Patriot America Plus vs VisitorsCoverage Choice America Plus
VisitorsCoverage Choice America Plus runs roughly $175 for a typical trip — noticeably less than Patriot America Plus at around $215. 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.
VisitorsCoverage Choice America Plus edges out on typical premium band and avg claim settlement, taking 3 weighted points to Patriot America Plus's 2. Patriot America Plus still has the upper hand on hospital network size, so it stays the right call when those matter more than the headline coverage.
Side-by-side: who wins what
| Feature | Patriot America Plus | VisitorsCoverage Choice America Plus | Winner |
|---|---|---|---|
| Coverage limit | $1M | $1M | |
| Lowest deductible | - | - | |
| Pre-existing condition cover | Acute-onset | Acute-onset | |
| Direct billing at hospitals | Yes | Yes | |
| Hospital network size | Very large | Large | Patriot America Plus |
| Typical premium band | ~$215 | ~$175 | VisitorsCoverage Choice America Plus |
| Avg claim settlement | 30 days | 20 days | VisitorsCoverage Choice America Plus |
| Age eligibility | 0-99 | 0-99 | |
| COVID covered | Yes | Yes | |
| Emergency evacuation | $1M | $1M | |
| 24×7 support | Yes | Yes |
Where they're the same
- IMG and Visitors Coverage 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 Visitors Coverage 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.
Network depth varies by state — confirm hospital access at destination.
Other comparisons you might want
More comparisons for Patriot America Plus
More comparisons for VisitorsCoverage Choice America Plus
This comparison reflects publicly available IMG and Visitors Coverage plan documents as of 2026. Sub-limits, exclusions and territorial rules can change between buy dates, so the official Patriot America Plus and VisitorsCoverage Choice America Plus certificates are the source of truth.