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While doing your research prior to purchasing visitors insurance, you are likely to come across many plans. The travel medical insurance plans below (Visitors Care, Patriot America Lite and Patriot America Plus) may look similar, but they have important differences.
Even though the travel medical insurance plans below would work for anyone visiting United States, there are certain differences that are important to understand before purchasing in order to make an educated decision.
If you have any concerns, doubts or questions, please refer to the individual policy details for complete information as it is not possible to accurately represent all the details concisely, such as follows. If there is any discrepancy between this comparison and the actual policy details, the policy details will prevail.
All the amounts are in U.S. dollars.
Routine physicals and vision (eyeglasses, etc.) are not covered in any of the plans.
Note: For all Comprehensive Coverage Plans, benefits are the same regardless of the policy maximum unlike Fixed Coverage Plans.
Swipe to the right view all plans |
VC
Visitors Care® |
PAL
Patriot America® Lite |
PAP
Patriot America® Plus |
---|---|---|---|
Plan Type | Fixed | Comprehensive | Comprehensive |
How Plan Works |
After the deductible once per policy period, a fixed amount for each and every procedure as listed in the schedule of benefits and you pay the difference beyond that yourself. More Details |
After the annual deductible, the plan pays 100% up to the policy maximum. More Details |
After the annual deductible, the plan pays 100% up to the policy maximum. More Details |
Deducitible | Per Policy Period | Annual | Annual |
Acute Onset of Pre-Existing Conditions | For persons under 70: Medical up to policy maximum. | -- | For persons under 70: Medical up to policy maximum. |
PPO Network | -- |
United Healthcare PPO Network negotiated fees in network. |
United Healthcare PPO Network negotiated fees in network. |
Extendable | Yes, minimum initial purchase 5 days | Yes, minimum initial purchase 5 days | Yes, minimum initial purchase 5 days |
Emergency Medical Evacuation |
Visitors Care Lite: $25,000 Visitors Care Plus, Visitors Care Platinum: $50,000 |
$1,000,000 | $1,000,000 |
Repatriation of Mortal Remains | $25,000 | To policy maximum | To policy maximum |
Loss of Checked Luggage | -- | $50/item, $500 maximum | $50/item, $500 maximum |
Injury to Teeth in an Accident | $550 per period of coverage | To Policy Maximum | To Policy Maximum |
Plan Details |
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