Patriot America Plus vs. Patriot Platinum Insurance

Patriot America Plus and Patriot Platinum share some similarities but may not be best suited for every traveler. Both Patriot America Plus and Patriot Platinum are comprehensive coverage plans, which means they are percentage-based policies. They are good for international travelers visiting the US

Patriot America Plus and Patriot Platinum participate in the United Healthcare networks and offer acute onset of pre-existing conditions coverage for travelers under the age of 70. Refer to the comparison chart below for more information about the difference between Patriot America Plus insurance and Patriot Platinum insurance.

Patriot America Plus
  • Up to 12 months of coverage
  • Available for US and non-US citizens visiting the US
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Pays 100% within the PPO network after the deductible
  • Up to $1,000,000 policy maximum
  • $10,000 policy maximum for ages 80+
  • $50,000 principal sum for AD&D
  • Covers up to $10,000 for trip interruption
  • Covers up to $300 for acute, unexpected dental pain


vs.
Patriot Platinum
  • Up to 12 months of coverage
  • Available for US and non-US citizens visiting the US
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Pays 100% within the PPO network after the deductible
  • Up to $8,000,000 policy maximum
  • $20,000 policy maximum for ages 80+
  • Covers up to $50,000 for AD&D
  • Covers up to $10,000 for trip interruption
  • Covers up to $300 for acute, unexpected dental pain


COMMON EXCLUSIONS (What's not covered)
  • Preventative care (immunizations, routine medical exams)
  • Injuries incurred from certain extreme sports and hazardous activities
  • Pregnancy and maternity care
  • Treatment for mental health disorders
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