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Patriot America Plus®

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Safe Travels Elite - $175,000

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Patriot America Plus vs Safe Travels Elite - $175,000 Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Patriot America Plus vs Safe Travels Elite - $175,000 Insurance.

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand in order to make an educated decision.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a quick comparison of the plans you selected to compare. The quick comparison is comprised of coverages considered important and popular by our customers. You can use the quick comparison to easily narrow your plan search to plans deemed suitable for your needs.

This information should be used as a guide only, you should not make decisions solely using this information. If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

The information below is a detailed comparison of the plans you have chosen to compare. The detailed comparison is an aid to help you familiarize yourself with plan coverages. The detailed comparison is not inclusive of all the coverages or details included in a plan. Do not make a decision based on this information alone.

If you prefer an explanation of how these benefits or specific coverage could work, please contact our office and we will explain to you in further detail.

If you have any concerns, doubts or questions, please refer to the specific policy details for complete information as it is not possible to accurately represent all the following details concisely. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.

All amounts are in U.S. dollars.

Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.

Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.

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Patriot America Plus®

Purchase

Safe Travels Elite - $175,000

Purchase

General

Patriot America Plus
Comprehensive
After deductible, plan pays 100% (80% up to $5,000 outside the network, then 100%) to policy maximum.
Safe Travels Elite - $175,000
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.

Medical - Outpatient

To policy maximum
To policy maximum
Optional
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible. US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies.
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible. US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible. Co-insurance still applies.
To policy maximum In US: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum In US: Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum or $250,000 maximum limit, whichever is lower; 90 day supply per prescription.
To policy maximum
To policy maximum
-
Up to $130 per visit, 1 per day, 30 visits maximum
Up to $130 per visit, 1 per day, 30 visits maximum
Included
Up to $130 per visit, 1 per day, 30 visits maximum
Up to $130 per visit, 1 per day, 30 visits maximum
$800 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission.
$800 per injury/illness Extra $200 deductible for illness visit that does not result in hospital admission.
Up to $350 per injury/illness
Up to $350 per injury/illness
Up to $1,000; Up to $1,300 for PET scan or MRI
Up to $7,500 per injury/illness
$125 for one visit. Minimum initial purchase of 30 days. Must occur within first 21 days from effective date.

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
Up to $3,000 per day, 30 day maximum per injury/illness
Up to $4,500 per day, 8 day maximum per injury/illness
Up to $7,500 per injury/illness
Up to $1,800 per injury/illness
Up to $1,800 per injury/illness
Up to $130 per visit, 1 per day, 30 visits maximum
Up to $700 per injury/illness
Up to $1,500 per injury/illness

Medical - Other Treatment And Services

-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair
$50 per incident deductible, $150 maximum (plan deductible waived)
$50 per incident deductible, $150 maximum (plan deductible waived)
Optional: Adventure Sports, available for ages under 65.
To policy maximum for illness that results in hospitalization as inpatient or for injury.
-
-
To policy maximum Must be ordered in advance by physician.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
United Healthcare PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
Yes
Acute onset only, for persons under 70: Medical to policy maximum. Medical evacuation up to $25,000.
Acute onset only, for persons under 70: Medical to policy maximum. Medical evacuation up to $25,000.
Included
180 days
$25,000
Up to $1,750 per injury/illness for initial orthopedic prosthesis or brace
-
-
-
Up to $750 per injury/illness
-
Up to $20,000 per injury/illness
Limited to $60 per visit, one visit per day and 12 visits per Policy Period
First Health PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
First Health PPO
Network of physicians, hospitals, urgent cares, labs and other healthcare providers.
No network for pharmacies, dentists, ambulance.
None
Acute onset only up to policy maximum ($25,000 for cardiac or stroke).
Acute onset only up to policy maximum ($25,000 for cardiac or stroke).
-
-
Included

Dental

$300
To policy maximum
-
Up to $750 per injury/illness

Travel

-
$10,000
-
$50 per item, $500 maximum
$100,000
$100,000, maximum of 15 days
$1,000,000
To policy maximum
$5,000
-
-
-
-
-
-
$10,000
-
Unlimited. Medically Necessary Repatriation up to $15,000.
$25,000
$5,000
-
-

Life

$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
$10,000 for Felonious Assault
$35,000

Other

Included
Incidental: 14 days after 30 days continuous coverage
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included
Included
Incidental: 90 days per every 12-month period. $7,500 maximum.
-
-
$2,000
-
Included

Plan Features

Before effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
Before effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $25,000 Bedside Visit $1,500 Political Evacuation and Repatriation: $100,000 Pet Return: $1,000 Optional: Cell phone coverage Optional: Teladoc coverage
Email
Annual
$0 Up to 110
$100 Up to 110
$250 Up to 110
$500 Up to 110
$1,000 Up to 110
$2,500 Up to 110
Lifetime Maximum
$10,000 80-110
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 64
$1,000,000 Up to 64
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
Before or on effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
Before or on effective date, full refund. After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 364 days maximum
$0
$0
Private Duty Nursing: $700 Political Evacuation: $2,000
Email
Per Incident
$0 Up to 69
$100 70-89
$200 70-89
Per Incident
$25,000 Up to 69
$50,000 Up to 89
$75,000 Up to 69
$100,000 Up to 89
$175,000 Up to 69
Surego Administrative Services
Zurich Insurance Europe AG Belgian branch
NR "Not Rated"
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
  • Home country for IMG (Patriot products, Visitors Care, Visitors Protect), WorldTrips (Atlas, VisitorSecure), and Global Underwriters (Diplomat America, Diplomat Long Term, Diplomat International) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Azimuth Risk Solutions (Beacon products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • For medical benefits, to policy maximum, refer to the Usual, Reasonable and Customary Charges. Deductible and coinsurance apply, unless otherwise noted.
  • Coverages shown are per person unless noted otherwise.
  • The dash (-) in the fields above means Not Applicable (N/A).
DISCLAIMER: This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why buy insurance from Insubuy?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More

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