Safe travels USA Comprehensive vs Atlas America vs Patriot America Plus vs Liaison Choice Comparision

These are the popular visitor insurance plans for international travel. Compare price and benefits to find the best plan for your needs.


Safe travels USA Comprehensive vs Patriot America vs Atlas America vs Liaison Choice

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Safe Travels USA Comprehensive
Maximum
Deductible
Atlas America
Maximum
Deductible
Patriot America Plus
Maximum
Deductible
Pre-Existing
Liaison Choice
Maximum
Deductible
Trawick HCCIMS IMG Seven Corners
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planmaximum  Plan maximum
Age 80 to 89: $50,000
Age 65 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80 to 89: $50,000
Age 70 to 79: $50,000, $100,000
All others: $50,000, $100,000, $250,000, $500,000, or $1,000,000
Age 80+: $10,000
Age 70 to 79: $50,000, $100,000 or $250,000
All others: $50,000, $100,000, $250,000, $500,000, $1,000,000 or $2,000,000
Worldwide including US (Patriot America)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000
Ages 70-79: $50,000
Ages 80+: $10,000

Worldwide excluding US (Patriot International)
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000
Ages 70-79: $50,000
Ages 80+: $10,000
Patriot America Plus
Age 14 days to 69: $50,000, $100,000, $500,000
Ages 70-79: $50,000
Ages 80+: $10,000
Worldwide including US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000
Ages 80+: $15,000
Worldwide excluding US
Age 14 days to 69: $50,000, $100,000, $500,000, $1,000,000, $2,000,000, $5,000,000
Ages 70-79: $50,000, $100,000
Ages 80+: $15,000
coinsurance Coinsurance
  • In-network:  Plan pays 100%
  • Out-of-network:  Plan pays 80% of eligible expenses up to $5,000, then 100%
100% of Covered Expenses up to the policy maximum
Plan pay 100% of eligible expenses after the deductible up to the overall maximum limit. Coverage in USA
In PPO - Plan pays 100%
Outside PPO - Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage outside US: No coinsurance
Coverage in USA
  • In PPO - The plan pays 90% of the first $5,000, then 100% to the medical maximum.
  • Outside PPO - The plan pays 80% of the first $5,000, then 100% to the medical maximum.

Outside the United States
- The plan pays 100%.
Pre-existing  Pre - existing Conditions Coverage
For people age 69 and below up to Policy Maximum for Acute Onset of Pre-Existing and up to $25,000 for coverage related to cardiac disease or conditions. For people age 70 and above up to $35,000 for Acute Onset of Pre-Existing and up to $15,000 for coverage related to cardiac disease or conditions. For age below 65 years: Up to $20,000
Age 65 and above: $10,000
Subject to the choosen Deductible and Coinsurance for Covered Expenses
Under age 70: Covers up to overall maximum limit.
Age 70 to 79: Covers up to overall maximum limit or $100,000, whichever is lower.
(excludes chronic and congenital conditions)
For Patriot International plan only
For US Citizens
  • Up to age 65 with primary health plan: Up to maximum limit.
  • Up to age 65 witout primary health plan: $20,000 certificate period.
  • Age 65 to age 70: $2,500 certificate period.
For Non US citizens
  • Up to age 70 years: Up to maximum limit or $500,000 whichever is less
Under 70 years of age: Up to period of coverage maximum limit.
Acute onset of pre-existing conditions coverage for age 0 to 69 years is up to $30,000 and 70 years and above is $5,000
coverage  Length of Coverage
Plan can be purchased for a minimum of 5 days up to a maximum of 1 year Plan can be purchased for a minimum of 5 days up to a maximum of 364 days Plan can be purchased for a minimum of 5 days up to a maximum of 2 years Plan can be purchased for a minimum of 5 days up to a maximum of 364 days
renewal  Renewability
Yes up to 2 years Yes up to 364 days Yes up to 2 years if initial purchase is 1 month Yes up to 364 days
Pre-existing  Definition of Acute onset of Pre-existing Condition
Regardless of the cause of the condition, for which medical advice, diagnosis, care or treatment was recommended or received within the 24 month period before the Covered Person's coverage became effective under the Policy. A sudden and unexpected outbreak or recurrence of a PreExisting Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent and immediate medical care. Sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance. Sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.
unique  Unique Advantages
  • 80% of the first $5,000 of eligible expenses then 100% up to the policy maximum
  • Covers doctor visits, x-rays, prescriptions, hospital, surgery, ambulance
  • Emergency medical treatment of pregnancy up to $1,000
  • Mental or nervous disorders up to $2,500
  • Physiotherapy/Chiropractic $50 per visit per day up to 10 visits
  • Dental treatment - for injury or emergency alleviation of pain $250
  • Satisfies Schengen Visa Insurance Requirements when purchased with a $0 Deductible.
  • Optional coverage for hazardous sports.
  • Covers basic lost baggage up to $1,000
  • Child 9 years and below is FREE with a paying adult
  • Best for travelers on H1B/H4 visa holders or students on OPT status.
  • Adventure sports coverage is included.
  • Covers treatment of complications of pregnancy during the first 26 weeks of pregnancy.
Optional coverage for adventure sports with purchase of the rider.
  • Best for American Expatriates visiting the US.
  • Optional coverage for hazardous sports.
hostpital US Network of hospitals and doctors
US PPO Network US PPO Network US PPO Network US PPO Network
hostpital International Network of hospitals and doctors
- International PPO Network International PPO Network International PPO Network
file  Underwriter
GBG Insurance Limited Lloyds, London and is rated "A" (Excellent) by A.M. Best. Sirius International Insurance Corporation and is rated "A" (Excellent) by A.M. Best. Certain Underwriters at Lloyd's of London and is rated "A" (Excellent) by A.M. Best.
 Atlas America vs Patriot America Plus     Atlas America vs Liaison Choice     Patriot America vs Liaison Choice     Patriot America vs Safe travels USA     Atlas America vs Safe travels USA
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