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Compare IMG Patriot America Lite vs Patriot America Plus

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 IMG Patriot travel insurance for USA

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End Date
Coverage
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Compare Travel Plans
 Patriot America Lite  
versus
 Patriot America Plus  
Patriot America Lite
Plan Maximum
Deductible
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Patriot America Plus
Plan Maximum
Deductible
  Buy Now   
Insurance Providers
Covid19 Coverage Covered Covered
Coinsurance
In Network - The plan pays 100%
Out of Network - The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
In Network: Plan pays 100%
Out of Network: Plan pays 80% of eligible expenses up to $5K, then 100%
Length of Coverage 5 days to 365 days Minimum : 5 days
Maximum : 364 days
Renewability Yes : Up to 364 days Yes : 5 days to 364 days
 Medical Benefits
Hospital room and board
Average semi-private room rate, including nursing services
Average semi-private room rate, including nursing services.
Intensive care unit
Up to the overall maximum limit.
Up to the overall maximum limit
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
Urgent Care Clinic
$25 copay for urgent care center. 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
 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
 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
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
Up to the maximum limit.(Insured person must be under 70 years of age)
Up to the maximum limit.(Insured person must be under 70 years of age)
 Life
AD&D
$50K principal sum. Death must occur within 90 days of the accident. Not subject to deductible
$50,000 principal sum. Not subject to deductible
Common carrier AD&D $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
 Evacuation
Emergency medical evacuation
Up to the maximum limit. Not subject to deductible
 Up to the maximum limit. Not subject to deductible
Emergency reunion Up to $100K maximum limit (not subject to deductible or coinsurance) Up to $100K maximum limit (not subject to deductible or coinsurance)
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 Up to $100K lifetime maximum (not subject to deductible or coinsurance).
Natural disaster evacuation $25,000 maximum limit. Not subject to deductible or coinsurance $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company)
Trip interruption Covered Covered
Terrorism $50,000 maximum limit. Not subject to deductible $50,000 maximum limit. Not subject to deductible
Unique Advantages
  • Plan is available for both US citizens and Non US citizens living abroad visiting the US
  • This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US
  • US expats looking to visit the US can buy Patriot travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
 Travel Insurance
Rating AM Best Rating: "A" (Excellent) “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Underwriter Crum & Forster SPC Sirius International Insurance Corporation
Brochure and Details
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Compare Patriot America Lite vs Patriot America Plus

International tourists visiting USA must be aware of the rising health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA.Here the visitor can compare US visitor insurance cost of Patriot America Plus insurance and Safe Travels USA Comprehensive insurance plans by reviewing their unique Visitors medical insurance benefits.

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).

Factors for comparing Patriot America Lite vs Patriot America Plus insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Patriot America Lite vs Patriot America Plus Insurance visitors travel insurance:

Compare medical maximum coverage:

This the maximum coverage expense that the plan would offer for the medical expenses. Patriot America Lite and Patriot America Plus offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.

Compare deductible options:

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. All of these plans offer a set of deductible options for the travelers to choose from Patriot America Plus and Patriot America Lite insurance have a range of deductible option from $0 up to $2500.

Compare provider network:

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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 coinsurance options:

This is a percentage of the bill that the travel has to pay. Both Patriot America plus and Patriot America Lite pays in-network it pays 100% and in out of network it pays 80% of eligible expenses up to $5K, then 100%.

Contrast the renewability options:

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Lite insurance can be extended for a minimum of 5 days to 364 days. Patriot America plus can be renewed for upto to 24 months.

Compare eligibility options:

All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Lite People travelling outside their home country whose destination includes the US and its territories. Patriot America Plus as US citizens living outside USA who want to visit US.

Acute onset of Pre-existing conditions coverage:

Patriot America plus Covers Up to the maximum limit.(Insured person must be under 70 years of age)

Average cost of the plans:

Patriot America Lite and Patriot America Plus Insurance

Patriot America Lite Insurance vs Patriot America Plus - FAQs

  • Patriot America Lite - FAQ's

    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.

  • Patriot America Plus - FAQ's

    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.

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IMG Patriot America Plus travel insurance

We also offer IMG Patriot America Plus international travel insurance plans and can compare and buy online. Click here to read more »

Patriot travel insurance forum

Queries regarding Patriot Travel coverage benefits, coverages and Pre-existing conditions.Click here to read more »

IMG Patriot Travel medical insurance

Compare Patriot travel health insurance plans benefits and review coverage for travelers outside their home country or visiting USA. Click here to read more »

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Compare Visitor health insurance

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Review travel medical insurance plans - Blogs and articles

Patriot America Plus:

Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. Patriot America Plus US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.

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Patriot America Lite:

Patriot America Lite offers comprehensive short term medical insurance coverage to international travelers traveling outside their residence country whose destination includes the United States or its territories. It is popular among visitors to US and is offered by a top rated insurance provider with a AM best rating of “A” (excellent).

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Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers