamond Plus: $500 per Incident
Dental
Emergency dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth	Economy: $600 per Inciden Basic: $750 per Incident Silver: $750 per Incident Gold: $750 per Incident Platinum: $750 per Incident Diamond: $750 per Incident Diamond Plus: $750 per Incident
Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions	Patriot America Lite: Not Covered Under 70 years of age,with varying limits by age up to $1M. $25k maximum limit for medical evacuation.	Economy: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k Basic: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k Silver: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k Gold: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k Platinum: Up to Policy Maximum Coverage related to Cardiac Conditions orStroke are limited to $25k Diamond: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15k Diamond Plus: For ages 70-79, up to $25k. For ages 80 and above, up to $15k /Coverage related to Cardiac Conditions or Stroke are limited to $15,00
Life
AD&D	$50k principal sum.	Economy: $5k Principal Sum Basic: $5k Principal Sum Silver: $7.5k Principal Sum Gold: $7.5k Principal Sum Platinum: $10k Principal Sum Diamond: $5k Principal Sum Diamond Plus: $5k Principal Sum
Common carrier AD&D	$25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible	Economy: $25k Principal Sum Basic: $25k Principal Sum Silver: $35k Principal Sum Gold: $35k Principal Sum Platinum: $35k Principal Sum Diamond: Not Available Diamond Plus: Not Available
Evacuation
Emergency medical evacuation	Up to the Maximum Limit	Economy: $100k per Policy Period Basic: $100k per Policy Period Silver: $100k per Policy Period Gold: Unlimited Platinum: Unlimited Diamond: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80 Diamond Plus: $50k per Policy Period and $25k/Lifetime Maximum for Acute Onset over age of 80
Emergency reunion	$100k maximum limit. Not subject to deductible	Not Available
Return of mortal remains or cremation/burial	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible	Economy: $7.5k per Policy Period Basic: $7.5k per Policy Period Silver: $10k per Policy Period Gold: $20k per Policy Period Platinum: $25k per Policy Period Diamond: $7.5k per Policy Period Diamond Plus: $7.5k per Policy Period
Return of minor children	$100k maximum limit. Not subject to deductible	Economy: $2.1k per day to a maximum of 10 days Basic: $2.5k per day to a maximum of 8 days Silver: $2.5k per day to a maximum of 8 days Gold: $2.5k per day to a maximum of 8 days Platinum: $4.5k per day to a maximum of 8 days Diamond: $2.3k per day to a maximum of 8 days Diamond Plus: $2.3k per day to a maximum of 8 days
Political evacuation and repatriation	$100k maximum limit. Not subject to deductible	Economy: $500 per Policy Period Basic: $500 per Policy Period Silver: $500 per Policy Period Gold: $500 per Policy Period Platinum: $500 per Policy Period Diamond: $500 per Policy Period Diamond Plus: $500 per Policy Period
Natural disaster evacuation	$25k maximum limit. Not subject to deductible (Must be approved in advance by the company)	Economy: $5k per Policy Period Basic: $5k per Policy Period Silver: $7.5k per Policy Period Gold: $7.5k per Policy Period Platinum: $10k per Policy Period Diamond: $5k per Policy Period Diamond Plus: $5k per Policy Period
Trip interruption	$10k maximum limit. Not subject to deductible	Not Available
Terrorism	$50k maximum limit. Not subject to deductible	Not Available
Unique Advantages	Optional coverage for adventure sports with purchase of the rider. It is a comprehensive benefit plan. Optional coverage for Enhanced AD&D rider. Plan can be renewed up to two years, if plan is purchased for a minimum of 1 month.	It is a fixed benefit plan. Acute onset of pre existing condition is covered up to 89 years. Good provider network. This elite plan has a $0 deductible.
Travel Insurance
Underwriter	Sirius International Insurance Corporation	Zurich Insurance Europe AG Belgian branch
Rating	"A" (Excellent)	"A" (Excellent
Brochure and Details	» Patriot America Insurance Brochure » Patriot America Insurance Details » Patriot America Insurance Reviews	» Safe Travels Elite Brochure » Safe Travels Elite Details » Safe Travels Elite Reviews

