Patriot America Plus Pre-existing Conditions Insurance

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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 Insurance.

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Patriot America Plus Travel insurance Advantages
US expats looking to visit the US can buy Patriot travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
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)
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International Medical Group, (IMG) Patriot America Plus review

Insurance Provider
International Medical Group

Plan Life
5 days to 364 days and later can be renewed maximum up to 2 years

Policy Maximum^?
$50,000, $100,000, $500,000, $1,000,000 per insured person

Deductible Options^?
$0, $100, $250, $500, $1,000 or $2,500 per insured person

Rating

“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s.

International Medical Group Patriot America Plus Visitors Insurance

Patriot America Plus insurance Eligibility

Non US citizens travelling to the USA.
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.

Patriot America Plus Underwriter

Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot America Plus health 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
Adventure Sports rider
Available for those up to the age of 65 years.

Activities Covered up to certificate period: Abseiling, BMX, bobsleigh, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, horseback riding, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, paragliding, parascending, piloting a non-commerical aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris. These adventure activities must be engaged in solely for leisure, recreation, or entertainment purposes.

Age 0-49 years: $50,000 certificate period

Age 50-59 years: $30,000 certificate period

Age 60-64 years: $15,000 certificate period
Chaperone Replacement Rider
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 $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
Enhanced AD & D Rider
Enhanced AD & D Rider
Available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.Up to an additional $400,000.
Evacuation Plus Rider
Evacuation Plus Rider
Available to insureds up to age 65. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also provides coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation - Up to a maximum of $25,000

Natural Disaster Evacuation - Up to a maximum of $5,000

IMG Patriot America Plus 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 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: $25,000 maximum limit.

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Plan Benefits of IMG Patriot America Plus Travel Insurance

Benefits	Coverage
Hospital room and board	Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive care	Up to the maximum limit
Surgery	Up to the maximum limit
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)
Emergency local ambulance	Up to the maximum limit
Emergency room accident	Up to the maximum limit
Emergency dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth.
Traumatic Dental Injury	Up to the period of coverage maximum limit. Subject to deductible and coinsurance. (Treatment at a hospital due to an accident)
Emergency medical evacuation	$1,000,000 maximum limit. (independent of the maximum limit)
Emergency reunion	$50,000 maximum limit.
Return of mortal remains or cremation/burial	$50,000 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.
Return of minor children	$50,000 maximum limit.
Political evacuation	$10,000 maximum limit.
Natural disaster	Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism	Up to $50,000 maximum limit.
Hospital indemnity	Up to $100 per overnight up to a maximum of 10 overnights.
Common carrier accidental death	$50,000 per insured person and $250,000 maximum limit per lifetime and per family.
Accidental death & dismemberment	$25,000 principal sum.
Hospital Emergency Room:International	Up to the maximum limit
Hospital Emergency Room:United States	Injury not subjected to emergerncy room deductible. Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
Trip interruption	$10,000 maximum limit. Not subject to deductible
Intensive Care	Up to the maximum limit
Terrorism	$50,000 maximum limit. Not subject to deductible
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
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
Physical Therapy	Up to the maximum limit
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Pet Return	$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit	$500 maximum limit. Not subject to deductible.
Interfacility Ambulance Transfer	Company pays 100%
Lost luggage	$50 per item, $500 maximum limit. Not subject to deductible
Identity Theft	$500 maximum limit. Not subject to deductible
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
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.