INF Premier vs Patriot America Plus
INF Premier 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. The table below calls the winner on each point.
Patriot America Plus carries this one 4 to 3. The decisive lines are hospital network size and typical premium band; the consolation for INF Premier is pre-existing condition cover.
Side-by-side: who wins what
| Feature | INF Premier | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Full | Acute-onset | INF Premier |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Large | Very large | Patriot America Plus |
| Typical premium band | ~$280 | ~$215 | Patriot America Plus |
| Avg claim settlement | 30 days | 30 days | |
| Age eligibility | 0-99 | 0-99 | |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 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.
- 24×7 phone support sits behind both plans — useful when a hospital admits at 2am IST and you need pre-auth.
- Both are true comprehensive plans — they pay actual hospital bills, not capped per-day or per-procedure amounts.
Premium is high; 20% coinsurance on first $5k. Not all hospitals in network.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
More comparisons for INF Premier
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 Premier and Patriot America Plus certificates are the source of truth.