Compare fixed benefit U.S. visitor medical insurance plans and find coverage for acute onset of pre-existing conditions.
Looking for affordable visitor medical insurance for the USA? Compare Patriot America Lite and Patriot America Plus side-by-side and pick the right plan in seconds.
Neither plan covers chronic or ongoing treatment for pre-existing conditions (such as diabetes or hypertension). However, one plan provides limited coverage for acute onset of pre-existing conditions, meaning sudden and unexpected complications requiring immediate medical care.
| Plan | Acute Onset Coverage | Age Limit | Notes |
|---|---|---|---|
| Patriot America Lite | Not Covered | N/A | Does not provide coverage for acute onset of pre-existing conditions |
| Patriot America Plus | Covered up to plan maximum (with sub-limits for cardiac/stroke) | Under 70 | Covers sudden complications only; not ongoing treatment |
These plans are designed for unexpected medical emergencies during travel, not for regular treatment of chronic medical conditions.
| Plan | Maximum Coverage | Notes |
|---|---|---|
| Patriot America Lite | $50K – $1,000,000 | Budget-friendly plan for short stays, suitable for travelers up to age 99 |
| Patriot America Plus | $50K – $1,000,000 | Includes coverage for acute onset of pre-existing conditions (under age 70) and offers broader protection |
✅ Recommendation:For broader benefits and added protection against high-cost medical emergencies, Patriot America Plus is the better choice
| Plan | Deductible | Notes |
|---|---|---|
| Patriot America Lite | $0, $100, $250, $500, $1,000, $2,500 | Higher deductible = lower premium |
| Patriot America Plus | $0, $100, $250, $500, $1,000, $2,500 | Same deductible options with broader coverage benefits |
✅ Note: Choosing a higher deductible can reduce your monthly premium, while a lower deductible reduces out-of-pocket costs during medical claims.
Both plans are comprehensive visitor medical insurance plans. After you meet the deductible, the plan pays eligible medical expenses based on the coinsurance structure until the policy maximum is reached.
⚠️ Note: Using doctors within the UnitedHealthcare PPO network can reduce your out-of-pocket costs.
Here’s the decision logic based on your priorities:
✅ Best choice for: Travelers who want more complete emergency medical coverage while visiting the U.S.
⚠️ Keep in mind: This plan does not cover acute onset of pre-existing conditions, so it is better suited for travelers without known medical risks.
Both Patriot America Lite vs Patriot America Plus provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.
You can compare cost for both Patriot America Lite vs Patriot America Plus reviews.
| Age | Plan | $50K | $100K | $250K |
|---|---|---|---|---|
| 18-29 yrs | Patriot America Plus | $59 | $75 | $83 |
| Patriot America Lite | $55 | $70 | $77 | |
| 30-39 yrs | Patriot America Plus | $73 | $99 | $116 |
| Patriot America Lite | $68 | $92 | $108 | |
| 40-49 yrs | Patriot America Plus | $96 | $118 | $132 |
| Patriot America Lite | $89 | $110 | $123 | |
| 50-59 yrs | Patriot America Plus | $160 | $196 | $244 |
| Patriot America Lite | $150 | $185 | $227 | |
| 60-69 yrs | Patriot America Plus | $205 | $265 | $289 |
| Patriot America Lite | - | $247 | $269 |
Patriot America Lite & Patriot America Plus cost per month with a $0 deductible
Travelers seeking affordable visitor medical insurance for the USA often compare plans like Patriot America Lite and Patriot America Plus because of their lower premiums and flexible coverage options.
Source: American Visitor Insurance®
Is Patriot America Lite a good plan?
Patriot America Lite is a type of travel medical insurance plan offered by IMG . It is designed to provide coverage for short-term travel outside of your home country, particularly for non-U.S. citizens who are visiting the United States.
This plan is a good option for providing coverage for emergency medical evacuation, emergency medical coverage like emergency medical treatment, hospital stays, surgery, and other essential medical services for travel outside your home country and this plan is affordable compare to other travel medical plans. But this plan does not offers coverage for pre-existing conditions.
Can US citizens buy Patriot America Lite insurance?
Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Lite insurance?
Yes Patriot America Lite Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Lite insurance online.
What does Patriot America Lite insurance cover?
IMG Patriot America Lite Insurance is a popular affordable comprehensive visitor insurance plan for people traveling to the USA. It covers emergency medical care, doctor visits, urgent care, hospital stays, and COVID-19 treatment. You also get access to the United Healthcare PPO network. Pre-existing conditions are not covered. This plan is great for parents, tourists, and other visitors to the U.S. looking for affordable health insurance.
Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can buy Patriot America Plus insurance online easily through American Visitor Insurance. Just enter your travel details, compare plans, choose your coverage, and complete the purchase in minutes. You’ll get your ID card and policy documents instantly by email.
Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Does IMG Patriot America Plus insurance have a cancellation fee?
Yes. Patriot America Plus have $50 cancellation fee after the effective date.
Yes, IMG Patriot America Plus is one of the best travel insurance option for seniors visiting the USA, especially those under the age of 70. It offers comprehensive coverage for medical emergencies, including the acute onset of pre-existing conditions, which is important for older travelers. With flexible deductible and policy maximum options, Patriot America Plus is considered one of the best visitor insurance plans for seniors traveling to the USA.