Patriot America Plus vs Safe Travels First Class
Patriot America Plus runs roughly $215 for a typical trip — noticeably less than Safe Travels First Class at around $330. The question is whether the savings come at the cost of coverage you'll actually use. Below: every line that matters for a visiting parent.
Net-net: Patriot America Plus wins this matchup, mostly because of hospital network size and typical premium band. Safe Travels First Class isn't out — it leads on pre-existing condition cover — but the overall scorecard goes 6–3.
Side-by-side: who wins what
| Feature | Patriot America Plus | Safe Travels First Class | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Full | Safe Travels First Class |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Large | Patriot America Plus |
| Typical premium band | ~$215 | ~$330 | Patriot America Plus |
| Avg claim settlement | 30 days | 35 days | Patriot America Plus |
| Age eligibility | 0-99 | 0-79 | Patriot America Plus |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Patriot America Plus and Safe Travels First Class settle directly with US hospitals — no $50k credit card hold at admission.
- 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.
Premium is steep; not renewable past 180 days; hard cutoff at age 80.
Other comparisons you might want
More comparisons for Patriot America Plus
This comparison reflects publicly available IMG and Trawick plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Patriot America Plus and Safe Travels First Class certificates are the source of truth.