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 $50K acute onset pre-existing vs $20K on Lite, includes mental health coverage (after 30 days) which Lite excludes, offers higher dental ($250 vs $100), and provides evacuation up to the full policy limit vs $250K on Lite. For travelers with any health history or over age 65, the upgrade to Plus is almost always worth the price difference.
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 baggage or trip cancellation coverage (medical-only plan)
- 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
- Still covers acute onset — just at a lower limit
- COVID-19 covered like any illness
- 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
Choose Patriot America Plus if the traveler has any pre-existing conditions, is over age 65, or wants the strongest overall IMG coverage. The $50K acute onset benefit vs $20K on Lite is a meaningful difference for seniors.
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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