INF Elite vs Patriot America Plus
INF Elite carries full pre-existing-condition cover, while Patriot America Plus only offers acute-onset PED cover only. For most parents over 60 with even one chronic condition, that single line decides the comparison. We break down what that means for a real hospital visit.
Net-net: INF Elite wins this matchup, mostly because of coverage limit and pre-existing condition cover. Patriot America Plus isn't out — it leads on hospital network size and typical premium band — but the overall scorecard goes 7–5.
Side-by-side: who wins what
| Feature | INF Elite | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $1.5M | $1M | INF Elite |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Full | Acute-onset | INF Elite |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Very large | Patriot America Plus |
| Typical premium band | ~$390 | ~$215 | Patriot America Plus |
| Avg claim settlement | 30 days | 30 days | |
| Age eligibility | 0-89 | 0-99 | Patriot America Plus |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1.5M | $1M | INF Elite |
| 24×7 support | Yes | Yes |
Where they're the same
- INF Visitor 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.
- Both INF Visitor and IMG 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.
Most expensive plan in this category. Hard cutoff at age 90.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
More comparisons for INF Elite
More comparisons for Patriot America Plus
This comparison reflects publicly available INF Visitor and IMG plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official INF Elite and Patriot America Plus certificates are the source of truth.