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Patriot America Plus vs Patriot Platinum Travel Insurance

Compare travel insurance benefits offered by Patriot America Plus and Patriot Platinum travel medical insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

IMG Patriot visitor insurance cost comparison

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Patriot America Plus vs Patriot Platinum
Patriot America Plus
Plan Maximum
Deductible
Pre-existing
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Patriot Platinum
Plan Maximum
Deductible
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 Patriot America Plus vs Patriot Platinum insurance benefits
Length of Coverage 5 days to 365 days 5 days to 365 days
Coinsurance In the PPO Network
The plan pays 100%.

Out of the PPO Network
The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit		 In the PPO Network
IMG pays 100%

Out of the PPO Network
The plan pays 90% of eligible expenses up to $5K, then 100% up to the Maximum Limit
Renewability Yes :Upto 12 months Yes : Upto 12 months
  Medical Benefits
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service Average semi-private room rate up to the maximum limit. Includes nursing service
Eligible medical expenses Company pays 100% after deductible is met Up to the maximum limit
Surgery Up to the maximum limit Up to the maximum limit
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
 Out-Patient Medical Benefits
Physician visits Up to the maximum limit Up to the maximum limit
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy Up to the maximum limit (Medical order or treatment plan required) Up to the maximum limit (Medical order or treatment plan required)
 Emergency Services
Emergency local ambulance Up to the maximum limit 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		 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
 Dental
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth $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% Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
 Evacuation
Emergency medical evacuation Up to the maximum limit. Not subject to deductible Up to the Maximum Limit
Emergency reunion $100K maximum limit. Not subject to deductible $100K 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 $5K maximum limit for cremation or local burial at the place of death. Not subject to deductible 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
Return of minor children $100K maximum limit. Not subject to deductible $100K maximum limit. Not subject to deductible
Political evacuation and repatriation $100K maximum limit. Not subject to deductible $100K maximum limit. Not subject to deductible
Natural disaster evacuation $25K maximum limit. Not subject to deductible (Must be approved in advance by the company) $25K maximum limit. Not subject to deductible (Must be approved in advance by the company)
Natural disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible. $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Trip interruption $10K maximum limit. Not subject to deductible $10K maximum limit. Not subject to deductible
Terrorism $50K maximum limit. Not subject to deductible $50K maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. Not subject to deductible $50 per item, $500 maximum limit. Not subject to deductible
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
Patriot America Plus: Not Covered
Under 70 years of age,with varying limits by age up to $1M. $25K maximum limit for medical evacuation.
Under 70 years of age,with varying limits by age up to $1M. $25K maximum limit for medical evacuation.
 Life
AD&D $50K principal sum. Not subject to deductible. $50K principal sum.
Common carrier AD&D $25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductible $25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductible
 Other Benefits
Unique Advantages
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Plus Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
  • Patriot America Plus: Available for green card holders as long as their primary residence is outside the US.
  • It is a comprehensive coverage plan.
  • Coverage up to $8 million.Wide range of deductibles to choose from.
  • US expats looking to visit the US can buy Patriot Platinum travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Universal RX pharmacy discount savings when pharmacy purchased with the participating pharmacies.
 Travel Insurance
Underwriter Sirius International Insurance Corporation Sirius International Insurance Corporation
Rating "A" (Excellent) "A" (Excellent)
Brochure and Details

Patriot America Plus vs Patriot Platinum Insurance Reviews

Travelling to the US can be a great experience but an unfortunate emergency like sudden illness or accidental injuries can ruin your holiday or trip. The health care cost for visitors to US is very high and the situation can be traumatic if the tourist is without US visitor medical insurance. There are many visitors medical insurance offered by top insurance providers and it is a big task to choose the best international travel insurance for USA. Visitor can compare US visitor insurance cost different travel insurance plan and select the one satisfying their requirements.

patriot plus vs patriot platinum insurance

Patriot Travel insurance are quite popular among international visitors to the US. They are offered by International Medical Group and have the AM Best Rating of A++ (Superior). Patriot America Plus Insurance offers plan maximum up to $2 million and is renewable upto 2 years. Patriot Platinum Insurance is ideal for high end travelers offering coverage from $2 million up to $8 million. Patriot Platinum is renewable up to 3 years.

