Examine the similarities and differences between the advantages provided by the Patriot America Plus and the Safe Travels USA Comprehensive Insurance plans.

This article will help you understand Patriot America Plus vs Safe Travels USA Comprehensive Plans and understand which plan better suits your travel insurance needs, for visiting the USA.

These visitor insurance plans are designed to provide medical coverage and trip insurance elements built in to provide you with comprehensive coverage.

Consider both the cost and the benefits of each travel medical insurance plan in order to choose the one that best suits your requirements.

Key highlights: Patriot America Plus VS Safe Travels USA Comprehensive Plans

About Patriot America Plus Comprehensive Travel Insurance

Meets the insurance needs of non-U.S. residents who require comprehensive coverage for temporary medical insurance needs while visiting the United States for business or pleasure.

Individuals, families, business travelers, and groups of five or more travelers can access the plan’s comprehensive worldwide benefits 24 hours a day, seven days a week.

The plan is offered for a minimum of five days and a maximum of two years, with a wide range of plan maximum limits and deductible options. The plan is designed to cover your unforeseen medical expense.

In addition, the plan provides exceptional perks and services to fulfill your international travel requirements. You will have access to international, multilingual customer support centers, claims administrators who handle claims in practically every language and currency, and highly qualified coordinators of emergency medical services and international treatment available 24 hours a day, 7 days a week.

This is a highly popular visitors insurance for parents visiting USA. The plan extends coverage right from the time your parents leave the home country if the policy date is effective.

About Safe Travels USA Comprehensive Travel Insurance

Safe Travels USA Comprehensive plan provides accident and illness medical coverage with Acute Onset of Medical Conditions to non-US residents who reside outside of the United States and are traveling outside their home country while visiting the United States or traveling to the United States and Worldwide. Covered en route to the U.S., while in the U.S., and in countries en route to the U.S. or on the return journey, in addition to countries on the itinerary.

Initial coverage can be obtained for a minimum of five (5) days and a maximum of 364 days. Coverage may be extended for up to 364 days at the prices in effect at the time of extension if a minimum of 5 days is purchased. This plan covers both insurance and other perks.

Covid 19 Coverage

Patriot America travel insurance offers Covid-19 coverage as any other illness or injury and meets the policy terms for an illness (illness occurred after the policy effective date). If covid-19 was acquired before the policy effective date then the plan will not provide covid coverage.

Safe Travels USA Comprehensive insurance offers coverage for Covid-19 expenses and treatment as any other illness/sickness.

So as far as Covid-19 is concerned the insured person is covered by both travel medical insurance plans during the policy period.

Patriot America Plus Vs Safe Travels USA: What to Consider?

When comparing Patriot America Plus with Safe Travels USA Comprehensive coverage plans, to purchase visitors’ insurance one should consider the following:

Policy Maximum:

Policy maximum coverage comparison of these comprehensive coverage plans:

• Patriot America Plus Policy Maximum Limit: $ 1 million
• Safe Travels USA Policy Maximum Limit: $ 1 million

The plan’s maximum medical coverage for both plans is $ 1 million.

Patriot America Plus offers 4 options on policy maximum:

• Option 1. Policy Maximum of $50,000
• Option 2: Policy Maximum of $100,000
• Option 3: Policy Maximum of $500,000
• Option 4: Policy Maximum of $1,000,000

The policy maximum for Senior travelers is much less.

• Insurance policy maximum:
  • Age 70 to 79 $50,000
  • Age 80+ $10,000

Safe Travels USA comprehensive insurance offers 5 options on a policy maximum

• Option 1. Policy Maximum of $50,000
• Option 2: Policy Maximum of $100,000
• Option 3: Policy Maximum of $250,000
• Option 3: Policy Maximum of $500,000
• Option 4: Policy Maximum of $1,000,000

The policy maximum for Senior travelers is much less.

• Insurance policy maximum:
  • Age 80 to 89: $50,000
  • Age 65 to 79: $50,000, $100,000

When you purchase travel insurance the cost of the premium increase if you select the higher Policy Maximum option. Higher Policy Maximum means more risk elements of the insurance policy for the insurer, they will have to pay out claims of higher amounts. International travelers visiting the USA need to keep in mind that medical expenses in the USA are very expensive and hence advisable to opt for a higher policy maximum even if it increases policy cost. Domestic health insurance from your home country will most likely not extend coverage while overseas.

Deductibles:

Patriot America Plus and Safe Travels USA visitor health insurance deductibles:

Before the insurer pays, the insured must pay the deductible amount. High-deductible plans cost less.

Safe Travels USA Comprehensive and Patriot America Plus provide travelers’ deductible options.

• Patriot America Plus has deductibles from $0 to $2,500
• Safe Travels USA Comprehensive has deductibles from $0 to $5,000.

Network/PPO Network

Patriot America Plus and Safe Travels USA travel medical insurance networks.

Insurance firms use PPO networks or healthcare networks to lower healthcare costs. If the insured is admitted to a provider network hospital or health care center, the insurance will cover higher qualified charges since the prices are lower at contracted rates. If an out-of-network medical facility is used then the insurance pays lower amounts.

Coinsurance

Patriot America Plus vs. Safe Travels USA travel insurance coinsurance:

Travelers pay this percentage of their bill. Patriot America Plus Insurance and Safe Travels USA Comprehensive pay 80% out of network up to $5,000, then 100%, and 100% within the network.

