IMG offers two flagship visitor insurance products: Patriot America Plus (US-focused) and Patriot International (worldwide coverage). Many visitors searching for visitor insurance for the USA encounter both names and get confused. This review clarifies the difference and helps you choose the right plan.
Quick Decision Guide
Visiting ONLY the USA? Choose Patriot America Plus. It's purpose-built for US coverage with higher US benefit limits.
Traveling to multiple countries including the USA? Patriot International provides worldwide coverage and can be used in the USA, but US benefits may be lower than Patriot America Plus.
Patriot International — Key Specs
Max Coverage
Up to $1M
Age Limit
Up to 99
Coverage Area
Worldwide
Deductible
$0–$2,500
Patriot International vs. Patriot America Plus
| Feature | Patriot International | Patriot America Plus |
|---|---|---|
| Coverage area | Worldwide (excl. home country) | USA (primary), some international |
| Maximum benefit | Up to $1,000,000 | Up to $1,000,000 |
| US PPO network | Limited | Broad PPO network |
| Age limit | Up to 99 | Up to 99 |
| Pre-existing (acute onset) | Included | Included |
| Premium (relative) | Lower | Higher |
| Best use case | Multi-country trips | USA-only visits |
When Patriot International Is the Right Choice
- Your parent is visiting multiple countries — e.g., USA + Canada + Mexico, or USA + Europe
- The USA portion of the trip is only part of a longer international journey
- You want worldwide coverage at a lower premium than US-specific plans for multi-country trips
Our Verdict
For parents visiting the USA specifically, Patriot America Plus is the right plan. It has a larger US PPO network, stronger US-specific benefits, and is optimized for the US healthcare market. Patriot International is excellent for global travelers but is not the optimal choice when the USA is the sole destination.
Compare IMG Plans
See Patriot America Plus and Patriot International side by side for your age and trip.
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