Patriot Travel Medical vs Patriot America Plus
Patriot Travel Medical brings a $2M medical limit to the table; Patriot America Plus caps out at $1M. That gap matters most if a visiting parent needs ICU or surgery — the kind of bills a US hospital writes in six figures. We break down what that means for a real hospital visit.
Patriot America Plus carries this one 6 to 5. The decisive lines are direct billing at hospitals and hospital network size; the consolation for Patriot Travel Medical is coverage limit and typical premium band.
Side-by-side: who wins what
| Feature | Patriot Travel Medical | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $2M | $1M | Patriot Travel Medical |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | No | Yes | Patriot America Plus |
| Hospital network size | Mid | Very large | Patriot America Plus |
| Typical premium band | ~$200 | ~$215 | Patriot Travel Medical |
| 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
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both IMG and IMG keep a round-the-clock claims line, not just business hours.
- Neither plan is fixed-benefit; both reimburse real charges up to the medical limit, which is what you want for an unpredictable US bill.
- If the visit gets extended, both can be renewed mid-trip without re-buying from scratch.
Outside US it is reimbursement-based — pay first, claim later
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
More comparisons for Patriot Travel Medical
More comparisons for Patriot America Plus
BackToIndia is independent — we don't sell Patriot Travel Medical or Patriot America Plus and earn nothing from either IMG or IMG. Plan data is reviewed by our editorial team in 2026; always confirm specifics against the official policy wording before purchase.