Patriot Travel medical insurance by International medical group (IMG) – Comparison of plan features

What are factors to consider while comparing Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance?

• Compare visitor medical insurance maximum coverage between Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
  This the maximum coverage that the plan would offer for the medical expenses. Patriot America insurance offers maximum coverage up to 1 million, Patriot Platinum insurance offers coverage up to 8 million and Patriot GoTravel insurance offers coverage up to 2 million.
• Compare visitors health insurance deductible options between Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
  This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot America insurance and Patriot GoTravel Insurance has deductible options from $0 up to $2,500 while Patriot Platinum Insurance has a range of deductible option from $0 up to $25,000.
• Compare travel medical insurance provider network for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
  It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.
• Compare travel insurance coinsurance options for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
  This is a percentage of the bill that the travel has to pay. Patriot America Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network, Patriot Platinum insurance pays no coinsurance within provider network and out of the provider network which is the plan pays 90% up to $5,000, then 100% and Patriot GoTravel insurance pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit within provider network and out of the provider network which is the plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
• Contrast the travel health Insurance renewability options for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
  Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance and Patriot GoTravel Insurance can be renewed up to 2 years while Patriot Platinum insurance can be renewed up to a total of 364 days.
• Compare eligibility options of US visitors travel insurance for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
  Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America has time restrictions that it has to be bought within 30 days of arrival in the US.
• Compare visitors insurance Pre-existing conditions coverage for Patriot America Plus vs Patriot Platinum vs Patriot GoTravel Insurance:
  Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions, Patriot Platinum insurance offers coverage under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation and Patriot GoTravel insurance offers Sudden and Unexpected Recurrence of a Pre-existing Condition upto age 65 life time maximum is $50,000 and for the age 65+ life time maximum is $2,500.