Home/Compare Plans/WorldTrips Atlas America vs IMG Patriot America Lite

WorldTrips Atlas America vs IMG Patriot America Lite

A comprehensive plan vs a budget plan — both from trusted providers. Here's when it makes sense to pay more (and when it doesn't).

Atlas America wins

Ties

Patriot America Lite wins

WorldTrips Atlas America and IMG Patriot America Lite are often compared by cost-conscious buyers who still want quality coverage. Atlas America offers higher limits, much stronger pre-existing coverage, and included baggage. Patriot America Lite costs less but has zero pre-existing condition coverage and no mental health coverage. This comparison helps you decide whether the extra premium for Atlas America is worth it for your specific situation.

Plan Overview

Best Coverage Limit

WorldTrips Atlas America

WorldTrips

Coverage

$50,000–$2,000,000

Starting at

~$1.45/day (age 30, $250 ded.)

Network

First Health & UHC PPO

Max Age

Best For

Travelers who want the highest medical coverage limit ($2M)
Visitors needing baggage coverage included
Parents visiting the USA with pre-existing conditions
Travelers over 70 (age 80+ pre-existing limit applies)

Pros

Highest coverage limit in the category — up to $2,000,000
Baggage/personal effects included at no extra cost
Same strong UHC/First Health network
More deductible options including $5,000 for very low premiums
COVID-19 covered as standard illness

Cons

Slightly higher premium than comparable IMG plans
Pre-existing benefit reduces to $100,000 at age 70–79; excluded entirely at 80+

Best Value

IMG Patriot America Lite

IMG (International Medical Group)

Coverage

$50,000–$1,000,000

Starting at

~$1.00/day (age 30, $250 ded.)

Network

UHC & First Health PPO

Max Age

Best For

Budget-conscious travelers in good health
Young visitors with minimal pre-existing conditions
Short trips where cost is the primary concern
Families insuring multiple healthy visitors

Pros

Significantly lower premium than the Plus version
Same UHC network access for in-network savings
No pre-existing coverage means lower premiums for healthy travelers
COVID-19 covered like any illness

Cons

No pre-existing condition coverage — any pre-existing condition claims will be denied
Mental health not covered
Lower repatriation benefit
Not ideal for seniors with significant health conditions

Side-by-Side Comparison

WinnerTieNot winner

Feature

Atlas America

Patriot America Lite

Coverage

Maximum medical coverage

Up to $2,000,000

Up to $1,000,000

Emergency evacuation

Atlas America has 4× more evacuation coverage than Patriot Lite

Up to $1,000,000

Up to $250,000

Cost

Starting price (age 30, $250 ded.)

Patriot Lite is typically 30–35% cheaper

~$1.45/day

~$1.00/day

Pre-existing

Acute onset (under 70)

Atlas America covers acute onset up to policy maximum; Patriot Lite has no pre-existing coverage

Up to policy maximum

Not covered

Acute onset (age 70+)

Atlas America covers $100,000 for seniors aged 70–79; Patriot Lite has no pre-existing coverage at any age

$100,000 (ages 70–79); excluded at 80+

Not covered

Benefits

Baggage coverage

Up to $500

Not included

Emergency dental

Up to $250

Up to $100

Mental health

After 30 days

Not covered

Limits

Maximum age

Our Verdict

Choose Atlas America if…

Choose Atlas America if you want higher coverage limits ($2M), included baggage, or stronger pre-existing condition coverage for the price difference.

Choose Patriot America Lite if…

Choose Patriot America Lite if cost is your primary driver and the traveler is young and healthy with no significant pre-existing conditions.

Compare real prices in 60 seconds