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Visitors Care vs Patriot Travel Insurance

Visitors Care insurance vs Patriot travel insurance

International Medical Group (IMG)s Visitors Care fixed benefits plan vs IMG’s Patriot comprehensive visitor insurance plan

Visitors Care plan vs Patriot comprehensive visitor insurance plan

Visitors care travel insurance is available for Non US citizens traveling outside their home country. This plan specifies the amount of limits for every benefit like a typical fixed plan. This insurance plans does not have a co-insurance associated with it.

This plan offers acute on set of pre-existing coverage up to the plan maximum under 70 years. The Visitors care travel insurance plan is purchased for a minimum of five days and can be renewed for up to 2 years. This plan has a policy maximum options available are $25,000, $50,000 and $100,000.This

Patriot America Plus is a comprehensive visitor health insurance plan by IMG. Non US citizens traveling outside US qualify to buy this insurance product. This travel insurance plan has flexible coverage compared to Visitors Care plan and is helpful in major medical expense. This comprehensive visitor medical insurance does not limit the pre-existing condition only for heart related problems unlike the Visitors Care plan.

There is a co-insurance factor applicable for the first $5000 of the incurred expense and after which the insurer pays 100%. Within the PPO network, the co-insurance is 10% and outside the PPO network the co-insurance is 20%. Optional riders like adventure sports rider, evacuation plus rider, citizenship rider… are available with this comprehensive travel insurance product.

Visitors Care

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Patriot America plus

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What does visitor travel insurance cover?

local_hospital

Health care expenses

Covers hospital expenses for sickness or accidents.

person

Doctor visit

Insures Doctor visits for sudden injury or sickness.

medication

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

ecg_heart

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

ambulance

Medical evacuation

Medical evacuation expenses to nearest facility included.

procedure

Repat of remains

Repatriation of remains to home country included.

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Visitors Care Plan

Is available for Non US citizens traveling outside their home country plan specifies the amount of limits for every benefit like a typical fixed plan.Does not have a co-insurance associated with it.

Isoffers acuteonset of pre-existing coverage up to the plan maximum under 70 years Should be purchased for a minimum of five days and can be renewed for up to 2 years. Has a policy maximum options available are $25,000, $50,000 and $100,000.

Patriot comprehensive visitor insurance plan

Is a comprehensive visitor health insurance plan by IMG Non US citizens traveling outside US qualify to buy this insurance product Flexible coverage compared to Visitors Care plan and is helpful in major medical expense Does not limit the pre-existing condition only for heart related problems.

There is a co-insurance factor applicable for the first $5000 of the incurred expense and after which the insurer pays 100%. Within the PPO network, the co-insurance is 10% and outside the PPO network the co-insurance is 20% Optional riders like adventure sports rider, evacuation plus rider, citizenship rider are available.

Patriot America Plus vs Visitors Care - FAQs

What is acute onset of pre-existing condition?

Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately.

It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.

Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.

International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Does Patriot America Plus insurance cover Covid? Does Patriot America Plus insurance cover Coronavirus?

Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

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 America Plus Insurance cover pre-existing conditions?

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

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 can one use Patriot America Plus visitor medical insurance in case of emergency in USA?

Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?

Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.

How do I cancel Patriot America Plus Insurance?

Patriot America Plus Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.

Following are the cancellation policy terms and conditions:
Cancellation before effective date:

Full refund of premium.

Cancellation after effective date:

$50 cancellation fee will be charged by the insurance company.

Only full month premium will be considered for refund.

Which is the best visitor insurance in USA?

This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries.

We can get you an ideal tourist medical insurance in USA. We offer Patriot America insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.
Is IMG a good insurance company?

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time.

IMG on average takes less than 30 days to settle its claims. International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system.

Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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.