Comparing Patriot America plus Global Medical Insurance and Safe Travels Elite the Top Travel Insurance Plans for International Visitors

 


When planning international travel, protecting yourself with a reliable travel insurance plan is essential—especially when visiting the USA, where healthcare costs can be significant. Among the top-rated travel insurance plans for international visitors are Patriot America Plus, Global Medical Insurance, and Safe Travels Elite. Each of these offers unique benefits tailored to different types of travelers, from tourists and business visitors to students and long-term expats.

In this guide, we’ll compare these three plans based on coverage, eligibility, benefits, and costs to help you make an informed decision.

Patriot America plus: A Popular Choice for USA Visitors

Underwriter: Sirius Point Specialty Insurance Corporation
Administrator: IMG (International Medical Group)
Coverage Area: USA and international travel

Key Features:

  • Designed specifically for non-U.S. citizens visiting the USA.
  • Coverage up to $1 million with various deductible options.
  • Acute onset of pre-existing conditions covered up to a specified limit.
  • Emergency medical evacuation and repatriation included.
  • Renewable up to 2 years.

Best For:

  • Senior travelers and first-time visitors to the USA.
  • Visitors needing comprehensive acute onset of pre-existing conditions coverage.

Global Medical Insurance (GMI): Long-Term Health Coverage

Underwriter: Sirius International
Administrator: IMG

Key Features:

  • Designed for expats and long-term travelers.
  • Customizable coverage with modules (e.g., outpatient, maternity, dental, vision).
  • Worldwide coverage, including or excluding the USA.
  • Annual coverage limits from $1 million to $8 million.
  • Premiums vary based on age, coverage area, and benefits selected.

Best For:

  • Global nomads, international employees, and long-term residents abroad.
  • Those needing comprehensive and customizable health insurance.

Safe Travels Elite: Affordable Coverage for Budget Travelers

Underwriter: Crum & Forster
Administrator: Trawick International

Key Features:

  • Coverage from 5 days to 364 days.
  • Medical expense coverage up to $175,000 (depending on age).
  • Offers trip interruption, baggage loss, and AD&D benefits.
  • Covers acute onset of pre-existing conditions up to 69 years.
  • COVID-19 coverage included (treated like any other illness).

Best For:

  • Budget-conscious visitors seeking short-term coverage.
  • Tourists visiting the USA or traveling internationally for a brief period.

Plan Comparison Table

Feature

Patriot America Plus

Global Medical Insurance

Safe Travels Elite

Max Coverage

Up to $1 million

Up to $8 million

Up to $175,000

Policy Duration

Up to 2 years

Annual (renewable)

Up to 364 days

Pre-Existing Conditions

Acute onset covered

Limited optional module

Acute onset (to 69)

COVID-19 Coverage

Yes

Yes

Yes

Suitable For

USA visitors

Long-term expats

Short-term tourists

Renewability

Yes

Yes

No

Frequently Asked Questions (FAQs)

1. Which plan is best for elderly parents visiting the USA?

Patriot America Plus is ideal, especially because it includes acute onset of pre-existing condition coverage and higher policy maximums.

2. Does Safe Travels Elite cover COVID-19?

Yes, Safe Travels Elite treats COVID-19 like any other illness and provides coverage accordingly.

3. Can I use Global Medical Insurance for travel to multiple countries?

Absolutely. GMI offers worldwide coverage and is perfect for digital nomads, expats, and international workers.

4. Are these plans accepted at hospitals in the USA?

Yes, all three plans offer access to extensive PPO networks and support for direct billing in many U.S. hospitals.

5. Can I purchase a plan after arriving in the USA?

Yes, but it is always better to buy insurance before arrival to ensure full coverage from day one.

Conclusion

Choosing the right travel insurance plan depends on your travel duration, medical needs, and budget. Patriot America Plus is a strong option for those needing high coverage in the USA, Global Medical Insurance suits long-term international living, and Safe Travels Elite is perfect for budget-friendly, short-term travel.

For expert advice and to compare these plans side-by-side, trust Visitors Insurance—your trusted partner in securing travel health coverage that fits your journey and peace of mind.

We hope this article has helped you better understand your Visitors Insurance options.

If you need help generating a new quote, please email us at info@visitorsinsurance.com and share the travelers ages, travel dates, visa/green card status, and destination country for the quickest response.

You can also generate a quote here - https://www.visitorsinsurance.com

If you have any other questions or feedback regarding this post, you can reach us via email at info@visitorsinsurance.com, toll-free at 800-344-9540/847-897-5120. Or via phone or WhatsApp at 847-897-5120. 

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