Patriot Platinum International vs VisitorsCoverage Choice America Plus
VisitorsCoverage Choice America Plus runs roughly $175 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. The table below calls the winner on each point.
VisitorsCoverage Choice America Plus carries this one 3 to 2. The decisive lines are typical premium band and age eligibility; the consolation for Patriot Platinum International is hospital network size.
Side-by-side: who wins what
| Feature | Patriot Platinum International | VisitorsCoverage Choice 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 | Large | Patriot Platinum International |
| Typical premium band | ~$615 | ~$175 | VisitorsCoverage Choice America Plus |
| Avg claim settlement | 20 days | 20 days | |
| Age eligibility | 14-99 | 0-99 | VisitorsCoverage Choice 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 VisitorsCoverage Choice America Plus settle directly with US hospitals — no $50k credit card hold at admission.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both IMG and Visitors Coverage 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.
Premium is materially higher than Patriot America; PED only acute-onset up to age 79.
Network depth varies by state — confirm hospital access at destination.
Other comparisons you might want
More comparisons for Patriot Platinum International
More comparisons for VisitorsCoverage Choice America Plus
Treat this page as a decision aid, not insurance advice. We have no commercial relationship with IMG or Visitors Coverage; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.