ICICI Lombard Travel USA vs Patriot Exchange Program
ICICI Lombard Travel USA runs roughly $145 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. Read on for the line-by-line scorecard.
If lowest deductible and hospital network size is what you'd actually claim on, Patriot Exchange Program is the safer pick. ICICI Lombard Travel USA only beats it on typical premium band and age eligibility, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | ICICI Lombard Travel USA | Patriot Exchange Program | Winner |
|---|---|---|---|
| Coverage limit | $500k | $500k | |
| Lowest deductible | $100 | - | Patriot Exchange Program |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Mid | Very large | Patriot Exchange Program |
| Typical premium band | ~$145 | ~$278 | ICICI Lombard Travel USA |
| Avg claim settlement | 30 days | 20 days | Patriot Exchange Program |
| Age eligibility | 0-99 | 14-65 | ICICI Lombard Travel USA |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $500k | $500k | |
| 24×7 support | Yes | Yes |
Where they're the same
- ICICI Lombard and IMG both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both ICICI Lombard and IMG keep a round-the-clock claims line, not just business hours.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
PED acute-onset cap is $25k, lower than premium peers.
Strict eligibility (visa-based); coverage thinner than Patriot America for general visitors.
Other comparisons you might want
More comparisons for ICICI Lombard Travel USA
More comparisons for Patriot Exchange Program
Treat this page as a decision aid, not insurance advice. We have no commercial relationship with ICICI Lombard or IMG; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.