IMG Patriot America Plus vs Patriot America Lite
Both are IMG plans — but the coverage differences are significant. Here's what you gain when stepping up from Lite to Plus.
IMG offers two core visitor insurance plans: Patriot America Plus and Patriot America Lite. Both use the same UHC + First Health PPO network. The key differences: Plus covers acute onset pre-existing conditions up to the policy maximum (Lite has zero pre-existing coverage), includes mental health coverage (after 30 days) which Lite excludes, offers higher dental ($250 vs $100), and provides evacuation up to $1,000,000 vs $250K on Lite. For any traveler with health history, the upgrade to Plus is essential — Lite simply will not pay pre-existing condition claims.
Plan Overview
- Parents visiting the USA with pre-existing conditions
- Travelers who want UHC network access
- Stays of 1–12 months
- Travelers prioritizing broad pre-existing coverage
- One of the strongest acute-onset pre-existing condition benefits
- Access to the massive UHC network — fewer surprise bills
- Coverage up to age 99 with no age-based exclusions
- COVID-19 treated like any other illness
- Wide deductible range lets you control premium cost
- No full trip cancellation coverage (return travel only, not pre-departure cancellation)
- Maternity not covered
- Pre-existing benefit is acute onset only — not ongoing management
- 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
- 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
- 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
Choose Patriot America Plus if the traveler has any pre-existing conditions — Lite has no pre-existing coverage at all. Plus is also the better choice for anyone over age 65 or wanting the strongest overall IMG coverage.
Choose Patriot America Lite if the traveler is young, healthy, and primarily wants emergency-only coverage at the lowest possible price.
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