Back to home
Plan Comparison
Top plans compared, benefit by benefit
Swipe to see the full table · tap a benefit name for its definition
| Benefit | 1 IMG Patriot America Plus Top pick for ages 69 & underor Platinum | 2 Trawick Safe Travels USA Senior-friendlyComprehensive | 3 IMG Visitors Protect Covers pre-existing conditions |
|---|---|---|---|
Coverage details | |||
| Comprehensive Medical Comprehensive Medical | Paid at the coinsurance rate up to the policy maximum | Paid at the coinsurance rate up to the policy maximum | Paid at the coinsurance rate up to the policy maximum |
| Hospital (room & board) Hospital Room & Board | Paid at the coinsurance rate up to the policy maximum At the standard semi-private room rate | Paid at the coinsurance rate up to the policy maximum At the standard semi-private room rate | Paid at the coinsurance rate up to the policy maximum At the standard semi-private room rate Related services capped separately at $40,000 |
| Intensive care unit Intensive Care Unit (ICU) | Paid at the coinsurance rate up to the policy maximum | Up to 3x the standard room rate | Paid at the coinsurance rate up to the policy maximum |
| Hospital indemnity Hospital Indemnity | $250 / night Up to 10 nights, capped at $2,500 | $50 / night Up to 10 nights, capped at $500 | Not offered |
| Acute onset of pre-existing conditions Acute Onset of Pre-existing Conditions | Ages 69 & under: paid at the coinsurance rate up to the policy maximum Ages 70 & over: acute onset of pre-existing conditions not covered | Ages 69 & under: paid at the coinsurance rate up to the policy maximum Ages 70–79: up to $35,000 Ages 80 & over: up to $20,000 | Falls under general pre-existing conditions (see next row) |
| Pre-existing conditions Pre-existing Conditions | Not covered | Not covered | Covered, but a $1,500 deductible applies first Ages 69 & under: cap of $25,000 Ages 70 & over: cap of $20,000 |
| Heart attack & stroke Heart Attack & Stroke | Paid at the coinsurance rate up to the policy maximum | Ages 69 & under: up to $25,000 Ages 70 & over: up to $15,000 | Included in the general medical limit |
| Emergency medical evacuation Emergency Medical Evacuation | Plus: up to $1,000,000 Platinum: paid up to the policy maximum | Up to $1,000,000 Acute onset of pre-existing conditions capped separately at $25,000 | Up to $25,000 |
| Physical therapy Physical Therapy | Paid at the coinsurance rate up to the policy maximum | $50 / visit, up to 10 visits Capped at $500 | Paid at the coinsurance rate up to the policy maximum |
| Emergency dental Emergency Dental | Acute toothache: up to $300 Injury to teeth: paid at the coinsurance rate up to the policy maximum | Acute toothache and accidental injury to teeth: up to $250 combined | Capped at $300, deductible applies first Then paid at 75%, so you receive less than $300 |
| Lost luggage / trip interruption Lost Luggage / Trip Interruption | Luggage: $50 / item, up to $500 Trip interruption: up to $10,000 | Luggage: up to $1,000 Trip interruption: up to $5,000 | Not offered |
| Political / natural disaster evacuation Political / Natural Disaster Evacuation | Political evacuation: up to $100,000 Natural disaster: up to $25,000 | Political evacuation: up to $25,000 Natural disaster: up to $10,000 | Not offered |
Limits, costs & network | |||
| PPO network PPO Network | Large nationwide PPO network (UHC or FirstHealth) | Large nationwide PPO network (UHC or FirstHealth) | Large nationwide PPO network (UHC or FirstHealth) |
| Maximum coverage Maximum Coverage | Plus: up to $1,000,000 Platinum: up to $8,000,000 Ages 70–79: cap of $100,000 Ages 80 & over: cap of $10,000 | Up to $1,000,000 | Ages 69 & under: up to $250,000 Ages 70 & over: up to $50,000 |
| In-network coinsurance In-Network Coverage | 100% | 100% | 75% You pay 25% |
| Out-of-network coinsurance Out-of-Network Coverage | Plus: first $500 at 90%, then 100% Platinum: 100% | 100% At usual and reasonable rates | 60% You pay 40% |
| Deductible options Deductible | Plus: $0 – $2,500 Platinum: $0 – $25,000 | $0 – $5,000 Several tiers to choose from | $250 – $5,000 |
| Walk-in clinic copay Walk-in Clinic Copay | $15 Waived with the $0 deductible | $15 Waived with the $0 deductible | $15 in-network / $25 out-of-network Not subject to the deductible |
| Urgent care copay Urgent Care Copay | $25 Waived with the $0 deductible | $30 Waived with the $0 deductible | $25 in-network / $50 out-of-network Not subject to the deductible |
| ER additional deductible ER Additional Deductible | $250 Waived for accidental injury | $200 Waived for accidental injury | $250 Waived for accidental injury |
| Coverage period Coverage Period | From 5 days Plus up to 2 years / Platinum up to 3 years | From 5 days, up to 364 days | From 90 days, up to 12 months |
Important · Pre-certification | |||
| Hospital / surgery pre-certification Pre-certification | Pre-certification requirements and timing vary by plan and service. Contact the administrator promptly using the number on your ID card; failure to comply may affect eligible expenses or specific benefits. Pre-certification does not guarantee coverage. For a medical emergency, seek care first and notify the insurer or assistance provider as soon as it is safe to do so. | ||
* The terms above are for reference only and insurer policies may change at any time. The plan details in the quote tool and the official policy documents sent on your confirmation date govern.
Ready for a real-time quote?
Answer 3 questions to see your recommended plans and live premiums