Compare Patriot International Lite vs Patriot Platinum International (2026)
Traveling outside the USA? Compare Patriot International Lite and Patriot Platinum international travel medical insurance plans to find the right coverage for your international trips.
Visitor Medical Insurance
International Travel Medical Insurance
Compare plans and find the best coverage for your trip anywhere in the worldCompare two top-rated international travel insurance plans side by side and choose the one that fits your trip perfectly.
Patriot Platinum
$52 / month*Patriot International Lite
$28 / month*Patriot Platinum International vs Patriot International Lite - Detailed Benefits
| Patriot International Lite | Patriot Platinum International | |
|---|---|---|
| Plan Overview | ||
| Pre-existing Coverage Age Limit | Only up to age 69 | Only up to age 69 |
| Emergency Medical Evacuation | Up to $1M | Up to $8M |
| Renewable | Up to 2 year | Up to 3 year |
| Coverage Limits | ||
| Medical Maximum Options | $50,000, $100,000, $250,000, $500,000, $1,000,000 | $1,000,000, $2,000,000, $5,000,000, $8,000,000 |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500 | $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000, |
| Medical & Emergency Benefits | ||
| Hospital Room & Board | Covered | Covered |
| Intensive Care Unit | Up to overall maximum limit | Up to overall maximum limit |
| Emergency Local Ambulance | Covered | Covered |
| Bed visit | $1,500 maximum limit. | $1,500 maximum limit. |
| Dental Coverage | ||
| Dental Treatment | $300 maximum limit due to accident or unexpected pain to sound natural teeth | $300 maximum limit due to accident or unexpected pain to sound natural teeth |
| Adventure Sports Rider | lifetime limits of $50K (ages 0–49), $30K (50–59), and $15K (60–64). | lifetime limits of $50K (ages 0–49), $30K (50–59), and $15K (60–64). |
| COVID-19 Coverage | Treated as any illness | Covered |
| Brochure and Details | ||
How to Decide - Patriot International Lite or Patriot Platinum International
Why Choose International Travel Medical Insurance for Your Trip?
When traveling abroad, having the right international travel insurance is essential to protect yourself from unexpected medical expenses. International travel medical insurance provides coverage for emergency medical treatment, hospitalization, and evacuation while you are outside your home country.
Whether you're planning a short vacation or a long-term stay, choosing the right global travel medical insurance plan ensures peace of mind throughout your journey.
Both Patriot International Lite and Patriot Platinum available at American Visitor Insurance are international travel insurance plans covering trips outside the USA, making them ideal for travelers visiting Europe, Asia, and other global destinations.
When you compare international travel insurance plans, the main differences come down to coverage limits, benefits, and cost:
- Patriot International Lite A budget-friendly option for travelers seeking affordable international travel insurance with essential coverage.
- Patriot Platinum A premium global travel insurance plan offering higher policy maximums (up to $8 million) and enhanced benefits for comprehensive protection
How to Choose the Best International Travel Insurance Plan
Choosing the best international travel insurance plan depends on your travel needs:
- Choose Lite if you want affordable travel insurance for international trips
- Choose Platinum if you need higher coverage limits and premium benefits
- Consider your destination, duration, and medical coverage needs
Acute Onset of Pre-Existing Conditions - Detail
Both Patriot International Lite and Patriot Platinum International provide coverage for the sudden onset of pre-existing medical conditions, but with different limits based on age:
| Plan | Acute Onset of Pre-Existing Conditions Coverage |
|---|---|
| Patriot International Lite | Up to the policy maximum for travelers under age 70. |
| Patriot Platinum International | For U.S. citizens, 64 and under without a primary health plan are covered up to $20K, with a primary plan up to the policy limit, and 65–69 up to $2.5K Non-U.S. citizens age 69 and under, coverage is up to the policy limit or $1M, whichever is lower. |
Why Choose International Travel Medical Insurance for Your Trip?
In critical situations, evacuation costs can be extremely high making this one of the most important benefits to compare.
