Safe Travels USA Comprehensive vs. Patriot America Plus

When shopping for travel medical insurance, two plans that may seem very similar when compared side by side are Safe Travels USA Comprehensive and Patriot America Plus. While it is true that Safe Travels USA Comprehensive and Patriot America Plus do possess some similarities, they are also relatively different and the first step to making a purchasing decision is identifying those key differences .

Safe Travels USA Comprehensive and Patriot America Plus are two plans that provide travelers with high limit, comprehensive coverage, meaning they provide percentage-based coverage for most eligible travel expenses. For more information on the key differences between the two plans, refer to the comparison chart below:

Safe Travels USA Comprehensive
  • Administered by Trawick International
  • Plan pays 80% of the first $5,000, then 100% up to the policy maximum
  • Maximum 2 years coverage
  • Coverage availabe for USA only
  • If no claims have been filed, policy can be cancelled and refunded for a $25 cancellation fee
  • Coverage up to policy maximum for acute onset of pre-existing conditions for ages 69 and under
  • No state restrictions


vs.
Patriot America Plus
  • Administered by IMG
  • In network, plan pays 90% of first $5,000, then 100% after that, out of network plan pays 80% of first $5,000 and 100% after that.
  • Maximum 1 year coverage
  • USA and International coverage
  • If no claims have been filed, policy can be cancelled and refunded for a $50 cancellation fee
  • Coverage up to $500,000 for acute onset of pre-existing conditions for ages 69 and under
  • Not available for Maryland residents


COMMON EXCLUSIONS (What's not covered)
  • Preventative Care (immunizations, routine medical exams)
  • Accidental death and dismemberment (AD&D) coverage
  • Terrorism coverage
  • Trip interruption coverage
  • Pregnancy and maternity care

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