When planning to purchase visitors insurance before embarking on your upcoming trip, you may have come across two similar plans: Patriot Platinum International and Patriot International Lite, and because of their major similarities, you may be wondering what the actual difference is between the two.
Patriot Platinum International and Patriot International Lite are both comprehensive coverage plans that provide coverage internationally. Outside of the US and Canada, both of these plans pay 100% up to the policy maximum, after the deductible is satisfied. The key differences between the two plans are featured in the comparison chart below to help you choose the plan that best fits your travel medical insurance needs:
Patriot Platinum International
- Administered by IMG
- Up to 36 months of coverage
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- Policy maximum options up to $8,000,000
- Plan pays 100% in network, after the deductible
- Covers up to the policy maximum for acute onset of pre-existing conditions for travelers under the age of 70
vs.
Patriot International - Administered by IMG
- Up to 2 years of coverage
- Covers COVID-19 like any other eligible medical condition if the virus was contracted after the policy effective date
- Policy maximum options up to $1,000,000
- Plan pays 100% in network, after the deductible
- Covers up to the policy maximum for acute onset of pre-existing conditions for travelers under the age of 70
COMMON EXCLUSIONS (What's not covered)
- Preventative Care (immunizations, routine medical exams)
- Terrorism coverage
- Pregnancy and maternity care