Patriot America Insurance, IMG Patriot America travel insurance, IMG Patriot America Insurance Cost.

What is Patriot America Insurance?

Patriot America insurance offers Comprehensive benefit short term medical insurance coverage to Non US residents traveling to the United States or its territories. It is popular among visitors to US and is offered by a top rated insurance provider with a AM best rating of “A” (excellent). It is an ideal visitor medical insurance for parents visiting USA and foreign tourists to the United States. US citizens living abroad and visiting USA can also buy Patriot American insurance.

The Patriot America Insurance provides a comprehensive range of essential benefits designed to meet both the medical and budgetary needs of all travelers. Patriot America Insurance plan has three options:

Patriot America Lite

Medical maximum options from $50,000, $100,000, $500,000, $1,000,000
Deductible options are $0, $100, $250, $500, $1,000, $2,500
Plan is suitable for Green Card holders.
Telehealth services optional coverage available
Offers coverage for adventure sports and other sports activities.
Patriot America Lite insurance cost for a 40 year old traveler starts from $55 to $184 per month, depending on the selected coverage maximum from $50,000 to $1,000,000 and deductible from $0 to $2,500.

Plan Details Brochure Patriot America Reviews

local_hospital
Provider Network
ambulance
Prescription Drugs
Up to maximum limit
person
Political evacuation and repatriation
$100,000 maximum limit
local_hospital
Urgent Care
Up to $25 copay
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Patriot America Plus

Medical maximum options from $50,000, $100,000, $500,000, $1,000,000
Deductible options are $0, $100, $250, $500, $1,000, $2,500
Acute onset of pre-existing conditions up to 70 years.
Telehealth services optional coverage available
Plan is suitable for Green Card holders.
Offers coverage for adventure sports and other sports activities.
Patriot America Plus insurance cost for a 40 year old traveler starts from $55 to $183 per month, depending on the selected coverage maximum from $50,000 to $1,000,000 and deductible from $0 to $2,500.

Plan Details Brochure Patriot Plus Reviews

local_hospital
Provider Network
ambulance
Prescription Drugs
Up to maximum limit
person
Political evacuation and repatriation
$100,000 maximum limit
local_hospital
Urgent care
$25 copay
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Patriot America Platinum

First class medical coverage up to $8,000,000
Higher limits & more coverage than Patriot Lite Travel or Patriot Plus
Acute onset of pre-existing conditions up to 70 years.
This plan is renewable for a maximum of 36 months.
Telehealth services and evacuation plus coverages are included
Travel Intelligence benefit also included
Patriot America Platinum insurance cost for a 40 year old traveler starts from $80 to $373 per month, depending on the selected coverage maximum from $2,000,000 to $8,000,000 and deductible from $0 to $25,000.

Plan Details Brochure Patriot Platinum Reviews

local_hospital
Provider Network
ambulance
Prescription Drugs
Up to the maximum limit
person
Political evacuation and repatriation
$100,000 maximum limit
local_hospital
Urgent care
$25 copay
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Quick comparision of IMG Patriot America travel insurance plans

These Patriot America visitor insurance plans ideal for for traveling outside of your home country.

Insurance Plans	Patriot Lite	Patriot Plus	Patriot America Platinum
Maximum Limit	Up to $1,000,000	Up to $1,000,000	Up to $8,000,000
Deductible	$0 to $2,500	$0 to $2,500	$0 to $25,000
Ideal for	US citizens visiting USA	Acute onset of pre-existing conditions	First-class medical coverage
Extensions	24 months	24 months	36 months
Emergency Medical Evacuation	$1,000,000	$1,000,000	Up to maximum limit
Coinsurance (In Network)	100%	100%	100%
Coinsurance (Out of Network)	80% up to $5,000 - then 100%	80% up to $5,000 - then 100%	90% up to $5,000 - then 100%
Acute Onset of Pre-Existing Conditions	cancel	check_circle	check_circle
Travel Intelligence	cancel	cancel	check_circle
Telehealth	Optional add-on available	Optional add-on available	check_circle
Evacuation Plus	cancel	cancel	check_circle
	Brochure	Brochure	Brochure
	Buy Online	Buy Online	Buy Online

How much does Patriot America insurance cost per month?

The best IMG Patriot travel insurance cost is ranges between $78 to $561 for a month. The cost depends on the age of the visitor, medical maximum coverage and deductible, visitors coverage type (Fixed vs comprehensive coverage), and any visitors insurance coverage for pre-existing conditions.