Patriot America Plus vs Safe Travels Elite Insurance Reviews

Travelling to the US without American visitor medical insurance can be very risky. Travelling involves uncertain situations and emergencies like sudden sickness or injuries due to accidents, trip delay, loss of passport and much more… by which you can get stranded with huge medical bills and financial losses. Many of you are aware of the high health care cost for visitors to US and the expenses arising from hospitalization can be traumatic. There are top rated insurance providers who offer a wide range of visitors insurance that is available online and it is important to choose the best travel health insurance for USA.

Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Patriot America Plus insurance and Safe travels elite insurance as they offer excellent coverage both for small ailments as well as more serious injuries and sickness. These travel insurance plans for USA are ideal for Older travelers and parents as they have good coverage for acute onset of pre-existing conditions. Patriot America Plus 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 Elite Insurance is administered by WorldTrips services with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries.

Factors to consider while comparing IMG and Trawick International insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Patriot America Plus vs Safe Travels Elite Insurance:

01. Compare medical maximum coverage

This the maximum coverage expense that the plan would offer for the medical expenses. Patriot America Plus offers maximum coverage up to 1 million, while while Safe Travels Elite offers coverage up to $175k. The coverage may vary for older travelers with reduced plan maximum.

02. Compare deductible options

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. All of these plans offer a set of deductible options for the travelers to choose from. Patriot America Plu insurance have a range of deductible option from $0 up to $250 while Safe Travels Elite insurance has $0 deductible option up to age 69 years and $100 and $200 are available for age up to 89 years.

03. Compare provider network

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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.

04. Compare coinsurance options

Patriot America Plus Visitor Insurance

In PPO network: The plan pays 100%
Out PPO network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit

Safe Travels Elite Visitor Insurance

Coinsurance is not available

05. Contrast the renewability options

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Plus Insurance can be renewed up to 2 years while Safe Travels Elite insurance can be extended for a minimum of 5 days to 364 days.

06. Compare eligibility options

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Plus Insurance US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force. Safe Travels Elite has some time restrictions in that it has to be bought within 30 days of arrival in the US.

07. Acute onset of Pre-existing conditions coverage:

Patriot America Plus pre-existing condition travel insurance

Covers up to 70 years

Safe Travels Elite pre-existing condition travel insurance

Covers up to 89 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's	Patriot America Plus	Safe Travels Elite
What is the Pre-Existing Condition definition?	Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age.	Benefits are payable for an Acute Onset of a Pre-Existing Condition up to the maximum as stated in the Schedule of Benefits provided the condition or event: 1. 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; 2. occurs a minimum of 48 hours after the Effective Date of the Policy 3. treatment is obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
What types of pre-conditions are covered?	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence	Acute Onset of Pre-Existing Condition Sudden and unexpected outbreak or recurrence
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions?	3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage.	No look back period
Do you need a medical report of the person with the pre-existing condition?	No	No
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?	This plan does not provide a separate document	This plan does not provide a separate document
What is pre-certification?	There is no pre-certification.	You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.
What is the maximum age for eligibility?	Covered up to age 70	Covered uo to age 79

FEATURES
Eligible Plan for USA Coverage
Parents Eligible to be insured
Acute on set of Pre-existing Cover
Renewable and Cancellable
Deductible Choice
A.M. Best Rating
Covid coverage
Underwriter
Provider
Buy now

Patriot America Plus
Yes
Yes
Yes, covers up to 70 years
Yes
$0 to $5k
"A" Excellent
Yes
Sirius
IMG
Buy Now

Safe Travels Elite
Yes
Yes
Covers up to 79 years
No
$0
“A (Excellent)”
Yes
Zurich Insurance
Trawick International
Buy Now

