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_heart Acute onset of a pre-existing condition
signal_cellular_alt Comprehensive Coverage
ambulance Emergency medical evacuation
local_hospital Urgent Care Clinic
sync Renewability
United HealthCare PPO
Patriot America Plus Insurance Reviews
Patriot America Plus Visitor Insurance Links
Patriot America Plus Insurance - Key Highlights
- This is a comprehensive travel insurance by IMG which covers acute onset of pre-existing conditions up to the age of 70 years.
- 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 living abroad can buy this plan for visiting the US for short duration.
- 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
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.
Coinsurance of IMG Patriot America Plus Insurance
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.
- 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 coverage for travelers under 70 years of age:
- $25k maximum limit.
Patriot America Travel insurance optional riders
- Adventure Sports Rider
- Chaperone/Faculty Leader Replacement Rider
- Accidental Death & Dismemberment
- Bolt Device Protection (Cellular Phone Rider)
- Trip Cancellation, Interruption and Travel Delay Rider
Patriot America Plus - UnitedHealth Care Travel insurance PPO network
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.
If you purchase Patriot America Plus 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."
local_hospital Find Provider NetworkReview and compare the best Patriot America Plus visitor medical insurance quotes.
Compare Patriot America Plus insurance quotes »Plan benefits of Patriot American Plus insurance
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Eligible medical expenses help Up to the maximum limit Hospital room and board help Average semi-private room rate, including nursing services Surgery help Up to the maximum limit Intensive care unit help Up to the overall maximum limit. Bedside visit help $1.5k maximum limit. Not subject to deductible Supplemental Accident help Maximum limit per covered accident: $300 Hospital indemnity help $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 help 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 help $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Radiology / X-ray help Up to the maximum limit Walk-In Clinic help $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Laboratory help Up to the maximum limit Outpatient Surgical / Hospital Facility help Up to the maximum limit Chemotherapy / Radiation Therapy help Up to the maximum limit Physical Therapy help Up to the maximum limit (Medical order or treatment plan required) Pre-Admission Testing Up to the maximum limit Assistant Surgeon help 20% of the primary surgeon’s eligible fee Anesthesia help Up to the maximum limit Prescription Drugs and Medications help Up to the plan maximum limit, may not exceed $250K (Dispensing limit per prescription: 90 days) Reconstructive Surgery help Up to the maximum limit Chiropractic Care help Up to the maximum limit -
Emergency local ambulance help Up to the maximum limit. 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 limitInterfacility ambulance transfer help Company pays 100% 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) -
Emergency medical evacuation help Up to the maximum limit. Not subject to deductible Emergency reunion help $100k maximum limit. Not subject to deductible 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 Return of minor children help $100k maximum limit. Not subject to deductible Political evacuation and repatriation help $100k maximum limit. Not subject to deductible Natural disaster evacuation help $25k maximum limit. Not subject to deductible (Must be approved in advance by the company) -
Natural disaster help $250 per day and maximum limit of five days for accommodations. Not subject to deductible. Return travel help $10k 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) Identity theft help $500 maximum limit. Not subject to deductible Terrorism help $50k maximum limit. Not subject to deductible Lost luggage help $50 per item, $500 maximum limit. 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 $25k maximum limit for emergency medical evacuation Extended care facilityhelp Up to the maximum limit Pet returnhelp $1K maximum limit. Not subject to deductible Durable medical equipmenthelp Up to the maximum limit Extended care facilityhelp Up to the maximum limit Personal liability help $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 Telehealth Optional add-on available
Patriot America Plus 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.
1. Patriot America Plus Insurance Adventure Sports Rider
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 | $50k certificate period |
| 50-59 years | $30k certificate period |
| 60-64 years | $15k certificate period |
2. Chaperone/Faculty Leader Replacement Rider
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)
3. Enhanced Accidental Death & Dismemberment Rider AD&D Rider
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 picture_as_pdf
4. Mobile Device Protection
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.
5. Trip Cancellation, Interruption and Travel Delay Rider
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.
6. Teladoc Rider
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. |
Contact our customer service team, we are here to help you!
Patriot America Plus Insurance cost per month for Seniors
The cost of Patriot America Plus insurance for seniors is dependent on a few factors namely the age of the traveler, the plan maximum and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers up to age of 64 years can choose maximum limits of $50k, $100k, $500k, $1M. Travelers aged 65 to 79 years can choose $50k or $100k coverage. For travelers above 80 years only $10,000 maximum coverage is available.
For Example here we are showing Patriot America Plus travel insurance cost for seniors per month with deductible of $100.
| Age of traveler | Maximum of $10K | Maximum of $50K | Maximum of $100K | Maximum of $500K | Maximum of $1M |
|---|---|---|---|---|---|
| 60 - 64 years | Not Available | $160 | $209 | $311 | $325 |
| 65 - 69 years | Not Available | $183 | $234 | Not Available | Not Available |
| 70 - 79 years | Not Available | $273 | Not Available | Not Available | Not Available |
| 80 - 99 years | $732.26 | Not Available | Not Available | Not Available | Not Available |
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.
The cost of Patriot America Plus visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveler. To get a quote Click here.
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 get the quotes and make an instant purchase of Patriot America Plus travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
Patriot America Plus insurance provides coverage in USA.
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, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
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.
- For insured travelers till the age of 70, the coverage is up to the policy maximum. For emergency medical evacuation, the limit is $25K.
- Any treatment must be within 24 hours of the reoccurrence of the pre-existing condition.
- The insured must not be traveling against medical recommendation, or for the purpose of treatment for the pre-existing condition.
- The pre-existing condition must be stable for at least 30 days before the effective insurance start date.
You can find more information about Patriot America Plus pre-existing condition coverage on American Visitor Insurance.
Yes, you will be covered by Patriot America Plus plan if you are traveling to multiple countries, as long as your travel includes the USA and you meet the eligibility criteria for the plan. The Patriot America Plus provides coverage for non-U.S. residents visiting the USA, as well as for U.S. citizens living abroad and traveling to the USA for a short trip.
There is no waiting period of travel medical insurance coverage in the Patriot America Plus insurance by IMG. The earliest you can start a policy is the following day after you apply on American Visitor Insurance. The plan will cover you for any new sickness or illness that starts after the policy has started, subject to the terms and conditions of the insurance. However, please note that the plan will not cover pre-existing conditions, unless it is an acute onset of a pre-existing conditions and meets the clearly defined criteria.
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 Claims Information
Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »
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Patriot America Plus Insurance FAQ
Frequently asked questions and answer about travel insurance plans.
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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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