Visitors Care Insurance vs Patriot Travel Insurance
International Medical Group (IMG)s Visitors Care fixed benefits plan vs IMG’s Patriot comprehensive visitor insurance planVisitors Care vs Patriot America Travel Insurance: Which IMG Plan Is Right for You?
An important issue when visiting the United States is handling, should you become sick or injured, medical expenses. The United States has extremely high medical bills, and a brief visit to see an emergency room physician could set you back thousands of dollars. That's why it is important to choose a good visitor insurance plan before you visit.
IMG Visitor Insurance offers two main types of travel medical insurance for non-U.S. residents Visitors Care and the Patriot Travel Medical series.
- Visitors Care available in Lite, Plus, and Platinum is a fixed benefit plan that pays you a predetermined amount for each covered medical service. It’s a good choice for travelers who want basic and affordable protection.
- Patriot Travel Medical Insurance includes Patriot America Lite, Patriot America Plus, and Patriot Platinum is a comprehensive plan. This will pay you a percentage of your actual medical billsafterthe deductible. This plan includes greater coverage and higher protection limits.
Both plans can be used to help protect you for the unexpected costs of a medical condition while in the United States; but they work differently in how they pay for care and how much they cover.
In the next sections, we’ll explain each plan in detail to help you choose the one that best fits your needs, budget, and travel plans.
What Is the Visitors Care Plan?
IMG Visitors Care travel Insurance is an affordable fixed-benefit travel medical plan for international visitors to the U.S. It’s available in Lite, Plus and Platinum versions:
Plan levels and coverage:- Visitors Care Lite insurance : $25,000 policy maximum and is the cheapest plan for visitors to the U.S.
- Visitors Care Plus insurance : $50,000 policy maximum and is a budget-friendly plan with higher coverage
- Visitors Care Platinum insurance : $100,000 policy maximum and is a cost-effective plan with maximum protection
- Direct billing through United Healthcare network or First Health Care Network
- Plan pays a fixed amount for each covered medical service.
- Flexible deductible options: Choose from $0, $50, $100, or $250 to fit your budget.
- Urgent Care Clinic: Covers up to $100 copay, waived with a $0 deductible.
- Acute onset of pre-existing condition: Covers up to policy maximum for ages up to 70.
- Emergency medical evacuation: Covers up to policy maximum.
- Hospitalization: Coverage for inpatient stays, surgeries, and room & board.
- Repatriation of remains: Up to policy maximum.
- Renewable: Coverage from 5 days to 364 days andcan be extended up to 24 months.
👉 Best For: Visitors Care is ideal for travelers looking for affordable, basic coverage, older visitors or those with pre-existing conditions seeking limited acute onset protection, short-term stays of 1–6 months, and anyone comfortable paying out-of-pocket if medical bills exceed the fixed benefit limits.
What Is the Patriot America Travel Medical Insurance?
IMG Patriot Travel Medical Insurance is a comprehensive travel medical plan for international visitors to the U.S. It’s available in Patriot Lite, Patriot Plus, and Patriot Platinum versions:
Plan Levels and Coverage
- IMG Patriot America Visitor Insurance : Coverage from $50,000 to $1,000,000, ideal for healthy travelers without pre-existing conditions who want basic medical protection.
- IMG Patriot America Plus VisitorInsurance : Coverage from $50,000 to $1,000,000, ideal for travelers who want a robust plan that includes protection for the acute onset of pre-existing conditions..
- IMG Patriot Platinum Insurance : Coverage from $1,000,000 to $8,000,000, offering first-class protection for visitors seeking maximum coverage, including broader benefits for acute onset of pre-existing conditions and major medical emergencies.
- Direct billing through United Healthcare network or First Health Care Network
- PPO Network coverage: 100% for all plans; Outside PPO Network: Lite – 80% up to $1,000 then 100% up to policy maximum, Plus – 90% up to $1,000 then 100% up to policy maximum, Platinum – 100% up to policy maximum.
- Acute onset of pre-existing conditions: Covered up to policy maximum for ages up to 70 , except Lite.