Key Highlights

Safe Travels Elite Insurance - Key Highlights

This plan is a comprehensive plan that provides worldwide coverage including or excluding the US.
Safe Travels Elite plan is available for Non US citizens coming to the US and worldwide.
This travel insurance plan is eligible for people from 14 days to 69 years of age to purchase.
This elite plan has a $0 deductible.
Visitors insurance plan is renewable up to 24 months and has a maximum lifetime of 364 days.
Travel health insurance plan covers Well Doctor visit for $75 per visit per policy period. The visit must occur within 21 days from the effective days of coverage and a minimum of 30 days of coverage need to be purchased to be eligible for this benefit.
Acute onset of pre existing condition is covered up to policy maximum up to the age of 69. For the age range of 70-79, $35k is the available coverage and $15k for age range of 80-89 per policy period subject to sub limits as mentioned( For cardiac related coverage, it is limited to $25k up to 69 years and $15k for 70 and above).
Safe Travels Elite plan provides coverage for COVID-19 which makes it the most sought plan during current times

Patriot America Lite travel Insurance - Key Highlights

Plan is available for both US citizens and Non US citizens living abroad visiting the US.
This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US.
Patriot America Lite offers coverage for adventure sports and other sports activities.
Plan co insurance factor: This plan pays 100% after the deductible for a claim expense, when the treatment is received within the PPO and for treatment received outside the PPO, the plan pays 80% of eligible expenses up to $5000 and then 100% up to the maximum limit.

Patriot America Plus travel Insurance - Key Highlights

This is comprehensive travel insurance by IMG and is similar to the Patriot America with the difference in the benefit that covers acute onset of pre-existing conditions up to the age of 70
The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
Plan is renewable for up to 2 years.
Plan is suitable for Green Card holders as long as they reside outside the US.

Patriot International Lite travel Insurance - Key Highlights

Patriot International Lite plan is a Comprehensive plan.
The US and its territories is excluded as a destination.
Travel insurance plan can be renewed for up to 2 years.
The policy maximum options available are $50k, $100k, $500k, and $1M.
The deductible options available are $0, $100, $250, $500, $1000, and $2500.
The IMG travel insurance plan maximum lifetime is 5 days to 12 months.
Emergency Medical Evacuation available for up to $1M.
Coinsurance is available 100% up to the maximum limit.
Acute onset of pre-existing condition coverage is available within the age of 70.
Covid19 coverage is available.
Incidental emergency coverage within the US is available for up to 2 weeks.
This Patriot International Lite plan is available for both US and Non-US citizens traveling outside the US.

Patriot Travel Insurance vs Safe Travels Elite Insurance - FAQs

Patriot Travel Insurance - FAQ's

What is acute onset of pre-existing condition?

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.

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Can I buy Patriot America Plus insurance after my arrival in the US?

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.

Does Patriot America Plus Insurance cover pre-existing conditions?

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

How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?

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

I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?

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.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
Safe Travels Elite Insurance - FAQ's
What are the different Trawick international insurance plans?
Trawick International provides numerous insurance options for all types of travelers, including tourists, students studying abroad, business people and corporates, families and groups of travelers . Some of the different Trawick International Insurance plans are:

Safe Travels USA Comprehensive

Safe Travels USA Cost Saver

Safe Travels Voyager

Safe Travels Journey

Safe Travels Elite

Safe Travels Outbound

Safe Travel International
What is the coverage area of Trawick international travel insurance?

Trawick international insurance is short term travel medical insurance designed for anyone, as long as they are outside their home country.

How much does Trawick international travel insurance cost?

The cost of the Trawick international insurance will vary depending on the age of the traveler, the type of coverage and the duration of travel. Typically, travel health insurance policies cost can start even as low as $1 per day, but will be much higher for older travelers and those seeking coverage for pre-existing conditions.

