Bottom line: IMG Patriot America Plus has the better network (UHC). Trawick Safe Travels USA Elite is the better choice for travelers aged 70+ — IMG provides zero acute onset coverage at age 70+, while Trawick covers $25K (ages 70–79) and $15K (ages 80–89). Trawick also includes free unlimited telehealth. Choose by age and priorities.
IMG Patriot America Plus
Underwritten by SiriusPoint. Uses the UHC Choice Plus PPO — the most widely accepted network in the USA. Trusted by over 4 million travelers globally.
Trawick Safe Travels USA Elite
Underwritten by Crum & Forster. Uses First Health / Cofinity PPO. Includes free unlimited telehealth. Only option with acute onset coverage at ages 80–89 ($15,000). Covers up to age 89. IMG's acute onset coverage drops to zero at age 70 — critical for senior travelers.
Full Feature Comparison
| Feature | IMG Patriot Plus | Trawick Elite |
|---|---|---|
| Plan Type | Comprehensive | Comprehensive |
| Coverage Maximum | $50K – $1M | $50K – $1M |
| PPO Network | UHC Choice Plus (largest US PPO) | First Health / Cofinity |
| Deductible Options | $0 – $2,500 | $0 – $5,000 |
| Coinsurance (In-Network) | 80% to $5K OOP max | 80% to $5K OOP max |
| Coinsurance (Out-of-Network) | 60% after deductible | 60% after deductible |
| Acute Onset Pre-Existing | Policy max (under 70); none at 70+ | Policy max (under 70); $25K (70–79); $15K (80–89) |
| Emergency Evacuation | $500K – $1M | $500K – $1M |
| Repatriation of Remains | Included | Included |
| Telehealth | Not built in | Unlimited, free |
| Mental Health (Outpatient) | Limited | Included |
| Political Evacuation | Up to $10K | Up to $10K |
| Maximum Enrollment Age | 99 years | 89 years |
| Acute Onset Coverage Cutoff | Age 70 (ZERO at 70+) | Age 89 ($25K at 70–79; $15K at 80–89) |
Price Comparison by Age
$150K coverage, $250 deductible, 30-day period, visiting USA
| Age | IMG Patriot Plus | Trawick Elite | Cheaper |
|---|---|---|---|
| 30 | $27/mo | $23/mo | Trawick |
| 40 | $31/mo | $27/mo | Trawick |
| 50 | $44/mo | $42/mo | Trawick |
| 60 | $68/mo | $70/mo | IMG |
| 70 | $120/mo | $128/mo | IMG |
The Verdict: Which Plan Should You Buy?
Under age 50, healthy visitor
Trawick Elite
Better value, free telehealth, higher pre-existing limit
Age 50–65, any health status
IMG Patriot Plus
Larger network for specialist access, strong brand recognition at hospitals
Has pre-existing conditions, age 70+ (emergency coverage)
Trawick Elite
Provides $25K acute onset at 70–79 and $15K at 80–89; IMG provides none at 70+
Age 65–79, visiting major US city
IMG Patriot Plus
Better pricing at higher ages, UHC network preferred by most major US hospitals
Age 80–89
Trawick Elite
IMG does not cover age 80+; Trawick Elite covers up to age 89
Budget-conscious, wants telehealth included
Trawick Elite
Lower premium for under-50 + free telehealth saves real money
Frequently Asked Questions
Which is better — IMG Patriot America Plus or Trawick Safe Travels USA Elite?+
Does IMG Patriot America Plus cover pre-existing conditions?+
Does Trawick Safe Travels USA Elite cover pre-existing conditions?+
Which plan has a better hospital network?+
Which plan is cheaper?+
Does Trawick Safe Travels USA Elite include telehealth?+
Written by Ty Taylor · TX #2608479TX · Tower Hill Travel Insurance · June 2026
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