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Compare Visitors Insurance

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Visitors Care - $50,000 vs Patriot America Plus Insurance

While doing research to purchase visitors insurance, you may come across many plans. Two travel medical insurance plans may look similar: Visitors Care - $50,000 vs Patriot America Plus Insurance

Even though both the travel medical insurance plans would work for anyone visiting United States, there are certain differences that would be important to understand 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.

Following is the high level comparison of various international medical insurance plans. Please use this comparison as a guide only and do not make any decisions solely based on this comparison. 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 in concise comparison such as follows. Please call us for further details. If there is any discrepancy between this comparison and the actual policy details, the policy details will override.

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.

General

Visitors Care - $50,000
Fixed Coverage
After deductible, plan pays fixed amounts for each procedure and you pay the difference.
Patriot America Plus
Comprehensive
After deductible, plan pays 100% (80% up to $5,000 outside the network, then 100%) to policy maximum.

Medical - Outpatient

Up to $55 per visit, 10 visits per annual period
Up to $55 per visit, 10 visits per annual period
Up to $55 per visit, 10 visits per annual period
Up to $55 per visit, 10 visits per annual period
Up to $330 per visit

No coverage if not admitted to hospital, unless for injury.
Up to $330 per visit

No coverage if not admitted to hospital, unless for injury.
Up to $250 per annual period
Up to $250 per annual period
Up to $800 per annual period
Up to $3,300 per surgical session
To policy maximum
To policy maximum
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
Co-insurance still applies.
US-Urgent Care: Deductible waived, $25 copay; unless $0 deductible.
US-Walk-in Clinic: Deductible waived, $15 copay; unless $0 deductible.
Co-insurance still applies.
To policy maximum.

Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum.

Extra $250 deductible for illness visit that does not result in hospital admission.
To policy maximum, 90 day supply per prescription.
To policy maximum, 90 day supply per prescription.
To policy maximum
To policy maximum

Medical - Inpatient

Up to $1,400 per day, 30 days maximum per annual period
Up to $2,060 per day, 8 days maximum per annual period
Up to $3,300 per surgical session
Up to $825 per surgical session
Up to $825 per surgical session
Up to $55 per visit, 30 visits per annual period
Up to $450 per annual period
Up to $1,100 per annual period
To policy maximum, average semi-private room including nursing services.
To policy maximum
To policy maximum
To policy maximum
20% of primary surgeon charge. No standby availability coverage.
To policy maximum
To policy maximum
To policy maximum

Medical - Other Treatment And Services

-
Same as any other eligible medical expense
-
-
-
Up to $450 per annual period

No coverage if not admitted to hospital, unless for injury.
-
-
Up to $40 per visit, 12 visits per annual period
None
None
None
Optional: Heart Care Plus Rider, $5,000 ($2,500 for 70+) for hospitalization due to heart attack or stroke.
Optional: Heart Care Plus Rider, $5,000 ($2,500 for 70+) for hospitalization due to heart attack or stroke.
-
-
-
Same as any other eligible medical expense
Hospital bed or wheelchair: Rental, up to purchase prices.
-
Optional
To policy maximum, if covered injury/illness results in hospitalization admission.
-
-
To policy maximum

Must be ordered in advance by physician.
Acute onset only, for persons under 70: Medical to policy maximum. $25,000 Medical Evacuation.
Acute onset only, for persons under 70: Medical to policy maximum. $25,000 Medical Evacuation.

Dental

-
Up to $550 per annual period
$300
To policy maximum

Life

-
$5,000; $25,000 maximum per family
$25,000
$50,000 per person. Maximum $250,000 per family.

Other

-
-
Incidental: 14 days after 30 days continuous coverage
-
-
-
$50,000
-
Included
-
Incidental: 14 days after 30 days continuous coverage.
$100 per night, maximum of 10 nights.
$500
$250 per day, 5 day maximum for accommodations.
$50,000
Included

Plan Features

Before effective date, full refund.

After effective date, pro-rated refund minus $25 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum to 2 years maximum
$0
$0
-
Email
Postal Mail
Courier
Annual
$0 Up to 69
$50
$100
Lifetime Maximum
$10,000 Age 80+
$25,000 Up to 79
$50,000 Up to 79
$100,000 Up to 79
International Medical Group (IMG)
Sirius International
Before effective date, full refund.

After effective date, pro-rated refund minus $50 cancellation fee as long as no claims have been filed since the effective date.
5 days minimum up to 2 years maximum
$0
$0
Personal Liability: $10,000;
Political Evacuation and Repatriation: $10,000; must be approved in advance by the administrator.
Email
Postal Mail
Courier
Annual
$0
$100
$250
$500
$1,000
$2,500
Lifetime Maximum
$10,000 Age 80+
$50,000 Up to 79
$100,000 Up to 69
$500,000 Up to 69
International Medical Group (IMG)
Sirius International
  • This comparison only shows major differences between any two given plans. For a more comprehensive comparison, please see the Detailed Comparison tab above.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • Coverages shown are per person unless noted otherwise.
  • Home country for IMG (Patriot products, Visitors Care) - The country where an insured person(s) has his/her true, fixed and permanent home and principal establishment.
  • Home country for Tokio Marine HCC - MIS Group (Atlas, VisitorSecure) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, your home country is where you principally reside and receive regular mail.
  • Home country for Seven Corners (Inbound products, Liaison products) - If you are a U.S. citizen, your home country is the United States, regardless of the location of your principal residence. If you are not a U.S. citizen, home country is the country where you principally reside and receive regular mail.
  • Green Cover - Benefits shown here are for Part A and Part B purchased together; if only one part (either A or B) is purchased, then benefits will differ from those shown here.
  • To policy maximum, refers to the Usual, Reasonable and Customary charges (URC).
  • Coverages shown are per person unless noted otherwise.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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