Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice Comparision

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


Safe travels USA Comprehensive vs Patriot America vs Liaison Choice

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Safe Travels USA Comprehensive
Plan Maximum
Deductible
Patriot America Plus
Plan Maximum
Deductible
Pre-Existing
Liaison Choice
Plan Maximum
Deductible
Trawick IMG Seven Corners
brochure  Brochure & Details links
» Safe Travels USA Comprehensive Brochure
» Safe Travels USA Comprehensive Details
» Safe Travels USA Comprehensive Reviews
» Patriot America Insurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
» Liaison Travel Choice Insurance Brochure
» Liaison Travel Choice Insurance Details
» Liaison Travel Choice Insurance Reviews
file  Underwriter
Safe Travels USA Comprehensive Underwriter
GBG Insurance Limited
Patriot America Insurance Underwriter
Sirius International Insurance Corporation
Liaison Travel Choice Insurance Underwriter
Certain Underwriters at Lloyd's of London
file  Rating
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Liaison Travel Choice Insurance Rating
AM Best Rating: "A" (Excellent)
planmaximum  Plan maximum
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
Worldwide including US (Patriot America)
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 (Patriot International)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Patriot America Plus
Age 14 days to 69: $50,000, $100,000, $500,000
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
coinsurance 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
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
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%.
Pre-existing  Pre - existing Conditions 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 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
Patriot America: Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Patriot America Plus
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Acute onset of pre-existing conditions coverage for age 0 to 69 years is up to $30,000 and 70 years and above is $5,000
coverage  Length of Coverage
Plan can be purchased for a minimum of 5 days up to a maximum of 1 year 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 364 days
renewal  Renewability
Yes up to 2 years Yes up to 2 years if initial purchase is 1 month Yes up to 364 days
Pre-existing  Definition of Acute onset of Pre-existing Condition
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. 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.
unique  Unique Advantages
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
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 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 US PPO Network
hostpital International Network of hospitals and doctors
- International PPO Network International PPO Network

Compare Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice

Foreign travelers visiting USA must be aware of the expensive health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without international travel health insurance. Many insurance providers offer different travel medical insurance for international travelers to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA. Safe Travels USA is offered by Trawick International and has an AM Best Rating of “A+”. 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. 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 19 years.

What are the factors to consider while comparing Safe Travels USA insurance, Patriot America insurance and Liaison Travel Choice insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Safe Travels USA insurance, Patriot America insurance and Liaison Travel Choice insurance:
  • Compare visitor medical insurance maximum coverage between Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice:
    This the maximum coverage that the plan would offer for the medical expenses. Safe Travels USA Comprehensive insurance and Patriot America insurance offers travel medical coverage up to 1 million. Liaison Travel Choice insurance offers coverage up to $5 million. The coverage may vary for older travelers with reduced plan maximum, For travelers above 80 years Patriot America Insurance and Atlas America Insurance offer coverage of $10,000 and Liaison Travel Choice Insurance offer coverage of $15,000.
  • Compare visitors health insurance deductible options between Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice:
    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 and Liaison Travel Choice Insurance have a range of deductible option from $0 up to $5,000.
  • Compare travel medical insurance provider network for Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice:
    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 Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice:
    This is a percentage of the bill that the travel has to pay. Safe Travels USA Comprehensive insurance and Patriot America Insurance 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. 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 Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice:
    Sometimes the travel plans may change and a US visitor may be required to extend their period of stay. Safe Travels USA Comprehensive Insurance can be renewed for 1 year. Patriot America Insurance can be renewed up to 2 years. Liaison Travel Choice Insurance can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice:
    All 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 Safe travels USA Comprehensive vs Patriot America Plus vs Liaison Choice:
    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. 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
 Patriot America vs Liaison Choice     Patriot America vs Safe travels USA

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