- Hospitalization: Inpatient care, surgeries, and room & board
- Prescription drugs and diagnostic tests: Covered up to policy maximum
- Emergency medical evacuation: Up to policy maximum
- Repatriation of remains: Up to policy maximum
- Optional sports coverage: Covers medical treatment for specified sports or adventure activities
- Renewable: Coverage from 5 days to 364 days; can be extended up to 24 months
👉 Best For: Patriot Travel Medical insurance is ideal for travelers and parents visiting the U.S., families or long-term visitors who want higher protection limits, those participating in adventure activities, and anyone who prefers broader coverage with network discounts and higher policy maximums.
Travel Benefits Comparison Table: Visitors Care vs. Patriot Travel Medical Plans
| Feature | Visitors Care | Patriot Visitor Insurance |
|---|---|---|
| Plan Type | Fixed-benefit plan | Comprehensive plan |
| Plan Levels | Lite, Plus, Platinum | Patriot America Lite, Patriot America Plus, Patriot Platinum |
| Policy Maximum | Lite $25,000, Plus $50,000, Platinum $100,000 | Lite & Plus $50,000–$1,000,000, Platinum $1,000,000–$8,000,000 |
| Deductible Options | $0, $50, $100 | Lite & Plus $0 - $2,500 , Platinum $0 - $25,000 |
| Acute Onset of Pre-Existing Conditions | Covered up to policy maximum for ages up to 70 | Covered up to policy maximum for ages up to 70 (Lite does not cover) |
| PPO Network Coverage | 100% coverage | 100% within PPO; Outside PPO: Lite 80% up to $1,000 then 100%, Plus 90% up to $1,000 then 100%, Platinum 100% up to policy maximum |
| Coinsurance | Not applicable | Applies to first $5,000, then insurer pays 100% |
| Optional Coverage | Not available | Adventure sports, evacuation plus, and other riders |
| Age Eligibilit | Up to 99 years | Up to 99 years |
| Renewability | Up to 24 months | Up to 24 months |
| Best For | Budget-conscious travelers seeking basic coverage | Travelers and parents seeking comprehensive coverage, higher limits, adventure coverage, and broader benefits |
How Much Does Visitors Care Insurance and Patriot America Travel Medical Insurance Cost?
IMG Visitors Care Insurance starts at just $18 per month, while Patriot Travel Medical Insurance starts at $44 per month, offering higher coverage limits, comprehensive benefits, and protection for acute onset of pre-existing conditions. Costs may vary based on age, trip duration, and deductible selected.
The costs in this table are based on a monthly rate with a $100 deductible for Visitors Care and a $250 deductible for Patriot Travel health insurance plans.
| Plan Name | Plan max range | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Visitors Care Lite | $25,000 | $18 | $21 | $36 | $60 |
| Visitors Care Plus | $50,000 | $28 | $33 | $57 | $97 |
| Visitors Care Platinum | $100,000 | $38 | $45 | $78 | $142 |
| Patriot America Lite | $50,000 - $1,000,000 | $44 - $89 | $72 - $130 | $153 - $207 | $252 -$337 |
| Patriot America Plus | $50,000 - $1,000,000 | $47 - $96 | $77 - $139 | $164 - $311 | $287 - $434 |
| Patriot America Platinum | $1,000,000 - $8,000,000 | $89 - $172 | $138 - $291 | $322- $637 | $616 |
International Medical Group Insurance Reviews
John Smith
"I purchased a Visitors Care plan through American Visitor Insurance, and the experience was smooth from start to finish. IMG provides reliable coverage, and their customer care team was very helpful in answering all my questions."
Daniel Patel
"American Visitor Insurance made it simple to buy IMG travel insurance. The plan options are clear, the coverage is reliable, and their customer care is responsive and friendly."
Emily Davis
"I had a medical emergency while visiting the U.S., and my IMG insurance through American Visitor Insurance covered everything as promised. The customer care staff guided me through every step, making the process much easier."
📝 How Do I File a Claim With IMG Visitors Insurance?
