Trawick Safe Travels USA Comprehensive vs IMG Patriot America Plus
Two of the top-rated visitor insurance plans compared on every key benefit — with a clear verdict on which fits different traveler profiles.
Trawick Safe Travels USA Comprehensive and IMG Patriot America Plus are both strong choices for visitors to the United States. Safe Travels offers more deductible flexibility and includes baggage and trip interruption coverage. Patriot America Plus counters with a broader network (UHC) and slightly higher name recognition among US hospitals. Both cover acute onset of pre-existing conditions up to the full policy maximum for travelers under age 70. For seniors aged 70+, Safe Travels has a significant edge — covering $35,000 for ages 70–79 and $20,000 for ages 80–89 — while Patriot America Plus provides no pre-existing coverage at age 70+. Here's every difference that matters.
Plan Overview
- Travelers who want more deductible flexibility ($50 option available)
- Budget-conscious visitors who still want solid pre-existing coverage
- Travelers who want baggage coverage included
- Those preferring Trawick's claims handling reputation
- More deductible options than most competitors (including $50)
- Baggage coverage included
- Trip interruption benefit included
- COVID-19 covered
- Strong acute onset benefit — up to policy maximum for travelers under age 70
- First Health network only — not UHC (slightly smaller)
- Max age 89 (vs 99 on IMG/WorldTrips plans)
- Lower evacuation limit than Atlas America
- 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
Side-by-Side Comparison
Choose Safe Travels USA Comprehensive if you want more deductible flexibility (including a $50 option), need baggage and trip interruption coverage included, or if the traveler is aged 70+ with pre-existing conditions (Safe Travels covers $35K at 70–79; Patriot Plus covers nothing at 70+).
Choose IMG Patriot America Plus if you want UHC network access specifically, if the traveler is aged 90–99 (Safe Travels caps at age 89), or if the traveler is under 70 and cost is the primary factor.
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