Patriot America Plus vs Patriot Platinum Travel Medical
Patriot America Plus runs roughly $215 for a typical trip — noticeably less than Patriot Platinum Travel Medical at around $350. The question is whether the savings come at the cost of coverage you'll actually use. Read on for the line-by-line scorecard.
It's a coin-flip on points: each plan takes 3 weighted wins. Lead on whichever single line carries the most weight for the visit you're insuring.
Side-by-side: who wins what
| Feature | Patriot America Plus | Patriot Platinum Travel Medical | Winner |
|---|---|---|---|
| Coverage limit | $1M | $8M | Patriot Platinum Travel Medical |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Very large | |
| Typical premium band | ~$215 | ~$350 | Patriot America Plus |
| Avg claim settlement | 30 days | 30 days | |
| Age eligibility | 0-99 | 14-79 | Patriot America Plus |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Patriot America Plus and Patriot Platinum Travel Medical 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 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.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Hard age cutoff at 80; PED limited to acute-onset under 70.
Other comparisons you might want
More comparisons for Patriot America Plus
More comparisons for Patriot Platinum Travel Medical
BackToIndia is independent — we don't sell Patriot America Plus or Patriot Platinum Travel Medical 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.