Patriot Travel Insurance for Coverage Clarification

questionHello,
I am looking for some temp coverage for my 14 yr old twin girls returning to the USA in the next 20 days to cover for period from their arrival in usa until their regular enrollment under 2019 open enrollment eff date of coverage beginning 01/01/2019. This is because I can't enroll them until after arriving in the USA from India and until Nov 1, 2018 when open enrollment begins. Thanks. Prefer email with complete info including application procedure to apply online from here in Chennai, India, also including cost and deductibles info. Would need to pay for coverage using credit/debit card from over here directly while enrolling. Much appreciate all your help.
Thanks,
Jay

questionDear Jay,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!. The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. These plans are ideal for your 14 year old twin girls returning to the US. Recently, this company made changes to their plans which allow US citizens who reside abroad to purchase these plans for short trips back home to the US. You can get all details about Patriot insurance. You can purchase the policy online.
Patriot America     Plan Details     Buy Now

This company has recently made a new policy which covers "acute onset of pre-existing conditions". That policy is called Patriot America Plus and is in all other ways the same as the Patriot America policy. You can go here, to purchase the plan and/or get a free quote
Patriot America Plus     Plan Details     Buy Now

You can buy any of these plans, by using the buy link provided above for both of them, and you can see the price for the plans there. You can select your preferred deductible and policy maximum and see the premium for the selected price. You can then complete the application and purchase the plan by paying through your credit card. You will receive a confirmation email from the insurance company to your email address which will have the ID card and the policy details attached to it. You can download the ID Card and policy letter for your future use.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I am US citizen. My wife is Philippine citizen and my son is a dual citizen. I need insurance for my wife and son to visit US. Which country of citizenship should I enter for my son. Can I buy the same plan for my wife and son? Can they both be on one plan or should I do separate ones? Which address should I use for the residence mailing address for my son?
Thanks,
Richard

questionDear Richard,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!. If the children are US citizens, you need to specify the US citizenship while filling out the application online. Patriot America plan is available for both US and Non US citizens. You can put your wife as the primary holder and your son as dependent on one plan.
You need to mention that your son is US citizen for citizenship and for country of residence, you need to put the Philippine mailing address.
The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. Recently, this company made changes to their plans which allow US citizens who reside abroad to purchase these plans for short trips back home to the US. You can get all details about Patriot insurance at -
Patriot America     Plan Details     Buy Now

This company has recently made a new policy which covers "acute onset of pre-existing conditions" for persons under 70 years of age. That policy is called Patriot America Plus and is in all other ways the same as the Patriot America policy. Here is our website with all the details on that plan:
Patriot America Plus     Plan Details     Buy Now

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
What is the plan that is available for Permanent residents as well as the US citizens who is living abroad and want to visit US for short term?
Thanks,
Adi

questionDear Adi,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!. The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. Recently, this company made changes to their plans which allow US citizens who reside abroad to purchase these plans for short trips back home to the US. This plan is also available for permanent residents of the US.
You can get all details about Patriot insurance at -
Patriot America     Plan Details     Buy Now

This company has recently made a new policy which covers "acute onset of pre-existing conditions" for persons under 70 years of age. That policy is called Patriot America Plus and is in all other ways the same as the Patriot America policy. Here is our website with all the details on that plan:
Patriot America Plus     Plan Details     Buy Now

Please let us know in case of any further questions.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I want information regarding Patriot America Plus Insurance plan. Specifically, whether the plan covers pre-existing condition..
Thanks,
Shreekant

questionDear Shreekant,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!. Technically, no plan we offer will cover pre-existing medical conditions. That means, if a person requires regular medication or treatment, the plan will not pay for it (nor for a doctor visit to continue such treatment). So, if a person is on dialysis, the plan will not pay for this continued, although necessary treatment. Nor will the plan pay for heart medication for a heart patient.

