Patriot America Plus Group Insurance, IMG Patriot America Group insurance with Pre-existing Conditions Coverage

Patriot America Plus Group Insurance

Patriot America Plus Group Insurance is comprehensive travel medical insurance for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. Include coverage for medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen baggage, and travel delays. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of five days up to a maximum of two years, 5% discount available for group rates.

Patriot America Plus Insurance covers acute onset of pre-existing conditions, but they are only covered prior to age 70. The traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

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Key benefits of Patriot America Plus Group Insurance

Acute onset of a pre-existing condition

Hospital indemnity

Group medical coverage

Urgent Care Clinic

Renewability

Emergency medical evacuation

Patriot America Plus Group Insurance Reviews

Coverage	Description
Take a quote & purchase for Individual	Patriot America Plus insurance page
Insurance provider	International Medical Group (IMG)
Patriot America Plus insurance underwriter	Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.
Insurance rating	“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Plan life	5 days up to 12 months Patriot America Plus Insurance can be renewed online maximum up to 24 months.
Policy maximum	$50k, $100k, $500k, $1Mk
Deductible options	$0, $100, $250, $500, $1k, $2.5k.
Coinsurance	In Network: The plan pays 100% Out of Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
Pre-Existing Conditions	Acute onset of pre-existing conditions
Optional Riders	Provide additional coverage for a minimal charge. Read more »
Compare Patriot travel plans	Compare Patriot Travel Insurance Plans

Patriot America Plus Links

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Patriot America Plus brochure links
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Detail Description
Benefits
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Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Patriot America Plus Group travel insurance - Key Highlights

Coverage for non-U.S. residents traveling to the USA
Coverage for acute onset of pre-existing conditions
Coverage for groups with 5% discount.
Renewable up to 24 months
Maximum Limits from $10k to $1M
Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.

International Medical Group Patriot America Plus visitors insurance

Patriot America Plus insurance Eligibility

Non US citizens travelling to the USA.
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days
International travelers requiring continuing coverage.
US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.

Coinsurance of IMG Patriot America Plus Insurance

For treatment received outside the U.S : No coinsurance.
For treatment received within the U.S :
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition

Under 70 years of age
- Up to period of coverage maximum limit.
Acute onset of a pre-existing condition - Emergency medical evacuation

Under 70 years of age: $25k maximum limit.

Patriot America Plus Travel insurance optional riders

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

Adventure Sports Rider
Chaperone/Faculty Leader Replacement Rider
Accidental Death & Dismemberment
Bolt Device Protection (Cellular Phone Rider)
Trip Cancellation, Interruption and Travel Delay Rider

Click here to read more »

Patriot America Plus Group - PPO network

Patriot America Plus Group - Provider network and how to find hospital or doctor?

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

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Plan benefits of Patriot America Plus insurance

Eligible medical expenses	Up to the maximum limit
Hospital room and board	Average semi-private room rate, including nursing services
Surgery	Up to the maximum limit
Intensive care unit	Up to the overall maximum limit.
Bedside visit	$1.5k maximum limit. Not subject to deductible
Supplemental Accident	Maximum limit per covered accident: $300
Hospital indemnity	$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible

Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Physician visits	Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray	Up to the maximum limit
Walk-In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory	Up to the maximum limit
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Chemotherapy / Radiation Therapy	Up to the maximum limit
Physical Therapy	Up to the maximum limit (Medical order or treatment plan required)
Pre-Admission Testing	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the maximum limit
Prescription Drugs and Medications	Up to the plan maximum limit, may not exceed $250K (Dispensing limit per prescription: 90 days)
Reconstructive Surgery	Up to the maximum limit
Chiropractic Care	Up to the maximum limit

Emergency local ambulance	Up to the maximum limit.
Hospital emergency room	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
Interfacility ambulance transfer	Company pays 100%
Emergency eye examination	$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)

Emergency dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%

Emergency medical evacuation	Up to the maximum limit. Not subject to deductible
Emergency reunion	$100k maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial	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
Return of minor children	$100k maximum limit. Not subject to deductible
Political evacuation and repatriation	$100k maximum limit. Not subject to deductible
Natural disaster evacuation	$25k maximum limit. Not subject to deductible (Must be approved in advance by the company)

Natural disaster	$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Return travel	$10k maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death	$500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person)
Identity theft	$500 maximum limit. Not subject to deductible
Terrorism	$50k maximum limit. Not subject to deductible
Lost luggage	$50 per item, $500 maximum limit. Not subject to deductible

Acute Onset of Pre-Existing Conditions	Up to the maximum limit.(Insured person must be under 70 years of age)
Pre-Existing condition medical evacuation	$25k maximum limit for emergency medical evacuation

Accidental death & dismemberment	$50k principal sum. Not subject to deductible
Common carrier accidental death	$25k per insured child, $100K per insured adult, $250k maximum limit per family. Not subject to deductible

Extended care facility	Up to the maximum limit
Pet return	$1K maximum limit. Not subject to deductible
Durable medical equipment	Up to the maximum limit
Extended care facility	Up to the maximum limit
Personal liability	$25k 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

Patriot America Plus Group Insurance Optional Riders

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.

Age	Maximum limit
0-49 years	$50k certificate period
50-59 years	$30k certificate period
60-64 years	$15k 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 $3K 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 $400K 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 for 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.

Disclaimer:

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Patriot America Plus Group Insurance Restrictions

Patriot America Plus Group Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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IMG Patriot America Plus Insurance - FAQ's

It is a short term travel health insurance for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.

The plan covers acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan.

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

Patriot America Plus Group Insurance is a comprehensive travel medical insurance plan for non-U.S. residents traveling to the USA.
The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of five days up to a maximum of two years.
The plan covers acute onset of pre-existing conditions, but they are only covered prior to age 70.
Include coverage for medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen baggage, and travel delays. The plan also offers COVID coverage for travelers to the USA.

Activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.