Compare Visitors Insurance

Comparing {{totalNumPlans}} Plans

Comparing 2 Plans

Return to Fast Comparison

Safe Travels USA

Purchase

Patriot America® Lite

Purchase

There was a problem, please make the requested changes and submit again:

  • {{ error.message }}

Safe Travels USA vs Patriot America Lite Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Safe Travels USA vs Patriot America Lite 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.

Viewing: {{displaySelectedView}}Fast Comparison

Comparing {{totalNumPlans}} Plans

Comparing 2 Plans

Return to Fast Comparison

Safe Travels USA

Purchase

Patriot America® Lite

Purchase

General

Safe Travels USA
After deductible, plan pays 90% up to $2,500, then 100% to policy maximum.
Patriot America Lite
After deductible, plan pays 100% (80% up to $5,000 outside the network, then 100%) to policy maximum.

Medical - Outpatient

To policy maximum
Included
Urgent Care: Deductible waived, $30 copay; unless $0 deductible. Walk-in Clinic: Deductible waived, $15 copay: unless $0 deductible. Co-insurance still applies.
Urgent Care: Deductible waived, $30 copay; unless $0 deductible. Walk-in Clinic: Deductible waived, $15 copay: unless $0 deductible. Co-insurance still applies.
To policy maximum Extra $200 copay for illness visit that does not result in hospital admission.
To policy maximum Extra $200 copay 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
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
$125 for one visit. Minimum initial purchase of 30 days. Must occur within first 21 days from effective date.
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
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
-

Medical - Inpatient

To policy maximum, average semi-private room including nursing services.
To policy maximum, three times average semi-private room rate
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum
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.
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

180 days
180 days
$25,000 for ages up to 69; $15,000 for ages 70 and over
-
-
-
-
Optional: Sports Activity Coverage
To policy maximum. Must be medically necessary.
Emergency medical treatment of pregnancy to $1,000
Emergency medical treatment of pregnancy to $1,000
$2,500
$2,500
$50 per day, maximum of 10 days Must be ordered in advance by physician.
$50 per day, maximum of 10 days Must be ordered in advance by physician.
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
Unexpected Recurrence, for persons under 70: $1,000
Unexpected Recurrence, for persons under 70: $1,000
-
-
Included
Included
-
-
Same as any other eligible medical expense
Standard basic hospital bed and/or standard basic wheelchair
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.
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
-
-
Excluded
Excluded

Dental

$250
$250
$300
To policy maximum

Travel

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

Life

$25,000 included. Optional add-ons up to $500,000.
$25,000 included. Optional add-ons up to $500,000.
$25,000 included. Optional add-ons up to $500,000.
$25,000 included. Optional add-ons up to $500,000.
$50,000
$50,000
$25,000 per child, $100,000 per adult, $250,000 maximum per family.
$25,000 per child, $100,000 per adult, $250,000 maximum per family.

Other

Included
Optional: Return to Home Country Coverage, incidental up to $25,000. Minimum initial purchase of 30 days.
Optional: Return to Home Country Coverage, incidental up to $25,000. Minimum initial purchase of 30 days.
$50 per night, $500 maximum
$50 per night, $500 maximum
-
-
$10,000. $250 per day, 5 day maximum for accommodations.
$10,000. $250 per day, 5 day maximum for accommodations.
-
-
Included
Included
Incidental: 14 days after 30 days continuous coverage
Incidental: 14 days after 30 days continuous coverage
$250 per night, maximum of 10 nights. Not available in U.S.
$250 per night, maximum of 10 nights. Not available in U.S.
$500
$500
$250 per day, 5 day maximum for accommodations.
$250 per day, 5 day maximum for accommodations.
$50,000
$50,000
Included

Plan Features

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
Political Evacuation: $25,000
Email
Per Policy Period
$0 Up to 89
$50 Up to 89
$100 Up to 89
$250 Up to 89
$500 Up to 89
$1,000 Up to 89
$2,500 Up to 89
$5,000 Up to 89
Lifetime Maximum
$50,000 Up to 89
$100,000 Up to 79
$250,000 Up to 64
$500,000 Up to 64
$1,000,000 Up to 64
Surego Administrative Services
Zurich Insurance Europe AG Belgian branch
NR "Not Rated"
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 69
$1,000,000 Up to 69
International Medical Group (IMG)
SiriusPoint Specialty Insurance Corporation
A- "Excellent"
  • 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.

Learn More

Why buy insurance from Insubuy?

Same Price. Better Service.®

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

Learn More

Visiting USA?

Healthcare costs are very high in the U.S.

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

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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.

Learn More

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

This website uses cookies, some of which are essential for the functionality of the website while others are for improving user experience and personalization. By continuing to browse this website, you agree to our use of cookies. For information about your privacy, please read our Privacy Policy and Terms of Use.