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. Safe Travels Elite leads on pre-existing condition coverage ($75K vs $50K), mental health coverage (day one vs 30-day wait), and baggage limits ($1K vs none). Patriot America Plus counters with UHC network access, coverage for ages 90–99, and strong industry reputation. This guide breaks down every detail.
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 baggage or trip cancellation coverage (medical-only plan)
- 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
- Highest acute onset pre-existing benefit available ($75K under 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 you want the highest pre-existing condition benefit available ($75K), mental health from day one, or the best baggage and trip interruption limits.
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