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, better pre-existing coverage, and included baggage. Patriot America Lite costs less but reduces the pre-existing benefit to $20K and removes 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 significantly at age 70+
Age 80+ gets no pre-existing condition coverage

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
Still covers acute onset — just at a lower limit
COVID-19 covered like any illness

Cons

Lower pre-existing condition benefit ($20K vs $50K on Plus)
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

Up to $1,000,000

Up to policy maximum

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)

Up to $50,000

Up to $20,000

Acute onset (age 70+)

Up to $20,000 (age 70–79)

Up to $20,000 (all ages)

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.

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