Patriot America Plus – Popular travel insurance with pre-existing condition coverage by International Medical Group
Travel to another country can involve paperwork for passports and visa. Very important amongst all this is travel health insurance or visitor health insurance, however travel insurance can be purchased with ease online. The absence of adequate travel health insurance can make your trip a nightmare while having one can make your trip an enjoyable experience. One never knows when a medical condition can occur while you are outside your home country in a new place, new people, new culture.
There are several private insurance companies in the market offering visitor health insurance plans for people visiting other countries including the US. There are two kinds of plans Fixed or scheduled benefits vs Comprehensive insurance. Here is a review of one of the most popular comprehensive plan for visitors to US.
Patriot America Plus plan offered by International Medical Group (IMG) is a comprehensive visitor health insurance plan for Non US citizens visiting US. This plan has a benefit where it covers the acute onset of pre-existing condition for people below 70 years up to the medical maximum for preexisting conditions(medical) and up to $25,000 for pre existing condition emergency medical evacuation. This plan like other comprehensive plans has a coinsurance quotient where the plan pays 90% of the expense after the deductible up to the first $5000 of expense when the insured goes to a facility within the PPO network. Outside PPO network the plan pays 80% of expense after deductible up to the first $5000 of expense. First health network is the PPO network of IMG and this is the network for this plan. The plan has maximum lifetime of 2 years up to which the plan can be renewed.
Travelers under the age of 65 must purchase this plan within 6 months after arriving in the US and for people above age 65, they must purchase this plan within 30 days after arriving in the US. An incidental home country coverage of cumulative 2 weeks is also available.Optional riders that can be purchased on this plan are:
- Adventure sports rider
- Enhanced AD&D rider
- Evacuation Plus rider
- Chaperone/Faculty Leader Replacement Rider (avaliable on group plans)
Patriot America Plus plan is available as a group plan as well. The Patriot America plus brochure provides the rates for both individual plan as well as the group plan.
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Posted On May 02