Plan Name	Maximum coverage	Cost for 40 years	Cost for 50 years	Cost for 60 years
Patriot America Lite	$50,000 - $1,000,000	$78 - $146	$118 - $217	$137 - $274
Patriot America Plus	$50,000 - $1,000,000	$79 - $147	$130 - $244	$151 - $307
Patriot Platinum America	$2,000,000 - $8,000,000	$177 - $298	$287 - $510	$340 - $644

The average cost of Patriot America plans is based on quotes for 250 deductible for one month.

What are the benefits of Patriot America Insurance?

Home Nursing Care help	Up to the maximum limit (Upon direct transfer from an acute care facility)
Assistant Surgeon help	20% of the primary surgeon’s eligible fee
Bedside visit help	$1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible
Outpatient Surgical / Hospital Facility help	Up to the maximum limit
Laboratory help	Up to the maximum limit
Chemotherapy / Radiation Therapy help	Up to the maximum limit
Pre-Admission Testing	Up to the maximum limit
Reconstructive Surgery help	Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan)
Anesthesia help	Up to the maximum limit
Chiropractic Care help	Up to the maximum limit
Extended care facility help	Up to the maximum limit
Emergency eye examination help	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
Hospital room and board help	Average semi-private room rate, including nursing services
Radiology / X-ray help	Up to the maximum limit
Physician visits help	Physician visits or services: Up to the maximum limit
Physical Therapy help	Up to the maximum limit (Medical order or treatment plan required)
Walk-In Clinic help	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Urgent Care Clinic help	$25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Traumatic Dental Injury help	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Surgery help	Up to the maximum limit
Intensive care unit help	Up to the overall maximum limit.
Durable medical equipment help	Up to the maximum limit
Emergency dental treatment help	$300 maximum limit due to accident or unexpected pain to sound natural teeth
Prescription Drugs and Medications help	Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Supplemental Accident help	Maximum limit per covered accident: $300
Hospital emergency room help	Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Physician visits help	Up to the maximum limit

Interfacility ambulance transfer help	Company pays 100%
Natural disaster help	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Political evacuation and repatriation help	$100,000 maximum limit. Not subject to deductible
Emergency medical evacuation help	Up to $1,000,000
Return of mortal remains or cremation/burial help	Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Emergency local ambulance help	Up to the maximum limit.
Return of minor children help	$100,000 maximum limit. Not subject to deductible
Natural disaster evacuation help	$25,000 maximum limit. Not subject to deductible
Emergency reunion help	$100,000 maximum limit. Not subject to deductible
Remote transportation help	$5,000 per certificate period / $20k maximum limit
Terrorism help	Up to $50,000 maximum limit. Not subject to deductible

Accidental death & dismemberment help	$50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible
Personal liability help	$25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property
Pet return help	$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death help	$500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person)
Return travel help	$10,000 maximum limit. Not subject to deductible
Identity theft help	$500 maximum limit. Not subject to deductible
Common carrier accidental death help	$25,000 per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible

Lost luggage help $50 per item, $500 maximum limit. Not subject to deductible
Telehealth Optional add-on available

IMG Patriot America insurance reviews

Reviews, Ratings and Experiences

Simple and straight forward combined with good coverage for the price. This is our third policy with IMG, and we have been very satisfied.

| Steve E

Very user-friendly online application process with various options to match your budget or needs.

| Joan

Easy to use and understand. I have been very satisfied with my previous purchases from this company and will continue to use them in the future.

| Kelli M

What optional benefits are included in Patriot America insurance?

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.

This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.

Age	Maximum limit
0-49 years	$50,000 certificate period
50-59 years	$30,000 certificate period
60-64 years	$15,000 certificate period

Adventure Sports Rider - More Details

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)

Chaperone Replacement Rider - More Details

The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.

Accidental Death & Dismemberment - More Details

Available in select countries on individual plans only

Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Available an individual plans U.S. residents only

Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

What is the Patriot America Insurance PPO network?

Visitors insurance ppo network We have two different network providers for our plans.

IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.

IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.

If you purchase Patriot America Lite insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."

When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.

Patriot America Lite PPO network »

How do I file a claim with Patriot America Insurance?

To file a claim with Patriot America Insurance, follow these steps:

Download the Claims Form: Access the Patriot America insurance claims form online.
Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
Email Assistance: For additional help or inquiries, email customercare@imglobal.com.

Know more about IMG Claims »