IMG Patriot Travel medical insurance
What are the different IMG Patriot travel health insurance plans?
Patriot America Plus and Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.
The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used.
Persons under 70 years of age can get up to $1 million maximum coverage. These plans also covers COVID-19 illness up to the maximum of the policy.
International Medical Group (IMG) is an award winning provider in the health insurance industry and is popular for the benefits and services offered by their products. For more than 25 years, IMG has successfully served the people traveling outside their home country around the globe with their unique travel health insurance plans.
The Patriot series of plans from IMG which are comprehensive plans are hugely popular between the international travelers both US and Non US citizens traveling around the world.
These plans are classified based on the eligibility and the benefits provided. All of these plans are available for a minimum of 10 days to a maximum of up to 2 years. Let's look at each plan in detail to understand who is eligible to buy it and what the plan provides:
Patriot America Lite
- Deductible options available from $0 to $2,500.
- Policy maximum available from $50,000 up to $1,000,000.
- Coverage for medical expenses, evacuation and repatriation available.
- Plan available for NON US citizens traveling to the US and its territories.
- Above age 65, plan has to be effective within 30 days of arrival in the US.
Patriot International Lite
- US and Non US citizens traveling outside their home country excluding US and its territories.
- Policy maximum options available up to $2,000,000.
- Coverage for acute onset of pre existing conditions up to the age of 70.
- Satisfies the Schengen Visa Requirements and provides Schengen Visa Letter immediately after purchase.
Patriot America Plus
- Policy maximum available starting from $50,000 to $1,000,000.
- Coverage for acute onset of pre existing conditions available up to age 70.
- Coverage for Non US citizens coming to the US.
- Deductible options available from $0 up to $2500.
- Coverage for medical evacuation available for $25,000 for pre existing condition.
Compare Patriot travel insurance plans
What medical benefits are included in travel insurance for USA visitors?
- Health care expenses: Covers hospital expenses for sickness or accidents.
- Doctor visit: Insures Doctor visits for sudden injury or sickness.
- Pharmacy drugs: Doctor prescribed eligible pharmacy drugs expenses.
- Medical evacuation: Medical evacuation expenses to nearest facility included.
- Repat of remains: Repatriation of remains to home country included.
- Pre-existing conditions: Some plans insure acute onset of pre-existing conditions.
Patriot Travel Insurance Reviews
Thank you for such helpful information. You've impressed me as I have contacted other companies and haven't gotten half of the information from them that you have sent me. I will take what you've said into consideration and hope to be in touch soon.
Shelie
I recently visited your website for the first time to buy insurance for travel to US. I found the information very good. Your customer support was fantastic and awesome. You were so dedicated to take care of my inquiries. I would rate your service 100/100.
Charlotte
I am pleased to say that your company is very professional in the field of Insurance. The customer is happy to get easily connected and then you very patiently explain the difference between various plans to suit each customer's need.
Lori Fields
How much does Patriot travel insurance cost per month?
The best IMG Patriot travel insurance cost is ranges between $55 to $177 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type (Fixed vs comprehensive coverage), and any visitors insurance coverage for pre-existing conditions. For an average traveler, there are cheap travel insurance plans at less than a dollar a day.
| Plan Name | Maximum | Deductible | Cost # |
|---|---|---|---|
| Patriot International Lite | $50,000 | $250 | $55 |
| Patriot America Lite | $50,000 | $250 | $72 |
| Patriot America Plus | $50,000 | $250 | $77 |
| Patriot Platinum International | $2,000,000 | $116 | $116 |
| Patriot Platinum america | $2,000,000 | $250 | $146 |
#The average cost of patriot travel plans cost is based on quotes for a 40-year-old for one month.
Glossary:
Provider Network: 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.Deductible: This is the initial amount the traveler needs to pay before the insurance actually starts paying during claim expense. Remember higher deductible have less premium than a plan with lower deductible.
Co insurance: This is a percentage of the bill that the travel has to pay after satisfying the deductible and is a percentage of the bill up to a certain dollar limit.
What are factors to consider while comparing Patriot America Lite insurance and Patriot Platinum insurance?
Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Lite insurance and Patriot Platinum insurance:- Compare visitor medical insurance maximum coverage between Patriot America Lite insurance and Patriot Platinum insurance:
This the maximum coverage that the plan would offer for the medical expenses. Patriot America Lite insurance offers maximum coverage up to 1 million and Patriot Platinum insurance offers coverage up to 8 million. The coverage may vary for older travelers with reduced plan maximum. - Compare visitors health insurance deductible options between Patriot America Lite insurance and Patriot Platinum 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 Lite insurance has deductible options from $0 up to $2,500 and Patriot Platinum Insurance has a range of deductible option from $0 up to $25,000. - Compare travel medical insurance provider network for Patriot America Lite insurance and Patriot Platinum 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 Lite insurance and Patriot Platinum insurance:
This is a percentage of the bill that the travel has to pay. Patriot America Lite 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%. - Contrast the travel health Insurance renewability options for Patriot America Lite insurance and Patriot Platinum insurance:
Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Lite 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 Lite insurance and Patriot Platinum insurance:
Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Lite 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 Lite insurance and Patriot Platinum insurance:
Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while 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.
IMG Patriot Travel medical insurance - FAQ's
1. Is IMG travel insurance legit? Is IMG a real insurance company?
International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.
Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
2. What are the benefits of Patriot Travel insurance ?
Patriot Travel insurance is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States. Patriot Travel insurance provides coverage for medical expenses, pre-existing consitions, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The insurance offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travellers.
3. How much does Patriot Travel Insurance cost?
The cost of Patriot travel insurance is dependent on the following factors: The age of the traveller, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
4. What are the requirements for purchasing Patriot Travel Insurance?
To buy the Patriot travel Insurance, you will need the travel dates and passport details of the traveller. This will include the name of the traveller, the date of birth, the passport number and the travel dates.
5. How do I purchase Patriot Travel insurance?
You can get the quotes and make an instant purchase of Patriot travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
6. What is the coverage area of Patriot Travel insurance?
Patriot Travel insurance provides coverage worldwide except in your country of citizenship.
7. What are the different types of patriot insurance ?
The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Lite Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.
8. Does IMG travel insurance cover Covid?
Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
9. Does IMG sell Cancel for Any Reason Insurance?
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
10. What does IMG insurance stand for?
International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
11. Is IMG a good travel insurance company?
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
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Pre-existing conditions coverage - FAQ's
- Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
- Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
- Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
- IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.
A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.
Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.
Resourceful links for IMG Patriot Travel Insurance
Patriot travel Insurance FAQ
Frequently asked questions and answer about travel insurance plans.
Patriot Travel insurance blog
Blog to compare different Patriot Travel insurance plans.
Patriot Travel insurance forum
Customer queries about Patriot Travel insurance plan.
IMG trip cancellation plans
Compare and review benefits of IMG trip plans.
International Medical Group, Patriot travel insurance Links
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