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Patriot America Plus vs Safe travels USA Comprehensive Insurance

Compare benefits offered by Patriot America Plus Insurance and Safe travels USA Comprehensive travel Insurance plans. These two 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 plan for your needs.

How much does visitor health insurance USA cost?

IMG vs Trawick International visitor insurance cost comparison

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Patriot Travel
versus
 Safe Travels
Patriot America Plus
Plan Maximum
Deductible
COVID19/Pre-existing Coverage
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Safe Travels USA Comprehensive
Plan Maximum
Deductible
Covers Covid19 illness
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Insurance Providers
Covid19 Coverage Covered Covered
Coinsurance
In Network - The plan pays 100%
Out of Network - The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit.
In Network: Plan pays 100%
Out of Network: Plan pays 80% of eligible expenses up to $5K, then 100%
Length of Coverage 5 days to 365 days Minimum : 5 days
Maximum : 364 days
Renewability Yes : Up to 364 days Yes : 5 days to 364 days
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services.
The average semi private room rate.
Intensive care unit
Up to the overall maximum limit.
Up to the overall maximum limit
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible Not Available
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
$30 - If the $0 Deductible is chosen, there is no Co-Pay
 Emergency Services
Emergency local ambulance Up to the maximum limit.
Covered
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
Usual customary charge to the selected policy maximum
 Dental
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth
$250 per Policy Period
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions Up to the maximum limit.(Insured person must be under 70 years of age)
Included Limit of $25K Maximum per Policy Period for any condition covered
 Life
AD&D $50K principal sum. Not subject to deductible
$5K Principal Sum
Common carrier AD&D $25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductible Not Covered
 Evacuation
Emergency medical evacuation Up to the maximum limit. Not subject to deductible
100% Up to $2M
Emergency reunion Up to $100K maximum limit (not subject to deductible or coinsurance) Up to $15K
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 Up to $5K per Policy Period
Return of minor children $100K maximum limit. Not subject to deductible Up to $5K
Political evacuation and repatriation Up to $100K lifetime maximum (not subject to deductible or coinsurance). Up to $25K
Natural disaster evacuation $25K maximum limit. Not subject to deductible (Must be approved in advance by the company) Up to $10K
Trip interruption Covered $5K (Per Policy Period does not cover lost trip cost)
Terrorism $50K maximum limit. Not subject to deductible Not Available
Unique Advantages
  • US expats looking to visit the US can buy Patriot travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
  • Visitors insurance is available from a minimum of 5 days up to a maximum of 1 year and is renewable.
  • Coverage for acute onset of pre-existing conditions is included and a coverage of $25K is available for any covered condition.
 Travel Insurance
Rating “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s AM Best Rating: A++ (Superior) Standard & Poor's Rating: AA-
Underwriter Sirius International Insurance Corporation Crum & Forster SPC
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Compare Patriot America Plus vs Safe Travels Insurance

International tourists visiting USA must be aware of the rising health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA.Here the visitor can compare US visitor insurance cost of Patriot America Plus insurance and Safe Travels USA Comprehensive insurance plans by reviewing their unique Visitors medical insurance benefits.

Patriot America Plus 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. Safe Travels US Comprehensive is offered by Trawick International and has an AM Best Rating of “A+”.

Factors for comparing IMG vs Trawick International travel insurance

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

Compare medical maximum coverage:

This the maximum coverage expense that the plan would offer for the medical expenses. Safe Travel USA Comprehensive offers maximum coverage up to 1 million, while Patriot America Plus offers coverage up to 2 million. The coverage may vary for older travelers with reduced plan maximum.

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 Plus insurance have a range of deductible option from $0 up to $2500 and Safe Travels USA Comprehensive insurance have a range of deductible option from $0 up to $5K.

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.

Compare coinsurance options:

This is a percentage of the bill that the travel has to pay. Patriot America plus and Safe Travels USA Comprehensive In Network: Plan pays 100% Out of Network: Plan pays 80% of eligible expenses up to $5K, then 100%.

Contrast the renewability options:

Sometime 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 extended for a minimum of 5 days to 364 days. Patriot America plus can be renewed for upto to 24 months.

Compare eligibility options:

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Safe Travels USA Comprehensive For non U.S. residents and non U.S. citizens, traveling to the USA or USA and then other countries. Patriot America Plus as 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.

Acute onset of Pre-existing conditions coverage:

Safe Travels USA Comprehensive insurance Limit of $25K Maximum per Policy Period for any condition covered. While Patriot America plus Up to the maximum limit.(Insured person must be under 70 years of age)

Average cost of the plans:

Safe Travels USA Comprehensive and Patriot America Plus Insurance

  • 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 $2500
  • "A" Excellent
  • Yes
  • Sirius International Insurance Corporation
  • IMG
  • Buy Now
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Patriot America Plus vs Safe Travels USA Comprehensive Insurance - FAQs

  • 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.
    Does Patriot America Plus insurance cover Covid ? Does Patriot America Plus insurance cover Coronavirus?
    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.
    Can I buy Patriot America Plus insurance after my arrival in the US?
    Yes, the Patriot America Plus 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 does Patriot America Plus insurance offer coverage for medical expenses?
    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 $5K, then 100% up to the maximum limit.
    For detailed working example of how it works, you can review Patriot America Plus insurance working example.
    Can US citizens buy Patriot America Plus insurance??
    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.
    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 travel insurance cover Covid?
    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
    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.
  • Does Trawick International Safe Travels USA Comprehensive cover covid? Does Safe Travels USA Comprehensive Insurance cover coronavirus?
    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.
    Is Trawick international a good insurance company?
    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.
    What is the advantage of buying Safe travels USA Comprehensive plan?
    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.
    Who is eligible to enrol in the Safe Travels USA Comprehensive travel insurance plan by Trawick international ?
    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).
    Can a traveler extend or renew the Trawick international Safe Travels USA Comprehensive plan?
    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

Compare Travel health insurance USA

IMG Patriot America Plus travel insurance

We also offer IMG Patriot America Plus international travel insurance plans and can compare and buy online. Click here to read more »

Trawick Safe Travels USA plans

Compare Trawick international visitor insurance of Safe travels USA plans for different covered medical expenses...Click here to read more »

IMG Patriot Travel medical insurance

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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.

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Safe Travel insurance plans

Safe Travels USA Comprehensive offers excellent medical coverage. This includes coverage for acute onset of pre-existing conditions, emergency medical evacuation, repatriation and security evacuation benefits.

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US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers


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