Safe Travel Elite Vs Patriot America Lite – Detailed comparison 

Choosing the right travel insurance plan is essential for protecting yourself and your trip from unexpected events. Safe Travel Elite and Patriot America Lite are two popular options that offer different levels of coverage and benefits. This comparison will help you understand the key differences between these plans and make an informed decision. 

Table of Contents: 

• Safe Travel Elite Vs. Patriot America Lite 

• Safe Travel Elite Plan 

• Patriot America Lite Plan 

• FAQs 

• Conclusion 

Safe Travel Elite Vs. Patriot America Lite

Category	Safe Travels Elite	Patriot America Lite
Plan type	Fixed	Comprehensive
Benefits	Covers Hospital Room and Board, Local Ambulance, Intensive Care Unit, Outpatient treatment, Prescription Drugs, Diagnostics, X-rays, Physician’s visit, Mental or Nervous Disorder, Emergency Medical Evacuation, Repatriation of Remains, and more.	Covers Eligible Medical Expenses, Local Ambulance, Intensive Care Unit, Outpatient treatment, Prescription Drugs, Physician’s visit, Emergency Medical Evacuation, Accidental Death and Dismemberment, Repatriation of Remains, and more.
Underwriter	Crum & Forster	Sirius Specialty Insurance Corporation
PPO	First Health Network	United HealthCare
Policy Maximum	Economy: $25,000 per incident Basic: $50,000 per incident Silver: $75,000 per incident Gold: $100,000 per incident Platinum: $175,000 per incident Diamond: $50,000 annual max Diamond Plus: $100,000 annual max	Up to $1million
Deductible	Diamond: $100, $200 Diamond Plus: $100, $200 Rest levels of coverage have $ 0 deductible	Choice from $0 to $2,500
Coverage Days	5 days to 364 days (about 12 months)	5 days to 24 months (about 2 years)
Coinsurance	Plan pays 100%of the covered amounts as per the Schedule of Benefits.	100% up to the maximum limit in-network. Out-of-network plans pays80% up to $5,000 and then 100%
Provider	Trawick International®	IMG- International Medical Group
Brochure	View	View
Plan Page	View Plan Page	View Plan Page
Ratings	A (Excellent)	A-
Plan Features
Hospital room and board	$1,400 to $3,000 depending on the level of coverage	Average semi-private room rate up to the maximum limit. Includes nursing service
Local ambulance	$500 to $750 per incident depending on the level of coverage	Up to the maximum limit if injury or illness results in an inpatient hospital admission. Subject to deductible and coinsurance.
Urgent Care	$55 to $130 per visit depending on the level of coverage	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Intensive Care Unit	$2,100 to $4,500 per day to a maximum of 8-10 days depending on the level of coverage	Up to the maximum limit.
Prescriptions Drugs and Medications	$250 to $350 per incident depending on the level of coverage	Up to the chosen plan maximum limit,and cannot exceed $250,000 for policy maximums of $500K or $1 million.
Traumatic Dental Injury	$600 to $750 per incident depending on the level of coverage.	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination	N/A	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance.
Physician visit	Limited to $55 to $130 per visit depending on the level of coverage.	Up to the maximum limit
Well Doctor Visit	$125 for one visit per person per policy period. To be eligible you must purchase at least 30 days of coverage initially and the visit must occur within the first 21 days of your effective date.	N/A
Covid 19	Covered as any other Sickness	Covered as any other Sickness
Cardiac Conditions	$15,000 to $25,000 per policy period depending on the chosen level of coverage.	N/A
Acute onset of Pre-existing conditions	Up to $25,000 lifetime maximum for eligible expenses.	Non-US citizens: Age 69 and under: Up to the period of coverage limit or $1,000,000 (whichever is lower) $25,000 maximum limit for emergency medical evacuation.
Mental/Nervous Disorder	$5,000 per incident	N/A
Return to Home Coverage	Economy: Up to 30 days per 12 months Max $2,000 Basic: Up to 30 days per 12 months Max $2,000 Silver: Up to 60 days per 12 months Max $2,500 Gold: Up to 60 days per 12 months Max $2,500 Platinum: Up to 90 days per 12 months Max $7,500 Not available for Diamond and Diamond Plus	N/A
Emergency Medical Evacuations	Economy, Basic and Silver: $100,000 per Policy Period Gold and Platinum: Unlimited Diamond and Diamond Plus: $50,000 per Policy Period and $25,000/Lifetime Maximum for Acute Onset over age of 80	Up to $1,000,000 on Lite and Plus plans. Up to the maximum limit on Platinum plans.
Accidental Death and Dismemberment	N/A	$50,000 principal sum. Not subject to deductible.
Medically Necessary Repatriation	$15,000 per Policy Period for all levels of coverage.	N/A
Repatriation of Remains	$7.500 to $25,000 per policy period depending on the level of coverage.	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible.
Additional benefits	Common Carrier AD&D, Felonious assault AD&D, Telemedicine, and Travel Assistance	Adventure Sports Rider, Mobile Device Protection, Chaperone/Faculty Leader Replacement Rider, Enhanced AD&D Rider

Safe Travels Elite 

The Safe Travels Elite is a limited-benefit plan available for non-US citizens who are traveling outside their home country to solely visit the US, or to a combination of the US and other countries worldwide. It is not available to US Citizens, US Residents, or Green Card Holders in the US. Can be purchased by individuals up to 89 years old. 