What it does cover is called "acute onset" of a pre-existing condition for persons under 70 years of age. What this means is, should the person have an emergency due to their pre-existing condition, then they WILL be covered up to the maximum of the plan for that hospitalization and treatment. Note that it cannot be due to lack of required medical treatment, but must be something unexpected. "Acute" refers to the fact that the condition must be taken care of right away and is life-threatening (or to cause major functional harm like loss of limb or blindness).

You can find this outlined in the brochure. Many people find this confusing, because the plan documents will say they DO NOT cover pre-existing conditions as well as say that they do. That is because the coverage is limited in the above way I have described.

Patriot America Plus     Plan Details     Buy Now

I hope this has helped you. It's a great plan and I often recommend it to clients.

Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
Do you not offer Patriot Travel Medical insurance as an option?
Thanks,
Anu

questionDear Anu,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!. We certainly do offer Patriot Travel Medical Insurance! There are several Patriot plans. If you are a non-US citizen, then you can purchase either Patriot America or Patriot America Plus. The message below will explain the differences. The Patriot insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America.

You can get all details about Patriot insurance and can purchase the policy online at -

Patriot America     Plan Details     Buy Now

This company has recently made a new policy which covers "acute onset of pre-existing conditions" for persons under 70 years of age. That policy is called Patriot America Plus and is in all other ways the same as the Patriot America policy. You can get all details and can purchase the policy online for Patriot America Plus -

Patriot America Plus     Plan Details     Buy Now

Feel free to call or email us with any questions or comments you may have.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I am trying to purchase Patriot America plan and while I sign I am able to type in my name but not insert signature electronically. Please confirm if this is ok?
Thanks,
Monique

questionDear Monique,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!.
Regarding your question on inserting electronic signature, it is fine if you could type it. There is no need for an electronic signature.
Please let us know if we can help you in any further.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear Customer Care,
Please inform me the following:
  • List of the medical centers, clinics, doctors, hospitals, emergency centers etc in network of Patriot America Plus.
  • Will F2 visa holder be eligible?
  • Will it cover pre-existing condition if it gets worse?
  • Will it cover dental care?
Yours sincerely,
Rifat

questionDear Rifat,
Find your answers below:
  • You can search the company‚Äôs PPO network using the links below; you will have to put in your zip code and then choose what type of provider/hospital you are interested in.
  • A dependent of a F1 visa holder is perfectly eligible for any of the visitor medical insurance for F2 visa holders we offer on our website. The only issue is that some institutions have requirements that must be met. In that case, we would have to make sure that those requirements are met.
  • A covered illness will be covered by the same policy as long as you maintain continuous coverage (renew and do not let the policy expire).
  • Injury to a tooth is covered to maximum of the plan; however, a sudden pain will only be covered in the amount of $100 (anything else will not be covered). Does not cover regular check-ups or teeth cleaning.
Thank you for your interest in Patriot America Plus. It is a very good and economical policy which we recommend quite often. Here are the links for the plan below:

Patriot America Plus     Plan Details     Buy Now

Do let us know if you have any further questions.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear sir,
I want to buy Patriot travel insurance. But when I have filled all the application and I sign up, the system says that an error ocurred, I have to put my last name. I dont understand, I put my whole name which is Alejandro Navarro Trell, and the system says the same. Please could you help me, I dont know what happens.
Looking forward to hear you soon.
Regards,
Alejandro

questionDear Aalejandro Navarro,
I suspect that you are filling your entire name in the first box in the row "First (Given Name) / Last Name (Surname)". There are two boxes there, please enter 'Alejandro Navarro' in the first box and 'Trell' in the second box.
You should have no problem if you complete the application this way. Please complete the form using:

