IMG

Patriot America Plus Group Insurance

Patriot America Plus Group Insurance Reviews

Patriot America Plus Group
Insurance provider
International Medical Group
Policy maximum?
$50,000, $100,000, $500,000 per insured person
Deductible options?
$0, $100, $250, $500, $1,000 or $2,500 per insured person
Plan life? - 5 days to 12 months.
Patriot America Lite Insurance can be renewed online maximum up to 24 months.
Patriot America Plus Group insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

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Patriot America Plus Group travel insurance

  • Patriot America Plus Group Insurance offers medical insurance coverage for groups of non US citizens travelling to the USA. Patriot America Plus Group is a short term travel medical insurance offering coverage for pre-existing conditions.
  • Ideal Plan for these group:
    • College students studying overseas
    • Families sponsoring J1 visa holders
    • International travelers on vacations
    • Visiting relatives from home country
    • Newly arrived immigrants

IMG Patriot America Plus Group health insurance summary

EligibiltyPatriot America Plus Group insurance Eligibility
  • Non US citizens travelling to the USA.
  • International travelers requiring continuing coverage.
  • For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
Patriot America Travel insurance optional ridersPatriot America Plus Group 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 Replacement Rider
EligibiltyPatriot America Plus Group coinsurance?
  • 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 $5,000, then 100% up to the Maximum Limit.
Patriot America Plus Group Optional riders
  • 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: $25,000 maximum limit.
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Plan Benefits

Plan benefits of Patriot America Plus Group insurance

In-Patient Medical Benefits
COVID-19/SARS-CoV-2 Coverage Patriot America plus group insurance Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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? $1,500 maximum limit. Not subject to deductible
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
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 $250,000 (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
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? $100,000 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 $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children? $100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation? $100,000 maximum limit. Not subject to deductible
Natural disaster evacuation? $25,000 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.
Trip interruption? $10,000 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? $50,000 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 $25,000 maximum limit for emergency medical evacuation
Accidental death & dismemberment? $50,000 principal sum. Not subject to deductible
Common carrier accidental death? $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Supplemental Accident? $300 per covered accident
Extended care facility? Up to the maximum limit
Pet return? $1,000 maximum limit. Not subject to deductible
Durable medical equipment? Up to the maximum limit
Personal liability? $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
Remote transportation? $5,000 per period; $20,000 lifetime maximum
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IMG Patriot America Plus Insurance - Common Questions

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Does IMG sell Cancel for Any Reason Insurance?

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

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

special-coveragePatriot 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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International Medical Group(IMG) Insurance related coverage

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