Patriot America Plus vs Diplomat America
Patriot America Plus runs roughly $215 for a typical trip — noticeably less than Diplomat America at around $593. The question is whether the savings come at the cost of coverage you'll actually use. Below: every line that matters for a visiting parent.
If lowest deductible and typical premium band is what you'd actually claim on, Patriot America Plus is the safer pick. Diplomat America only beats it on avg claim settlement, which is a narrower win than the marketing suggests.
Side-by-side: who wins what
| Feature | Patriot America Plus | Diplomat America | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | $100 | Patriot America Plus |
| 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 | ~$593 | Patriot America Plus |
| Avg claim settlement | 30 days | 22 days | Diplomat America |
| Age eligibility | 0-99 | 14-79 | Patriot America Plus |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $500k | Patriot America Plus |
| 24×7 support | Yes | Yes |
Where they're the same
- Both Patriot America Plus and Diplomat America settle directly with US hospitals — no $50k credit card hold at admission.
- Neither plan treats COVID as an exclusion; it's covered up to the standard medical limit on both.
- Both IMG and Seven Corners 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.
Acute-onset PED only up to age 70; 20% coinsurance on first $5k stings.
Minimum 90-day policy; not economical for short visits.
Other comparisons you might want
More comparisons for Patriot America Plus
Treat this page as a decision aid, not insurance advice. We have no commercial relationship with IMG or Seven Corners; the brochures, sample certificates and rate cards we used are dated 2026 and may be revised by the insurers without notice.