IMG

Patriot America Insurance, Patriot America travel Insurance

Patriot America insurance cost

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

Patriot America Links

  • Brochures
  • Benefits
  • Advantages
  • Disadvantages
  • Reviews
  • Comprehensive coverage
  • Claims
  • Renewal
  • Provider network
  • Application

Patriot America travel Insurance - Key Highlights

  • Plan is available for both US citizens and Non US citizens living abroad visiting the US
  • This is a comprehensive visitor insurance plan for visitors coming to the US and is available for B1 Visa holders for their business trips to the US
  • This plan can be renewed for up to 2 years.
  • Patriot America offers coverage for adventure sports and other sports activities.
  • Plan co insurance factor: This plan pays 100% after the deductible for a claim expense, when the treatment is received within the PPO and for treatment received outside the PPO, the plan pays 80% of eligible expenses up to $5000 and then 100% up to the maximum limit.

Patriot America Visitor Insurance, IMG Patriot America 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.

International Medical Group Patriot America visitor health insurance summary

EligibiltyEligibility to buy Patriot America insurance
  • 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
RenewalPatriot America Visitor insurance renewal
  • Patriot America visitor 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.
Expenses incured by customer after deductibleCoinsurance of IMG Patriot America Insurance
  • 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 Travel insurance optional ridersPatriot America Travel 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?
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Patriot America insurance covid19 coverage for Coronavirus

Patriot America insurance does not cover covid19, however IMG offers Patriot America covid19 travel insurance with Patriot America Plus and Patriot Platinum travel insurance.

Plan benefits of Patriot America insurance

In-Patient Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services
Surgery Up to the maximum limit
Intensive care unit Up to the overall maximum limit.
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
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)
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
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing 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
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
Interfacility Ambulance Transfer Company pays 100%
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
Trip interruption $10,000 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
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation $100,000 maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. Not subject to deductible
Natural disaster $25,000 maximum limit. 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
Reconstructive Surgery Up to the maximum limit
Extended Care Facility Up to the maximum limit
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
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
Terrorism Up to $50,000 maximum limit. Not subject to deductible

Patriot America Travel Insurance - Common Questions

Is IMG travel insurance legit? Is IMG a real insurance company?

International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.

Does Patriot America insurance cover Covid ? Does Patriot America insurance cover Coronavirus ?

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.

Does Patriot America Insurance cover pre-existing conditions?

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.

How does Patriot America insurance provider offer coverage for medical expenses?

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.

Can US citizens buy Patriot America insurance?

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.

How can one use Patriot America visitor medical insurance in case of emergency in USA?

Travelers can review this article on how to use Patriot America visitor medical insurance in case of emergency in USA.

I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America insurance?

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.

How do I cancel Patriot America Insurance?

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.

Which is the best visitor insurance in USA?

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.

Does IMG travel insurance cover Covid?

Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

Does IMG sell Cancel for Any Reason Insurance?

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

What does IMG insurance stand for?

International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.

Is IMG a good travel insurance company?

International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

Patriot Travel Insurance

Patriot America insurance - Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
Find Provider Network
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