Patriot Platinum International vs Patriot America Plus
Patriot America Plus runs roughly $215 for a typical trip — noticeably less than Patriot Platinum International at around $615. 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 typical premium band and age eligibility is what you'd actually claim on, Patriot America Plus is the safer pick. Patriot Platinum International only beats it on avg claim settlement, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | Patriot Platinum International | 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 | Very large | Very large | |
| Typical premium band | ~$615 | ~$215 | Patriot America Plus |
| Avg claim settlement | 20 days | 30 days | Patriot Platinum International |
| 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
- Both Patriot Platinum International and Patriot America Plus 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.
Premium is materially higher than Patriot America; PED only acute-onset up to age 79.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
More comparisons for Patriot Platinum International
More comparisons for Patriot America Plus
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 Platinum International and Patriot America Plus certificates are the source of truth.