Patriot America vs Patriot Exchange Program
Patriot America runs roughly $168 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.
Patriot America carries this one 7 to 3. The decisive lines are coverage limit and typical premium band; the consolation for Patriot Exchange Program is hospital network size and avg claim settlement.
Side-by-side: who wins what
| Feature | Patriot America | Patriot Exchange Program | Winner |
|---|---|---|---|
| Coverage limit | $1M | $500k | Patriot America |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Very large | Patriot Exchange Program |
| Typical premium band | ~$168 | ~$278 | Patriot America |
| Avg claim settlement | 30 days | 20 days | Patriot Exchange Program |
| Age eligibility | 14-99 | 14-65 | Patriot America |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $500k | Patriot America |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Patriot America 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.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
Acute-onset PED capped at $1,000 lifetime — very limited if pre-existing conditions exist
Strict eligibility (visa-based); coverage thinner than Patriot America for general visitors.
Other comparisons you might want
More comparisons for Patriot America
More comparisons for Patriot Exchange Program
This comparison reflects publicly available IMG and IMG plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Patriot America and Patriot Exchange Program certificates are the source of truth.