What is Patriot America Plus insurance?
Patriot America Plus insurance offers Comprehensive benefit 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 and it covers COVID-19 like any other eligible medical condition, provided it is contracted after the policy effective date.
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 insurance. This plan offers coverage from 5 days to 364 days.
Complete your Patriot America plus insurance application form to ensure you have the coverage you need while traveling to the USA.
After buying the plan, Traveler can get all the Patriot America Plus id card and all the plan document by using Patriot America Plus insurance login. 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!
Patriot America Plus Insurance Reviews
How much is Patriot America Plus travel insurance coverage?
The policy maximum amount of coverage is the cumulative total amount of dollar amount Patriot America Plus will pay for eligible medical expenses during the coverage period. Once reached, no other benefits will be available.
- Travelers up to age of 69 years can choose maximum limits of $50K, $100K, $250K, $500K, $1M
- Travelers aged 70 to 79 years can choose $50K or $100K coverage
- For travelers above 80 years only $10K maximum coverage is available
What is the deductible for Patriot America Plus insurance?
What is a Coinsurance in Patriot America Plus insurance?
Who should buy the Patriot America plus visitors insurance plan?
- Parents visiting children or family in the US.
- First time or Short term visitors looking for reliable medical coverage.
- International tourists from India or other countries outside the US.
- Travelers with acute onset of pre-existing conditions.
- Visitors concerned about COVID-19, plan covers the same as any other illness
Why choose Patriot America Plus insurance?
- Comprehensive medical coverage for hospitalization, doctor visits, emergency care, outpatient treatment, and prescriptions.
- Short-term travel medical coverage for individuals, groups, and their dependents
- Acute on set of pre-existing conditions covered up to 70 years
- Flexible coverage from 5 days to 364 days, renewable up to 2 years
- COVID-19 coverage treated the same as any other illness
- Access to a large PPO network of doctors and hospitals like United Healthcare and First Healthcare, which helps reduce medical bills.
- Emergency medical evacuation covered up to policy maximum
- Urgent Care Clinic covered up to $25 copay
- Optional coverage for adventure sports and other sports activities
- Complete a quick and easy online purchase on American Visitor Insurance and receive instant policy confirmation
Who is eligible for Patriot America Plus insurance plan?
- Available for Non US residents traveling to USA
- 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.
- This plan is also available for Green Card holders as long as they reside outside the US.
How much does Patriot America Plus insurance cost per month?
The Patriot America Plus cost per month ranges from $47 to $790 . This is dependent on a few factors namely the age of the traveler, the plan maximum and the deductible.
The cost of Patriot America Plus insurance is higher for senior travelers as they are more likely to need healthcare while traveling. Also the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
- For individuals under 69 years old: $50,000, $100,000, $250,000, $500,000, and $1,000,000 coverage options.
- For individuals aged 70 to 79 years: $50,000 and $100,000 coverage options.
- For individuals aged 80 to 99 years: $10,000 coverage option only.
For Example here we are showing Patriot America visitor insurance cost per month with deductible of $250.
| 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 | ||||
For senior travelers aged 80 to 99, the cost is $790, with a maximum coverage of $10,000 and a deductible of $250.
A higher deductible has a lower premium, while a lower deductible has a higher premium. This is based on the deductible factors shown here.
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
What are the benefits of Patriot America Plus insurance?
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.
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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 limitPhysician 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
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
What optional riders are included in Patriot America Plus insurance?
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 travel insurance for adventure sports
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 | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 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 $3,000 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 $400,000 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. |
What is the PPO network for Patriot America Plus?
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. This insurance have two different network providers for our plans.
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.
IMG maintains when inside the U.S., the www.firsthealthinternational.com 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."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot America Plus PPO network »Patriot America Plus insurance - FAQ’s
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.
3. How to buy Patriot America Plus insurance online
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.
- 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 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 »
14. Is Patriot America Plus good insurance? Is Patriot America plus legit?
Patriot America Plus is a best comprehensive visitor insurance plan rated A- by AM best, designed for non-us citizens visiting the U.S.
- Offers coverage for acute onset of pre-existing conditions (for travelers under age 70 years)
- COVID-19 coverage as any other eligible medical condition
- Access to the UnitedHealthcare PPO network for direct billing
- Flexible options for choosing coverage duration, policy maximum and deductibles
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.
15. Can I pay for Patriot America plus visitors insurance plan on a monthly basis?
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.
16. Is Patriot America Plus good for seniors?
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.
How do I file a claim with Patriot America Plus Insurance?
To file a claim with Patriot America Plus Insurance, follow these steps:
- Download the Claims Form: Access the Patriot America Plus insurance claims form online.
- Contact Customer Support: Call the toll-free number 1-800-628-4664 for guidance or assistance.
- Complete and Submit Documents: Fill out the claims form and send it, along with any required supporting documents, to the Claims Department:
- Mailing Address: International Medical Group, P.O. Box 9162, Farmington Hills, MI 48333.
- Email Assistance: For additional help or inquiries, email customercare@imglobal.com.
What are the restrictions of Patriot America Plus Insurance?
Patriot America Plus Insurance is not offering coverage for residents of Belarus, Russia, Iran or Ukraine and travelers visiting Belarus, Russia, Iran or Ukraine.
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