Patriot America Plus vs Safe Travels Outbound USA
Patriot America Plus and Safe Travels Outbound USA are both comprehensive options aimed at a similar profile — visiting parents in the 14–89 age band. The differences are narrower than the brochures suggest, and they show up in places most buyers don't look. Read on for the line-by-line scorecard.
Patriot America Plus and Safe Travels Outbound USA score evenly across the 11 categories. The choice comes down to which trade-off matters more to your family — hospital network size on one side, typical premium band on the other.
Side-by-side: who wins what
| Feature | Patriot America Plus | Safe Travels Outbound USA | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Large | Patriot America Plus |
| Typical premium band | ~$215 | ~$185 | Safe Travels Outbound USA |
| Avg claim settlement | 30 days | 26 days | Safe Travels Outbound USA |
| Age eligibility | 0-99 | 14-89 | 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.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- 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.
GBG underwriter; claim experience varies vs Crum & Forster-backed plans.
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BackToIndia is independent — we don't sell Patriot America Plus or Safe Travels Outbound USA 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.