Patriot America Lite vs Patriot America Plus
Patriot America Lite is a fixed-benefit plan with capped sub-limits; Patriot America Plus pays actual hospital bills up to $1M. Those are two different products solving the same problem in opposite ways. The table below calls the winner on each point.
If coverage limit and pre-existing condition cover is what you'd actually claim on, Patriot America Plus is the safer pick. Patriot America Lite only beats it on typical premium band, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | Patriot America Lite | Patriot America Plus | Winner |
|---|---|---|---|
| Coverage limit | $100k | $1M | Patriot America Plus |
| Lowest deductible | - | - | |
| Pre-existing condition cover | None | Acute-onset | Patriot America Plus |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Very large | |
| Typical premium band | ~$115 | ~$215 | Patriot America Lite |
| Avg claim settlement | 30 days | 30 days | |
| Age eligibility | 14-99 | 0-99 | Patriot America Plus |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $50k | $1M | Patriot America Plus |
| 24×7 support | Yes | Yes |
Where they're the same
- IMG and IMG both run direct-billing, so the family doesn't front the ER bill and chase reimbursement later.
- COVID-19 treatment is in scope on both — handled like any other illness, not a separate rider.
- Both IMG and IMG keep a round-the-clock claims line, not just business hours.
- Mid-trip extensions are supported on both — handy when a flight is rebooked or care is ongoing.
Fixed sub-limits — ICU and surgery caps can be exhausted quickly. No PED.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Other comparisons you might want
More comparisons for Patriot America Lite
More comparisons for Patriot America Plus
Treat this page as a decision aid, not insurance advice. We have no commercial relationship with IMG or IMG; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.