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 or traveling outside their home country.

Patriot America Plus and Patriot Platinum have PPO networks and offer acute onset of pre-existing conditions coverage for travelers under the age of 70. Each plan offers coverage for travelers over the age of 80 as well. 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 2 years of coverage
  • Available for non-US citizens only
  • Up to $500,000 policy maximum
  • $10,000 policy maximum for ages 80+
  • $25,000 principal sum for AD&D
  • Covers up to $5,000 for trip interruption
  • Pays 90% of the first $5,000 if within the PPO network, and 80% of outside of the PPO network
  • Covers up to $100 for acute, unexpected dental pain


vs.
Patriot Platinum
  • Up to 36 months of coverage
  • Available for US and non-US citizens
  • 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
  • Pays 100% of covered expenses if within the PPO network (in USA & Canada)

  • Covers up to $250 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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