Patriot America plus vs Safe Travels Elite Insurance

Compare travel insurance benefits offered by Patriot America plus, Safe Travels Elite Insurance plans. These US visitor insurance Safe Travels Elite is fixed benefit visitor insurance and Patriot America plus is a comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions and Covid19 illness. Compare price and benefits to find the best US travel medical insurance 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
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  Safe Travels Elite  
Patriot America Plus
Plan Maximum
Deductible
Covid19/Pre-existing
Covers covid19 illness
Safe Travels Elite
Plan Maximum
Deductible
Covers covid19 illness
Insurance Providers IMG
Covid19 Coverage Not Covered Covered
Coinsurance In-network: The plan pays 100%
Out-of-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 Underwritten by Sirius International Insurance Corporation Underwritten by Crum & Forster, SPC
Rating AM Best Rating: "A" (Excellent) AM Best Rating: "A" (Excellent
Brochure and Details

Compare Patriot America Plus vs Safe Travels Elite Insurance

Best ways to travel abroad

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 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 Patriot America Plus vs Safe Travels Elite Insurance:

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.

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..

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 Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5k, then 100% and it pays 100% within provider network.

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.

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.

Acute onset of Pre-existing conditions coverage:

Safe Travels Elite Insurance offers coverage up to the age of 89 years for acute onset of pre-existing conditions. Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.

Average cost of the plans:

Patriot America Plus Insurance, Safe Travels Elite Insurance Compare Patriot America Plus vs Safe Travels Elite 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
  • Safe Travels Elite
  • Yes
  • Yes
  • Yes, covers up to 89 years
  • Yes
  • $0
  • "A" Excellent
  • Yes
  • Crum & Forster SPC
  • Trawick International
  • Buy Now
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Patriot America Plus vs Safe Travels Elite - FAQs

  • Patriot America Plus Insurance - FAQ's

    img logo
    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 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 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.

  • 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.


    Does Trawick International Safe Travels Elite Insurance cover covid? Does Safe Travels Elite Insurance cover coronavirus

    Trawick International offers coverage for Covid19 illness. The Safe Travels Elite 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.


    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 Trawick International a good insurance company? Is Trawick International a reliable insurance company

    Trawick International insurance is one of the most renowned US travel insurance company that was established in 1998. Trawick international offers a variety of International travel insurance, trip cancellation, Trip interruption and student insurance plans. Trawick insurance has been awarded with the highest honors from Forbes Advisor to be ranked first to be the Best Travel Insurance Companies. Trawick international insurance offers plans to meet diverse requirements with a premium to meet any budget.

    The travel insurance covers offered by Trawick International are perfect for employees, corporations, schools, frequent world travelers, international students, study abroad programs, missionary trips and vacationers. Travelers can customize Trawick insurance plans to cover hospital stays, doctor visits, x-rays, prescriptions, ambulance, emergency evacuation, repatriation, flight insurance, trip interruption, trip cancellation, trip delay and lost baggage. They have a good worldwide network of physicians, hospitals and pharmacies that are very well recognized.


    Is there coverage for Covid-19 illness in Trawick International travel insurance?

    Yes, Trawick international covid insurance is offered as short term comprehensive travel health insurance for covid as any other illness to international visitors to the USA and for US citizens traveling outside of the US borders. The Trawick Covid insurance coverage is given irrespective of the variant contracted.


    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.


    Safe Travels insurance covid - Covid19 visitor insurance by Safe Travels Elite insurance

    “Including medically necessary treatment for COVID-19, SARS-CoV-2, and any mutation or variation of SARS-CoV”

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

Compare Patriot travel health insurance plans benefits and review coverage for travelers outside their home country or visiting USA. Click here to read more »

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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 insurance plans

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.


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