Patriot America Plus vs. SafeVista Comprehensive: Key Differences
Here is a detailed comparison between Patriot America Plus vs. SafeVista Comprehensive, helping you make an informed decision on which plan best suits your travel insurance needs.
When it comes to protecting your health during international travel, especially for parents visiting the USA, choosing the right travel medical insurance plan is essential. Two of the top-rated options available today are Patriot America Plus and SafeVista Comprehensive.
In this guide, we’ll compare these visitor insurance plans side by side to help you make an informed decision that balances medical coverage, pre-existing condition coverage, and emergency medical services.
Both Patriot America Plus and Safe Travels USA Comprehensive offer varying levels of coverage, but the key to choosing the right plan lies in identifying which one suits your specific needs.
Here’s a detailed comparison that breaks down the essential features of both plans, highlighting the differences in coverage, eligibility, and additional benefits:
Why Compare Patriot America Plus And SafeVista Comprehensive?
Both these plans are classified under USA comprehensive insurance plans offering comprehensive coverage for non-US citizens visiting the United States. They are among the best travel medical insurance options for those seeking protection from medical emergencies, emergency medical evacuation, and even the acute onset of pre-existing conditions.
Choosing the right plan helps reduce healthcare costs abroad, especially with the high medical costs in the United States. This article breaks down these two visitor medical insurance plans across key categories, including policy maximum, eligible medical expenses, and claims process.
Patriot America Plus vs. SafeVista Comprehensive Eligibility And Coverage Limit
Eligibility criteria differ for these two plans, particularly when considering age groups. IMG Patriot America Plus offers flexibility, covering travelers as young as 14 days and as old as 99 years.
However, INF SafeVista Comprehensive provides specific coverage depending on age groups, with one plan for those aged 0-69 and another for those aged 70-99. The coverage limits for both plans vary, so understanding these nuances can help in deciding which one best fits your needs.
Patriot America Plus vs. SafeVista Comprehensive Comparison: Key Benefits And Coverage Amounts
Here’s a comprehensive table comparing the Patriot America Plus and SafeVista Comprehensive plans across various important aspects:
| Feature | Patriot America Plus | SafeVista Comprehensive (0-69) | SafeVista Comprehensive (70-99) |
| Eligibility | Ages 14 days to 99 years, dependents covered | Non-US residents, ages 0-69, dependents covered | Non-US residents, ages 70-99, dependents covered |
| Maximum Benefit Limit | $50,000 to $1,000,000 (depending on selected option) | $50,000 to $1,000,000 (depending on selected option) | $50,000 to $100,000 (depending on selected option) |
| Pre-existing Conditions Coverage | Covers acute onset of pre-existing conditions | Covers acute onset of pre-existing conditions | Covers acute onset of pre-existing conditions |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500 | $0, $100, $250, $500, $1,000, $2,500, $5,000 | $100, $250, $500, $1,000, $2,500, $5,000 |
| Co-insurance | 100% in-network, 80% out-of-network | 100% in-network, 80% out-of-network | 100% in-network, 80% out-of-network |
| Acute Onset of Pre-existing Conditions | Covered up to the maximum benefit | Covered up to the maximum benefit | Covered up to the maximum benefit |
| Emergency Medical Evacuation | Up to $1,000,000 | Up to $25,000 | Up to $25,000 |
| Repatriation of Mortal Remains | Up to the policy period limit | Up to $10,000 | Up to $10,000 |
| Trip Interruption | Up to $100,000 | Up to $1,000 | Up to $1,000 |
| Urgent Care Visit Co-pay | $25 in-network, $50 out-of-network | $25 in-network, $50 out-of-network | $25 in-network, $50 out-of-network |
| Urgent Care / Doctor Visits | $25 (in-network), $50 (out-of-network) | Same | Same |
| Policy Period | 5 days to 12 months, extendable up to 24 months | Up to 364 days | Up to 364 days |
| Cancellation & Refund | Refund within 3 days (if no claims) | Refund within review period (if no claims) | Refund within review period (if no claims) |
Patriot America Plus vs. SafeVista Comprehensive Key Coverage Differences That Matter
1. Pre-existing conditions Coverage
Both plans offer coverage for the acute onset of pre-existing conditions, a critical factor for older travelers and those with known health issues. However, neither plan covers expected medical care or regular treatment for ongoing conditions — only a sudden and unexpected outbreak is covered.
