While searching to buy visitors insurance, you may have come across two similar travel medical insurance plans: Patriot America Lite and Safe Travels USA Comprehensive. You may find that these two travel insurance plans share some benefits, but what is the difference between Patriot America Lite and Safe Travels USA Comprehensive?
Both Patriot America Lite and Safe Travels USA Comprehensive are good travel insurance plans for a trip to the USA. These visitors insurance policies can both be extended up to two years and are both comprehensive plans, meaning that they provide percentage based coverage for most eligible benefits. For details about the differences between Patriot America Lite and Safe Travels USA Comprehensive, refer to the comparison chart below.
- Administered by IMG
- USA and international coverage
- No Coverage for COVID-19
- Pays 100% within PPO network after the deductible
- Covers up to $500 for loss of checked baggage
- Does not cover acute onset of pre-existing conditions
- No coverage for mental disorders
- No adaptive home and vehicle benefit
- No seatbelt and airbag benefit
- Administered by Trawick International
- USA coverage only; no international coverage
- Pays 100% within PPO network after the deductible
- Covers up to $1,000 for loss of checked baggage
- Covers up to medical maximum for those under the age of 70 for acute onset of pre-existing conditions
- Up to $2,500 of coverage for mental disorders per policy period
- 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