Buy Now

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionDear American Visitor Insurance,
I am trying to buy the Patriot International plan and have a few Questions. I am an Indian passport holder, but currently live in the US. I am traveling to Iceland on a holiday. While purchasing the plan, I am asked what is my Primary Destination country ? I am confused because it states - "For non-U.S. citizens, select U.S. if any of your destinations include the U.S. "
Best regards,
Lalita

questionDear Lalita,
Thank you for contacting American Visitor Insurance. The Primary Destination country in your case is 'Iceland', and your home country is the United States.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I have insurance through patriot america at IMG. I would like to know if a claim can be submitted by email instead of mail or fax? Customer care said I can. What would be the email address?
Thanks,
Aishwarya

questionDear Aishwarya,
The email address for IMG is insurance@imglobal.com. Be sure you follow their instructions on the claims form available from our website or your email confirmation.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHello,
I had a few questions on Patriot America plan that I am interested in purchasing for my father who is 67 years and is coming to USA and his home country is Bangladesh.
  • Will Patriot America cover for a general practitioner visit and routine blood tests if necessary?
  • Is there any waiting period for accessing the services?
  • Can you advise me what will be the total premium from say 08/11/2014--23/02/2015,in USA with Patriot America, in the Brochure Option 1
  • My father will come to Melbourne from USA and then return to home country Bangladesh. Is it possible to cover that travel from LA to Melbourne? From Australia I will arrange insurance with him.
Regards,
Shaila

questionDear Shaila,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!.
Here are our answers to your questions.
  • Patriot America or any other short term travel medical insurance plan does not provide coverage for routine check ups (preventive care). Patriot America Plus Plan provides coverage for an unexpected sickness or injury. If your visitor has pre existing conditions then any sudden recurrence of the condition will be getting choosen maximum coverage up to 70 years for Non US citizen .
  • There is no waiting period on accessing any services. This plan however needs to be purchased before 30 days after arrival in US.
  • For a policy maximum of $50,000 and a deductible of $250, for the age 67, the premium for the specified time period would be about $528.95.
  • Assuming that your father is a Non US Citizen, he can get coverage through Patriot America from USA to Melbourne. Hope fully this was helpful!

Patriot America      Plan Details     Buy Now

Please let us know if you have any further questions.

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019
questionHi,
I am interested in availing PATRIOT EXCHANGE INSURANCE and I would like to know whether there is any three months or six months payment option instead of one year
Thank you,
Praveen Kumar

questionDear Praveen,
Thank you for contacting us at American Visitor Insurance for your travel health insurance needs!.
The minimum purchase time for the plan is 1 month for it to be renewable. It can be purchased for any number of months.
So, yes, go ahead and make your purchase.
I am including the BUY link and details of the Patriot Exchange plan for your reference:

Patriot Exchange     Buy Now     Brochure

Regards,
Customer care
+1 (877) 340 7910Reviewed and Updated : April 2019

International Medical Group, IMG Patriot travel insurance Links

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Forum Entries x
  1. Visitors Insurance Forum
    1. Travel Insurance
    2. US citizens visiting USA
    3. US citizens travelling outside USA
    4. Pre Existing Conditions
    5. Coverage for Australians
    6. Senior Citizens
    7. Family
    8. Maternity
    9. Atlas Travel Policy
    10. Patriot Travel Policy
    11. Liaison Travel
    12. How an insurance plan works?
    13. FAQs Forum
  2. Student Insurance Forum
    1. Student Secure Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Student Health Advantage
    5. OPT Insurance
    6. F2 Visa Insurance
  3. Adventure Sports Coverage
    1. Motorcross Coverage
  4. J1 Visa Insurance Forum
    1. J2 Visa Insurance
    2. Study USA Insurance
    3. Patriot Exchange
    4. Family
    5. Maternity
    6. Evacuation-Repatriation Insurance
    7. University Insurance
  5. H1/H4 Visa Insurance Forum
  6. K1 Visa Insurance Forum
  7. International Health Insurance Forum
  8. Green Card Holders
  9. Schengen Visa Insurance Forum
  10. Insurance Cancellation Forum
  11. Insurance Clarification Forum
    1. Buying Insurance
    2. Coverage
    3. Renewal
  12. Direct Billing & Claims Forum
  13. Safe Travel Forum
  14. Visitor Insurance FAQs
  15. Visitor Insurance Blogs
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