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
Covers covid19 illness
Patriot America Plus
Plan Maximum
Deductible
Pre - existing / COVID19
Liaison Travel Plus
Plan Maximum
Deductible
COVID19 Coverage
Trawick IMG Seven Corners
Brochure & Details links
Covid coverage
Safe travels USA Comprehensive visitors insurance offers US Travel insurance for Covid illness Not Available Patriot America Plus Insurance Coveres up to policy maximum (contracted and treatment is provided after the policy effective date). Liaison Travel Plus Insurance covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less. Not Available
Underwriter
Safe Travels USA Comprehensive Underwriter
Underwritten by Crum and Froster SPC
Patriot America Insurance Underwriter
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
Safe Travels USA Comprehensive Rating
AM Best Rating: “A+”
Patriot America 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)
Eligibility
Safe travels USA Comprehensive:
  • Foreign residents visiting USA and worldwide
  • Travelers up to the age of 89 years
Patriot America Insurance:
People travelling outside their home country whose destination includes the US and its territories.

Patriot America Plus:
  • Non US citizens travelling to the USA.
  • US citizens living outside USA who want to visit US.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.
Liaison Travel Plus Insurance
Individuals and families including unmarried dependent children traveling outside of their Home Country.
Liaison Travel Choice Insurance
Individuals and families including unmarried dependent child(ren) traveling outside of their Home Country.
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, $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
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 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 :
Worldwide Including the United States: Age 14 days to 64: $10,000
Ages 65-74:$5,000
Worldwide Excluding the United States: Age 14 days to 64: $50,000
Ages 65-74: $10,000
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 Minimum: 5 days
Maximum: 364 days
Minimum: 5 days
Maximum: 364 days
Renewability
Yes up to 2 years Yes up to 2 years if initial purchase is 1 month Yes up to 364 daysYes up to 364 days
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 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.
  • Patriot America Plus: Available for green card holders as long as their primary residence is outside the US.
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.
US Network of hospitals and doctors
US PPO Network US PPO Network US PPO Network
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.

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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:
  • Plan Maximum coverage:
    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.
  • 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. 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.
  • 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. 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.
  • Renewability of US Travel health Insurance
    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.
  • Eligibility for US visitors insurance
    All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period.
  • 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 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 other popular short term visitors medical insurance plans

 Patriot America vs Liaison Choice     Patriot America vs Safe travels USA

Safe travels USA vs Patriot America vs Liaison Travel insurance USA - FAQs

  • Safe Travels USA Comprehensive
  • Patriot America Plus
  • Liaison Travel Plus

Trawick International offers coverage for Covid19 illness. The Safe Travels USA Comprehensive travel insurance covers Covid19 for coronavirus and will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2. The eligible medical expenses are medically necessary expenses that are not subject to another plan exclusion.

Trawick international is a US based full service travel insurance provider specializing in travel related coverage for tourists, students, scholars, businesses, groups, and all other global travelers. Trawick International travel Insurance offers short term visitor travel insurance for international travelers. Trawick international health insurance coverage includes travel medical coverage for tourists, students, scholars, businesses and groups. Trawick International insurance provides Travel Insurance, Trip cancellation and Student Travel Medical Insurance. Trawick International has designed the programs for those traveling to the USA, individuals traveling abroad, US Citizens who are traveling in the USA and non US citizens traveling from their home country but not visiting the USA.

Safe Travels USA Insurance is an affordable Covid19 travel insurance. Safe Travels USA Comprehensive by Trawick International is ideal for visitors to the USA looking for cheap travel health insurance including coverage for COVID-19/SARS-CoV-2.

The Safe Travels USA Comprehensive travel insurance plan by Trawick international is available for Non US Citizens and US residents who are traveling to the United States or anywhere outside their home country. Safe Travels USA is not available for US citizens and US permanent residents (Green card holders).

If the traveller cancels the Safe Travels USA Comprehensive plan before the start of the plan, a full refund is available. If the cancellation request is after the start of the policy, then a prorated refund is available with a $25 cancellation fee contingent on not having any claim filed on this policy.

Yes, the Safe Travels USA Comprehensive plan can be renewed if initially purchased for more than Five days. There is an $5 fee for renewing the Trawick International Safe Travels USA Comprehensive plan

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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