Patriot America Lite vs Patriot America Plus Insurance

United States offers some of the best healthcare in the world. However, it is also the most expensive in the world. If someone gets sick or injured in USA, most of people can't afford to pay for healthcare out of the pocket, even for moderate conditions. For serious conditions, the cost may run into tens of thousands of dollars or even hundreds of thousands of dollars.

There is no free healthcare in the US for visitors to USA. There is a possibility that someone would get sick or injured while visiting the US. Therefore, a majority of people visiting United States purchase visitors insurance.

This web site allows the users to get instant quotes from multiple reputed products, compare them side by side and make an instant purchase online. Among them are: Patriot America Lite and Patriot America Plus.

Both the plans are excellent and generally provide the coverage for any medical conditions, injuries or accidents that may occur after the effective date of the policy. Additionally, they both cover loss of checked luggage, emergency medical evacuation, repatriation of remains and several other coverages. Both are from the same company.

However, Patriot America Plus additional covers acute onset of pre-existing conditions for people under the age of 70 years. It is generally defined as an unforeseen emergency that unexpected occurs without any prior warning or symptoms and you may need to take the treatment within the next 24 hours. That can be classified as acute onset of pre-existing conditions. Patriot America Lite does NOT provide any coverage for any expenses related to pre-existing conditions.

Patriot America Plus also includes COVID-19 (Coronavirus) coverage up to the policy maximum, as long as contraction and treatment occur after the effective date of the policy. This coverage is available with new Patriot America Plus plans purchased on or after September 1, 2020. Patriot America Lite does not include COVID-19 (Coronavirus) coverage.

Now, the question: Which plan should I purchase?

If you have elderly visitors to USA, and they have some pre-existing conditions, purchase Patriot America Plus.

If you are young and healthy and don't care about the coverage for acute onset of pre-existing conditions, purchase Patriot America Lite.

Compared to Patriot America Plus, Patriot America Lite is cheaper.

In any case, as there is no coverage for acute onset of pre-existing conditions for 70+ years of age, it makes no sense to purchase Patriot America Plus and pay higher premium for the same coverage. Purchase Patriot America Lite instead.