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Safe Travels vs Patriot Travel vs Travel Medical 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 Plus vs Travel Medical Choice

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  Travel Medical  
Safe Travels USA Comprehensive
Plan Maximum
Deductible
Safe travel inusrance covers covid19 illness
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Patriot America Plus
Plan Maximum
Deductible
Pre-existing/Covid19
Patriot International covers Covid19
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Travel Medical Plus
Plan Maximum
Deductible
Travel Medical Plus insurance covers COVID19
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Insurance Providers TrawickIMG Seven Corners
Covid19 Coverage Covered
Not Covered
Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
 Not covered Travel Medical Plus Insurance covers usual, Reasonable, and Customary up to medical maximum or $100,000; whichever is less.
Coinsurance In-network: Plan pays 100%
Out-of-network: Plan pays 80% of eligible expenses up to $5,000, then 100%		 In-network: The plan pays 100%
Out-of-network: IMG pays 80% up to $5,000, then 100%.		 In-network: The plan pays 90% of the first $5,000,then 100% to the medical maximum.
Out-of-network: We pay 80% of the first $5,000,then 100% to the medical maximum.
Length of Coverage 5 days to maximum of 1 year, Renewable up to 2 years 5 days up to 12 months - renewable up to 24 months 5 days to 364 days
Renewability Yes : Up to 24 months Yes : Up to 24 months Yes : If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal. Yes : If you initially buy less than 364 days of coverage, you may buy additional time, from a minimum of 5 days to a total of 364 days. We will email you an extension (renewal) notice before your coverage expires, giving you the option to renew your plan. A $5 administrative fee is charged for each renewal.
Deductible Options $0, $100, $250, $500, $1,000, $2,500, $5,000 per certificate perio $0, $100, $250, $500, $1,000, $2,500 per insured person Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 79 years: $0; $250; $500; $1,000; $2,500; $5,000
Ages 80 years and older : $0; $500; $1,000; $2,500; $5,000 Ages 14 days to 64 years: $0; $100; $250; $500; $1,000; $2,500; $5,000
Ages 65 to 74 years: $0; $250; $500; $1,000; $2,500; $5,000
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services. Average semi-private room rate, including nursing services URC to medical maximum
Intensive care unit Three times the average semi private room rate Up to the overall maximum limit URC to medical maximum
Hospital indemnity $50 per night up to a maximum of $500 per Policy Period $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible
Urgent Care Clinic $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay URC to medical maximum $20 copay
 Emergency Services
Emergency local ambulance Covered Covered Up to $10,000
Hospital emergency room Outside the U.S: No co-payment.
Inside the U.S: Up to $200 co-payment for each use of emergency room for an illness unless you are admitted to the hospital. (no co-payment for emergency room treatment of an injury)		 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 		URC to medical maximum up to $100 copay
Emergency Medical Treatment of Pregnancy $1,000 per policy period Not Covered Not Covered
 Dental
Emergency dental treatment $250 per Policy Period $300 maximum limit due to accident or unexpected pain to sound natural teeth $250 maximum limit due to accident and $100 for sudden relief of pain
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions 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.
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
Worldwide Including the United States:
  • Ages 14 days to 64 years: $10,000
  • Ages 65 to 74 years :$5,000
Worldwide Excluding the United States:
  • Ages 14 days to 64 years: $50,000
  • Ages 65 to 74 years :$10,000
 Life
AD&D $25,000 $50,000 principal sum. primary Insured or Travel Companion $25,000 Principal Sum
Eligible Dependent Children $5,000 Principal Sum
Aggregate limit of $250,000 for total number of insureds on the plan
Common carrier AD&D Not Covered $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible Primary Insured or Travel Companion $50,000 Principal Sum
Eligible Dependent Children $10,000 Principal Sum
Aggregate limit of $250,000 for total number of insureds on the plan
 Evacuation
Emergency medical evacuation 100% up to $2,000,000 Up to the Maximum Limit Up to $500,000
Emergency reunion $15,000 $100,000 maximum limit. Not subject to deductible $200 per day, 10-day limit $100,000 maximum
Return of mortal remains or cremation/burial 100% up to $50,000 Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible Up to $50,000
Return of minor children $5,000 $100,000 maximum limit. Not subject to deductible $50,000 maximum limit. Not subject to deductible
Political evacuation and repatriation Up to $100,000 lifetime maximum (not subject to deductible or coinsurance). $100,000 maximum limit. Not subject to deductible $10,000
Natural disaster evacuation $25,000 $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) $50,000 maximum limit. Not subject to deductible
Trip interruption $5,000 (Per Policy Period does not cover lost trip cost $10,000 maximum limit. Not subject to deductible $5,000 maximum limit. Not subject to deductible
Unique Advantages
Safe travels Insurance 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.
  • 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.
Travel Medical Plus Insurance Advantages:
  • Comprehensive visitors insurance.
  • Travel Medical 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.
Travel Medical Choice Insurance Advantages:
  • Comprehensive visitors insurance.
  • Travel Medical 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.
 Travel Insurance
US Network of hospitals and doctors » US PPO Network » US PPO Network » US PPO Network
Underwriter Underwritten by Lloyds, London. Underwritten by Sirius International Insurance Corporation Underwritten by Crum and Froster SPC
Rating AM Best Rating: “A+” AM Best Rating: "A" (Excellent) AM Best Rating: "A" (Excellent
Brochure and Details

Safe travels USA Comprehensive vs Patriot America Plus vs Travel Medical 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 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. Travel Medical 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.

Factors to consider while comparing Trawick vs IMG vs Seven Corners

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Safe Travels USA insurance, Patriot America Lite insurance and Travel Medical 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 Lite insurance offers travel medical coverage up to 1 million. Travel Medical 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 Lite Insurance and Atlas America Insurance offer coverage of $10,000 and Travel Medical 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 Lite insurance both offer a set of deductible options for the travelers to choose from. Patriot America Lite insurance has deductible options from $0 up to $2,500 while Safe Travels USA Comprehensive insurance and Travel Medical 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 Lite 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. Travel Medical 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 Lite Insurance can be renewed up to 2 years. Travel Medical 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 Lite 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. Travel Medical Choice Insurance offers acute onset of pre-existing conditions up to 79 years.
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Safe Travels vs Patriot America Plus vs Travel Medical insurance USA - FAQs

  • 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
  • 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.

  • Is Seven Corners a real insurance company? Is Seven Corners Legit? Is Seven Corners a good insurance company?

    Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Travel Medical insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US. It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.

    Does Travel Medical Plus plan cover COVID-19?

    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.

    What is the eligibility to buy Travel Medical Plus Insurance?

    Individuals and families including unmarried dependent children traveling outside of their Home Country.

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