Patriot America Plus vs. Safe Travels USA

Patriot America Plus and Safe Travels USA are similar plans, but one may be better for you depending on your needs. Both Patriot America Plus and Safe Travels USA are comprehensive coverage plans, which means they are percentage-based policies. They are good for international travelers visiting the US or traveling outside their home country.

Patriot America Plus and Safe Travels USA have PPO networks and offer acute onset of pre-existing conditions coverage. Travelers over the age of 80 can purchase Patriot America Plus or Safe Travels USA. For more information, refer to the comparison chart below.

Patriot America Plus
  • Administered by IMG
  • Up to $500,000 policy maximum

  • USA and international coverage
  • Pays 100% within PPO network after deductible
  • Covers up to $250 for loss of checked baggage

  • Acute onset of pre-existing conditions coverage up to policy maximum
  • No coverage for mental disorders

  • No coverage for assault and violent crime

  • No adaptive home and vehicle benefit

  • No seatbelt and airbag benefit



vs.
Safe Travels USA
  • Administered by Trawick International
  • Up to $1,000,000 policy maximum. Up to $50,000 policy maximum for ages 65+
  • USA coverage only; no international coverage
  • Within PPO network pays 100% after deductible, up to policy max
  • Covers up to $1,000 for loss of checked baggage
  • Covers up to $1,000 for acute onset of pre-existing conditions
  • Up to $2,500 of coverage for mental disorders per policy period
  • Up $50,000 of coverage for assault and violent crime
  • Up to $5,000 of coverage for adaptive home and vehicle benefit
  • Up to $50,000 of coverage for seatbelt and airbag benefit


COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Pregnancy and maternity care
  • Mental and nervous disorders
  • Injuries incurred from certain extreme or hazardous sports
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