To file a claim with IMG Visitors Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
❓ Patriot America Plus vs Visitors Care Travel Insurance - FAQs
-
What is International Medical Group insurance and why should I choose it for my U.S. visit?
International Medical Group (IMG) provides travel medical insurance for international visitors to the U.S., including plans like Visitors Care and Patriot Travel Medical. IMG is known for reliable coverage, making it a trusted choice for travelers seeking protection against unexpected medical expenses.
What is the difference between Visitors Care and Patriot Travel Medical Insurance?Visitors Care is a fixed-benefit plan designed for budget-conscious travelers, while Patriot Travel Medical is a comprehensive plan offering higher coverage limits, broader benefits, and protection for acute onset of pre-existing conditions.
Which plan is best for short-term visitors to the U.S.?Visitors Care Lite or Plus is ideal for short-term stays (1–6 months), while Patriot Travel Medical Plus can also be used for short visits if you want higher coverage or pre-existing condition protection.
Can I buy Patriot America Plus insurance after my arrival in the US?Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Does Patriot Travel cover pre-existing conditions?Yes. Patriot America Plus and Platinum plans cover the acute onset of pre-existing conditions up to the policy maximum for travelers under 70 years old. Lite does not include this coverage.
How does Patriot America Plus insurance offer coverage for medical expenses?Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses.
If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5,000, then 100% up to the maximum limit. For detailed working example of how it works, you can review Patriot America Plus insurance working example.
Can US citizens buy Patriot America Plus insurance?Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
How much does IMG Patriot America Plus cost?IMG Patriot America Plus insurance starts at $77 per month on American Visitor Insurance. The exact cost may vary depending on your age, trip duration, and deductible selected, but it provides comprehensive coverage, including protection for the acute onset of pre-existing conditions.
How can I get a quote for IMG Patriot America Plus insurance?You can get an instant quote for IMG Patriot America Plus insurance online through American Visitor Insurance. Simply enter your age, trip duration, and deductible preferences to see plan options and starting prices. Quotes are free, no-obligation, and help you compare coverage levels before purchasing.
Who should buy Patriot Travel insurance?It’s ideal for travelers, parents, and families visiting the U.S. who want comprehensive coverage, higher policy limits, network discounts, and optional sports or adventure coverage
-
How does Visitors Care insurance work?Visitors Care insurance offers fixed benefit coverage for medical expenses. Visitors Care Insurance has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan’s maximum coverage.
The visitor when seeking treatment at a hospital, needs to pay the chosen deductible first, then the plan will start paying specific limits for the every medical expenses. For detailed working example of how it works, you can review Visitors Care insurance working example
How can a visitor use Visitors Care insurance in case of emergency in USA?Travelers can review this article on how to use Visitors Care insurance in case of emergency in USA.
Which is the most affordable plan offered by International medical group?Visitors Care is a fixed benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
How much do Visitors Care and Patriot Travel Medical plans cost?Visitors Care starts at $18 per month (with $100 deductible), and Patriot Travel Medical starts at $44 per month (with $250 deductible). Costs vary based on age, trip duration, and deductible selected.
Who can buy Visitors Care insurance?It is available to non-U.S. residents of all ages visiting the U.S., including parents, family members, and friends.
Does Visitors Care cover pre-existing conditions?Yes. Visitors Care travel insurance covers acute onset of pre-existing conditions up to the policy maximum for travelers up to age 70. It also provides coverage for unexpected illnesses and injuries.
🚫 IMG Insurance Restrictions
IMG Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.
Summary: Comparing Visitors Care Insurance and Patriot Travel Insurance Coverage
Visitors Care vs. Patriot Travel Medical Insurance helps international visitors to the U.S. compare affordable and comprehensive travel medical plans. Visitors Care offers budget-friendly fixed benefits in Lite, Plus, and Platinum plans, while Patriot Travel provides higher limits, broader protection, and coverage for acute onset of pre-existing conditions. Both plans cover urgent care, hospitalization, and emergency medical evacuation, making them ideal for families, parents, and short-term visitors. Compare plans and get a quote to find the coverage that fits your needs through American Visitor Insurance.
