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 100% within the First Health PPO network after the deductible
- Maximum 2 years coverage
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- Coverage available for non U.S citizens visiting the USA
- 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
- Plan pays 100%, within the United Healthcare PPO network after the deductible
- Up to 2 years of coverage
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- Coverage available for U.S citizen and non U.S citizens visiting the USA
- If no claims have been filed, policy can be cancelled and refunded for a $50 cancellation fee
- Coverage up to policy maximum for acute onset of pre-existing conditions for travelers under 70
- Not available for purchase from the following U.S States: NY and MD
COMMON EXCLUSIONS (What's not covered)
- Preventative Care (immunizations, routine medical exams)
- Terrorism coverage
- Pregnancy and maternity care