IMG

Patriot America Plus Travel Insurance

Quotes for Patriot America Plus insurance

IMG travel insurance coverage for Coronavirus (Covid 19)

For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.

I have a short-term IMG travel medical insurance plan and I have departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.

I have purchased a short-term IMG travel medical insurance plan and I have not departed my Home Country/Country of Residence – am I covered if I contract COVID-19?

There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

I have not purchased a short-term IMG travel medical insurance plan, but I am thinking about purchasing – will I be covered for COVID-19?

There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.

Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.

Patriot America Insurance

Patriot America Plus

Insurance provider
International Medical Group
Plan life
5 days to 364 days.
Patriot America Plus Insurance can be renewed online 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
Patriot America Plus insurance rating
“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot America Plus Pre-existing Conditions Insurance

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.
  • Brochures
  • Detailed benefits
  • Plan benefits
  • Group insurance
  • Advantages
  • Comprehensive
  • Reviews
  • Claims
  • Renewal
  • Provider network
  • Compare plans

International Medical Group Patriot America Plus visitors insurance

What is the eligibility to buy Patriot America Plus 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 insurance underwriter

Optional-coveragePatriot 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.
  • What is Adventure Sports rider from Patriot America Plus visitor insurance ?
  • What is Patriot America Plus travel insurance Chaperone Replacement Rider ?
  • What is Enhanced AD & D Rider offered by Patriot America Plus travel health insurance?
  • What is Evacuation Plus Rider by Patriot America Plus medical insurance?
Patriot America Plus insurance 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.
optional-coverage 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.
AVI customer service

NEED HELP? Contact Us
We are here to help you!

 +1-(877)-340-7910

Plan benefits of Patriot America Plus insurance

Benefits Coverage
Hospital room and board Average semi-private room rate, including nursing services
Intensive care unit Up to the overall 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
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 $10,000 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.

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.

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.

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

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 $5,000, 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.

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.

Patriot America Plus Policy can be cancelled by submitting a written request to cancel@imglobal.com. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:

  • Full refund of premium.
Cancellation after effective date:
  • $50 cancellation fee will be charged by the insurance company.
  • Only full month premium will be considered for refund.

This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries. We can get you an ideal tourist medical insurance in USA. We offer Patriot America insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.

Compare IMG Patriot America Plus vs Patriot America travel insurance:
C Comprehensive Plans

International Medical Group, IMG travel insurance Links

Welcome to American Visitor Insurance  - Online Chat
Name is required
Email is required Email is invalid
Contact is required