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Patriot America Lite vs Patriot America Plus Insurance

Compare travel insurance benefits offered by Patriot America Lite and Patriot America Plus insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel. Compare price and benefits to find the best US travel medical insurance plan for your needs.

Compare Patriot America Lite and Patriot America Plus plans

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Patriot America Plus
versus
 Patriot America Lite 
Patriot America Plus
Plan Maximum
Deductible
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Patriot America Lite
Plan Maximum
Deductible
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Covid19 Coverage Patriot America Plus insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Patriot America Lite insurance does not covers COVID-19.
Eligibility
  • Non US citizens travelling to the USA.
  • US citizens living outside USA who want to visit US.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.
  • Patriot America Lite travel insurance for US B1 visitors offers coverage for business trips
  • People travelling outside their home country whose destination includes the US and its territories.
  • US citizens living outside USA who want to visit US
Coinsurance Coverage in US
In PPO- The plan pays 100%.
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage in US
In PPO-The plan pays 100%.
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100%
Renewability Yes up to 2 years if initial purchase is 1 month Yes up to 2 years if initial purchase is 1 month
Length of Coverage Plan can be purchased for a minimum of 5 days up to a maximum of 2 years Plan can be purchased for a minimum of 5 days up to a maximum of 2 years
 In-Patient Medical Benefits
Hospital room and board? Average semi-private room rate up to the maximum limit. Includes nursing service Average semi-private room rate up to the maximum limit. Includes nursing service
Eligible medical expenses? Up to the maximum limit Up to the maximum limit
Surgery? Up to the maximum limit Up to the maximum limit
Intensive care unit? Up to the overall maximum limit Up to the overall maximum limit
Bedside visit? $1,500 maximum limit. Not subject to deductible $1,500 maximum limit. Not subject to deductible
Hospital indemnity? $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
 Out-Patient Medical Benefits
Physician visits? Up to the maximum limit Up to the maximum limit
Urgent Care Clinic? $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray? Up to the maximum limit Up to the maximum limit
Walk-In Clinic? $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory? Up to the maximum limit Up to the maximum limit
Physical Therapy? Up to the maximum limit (Medical order or treatment plan required) Up to the maximum limit (Medical order or treatment plan required)
Assistant Surgeon? 20% of the primary surgeon’s eligible fee) 20% of the primary surgeon’s eligible fee
Prescription Drugs and Medications? Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Reconstructive Surgery? Up to the maximum limit Up to the maximum limit
 Emergency Services
Emergency local ambulance? Up to the maximum limit Up to the maximum limit
Hospital emergency room? Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer? Company pays 100% Company pays 100%
Emergency eye examination? $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
 Dental
Emergency dental treatment? $300 maximum limit due to accident or unexpected pain to sound natural teeth $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury? Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
 Evacuation
Emergency medical evacuation? Up to the maximum limit. Not subject to deductible Up to the Maximum Limit
Emergency reunion? $100,000 maximum limit. Not subject to deductible $100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial? Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children? $100,000 maximum limit. Not subject to deductible $100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation? $100,000 maximum limit. Not subject to deductible $100,000 maximum limit. Not subject to deductible
Natural disaster evacuation? $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company)
 Trip Protection
Natural disaster? $250 per day and maximum limit of five days for accommodations. Not subject to deductible. $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Trip interruption? $10,000 maximum limit. Not subject to deductible $10,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death? $500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person) $500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person)
Identity theft? $500 maximum limit. Not subject to deductible $500 maximum limit. Not subject to deductible
Terrorism? $50,000 maximum limit. Not subject to deductible $50,000 maximum limit. Not subject to deductible
Lost luggage? $50 per item, $500 maximum limit. Not subject to deductible $50 per item, $500 maximum limit. Not subject to deductible

 Acute Onset of Pre-Existing Condition

Acute Onset of Pre-Existing Conditions?
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
Not Covered
 Life
Accidental death & dismemberment? $50,000 principal sum. Not subject to deductible. $50,000 principal sum.
Common carrier accidental death? $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible

 Other Benefits

Extended care facility? Up to the maximum limit Up to the maximum limit
Pet return? $1,000 maximum limit. Not subject to deductible $1,000 maximum limit. Not subject to deductible
Durable medical equipment? Up to the maximum limit Up to the maximum limit
Personal liability? $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property
Unique Advantages
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Lite Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
  • Patriot America Plus: Available for green card holders as long as their primary residence is outside the US.
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Lite Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
 Travel Insurance
US Network of hospitals and doctors US PPO Network US PPO Network
Underwriter Patriot America Plus Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot America Lite Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating Patriot America Plus Insurance Rating
“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Patriot America Lite Insurance Rating
AM Best Rating: "A" (Excellent)
Brochure and Details

Compare Patriot America Lite Insurance and Patriot America Plus Insurance

Travelling outside your home country involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Majority of the travelers are senior citizens and parents visiting their children working or living in a foreign country. In destinations like the US where the health care is sophisticated and extremely high especially for older travelers.