Plan Renewable?

Patriot America Plus vs. Safe Travels USA travel health insurance renewability:

Travel plans sometimes change, requiring US visitors to stay longer.

Patriot America Plus Insurance can be extended up to 24 continuous months.

Safe Travels USA Comprehensive Insurance is renewable up to a maximum of 364 days.

Travel Insurance Eligibility?

Compare Patriot America Plus with Safe Travels USA visitor travel insurance eligibility:

Both of these US visitor insurance policies cover short-term foreign visitors’ medical needs. These include eligible medical expenses, doctor’s visits, urgent care clinics,s, etc. The policy document defines the limits for medical treatments and other benefits.

Pre-Existing Conditions

These plans extend acute onset of pre-existing condition coverage.

This is an important element to note if you have parents visiting USA and you are looking for travel insurance with pre-existing conditions coverage then these plans won’t meet your requirement. Most travel medical insurance plans are not designed to cover a pre-existing condition but only to cover emergency medical expenses when abroad.

Patriot America Plus Insurance covers Acute Onset of Pre-Existing Conditions under 70 years of age, up to the maximum limit. $25,000 maximum limit for medical evacuation

Safe Travels USA Comprehensive covers Acute a Pre-Existing Condition, The maximum is up to the Medical Policy Maximum purchased per Period of Coverage for ages up to 69, except for heart disease or cardiac problems, which are limited to $25,000 for ages 69–70 and $15,000 for 70+. Acute Onset benefits will decrease to $35,000 at age 70, with a $25,000 lifetime limit for Emergency Medical Evacuation.

Emergency Medical Evacuation

Emergency Medical Evacuation can be critical when someone needs medical treatment not available anywhere nearby or needs to be transported to a special facial for treatment of an injury/sickness that is life-threatening.

Patriot America Plus: Emergency Medical Evacuation must be approved in advance and coordinated by the company, the limit is up to $1,000,000

Safe Travels USA Comprehensive insurance: 100% up to $2,000,000 per Policy Period

Please refer to the policy document of the respective policies for political evacuation, natural disaster evacuation, emergency reunion, and ‘repatriation of remains’ related limits.

Travel Insurance Costs?

Both plans are very competitively prices:

Frequently Asked Questions FAQs

Patriot America Plus Vs Safe Travels USA Comprehensive Insurance

Is IMG a reputable travel insurance provider?

International Medical Group (IMG) specializes in International Travel Insurance plans and is highly reputed, read more about is IMG Travel Insurance worth it.

Since 1990, the International Medical Group (IMG) has offered travel insurance packages. IMG is headquartered in Indianapolis in the state of Indiana in the USA and employs more than 300 employees. They cater to the travel insurance needs of individuals, groups, and business travelers.

IMG provides travel insurance products to international tourists visiting the USA and domestic travelers. Their products are suitable for tourists on a B1 visa, international students on an F1 visa, exchange scholars on a J visa, professionals on an H1B visa, Green Card holders, and US Residents and US Citizens.

Is Patriot America Plus a good travel insurance plan for my parents visiting USA?

Yes, this is a highly popular and one of the top-selling plans for parents visiting the USA. We have done a detailed review of the Patriot America Plan.

If your parents need emergency medical treatment in the USA it’s good to have medical expenses covered through travel insurance.

Are Pre-Existing Conditions covered by Patriot America Plus Travel Insurance?

Yes, it provides acute onset of pre-existing condition coverage. This plan provides comprehensive coverage for the acute onset of pre-existing conditions up to age 70.

The limits are: Under 70 years of age, up to the policy maximum limit. $25,000 maximum limit for medical evacuation

Is Trawick international a respectable insurance provider?

Trawick International was founded in 1998 and specialized in student insurance. Today Trawick International provides Travel Insurance to customers from around the world. their products include International Travel Insurance, Trip cancellation/interruption, and student insurance plans. You can read our Review of Trawick International.

Is Safe Travels’ USA comprehensive a good option for visiting the USA?

Yes, Safe Travels USA Comprehensive insurance is a good option for non-US citizens or residents traveling outside their home country and visiting USA.

It is one of the highly popular visitors insurance options, we covered the plan in detail you can read our review of Safe Travels Insurance.

Can I purchase visitors insurance if my parents have already arrived in the USA?

Yes, you can purchase visitors insurance if your parents did not buy insurance from their home country and have already arrived in the USA.

Travel Insurance companies based in the USA will be able to provide you with many options for visitors insurance. You can also generate a no-obligation quote for your parents’ visitors’ insurance needs. You can also make an instant purchase online.

If I buy any of these 2 plans, will all the medical expenses be reimbursed?

Travel Insurance only covers eligible medical expenses from the policy’s effective date. The policy document would be the best resource to see a detailed explanation of the condition that is covered and for how much.

It is always advisable when possible to contact the insurance company before undertaking expenses especially large medical expenses, this will help at the time of claims filing to be reimbursed without hassles.

What other option do I have in comprehensive coverage plans?

Read our detailed comparison of Atlas America VS Patriot America comprehensive coverage plans.

Conclusion

We hope that this article helped with information on these Comprehensive plans, both plans are good and very popular for visitors’ insurance needs. Evaluate your insurance needs and if you need help shortlisting a plan feel free to call OnshoreKare at +1 855 652 5565 or email info@onshorekare.com.

Travel Safe!