When it comes to selecting the right travel insurance, it’s essential to consider various factors like the coverage provided, the reputation of the insurer, and, of course, the policy’s cost.
Two popular options among travelers are Patriot America Lite and Safe Travels USA Comprehensive Insurance.
In this article, we’ll provide an in-depth comparison of these two plans to help you decide which one might be the best fit for your needs.
In this article...
Company Overview
Patriot America Lite is a product of IMG (International Medical Group), a leading global provider of medical and travel insurance.
IMG has a strong reputation for its comprehensive coverage and customer service, serving millions of travelers worldwide.
Safe Travels USA Comprehensive Insurance, on the other hand, is offered by Trawick International. Trawick International has been providing travel insurance since 1998 and is known for its innovative and flexible insurance products designed to meet diverse traveler needs.
Recommended Plans
Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.
Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).
Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.
Coverage Comparison
Both Patriot America Lite and Safe Travels USA Comprehensive Insurance offer a broad range of coverage, including medical expenses, emergency medical evacuation, repatriation, and trip interruption.
However, there are key differences in the coverage limits and features between the two plans.
| Feature | Patriot America Lite | Safe Travels USA Comprehensive |
|---|---|---|
| Policy Maximum | $50,000 to $1 million | $50,000 to $1 million |
| Deductible Options | $0 to $2,500 | $0 to $5,000 |
| Pre-Existing Condition Coverage | Yes, for Acute Onset | Yes, for Acute Onset |
| COVID-19 Coverage | Yes, treated as new condition | Yes, treated as new condition |
| Trip Interruption | Up to $5,000 | Up to $5,000 |
| Lost Checked Luggage | $50 per item, $500 maximum | $250 per item, $2500 maximum |
| Emergency Dental | $100 for Acute Onset of Pain | $250 for Acute Onset of Pain |
| Political Evacuation | $10,000 | $10,000 |
| Terrorism Coverage | Not Covered | $50,000 maximum |
| Natural Disaster Benefit | Not Covered | $100 per day, up to $500 |
| Repatriation of Remains | Up to policy maximum | Up to policy maximum |
| Accidental Death & Dismemberment | Not Covered | $25,000 principal sum |
| Sudden and Unexpected Recurrence of a Pre-existing Condition | Not Covered | Up to policy maximum |
Popularity Among Travelers
Both plans are popular among travelers, but they cater to different types of travelers.
Patriot America Lite is preferred by travelers looking for a balance between comprehensive coverage and affordability.
In contrast, Safe Travels USA Comprehensive Insurance is favored by those seeking more extensive coverage, particularly in areas such as lost checked luggage and the sudden and unexpected recurrence of pre-existing conditions.
Suitability for Travelers with Medical Conditions
Both plans cover acute onset of pre-existing conditions, making them suitable for travelers with certain medical conditions.
However, Safe Travels USA Comprehensive Insurance offers more extensive coverage for the sudden and unexpected recurrence of pre-existing conditions, making it a potentially better option for travelers with significant health concerns.
Conclusion
Choosing between Patriot America Lite and Safe Travels USA Comprehensive Insurance will largely depend on your specific needs and circumstances.
Both plans offer substantial coverage, but there are differences in coverage limits and certain features. Ensure you carefully review each plan’s specifics before making a decision.
Always remember, the best plan is one that offers the coverage you need at a price you can afford.
FAQs
Q: Do these plans cover COVID-19 related medical expenses?
A: Yes, both Patriot America Lite and Safe Travels USA Comprehensive Insurance cover COVID-19 related medical expenses. They treat it as a new condition, making it part of their coverage.
Q: Which plan offers more extensive coverage for pre-existing conditions?
A: While both plans cover the acute onset of pre-existing conditions, Safe Travels USA Comprehensive Insurance also covers the sudden and unexpected recurrence of a pre-existing condition up to the policy maximum.
Q: Which plan offers better coverage for lost checked luggage?
A: Safe Travels USA Comprehensive Insurance provides more extensive coverage for lost checked luggage, with a limit of $250 per item and up to $2500 maximum, compared to Patriot America Lite’s $50 per item and $500 maximum.
Q: Are there any significant exclusions I should be aware of in these plans?
A: Each plan has its own exclusions. It is important to review the policy documentation for each plan to understand what is and isn’t covered.
For example, while Patriot America Lite does not offer terrorism coverage and natural disaster benefits, these are covered in the Safe Travels USA Comprehensive Insurance plan.
Q: Which plan should I choose if I have significant health concerns?
A: If you have significant health concerns, especially related to pre-existing conditions, you might want to consider Safe Travels USA Comprehensive Insurance as it covers the sudden and unexpected recurrence of a pre-existing condition up to the policy maximum.
However, it’s always best to consult with a healthcare provider or insurance professional before making a decision.
Remember, no one plan fits all. Make sure to thoroughly evaluate your travel needs, understand the policy terms and conditions, and consider your personal circumstances before deciding on an insurance plan.
The right travel insurance plan can provide peace of mind, letting you enjoy your travels without worry.