The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. Some of the senior citizen travelers would look for visitors insurance with pre-existing conditions coverage. International Medical Group offers, Patriot America Plus and Patriot America Lite Insurance which is quite popular among International tourists to USA. Patriot America Plus and Patriot America Lite Insurance ratings by AM Best Rating is A++ (Superior). These are the two best visitors insurance for USA. Patriot America Plus Insurance offers coverage for acute onset of pre-existing conditions up to 69 years while Patriot America Lite Insurance doesn’t offer coverage for pre-existing medical ailments.

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Factors to consider while comparing Patriot America Lite and Patriot America Plus?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Lite Insurance and Patriot America Plus Insurance::
  • Compare visitor medical insurance maximum coverage between Patriot America Lite Insurance and Patriot America Plus Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America Lite Insurance offers maximum coverage up to 1 million while Patriot America Plus Insurance also offers maximum coverage up to 1 million. Patriot America Lite offers $10,000 maximum for older travelers above 80 years while Patriot America Plus $10,000 maximum for older travelers above 80 years.
  • Compare visitors health insurance deductible options between Patriot America Lite Insurance and Patriot America Plus Insurance:
    This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible. Patriot America Lite Insurance and Patriot America Plus Insurance both offer a set of deductible options for the travelers to choose from. Patriot America Lite Insurance and Patriot America Plus Insurance have a range of deductible option from $0 up to $2,500.
  • Compare travel medical insurance provider network for Patriot America Lite Insurance and Patriot America Plus Insurance:
    It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
  • Compare travel insurance coinsurance options for Patriot America Lite Insurance and Patriot America Plus Insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Lite Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network.While Patriot America Plus Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network
  • Contrast the travel health Insurance renewability options for Patriot America Lite Insurance and Patriot America Plus Insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay.Patriot America Lite Insurance and Patriot America Plus Insurance both can be renewed up to a total of maximum of 2 years.
  • Compare eligibility options of US visitors travel insurance for Patriot America Lite Insurance and Patriot America Plus Insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Lite Insurance and Patriot America Plus Insurance have a time restrictions that it has to be bought within 30 days of arrival in the US.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America Lite Insurance and Patriot America Plus Insurance:
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions. While Patriot America Lite Insurance has no coverage for acute onset of pre-existing condition.

Patriot America Lite Insurance vs Patriot America Plus - FAQs

  • Does Patriot America Lite insurance cover Covid ? Does Patriot America Lite insurance cover Coronavirus ?
    Patriot America Lite insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.

    Is IMG travel insurance legit? Is IMG a real insurance company?
    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

    Can I buy Patriot America Lite insurance after my arrival in the US?
    Yes Patriot America Lite insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot America Lite insurance within a 6 month time period after arriving in the US.

    Does Patriot America Lite Insurance cover pre-existing conditions?
    International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

    Can US citizens buy Patriot America Lite insurance?
    Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.

    How can one use Patriot America Lite visitor medical insurance in case of emergency in USA?
    Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

    I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Lite insurance?
    Yes Patriot America Lite Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Lite insurance online.

    Does IMG sell Cancel for Any Reason Insurance?
    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

    What does IMG insurance stand for?
    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

    Is IMG a good travel insurance company?
    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
  • What is acute onset of pre-existing condition?
    Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

    Is IMG travel insurance legit? Is IMG a real insurance company?
    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

    Does Patriot America Plus insurance cover Covid ? Does Patriot America Plus insurance cover Coronavirus?
    Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

    Can I buy Patriot America Plus insurance after my arrival in the US?
    Yes, the Patriot America Lite insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.

    Does Patriot America Plus Insurance cover pre-existing conditions?
    Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

    How does Patriot America Plus insurance offer coverage for medical expenses?
    Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
    For detailed working example of how it works, you can review Patriot America Plus insurance working example.

    Can US citizens buy Patriot America Plus insurance??
    Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.

    How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?
    Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

    I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?
    Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.

    Does IMG travel insurance cover Covid?
    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

    Does IMG sell Cancel for Any Reason Insurance?
    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

Compare travel medical insurance

Baggage
International travel insurance resources for outside your home country Know more
medical
Different US travel insurance options, fixed benefits vs comprehensive coverage. Know more
expat insurance
Important factors to consider while deciding on the best travel insurance. Know more
Quarantine travel insurance coverage
A fall/illness could become more serious for the older traveler. Know more
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