Patriot America vs Patriot America Plus
Patriot America runs roughly $168 for a typical trip — noticeably less than Patriot America Plus at around $215. 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.
If hospital network size and age eligibility is what you'd actually claim on, Patriot America Plus is the safer pick. Patriot America only beats it on typical premium band, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | Patriot America | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Very large | Patriot America Plus |
| Typical premium band | ~$168 | ~$215 | Patriot America |
| Avg claim settlement | 30 days | 30 days | |
| Age eligibility | 14-99 | 0-99 | Patriot America Plus |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- IMG and IMG both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- 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
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
More comparisons for Patriot America
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 America Plus certificates are the source of truth.