Patriot Platinum vs. Patriot America Lite Insurance

In your search to buy visitors insurance, you may have come across two similar travel medical insurance plans: Patriot Platinum and Patriot America Lite. These travel insurance policies may seem similar at first, but the differences between Patriot Platinum insurance and Patriot America Lite insurance could determine which visitors insurance plan is best for you.

Both Patriot Platinum and Patriot America Lite are comprehensive coverage plans and are administered by IMG. For more information about the difference between Patriot Platinum and Patriot America, refer to the comparison chart below.

Patriot Platinum
  • Up to 364 days of coverage
  • Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
  • Covers up to $50,000 for AD&D
  • Covers up to $10,000 for return travel
  • Pays 100% of covered expenses if within the PPO network
  • Up to $1,000,000 for an acute onset of a pre-existing condition


vs.
Patriot America Lite
  • Up to 365 days of coverage
  • Does not cover for COVID-19
  • Covers up to $50,000 for AD&D
  • Covers up to $10,000 for return travel
  • Pays 100% within the PPO network after the deductible
  • Does not cover for an acute onset of a pre-existing condition




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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