- Patriot International Lite : Covered up to $1M
- Patriot Platinum International : Covered up to overall maximum limit (up to $8M)
Why this matters: Emergency medical evacuation is one of the most expensive emergency costs, and Patriot Platinum removes the cap risk.
Which Plan Offers Lower Out-of-Pocket Costs (Coinsurance)?
Coinsurance determines how much you pay during treatment, and even small percentage differences can impact total costs.
| Plan | Coinsurance Coverage |
|---|---|
| Patriot International Lite | 80% up to $5K, then 100% |
| Patriot Platinum International | 90% up to $5K, then 100% |
How Much Does Patriot International Lite vs Patriot Platinum International Monthly Cost in 2026?
Both Patriot International Lite and Patriot Platinum are international travel medical insurance plans designed for coverage outside the United States. The monthly cost depends on factors like the traveler’s age, coverage limit, and deductible..
Patriot International Lite is a more budget-friendly option, while Patriot Platinum offers higher coverage limits and premium benefits at a higher cost.
- Patriot International Lite: Typically starts at around $25 - $45 per month for younger travelers with lower coverage limits.
- Patriot Platinum International: Generally starts at about $59+ per month and increases with higher coverage limits and age.
Patriot International Lite plans start at around $50 per month, while Patriot Platinum International plans start at about $59 per month. In general, for younger travelers with a $50,000 coverage limit. As the traveler’s age and coverage amount increase, the premium will also increase.
The table below provides an estimated monthly premium comparison for different age groups and coverage limits to help you choose the best Patriot International Insurance for your needs.
Patriot Platinum International Insurance
| Age Group | Plan | $1M | $2M | $5M | $8M |
|---|---|---|---|---|---|
| 18 – 29 | Patriot Platinum International | $64 | $66 | $82 | $93 |
| 30 – 39 | Patriot Platinum International | $80 | $81 | $101 | $125 |
| 40 – 49 | Patriot Platinum International | $131 | $133 | $162 | $182 |
| 50 – 59 | Patriot Platinum International | $217 | $222 | $262 | $273 |
| 60 – 64 | Patriot Platinum International | $278 | $283 | $318 | $339 |
| 65 – 69 | Patriot Platinum International | $333 | N/A | N/A | |
| Prices shown with $0 deductible · American Visitor Insurance® | |||||
Patriot International Lite Insurance
| Age Group | Plan | $50K | $100K | $500K | $1M |
|---|---|---|---|---|---|
| 18 – 29 | Patriot International Lite | $35 | $42 | $49 | $55 |
| 30 – 39 | Patriot International Lite | $40 | $48 | $61 | $63 |
| 40 – 49 | Patriot International Lite | $67 | $78 | $89 | $90 |
| 50 – 59 | Patriot International Lite | $114 | $132 | $139 | $142 |
| 60 – 64 | Patriot International Lite | N/A | $160 | $172 | $175 |
| 65 – 69 | Patriot International Lite | $174 | $188 | N/A | N/A |
| Prices shown with $0 deductible · American Visitor Insurance® | |||||
Still Confused Between Patriot International Platinum and Patriot International Lite? Choose in Seconds
Here’s the decision logic based on your priorities:
Patriot International Platinum and Patriot International Lite are both international travel medical insurance plans from IMG designed to protect travelers visiting countries worldwide (excluding primary travel to the USA). They provide coverage for emergency medical care, hospitalization, evacuation, and unforeseen illnesses or injuries during travel.
- You want higher maximum coverage limits (up to $8M) for major medical events
- You prefer lower out‑of‑pocket costs (better coinsurance structure)
- You want higher emergency evacuation limits (included up to policy max)
- You are under age 70 (while the plan is still available up to age 69/70 depending on eligibility)
- You want a more affordable travel medical plan
- You want coverage available for older travelers (up to age 69) with acute onset of pre‑existing conditions (subject to terms)
- You are travelling long‑term and want essential coverage without paying for high maximum limits