IMG Patriot America Plus vs Trawick Safe Travels Elite
Two premium-tier visitor insurance plans face off. Safe Travels Elite offers the highest pre-existing benefit on the market. Here's how they compare.
When you want the best visitor insurance available, the comparison often comes down to IMG Patriot America Plus and Trawick Safe Travels Elite. Both cover acute onset of pre-existing conditions up to the full policy maximum for travelers under age 70. For travelers aged 70+, Elite wins decisively — it covers $25,000 for ages 70–89, while Patriot America Plus provides no pre-existing coverage at age 70+. Elite also leads on mental health coverage (day one vs 30-day wait) and baggage limits ($1K vs $500). Patriot America Plus counters with UHC network access and coverage for ages 90–99.
Plan Overview
- Parents visiting the USA with pre-existing conditions
- Travelers who want UHC network access
- Stays of 1–12 months
- Travelers prioritizing broad pre-existing coverage
- One of the strongest acute-onset pre-existing condition benefits
- Access to the massive UHC network — fewer surprise bills
- Coverage up to age 99 with no age-based exclusions
- COVID-19 treated like any other illness
- Wide deductible range lets you control premium cost
- No full trip cancellation coverage (return travel only, not pre-departure cancellation)
- Maternity not covered
- Pre-existing benefit is acute onset only — not ongoing management
- Travelers who want the highest pre-existing condition coverage available
- Those who want mental health covered from day one
- Travelers wanting the best baggage and trip interruption limits
- Seniors 70–89 needing strong coverage
- Acute onset pre-existing covered up to policy maximum for travelers under age 70
- Mental health covered from day one — no 30-day wait
- Dual network (First Health + Aetna) — maximum hospital access
- Best-in-class baggage ($1K) and trip interruption ($10K)
- $1M evacuation coverage
- Higher premium than other Trawick plans
- Max age 89 (vs 99 on IMG/WorldTrips)
- First Health + Aetna network (not UHC)
Side-by-Side Comparison
Choose IMG Patriot America Plus if the traveler is aged 90–99, or if UHC network access is a priority for where they'll be visiting.
Choose Trawick Safe Travels Elite if the traveler is aged 70+ (Elite covers $25K in pre-existing; Plus covers nothing at 70+), if you want mental health from day one, or if you want the best baggage and trip interruption limits.
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