Patriot America Plus Travel Insurance for US Visitors
Patriot America Plus insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. Patriot America Plus US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.
Underwritten by Sirius International Insurance Group with a rating of “A” is most popular visitor medical insurance among international travelers visiting USA. US citizens living abroad and visiting USA can also buy Patriot America Plus travel medical insurance. This plan offers coverage from 5 days to 364 days.
Key Benefits of Patriot America Plus Insurance
ecg_heartAcute onset of a pre-existing condition
signal_cellular_altComprehensive Coverage
ambulanceEmergency medical evacuation
local_hospitalUrgent Care Clinic
syncRenewability
United Health Care PPO
Patriot America Plus Visitor Insurance Links
Pre-Existing Conditions Coverage with Patriot America Plus
Coverage for Acute Onset of Pre-Existing Conditions
- Definition: The plan provides coverage for sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age.
- Eligibility Criteria: The acute onset must occur within the initial period of coverage.
Coverage Limits for Pre-Existing Conditions
- Under 70 Years of Age: Covers Up to the medical maximum
- Acute onset of a pre-existing condition - Emergency medical evacuation
- Under 70 years of age:$25k maximum limit.
Exclusions for Pre-Existing Conditions
- Regular treatment or ongoing care for pre-existing conditions is not covered.
- Planned treatments, check-ups, or maintenance medications are typically excluded.
- Any condition that is not deemed an acute onset is also not covered under this plan.
Patriot Plus Insurance - Key Highlights
- This is comprehensive travel insurance by IMG and is similar to the Patriot America Lite with the difference in the benefit that covers acute onset of pre-existing conditions up to the age of 70
- Maximum Limits from $10,000 to $1,000,000.
- Short-term travel medical insurance for non-U.S. individuals, families, and groups from 5 days to 2 years.
- The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
- US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
- Plan is renewable for up to 2 years.
- Plan is suitable for Green Card holders as long as they reside outside the US.
IMG Patriot America Plus Visitors insurance Summary
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.
American Patriot 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.
Patriot America Plus Insurance - Common Questions
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.
Patriot America Plus is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days.
Patriot America Plus is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.
Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.
When traveling to the USA, especially for older adults or individuals with existing medical conditions, healthcare costs can be a significant concern. Patriot America Plus stands out among travel insurance plans for its unique approach to pre-existing conditions. While many travel insurance plans completely exclude coverage for pre-existing conditions, Patriot America Plus offers limited but crucial protection for the acute onset of these conditions. This means that travelers can have peace of mind knowing they are covered in case of a sudden and unexpected medical emergency related to a pre-existing condition.
Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
Yes, travelers over the age of 80 are not eligible for pre-existing condition coverage. Coverage limits also vary for those over 70.
File a claim by submitting medical records and documentation to IMG within the specified timeframe after treatment.
Patriot America Plus Claims Information
Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »
Contact our customer service team, we are here to help you!
Resourceful links for IMG Patriot Travel Insurance
Patriot America Plus Insurance FAQ
Frequently asked questions and answer about travel insurance plans.
Read more »Patriot America Plus Insurance blog
IMG popular travel health insurance plan with pre-existing coverage.
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Customer queries about Patriot America insurance plan.
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Claims procedure of visitors and students medical insurance plans offered by IMG
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