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

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International Medical Group (IMG) is one of the renowned and popular US health insurance companies focusing on short term visitor medical insurance. Being an established player in the visitor health insurance industry, they provide unique travel medical insurance plans for visitors traveling outside their home country. Amongst their top visitor insurance plans are the Patriot comprehensive plans. These plans are classified based on the eligibility status and benefits provided.

These plans are available for a minimum of 10 days up to a maximum of 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: This plan is available for Non US citizens traveling to the US and its territories. For people above age 65, the plan has to be effective within 30 days of arrival in the US. This plan provides a policy maximum of up to $1,000,000. It is reasonable affordable comprehensive plan option. There is one drawback in this plan, where the plan does not cover pre-existing conditions at all.

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Patriot International: is for travelers outside their home country whose destination excludes US and its territories. It offers plan maximum option up to $2 million. Patriot International offers coverage for acute onset of pre-existing conditions for travellers aged up to 70 years. It is one of the popular plans among travelers visiting Schengen countries as it satisfies Schengen visa requirements and provides Schengen visa letter immediately after purchase.

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Patriot America Plus: This plan has all the benefits that are provided in the Patriot America plan. This is an extended version of the Patriot America plan as the plan covers acute onset of pre-existing condition for people up to the age of 70 for a lifetime maximum of $50,000. The coverage if available up to the medical maximum limit. This plan provides policy maximum of as high as $500,000. There is a coverage of $25,000 available for emergency medical evacuation for pre-existing condition. After IMG introduced this plan, this has become much popular than Patriot America for this one important benefit.

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Patriot GoTravel plan: This plan comes in 2 versions as "Patriot Go Travel International" and "Patriot Go Travel America". The International plan is for US citizens traveling outside of the US and the America plan is for Non US citizens traveling outside their home country. The policy maximum provided with this plan ranges from $50,000 to $2,000,000. This plan provides coverage for pre-existing conditions (acute onset only) for Non US citizens up to lifetime maximum of $50,000 for people under 65 years of age. For people above 65 years of age, the coverage for pre-existing conditions is reduced to $2,500.

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Patriot Platinum plan: This plan is unique and is the best comprehensive options among the other Patriot plans as it can provide a policy maximum limit of as high as $8,000,000. The only policy maximum options for this plan are $1,000,000, $5,000,000, $8,000,000. The maximum lifetime of this plan is 3 years. This plan can be renewed up to 3 years. This plan is unique where it provides a policy maximum of $1,000,000 for people above age 70 unlike the other Patriot plans. This plan also offers optional riders for sports, evacuation and AD&D.