Faye Travel Protection vs Patriot Exchange Program
Faye Travel Protection runs roughly $185 for a typical trip — noticeably less than Patriot Exchange Program at around $278. The question is whether the savings come at the cost of coverage you'll actually use. We break down what that means for a real hospital visit.
Net-net: Faye Travel Protection wins this matchup, mostly because of typical premium band and avg claim settlement. Patriot Exchange Program isn't out — it leads on a couple of secondary lines — but the overall scorecard goes 4–0.
Side-by-side: who wins what
| Feature | Faye Travel Protection | Patriot Exchange Program | Winner |
|---|---|---|---|
| Coverage limit | $500k | $500k | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Very large | |
| Typical premium band | ~$185 | ~$278 | Faye Travel Protection |
| Avg claim settlement | 10 days | 20 days | Faye Travel Protection |
| Age eligibility | 0-85 | 14-65 | Faye Travel Protection |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $500k | |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Faye Travel Protection and Patriot Exchange Program settle directly with US hospitals — no $50k credit card hold at admission.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
Newer carrier; PED window narrower than legacy plans.
Strict eligibility (visa-based); coverage thinner than Patriot America for general visitors.
Other comparisons you might want
More comparisons for Faye Travel Protection
More comparisons for Patriot Exchange Program
Treat this page as a decision aid, not insurance advice. We have no commercial relationship with Faye or IMG; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.