The plan highlights: Choice of plans – Economy, Basic, Silver, Gold, Platinum, Diamond, and Diamond Plus 

• Deductible options for Diamond and Diamond Plus plan 
• $450 per incident for Private Nurse Duty 
• Covers Diagnostics, X-rays, Lab services, Scans, MRI, Chemotherapy, and radiation therapy for outpatient. 
• $125 Well Doctor Visit 
• Covid-19 is covered as any other sicknesses. 
• $750 for Dental Injury to a sound tooth 
• New Cardiac Conditions and Mental/Nervous Disorders included. 

About the service provider: Trawick International® 

Trawick International® is a leading US travel insurance provider offering a range of plans for visitors, businesses, and students. Founded in 1998, they have years of experience and offer tailored policies for various travel needs, from short trips to long-term stays. With a global network of medical providers, Trawick strives to exceed client expectations with comprehensive coverage. 

Patriot America Lite 

Patriot America Lite is an affordable and comprehensive visitor insurance plan designed for non-US residents who need temporary medical insurance coverage while in the US. It is available to parents, family members, visitors, students traveling to the US from their home country for school, business, or pleasure. 

The plan highlights: 

• Covers eligible medical expenses and physician’s visits up to the maximum limit 

• $25 copay in Urgent care and $15 copay in Walk-in 

• Coinsurance 100% up to the maximum limit in the PPO Network  

• Covers Chiropractic Care and Physical Therapy up to the maximum limit. 

• Covers Lost Luggage up to $50 per item, $500 maximum limit. Not subject to deductible 
• Covers Traumatic Dental Injury and Emergency Eye Examination 

About the service provider: IMG Global 

IMG offers comprehensive travel medical insurance for US visitors, covering medical expenses in case of illness or injury. Whether traveling for business or pleasure, IMG plans provide peace of mind and financial protection. With affordable premiums, IMG helps you navigate unexpected healthcare costs in the US. 

FAQs: 

Safe Travels Elite 

Who can buy the Safe Travels Elite plan? 

The Safe Travels Elite plan is available to non-US citizens under the age of 89 years. This policy is not available to US citizens. and green card holders living in the US. 

Does the plan cover the Acute onset of the Pre-existing conditions? 

The plan covers the acute onset of the pre-existing conditions up to the policy maximum for all levels except the Diamond or the Diamond Plus plans. However, coverage related to cardiac conditions or stroke is limited to $25,000. For Diamond and Diamond Plus, the coverage is up to $25,000 for ages between 70-79 and is up to $15,000 for ages 80 and above. However, coverage related to cardiac conditions or stroke is limited to $15,000. 

Does the plan cover mental/nervous disorders? 

Yes, it offers $5,000 per incident for all levels of coverage.

Can you extend the coverage? 

Yes. An extension notice will be sent to the Covered Person before the Policy Period ends and includes links to extend before the Termination Date. The Covered Person is subject to the following rules at extension: To extend, the Policy Period must be initially purchased for a minimum of 5 days.  

If available, an extension period can be purchased  

1. at the premium rate in force at the time of the extension; 

2. for a minimum of 5 days;  

3. for up to a maximum of 364 days, provided the Covered Person’s Policy Period does not exceed 364 days in total. There are no grace periods for extension. Once the policy has lapsed, reapplication is required. Please note, upon application for a new policy, the Pre-Existing Condition exclusion, deductible and co-insurance start over 

Patriot America Lite 

Who can buy Patriot America Lite plan? 

The plan is designed for non-US citizens between the ages of 14 days (about 2 weeks) to 99 years coming to the US for a brief stay. 

Does it cover acute onset of pre-existing conditions? 

The plan includes coverage for acute onset of non-chronic pre-existing conditions for non-US citizens of age 69 and under, up to the period of coverage limit or $1,000,000 (whichever is lower) and $25,000 maximum limit for emergency medical evacuation. 

Does the plan offer any dental and eye-related benefits? 

Yes, Patriot America Lite covers dental treatment, traumatic dental injury, and emergency eye examination. Refer to the brochure to know the coverage in detail. 

What are the additional benefits you can add to this plan? 

The plan offers Adventure Sports Rider for those up to the age of 65, enhanced Accidental Death and Dismemberment Rider for individual plans, Chaperone/Faculty Leader Replacement Rider for groups, and Mobile Device Protection for individual plans. 

Conclusion 

Both Safe Travel Elite and Patriot America Lite offer fixed travel insurance coverage, but they cater to unique needs and budgets. Ultimately, the best choice for you depends on your specific travel plans, risk tolerance, and budget. Carefully compare the features and benefits of each plan to make an informed decision. 

For more information, contact Visitor Guard®.