Patriot America Plus – Popular travel insurance with pre-existing condition coverage by International Medical Group

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

International Medical Group (IMG) Coronavirus insurance offers covid19 travel insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum.

IMG popular insurance plans with pre-existing coverage

Patriot America Plus Pre-existing conditions coverage
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.

IMG 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.

Patriot America Plus:
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.

Find out more about Pre-existing condition visitors insurance

Frequently asked questions?

What is a pre-existing condition for travel health insurance?
Simply put, a pre-existing condition is a disease or condition a person is already diagnosed with, being treated for, or has, with reasonable certainty before the start of the insurance policy. Companies use a "look back" period to determine if a condition will be considered pre-existing or not. Click here to read more.
No , there are no medical tests required for purchasing visitor travel insurance to usa with pre existing conditions.
The short term visitor insurance plans usually do not cover pre-existing medical conditions, however some plans do provide limited coverage for acute onset of pre-existing conditions. You can compare the insurance plans that offer pre-existing condition coverage using our compare tool option.
Many people, although healthy and able to travel, particularly older travelers take medications for certain medical conditions. While these conditions can be called "normal" for a person of their age, not all people have these conditions and they will be classified as "pre-existing" by an insurance company. If you do NOT have coverage for it, then the policy will pay $0 for any incident of it, emergency or not. The coverage you can get is limited to "acute onset" of a pre-existing condition which can cover an unexpected life-threatening emergency of the condition which would then give you as complete coverage as you could get for your travels or visitor. This is why we offer some options with this coverage for nearly all ages of travelers. For more information, go here.

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