2. Emergency Medical Treatment and Evacuation
Patriot America Plus, underwritten by International Medical Group (IMG), provides up to $1,000,000 for emergency medical evacuation—ideal for worst-case scenarios. In contrast, SafeVista Comprehensive offers a more limited evacuation benefit of up to $25,000, which might not be enough in high-cost emergency situations.
3. Medical Policy Maximum
The policy maximum is a key factor when purchasing visitor health insurance. While both plans offer up to $1,000,000 for travelers under 70, Patriot America Plus extends this benefit even for seniors up to age 99—making it a better fit for older travelers looking for maximum coverage.
Which Plan Is Better For Parents Visiting The USA?
- For parents visiting the USA who are older and may need higher medical limits, Patriot America Plus is the superior choice thanks to higher coverage and more generous benefits.
- For younger travelers or those seeking budget-friendly options, SafeVista Comprehensive still provides comprehensive travel insurance benefits, including coverage for the onset of pre-existing conditions, doctor visits, and emergency medical treatment.
What You Need to Know Before Purchasing Visitor Health Insurance
| Consideration | Why It Matters |
|---|---|
| Pre-Existing Medical Conditions | Only the acute onset is covered—not regular treatment |
| Network Access | Patriot America Plus offers the First Health PPO network |
| Insurance Providers | Patriot is backed by IMG, a leading international health insurance provider |
| Home Country Coverage | Limited or no coverage once you return to your home country |
| Insurance Companies’ Refund Policy | Be sure to check refund rules in case your trip is canceled |
Which Plan To Choose?
If you are traveling with a family and require higher medical coverage and emergency evacuation limits, Patriot America Plus provides the best option. It’s particularly suited for travelers who might need extended coverage periods and extensive benefits, including $1,000,000 in emergency medical evacuation.
On the other hand, SafeVista Comprehensive is an excellent choice for those aged 0-69 who want a solid travel medical insurance plan with reasonable limits. For seniors (70-99 years), the plan still provides essential coverage but with lower limits on some benefits like emergency medical evacuation and trip interruption.
For seniors or those on a budget, SafeVista Comprehensive might be more suitable. However, for those looking for comprehensive coverage and flexibility, especially for younger travelers, Patriot America Plus remains the superior choice. Always ensure you select a plan based on your travel needs, duration, and specific medical coverage requirements.
Conclusion: Final Thoughts on Patriot America Plus vs SafeVista Comprehensive
Both Patriot America Plus and SafeVista Comprehensive are solid insurance plans from reputed travel insurance companies, but the decision ultimately depends on your:
- Age and health condition
- Length of stay in the USA
- Need for higher emergency services or medical treatment
- Desire for comprehensive coverage with a flexible policy period
If you want robust coverage, flexibility, and higher protection for the medical expenses that often arise during international travel, especially for green card holders or parents visiting the USA, Patriot America Plus is your go-to.
FAQs Patriot America Plus vs SafeVista Comprehensive
Q1. Does travel medical insurance cover pre-existing conditions?
Most plans like Patriot America Plus and SafeVista Comprehensive only cover the acute onset of pre-existing conditions, not routine care.
Q2. Which plan offers better evacuation coverage?
Patriot America Plus offers up to $1,000,000 for emergency medical evacuation, which is significantly higher than SafeVista.
Q3. Is Patriot America Plus good for senior travelers?
Yes. It offers coverage for travelers up to age 99 with higher medical policy maximums than SafeVista.
Q4. Can I cancel and get a refund?
Yes, if no claims have been made. Patriot America Plus offers a full refund within 3 days of purchase; SafeVista offers it during the review period.
Q5. What is comprehensive travel insurance?
It’s a plan that covers a broad range of risks including medical emergencies, trip interruptions, doctor visits, and more—making it ideal for non-US citizens traveling to the USA.
