Patriot America Plus Insurance, Patriot America Plus travel Insurance

Patriot America Plus Insurance Cost

Patriot America plus covid travel insurance coverage for Coronavirus, IMG covid insurance Travel insurance for Coronavirus Covid

The Patriot America Plus covid insurance includes COVID 19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020. Customers who would like to renew or extend their existing plans set to expire on or after September 1st 2020 and wish to receive the new Covid coverage benefits should let their existing plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional benefits listed above.
Patriot America Insurance
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
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Patriot America plus insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot America Plus Links

  • Brochures
  • Detailed benefits
  • Plan benefits
  • Group insurance
  • Advantages
  • Comprehensive coverage
  • Reviews
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Patriot America Plus travel Insurance - Key Highlights

  • This is a comprehensive plan from IMG and is is similar to the Patriot America with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
  • 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 and Non US citizens living abroad can buy this plan for visiting the US for short while.
  • Plan is renewable for up to 2 years.
  • Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US.

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.

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.
  • 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.
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-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?
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optional-coveragePatriot 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 Patriot America Plus insurance

Benefits Coverage
COVID-19/SARS-CoV-2 Coverage Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
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.

Patriot America Plus Travel 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.

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.

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.

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.

Patriot America Plus Policy can be cancelled by submitting a written request to 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
Patriot Platinum plan with Covid coverage in the US
I have a Patriot platinum travel insurance policy for my trip back to the USA on 11/26. It was purchased on 10/23/20. I have read conflicting info re whether Covid 19 is covered- one document sent to me said if USA is in alert level 4, it is not covered but then your website says that it is. I want to be sure about the coverage before I go to the USA.

Thank you,
Cara Hafner

questionDear Cara,
Thank you for contacting us at American Visitor Insurance with your inquiry!

The Patriot Platinum America insurance covers Covid 19 in the US for the people visiting the US. For coverage outside of the US, the plan does not cover the Covid testing and related treatment. The request for testing should be from a doctor or medical practitioner to get the coverage.It will not be covered if it is requested by any country/airline.

For all details on the policy please use below links. Let us know if we can help you any further.
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+1 (877) 340 7910

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