Factors for comparing IMG plans

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Plus insurance and Patriot Platinum insurance:

01. Compare medical maximum coverage

This the maximum coverage that the plan would offer for the medical expenses. Patriot America Plus insurance offers maximum coverage up to 1 million and Patriot Platinum insurance offers coverage up to 8 million. The coverage may vary for older travelers with reduced plan maximum.

02. Compare deductible options

This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot America Plus insurance has deductible options from $0 up to $2.5K and Patriot Platinum Insurance has a range of deductible option from $0 up to $25K.

03. Compare provider network

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

04. Compare coinsurance options

Patriot America Plus Visitor Insurance
  • In Network: The plan pays 100%
  • Out Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit
Patriot Platinum Visitor Insurance
  • In PPO network: The plan pays 100%
  • Out PPO network: The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit.

05. Contrast the renewability options

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Plus Insurance can be renewed up to 2 years while Patriot Platinum insurance can be renewed up to a total of 364 days.

06. Compare eligibility options

Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Plus has time restrictions that it has to be bought within 30 days of arrival in the US.

07. Pre-existing conditions coverage

Patriot America Plus pre-existing condition travel insurance
  • Covers up to 70 years
Patriot Platinum pre-existing condition travel insurance
  • Covers up to 70 years

Pre-existing conditions coverage comparision

Pre-Existing FAQ's Patriot America Plus Patriot Platinum
What is a Pre-Existing Condition definition?

Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age.

Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age.
What types of pre-conditions are covered?
  1. Acute Onset of Pre-Existing Condition
  2. Sudden and unexpected outbreak or recurrence
  1. Acute Onset of Pre-Existing Condition
  2. Sudden and unexpected outbreak or recurrence
Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions? 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage
Do you need a medical report of the person with the pre-existing condition? No No
Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? This plan does not provide a separate document This plan does not provide a separate document
What is pre-certification? There is no pre-certification. You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan.
What is the maximum age for eligibility? Covered up to age 70 Covered up to age 70
  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • Eligible for Green card holders
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Patriot America Plus
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • Yes
  • $0 to $2.5K
  • "A" Excellent
  • Yes
  • Sirius
  • IMG
  • Buy Now
  • Patriot Platinum
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • Yes
  • $0 to $25K
  • "A" Excellent
  • Yes
  • Sirius
  • IMG
  • Buy Now

Key Highlights

Patriot America Plus vs Patriot Platinum Travel Insurance - FAQs

  • Patriot Travel Insurance - FAQ's

    What are the benefits of Patriot International Lite insurance?

    Patriot International Lite Health Insurance provides coverage for travelers outside their residence country whose destination excludes the US and its territories.

    Patriot International Lite insurance provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan can be renewable up to 2 years.

    What is the coverage area of Patriot International Lite insurance?

    Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.

    What is Patriot America Plus insurance?

    Patriot America Plus is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days.

    Can I buy Patriot America Plus insurance after my arrival in the US?

    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.

    Does Patriot America Plus Insurance cover pre-existing conditions?

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

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

    Travelers can review this article on how to use Patriot America Plus 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 Plus insurance?

    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.

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

    Patriot America Lite 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 Lite 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 Lite 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 Lite insurance working example

    Can US citizens buy Patriot America Lite insurance?

    Patriot America Lite Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Lite 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 Lite visitor medical insurance in case of emergency in USA?

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

    What are the benefits of Patriot America Plus insurance?

    Patriot America Plus is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.

    Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.

    What is the coverage area of Patriot America Lite insurance?

    Patriot America Lite insurance provides coverage worldwide except in your country of citizenship.

    What are the requirements for purchasing Patriot America Lite insurance?

    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.

  • Patriot Platinum Travel Insurance - FAQ's

    What is acute onset of pre-existing condition?

    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.

    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.

    What are the benefits of Patriot Platinum insurance?

    Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.

    How much does Patriot Platinum cost?

    The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.

    How do I purchase Patriot Platinum insurance?

    You can get the quotes and make an instant purchase of Patriot Platinum travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

    What is the coverage area of Patriot Platinum insurance?

    Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.

    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 Cliams Information


Download Patriot Travel Insurance claims form



Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Cliams »

 Patriot Travel Insurance Restrictions

Patriot travel insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

Patriot Travel medical insurance - Blogs and articles

IMG Patriot America Plus Insurance

Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. This plan also offers coverage for acute onset of pre-existing conditions up to 70 years.

Read more »

IMG Patriot Platinum Insurance

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage individuals up to $8 million. Patriot Platinum International offers coverage for US citizens traveling outside US.

Read more »

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