How do I purchase Trawick international travel medical Insurance?

You can purchase Trawick international insurance on American Visitor Insurance at buy Safe Travels Elite. you can also call them at (877)-340-7910 to get more information on how to apply for Trawick international travel health insurance from licensed insurance agents.

What are the requirements for purchasing Trawick international insurance?

The main requirements for applying for Trawick international insurance is the travelers passport details and the travel dates. You can apply for Trawick international insurance online on American Visitor Insurance or call (877)-340-7910 to get help while applying.
How do I cancel a Safe Travels Elite Insurance from Trawick International?
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.
What is the advantage of buying Safe Travels Elite?

Safe Travels Elite Insurance is an affordable Covid19 travel insurance. Safe Travels Elite Insurance Covid19 travel insurance by Trawick International for coronavirus will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

Who is eligible to enrol in the Safe Travels Elite travel insurance plan by Trawick international?

The Safe Travels Elite travel insurance plan by Trawick international is available for foreign residents visiting USA and worldwide and for travelers up to the age of 69 years

Is there a Cancel for any reason insurance cover with Trawick International travel insurance?

Cancel for any reason can be included at an additional cost with the Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans by Trawick International.

Is Trawick International insurance a legit company?

Trawick International insurance reviews indicate that for 24 years now, Trawick insurance has been offering high-quality and affordable travel insurance products to meet all categories of clients who travel outside of their home country. Trawick International reviews show that it has designed their products for those traveling to the USA, individuals traveling abroad, US Citizens traveling within the USA and non-US citizens traveling overseas but not visiting the USA.

Can I purchase travel insurance from Trawick International?

Trawick insurance is a leading travel insurance provider of USA and international travel insurance. Trawick insurance has been a reputed legitimate company for several years. Trawick International insurance is currently offering travel medical insurance worldwide.

What cover does Trawick International offer in Covid travel insurance? Does Trawick covid insurance have Quarantine coverage for US travelers?

Trawick International covid insurance is offered to cover coronavirus illness just like any other illness in their Safe Travels First Class Trip Protection and Safe Travels Voyager travel insurance plans. Trawick covid insurance coverage for quarantine related or accommodations due to a covered Trip Delay and an optional upgrade can also be included at an additional cost. The quarantine order should be based on the positive Covid-19 test report. Trawick international covid insurance quarantine coverage is not available in the home country.

Why should I buy travel insurance from Trawick International?

Trawick insurance offers worldwide coverage on medical insurance, travel insurance, trip insurance for trip cancellation or trip interruption, international student insurance, group travel insurance and several products aimed mainly for travelers to the USA, individuals traveling abroad, US Citizens for domestic travelers within the USA and non US citizens traveling overseas outside of their home country except USA.

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Patriot Insurance Plans

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

Safe Travel Elite Plan

Safe Travels Elite offers Scheduled Benefits accident and sickness medical coverage, is a fixed benefit , cheap US visitor medical insurance plan. The plan is available to foreign travelers coming to the US.

Patriot America Plus Insurance vs Safe Travels Elite Insurance

IMG vs Trawick International visitor insurance cost comparison

Patriot America Plus vs Safe Travels Elite Insurance Reviews

Factors to consider while comparing IMG and Trawick International insurance

01. Compare medical maximum coverage

02. Compare deductible options

03. Compare provider network

04. Compare coinsurance options

05. Contrast the renewability options

06. Compare eligibility options

07. Acute onset of Pre-existing conditions coverage:

Pre-existing conditions coverage comparision

Key Highlights

Safe Travels Elite Insurance - Key Highlights

Patriot America Lite travel Insurance - Key Highlights

Patriot America Plus travel Insurance - Key Highlights

Patriot International Lite travel Insurance - Key Highlights

Patriot Travel Insurance vs Safe Travels Elite Insurance - FAQs

Patriot Travel Insurance - FAQ's

Safe Travels Elite Insurance - FAQ's

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