Are you traveling as a Group?
Get a 5% group discount on IMG Patriot America Plus travel medical insurance.
Get a 5% group discount on IMG Patriot America Plus travel medical insurance.
Ideal for international visitors to the U.S., Starting at just $1.56/day*
Patriot America Plus insurance offers comprehensive medical insurance for non-US citizens visiting the USA individually or in groups.COVID-19 is covered if contracted after the policy start date. Backed by a top-rated insurance company (A rating by AM Best) it is a popular choice among US visitors.
Key Features:After buying the plan, Travelers can get the Patriot America Plus id card and all the plan document by using Patriot America Plus insurance login You can also complete the Patriot America plus insurance application form. to ensure you have the coverage you need while traveling to the USA. At American Visitor Insurance, USA Travelers can contact the Patriot America Plus insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
*The price shown is for a 30-day trip with a $50,000 maximum coverage and a $250 deductible for a 25-year-old traveler.
The policy maximum amount of coverage is the total dollar amount of benefits available under the Patriot America Plus plan. Once the maximum is reached, no additional benefits will be paid.
The deductible is the amount the insured must pay before Patriot medical insurance starts to cover expenses.
Patriot America Plus insurance has deductible options of : $0, $100, $250, $500, $1,000, $2,500
Coinsurance is the percentage of eligible expenses that the insurance pays after the deductible is met. Patriot America Plus insurance pays:
Patriot America Plus Insurance is a budget-friendly travel medical insurance plan designed for non-U.S. residents visiting the United States. It is administered by IMG (International Medical Group) and underwritten by SiriusPoint Specialty Insurance Corporation, rated A- (Excellent) by A.M. Best, ensuring financial stability and reliable claims processing. This plan is best for short-term visitors, students, parents, and business travelers who need essential medical protection in the U.S. Here are the key reasons to choose Patriot America Plus Insurance:
The Patriot America Plus insurance cost per month is starting at just $47 to $790 and the cost depends on:
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Example: Below is the monthly cost of Patriot America Plus insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | ||||
|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 18 – 29 years | $47 | $60 | $66 | $83 | $96 |
| 30–39 years | $58 | $79 | $93 | $99 | $109 |
| 40 – 49 years | $77 | $94 | $106 | $125 | $139 |
| 50 – 59 years | $128 | $157 | $195 | $221 | $243 |
| 60 -64 years | $164 | $212 | $231 | $289 | $311 |
| 65 – 69 years | $173 | $223 | $279 | $361 | $370 |
| 70 – 79 years | $287 | $434 | Not available | ||
For senior travelers aged 80–99: $790/month for $10,000 coverage with $250 deductible.
Premium is based on deductible factor: Higher deductibles = lower premiums
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
Patriot America Plus provides excellent travel insurance for visitors to the USA, offering comprehensive coverage for medical emergencies, hospital stays, and trip interruptions. With flexible deductible options and strong benefits, it is widely regarded as the best visitor insurance for the USA, ensuring travelers have the protection they need while visiting the United States.
| 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 |
| Acute Onset of Pre-Existing Conditions help | 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 |
| Lost luggage help | $50 per item, $500 maximum limit. Not subject to deductible |
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 is available for individuals up to 65 years of age.
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 participating in adventure activities. The covered adventure sports include: 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 |
Groups may purchase the Chaperone/Faculty Leader Replacement Rider or added travel protection.
This rider provides reimbursement of up to $3,000 for a round-trip economy airline ticket for a replacement Chaperone or Faculty Leader if the originally designated individual is unable to travel due to:
Note: This rider is only available with group plans.
The AD&D Rider provides additional financial protection by paying up to $400,000 to you or your beneficiaries if death or dismemberment occurs as a direct result of an accident.
Key Highlights:
Note: This is an optional rider and must be selected during the policy purchase.
Accidental Death & Dismemberment - More Details picture_as_pdf
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential — and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
Available an individual plans U.S. residents only
Should something unexpected happen before or during your trip, this optional rider can help protect you from financial loss by covering:
While all Patriot plans include basic return travel benefits, the Trip Cancellation, Interruption, & Travel Delay Rider offers expanded coverage for unforeseen events.
If you are unable to travel due to a covered reason (such as illness, natural disaster, or other unexpected situations), this rider can reimburse you for up to 100% of prepaid, non-refundable payments or deposits that would otherwise be lost. Protect your travel investment and gain peace of mind before your journey begins.
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation |
|
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.
Inside the U.S., the UnitedHealthCare Options Network is a top-tier provider network giving access to numerous doctors and services.
Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.
Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.
local_hospital Find PPO Network Providers »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.
To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can buy Patriot America Plus insurance online easily through American Visitor Insurance. Just enter your travel details, compare plans, choose your coverage, and complete the purchase in minutes. You’ll get your ID card and policy documents instantly by email.
Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5k, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.
Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.
Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.
Yes. Patriot America Plus have $50 cancellation fee after the effective date.
Yes, IMG’s Patriot America Plus offers pre-existing condition coverage for non-U.S. residents traveling to the USA up to the age of 70 years, but only for acute onset of pre-existing conditions. This means that the condition must be sudden and unexpected, and require urgent medical care. The coverage is limited by age and other conditions and restrictions.
You can learn more about Patriot America Plus pre-existing condition coverage on American Visitor Insurance.
Yes, you will be covered by the Patriot America Plus insurance plan if you are traveling to multiple countries, as long as your travel includes the USA and you meet the eligibility criteria. The plan provides coverage for non-U.S. residents visiting the USA, as well as U.S. citizens living abroad and traveling to the USA for a short trip. For more details, check out a Patriot America Plus insurance review.
Yes. Patriot America Plus have $50 cancellation fee after the effective date.
Yes. Adventure sports coverage is available as optional rider 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. Click here to know more »
Patriot America Plus is a best comprehensive visitor insurance plan rated A- by AM best, designed for non-us citizens visiting the U.S.
This plan is the best option for parents visiting USA, short term international travelers and first time travelers looking for affordable comprehensive coverage during the stay in the US.
Yes, you can pay for the Patriot America Plus visitor medical insurance on a monthly basis. This plan offers both daily and monthly rate options, allowing you to purchase coverage from minimum 5 days to maximum of 2 years. The Patriot America Plus plan does not renew automatically. If you need continued coverage, you must manually renew the plan before it expires. You can extend your coverage in either full-month or daily increments. Renewals can be submitted online or by paper application. If you choose to renew for less than one month online, a $5 processing fee will apply.
Yes, IMG Patriot America Plus is one of the best travel insurance option for seniors visiting the USA, especially those under the age of 70. It offers comprehensive coverage for medical emergencies, including the acute onset of pre-existing conditions, which is important for older travelers. With flexible deductible and policy maximum options, Patriot America Plus is considered one of the best visitor insurance plans for seniors traveling to the USA.
To file a claim with Patriot America Plus Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
Patriot medical insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
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