IMG

Patriot America Travel Insurance

Quotes for Patriot America 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 Insurance

Insurance provider
International Medical Group
Plan life
5 days to 364 days.
Patriot America 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 insurance rating
AM Best Rating: "A" (Excellent)
Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Patriot America Insurance, Comprehensive US visitors medical insurance

Patriot America offers comprehensive short term medical insurance coverage to international travelers traveling outside their residence country whose destination includes the United States or its territories. It is popular among visitors to US and is offered by a top rated insurance provider with a AM best rating of “A” (excellent). Patriot America visitors insurance can be purchased from 5 days to 364 days which can be further renewed up to 2 years.US citizens living abroad and visiting USA can also buy Patriot America Insurance.
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International Medical Group Patriot America visitor health insurance summary

What is the eligibility to buy Patriot America Insurance?
Patriot America insurance eligibility
  • People travelling outside their home country whose destination includes the US and its territories.
  • 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 travel insurance for US B1 visitors offers coverage for business trips
Patriot America insurance underwriter

Optional-coveragePatriot America 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 visitor insurance ?
  • What is Patriot America travel insurance Chaperone Replacement Rider ?
  • What is Enhanced AD & D Rider offered by Patriot America travel health insurance?
  • What is Evacuation Plus Rider by Patriot America medical insurance?
Patriot America 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.

RenewalRenewability - Patriot America insurance renewal
  • Patriot America insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 24 continuous months.
  • Prior to the end of each period of coverage purchased, you will receive renewal information.
  • You have the option to renew online or you may complete a paper renewal form.
  • Each insured person must only satisfy one deductible and coinsurance within each 12 month period of coverage.
AVI customer service

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Plan benefits of Patriot America insurance

Benefits Coverage
Hospital room and board Average semi-private room rate, including nursing services
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
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
Hospital Emergency room 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 limit
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency Medical Evacuation Up to the maximum limit. Not subject to deductible
Emergency reunion $100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial Up to the 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. Not subject to deductible
Hospital Emergency Room:International Up to the maximum limit
Hospital Emergency Room:Up to the maximum limit 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.
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
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation $100,000 maximum limit. Not subject to deductible
Natural disaster $25,000 maximum limit. Not subject to deductible
Terrorism Up to $50,000 maximum limit. Not subject to deductible
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental death & dismemberment $50,000 principal sum. Not subject to deductible
Laboratory Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Reconstructive Surgery Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Chiropractic Care Up to the maximum limit
Extended Care Facility Up to the maximum limit
Interfacility Ambulance Transfer Company pays 100%
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
Bedside Visit $1,500 maximum limit. Not subject to deductible
Trip interruption $10,000 maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. Not subject to deductible
Identity Theft $500 maximum limit. Not subject to deductible
Incidental Trips to Home Country 14 consecutive days maximum limit
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

Yes Patriot America insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot America insurance within a 6 month time period after arriving in the US.

International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.

Patriot America insurance works 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”, after the deductible amount, Patriot America 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 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 insurance working example.

Patriot America Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America 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 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 insurance online.

Patriot America 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.

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