Patriot America Plus vs Safe Travels USA Comprehensive
Safe Travels USA Comprehensive carries limited PED cover, while Patriot America Plus only offers acute-onset PED cover only. For most parents over 60 with even one chronic condition, that single line decides the comparison. Below: every line that matters for a visiting parent.
Patriot America Plus edges out on hospital network size and typical premium band, taking 6 weighted points to Safe Travels USA Comprehensive's 3. Safe Travels USA Comprehensive still has the upper hand on pre-existing condition cover, so it stays the right call when those matter more than the headline coverage.
Side-by-side: who wins what
| Feature | Patriot America Plus | Safe Travels USA Comprehensive | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Limited | Safe Travels USA Comprehensive |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Large | Patriot America Plus |
| Typical premium band | ~$215 | ~$245 | Patriot America Plus |
| Avg claim settlement | 30 days | 35 days | Patriot America Plus |
| Age eligibility | 0-99 | 0-89 | Patriot America Plus |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- IMG and Trawick both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both IMG and Trawick keep a round-the-clock claims line, not just business hours.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
First Health network thinner outside metros; max age 89 cuts off 90+.
Other comparisons you might want
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More comparisons for Safe Travels USA Comprehensive
BackToIndia is independent — we don't sell Patriot America Plus or Safe Travels USA Comprehensive and earn nothing from either IMG or Trawick. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.