IMG

Patriot America Plus Insurance vs Patriot Platinum Insurance vs Patriot GoTravel

Compare travel insurance benefits offered by Patriot America Plus Insurance, Patriot Platinum Insurance and Patriot GoTravel Insurance plans. All three 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.


Compare Travel Plans from International Medical Group

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Pre - existing
Patriot Go Travel
Plan Maximum
Deductible
Patriot Platinum
Plan Maximum
Deductible
brochure  Brochure & Details links
» Patriot America Insurance Brochure
» Patriot America Insurance Details
» Patriot America Insurance Reviews
» Patriot GoTravel Insurance Brochure
» Patriot GoTravel Insurance Details
» Patriot GoTravel Insurance Reviews
» Patriot Platinum Insurance Brochure
» Patriot Platinum Insurance Details
» Patriot Platinum Insurance Reviews
file  Underwriter
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot GoTravel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Best Rating  Rating
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot GoTravel Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
Pre-existing  Coverage for Acute-onset of pre-existing conditions
Patriot America: Not Covered
Patriot International
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
Patriot America Plus
  • Covers up to maximum limit, under the age of 70 years.
  • Up to $25,000 maximum limit for medical evacuation.
For U.S. citizens
Sudden and Unexpected Recurrence of a Pre-existing Condition:
  • Up to age 65 with primary health plan - Usual Reasonable and Customary up to plan maximum.
  • Up to age 65 without primary health plan - $20,000 lifetime maximum.
  • Age 65+ with or without primary health plan - $2,500 lifetime maximum.
For Non U.S. citizens
Sudden and Unexpected Recurrence of a Pre-existing Condition:
  • Up to $50,000 lifetime Maximum for age 65 and under.
  • Up to $2,500 for age 65+.
For U.S. citizens
Sudden and Unexpected Recurrence of a Pre-existing Condition:
  • Up to age 65 with primary health plan - Usual Reasonable and Customary up to plan maximum.
  • Up to age 65 without primary health plan - $20,000 lifetime maximum.
  • Age 65+ with or without primary health plan - $2,500 lifetime maximum.
For Non U.S. citizens
Sudden and Unexpected Recurrence of a Pre-existing Condition:
  • Up to $50,000 lifetime maximum for age 65 and under.
  • Up to $2,500 for age 65+.
coinsurance  Coinsurance - for treatment received inside the U.S. & Canada:
In the PPO Network
The plan pays 100%

Out of the PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit
In the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Policy Maximum

Out of the PPO Network
The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Policy Maximum
In the PPO Network
IMG pays 100%

Out of the PPO Network
The plan pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limits
Hospital  Hospital Room and Board
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
Up to the Maximum Limit for average semi-private room rate Average semi-private room rate up to the maximum limit. Includes nursing service
Dental  Dental Treatment
$300 maximum limit due to accident or unexpected pain to sound natural teeth. No Coverage $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Emergency  Emergency Medical Evacuation
$1million No Coverage Up to the Maximum Limit
  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 No Coverage Up to $100,000 for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial
Terrorism  Terrorism
Up to $50,000 maximum Limit Up to $50,000 lifetime maximum Up to the maximum limit
Accidental  Accidental Death and Dismemberment
$50,000 principal sum. Not subject to deductible. $25,000 principal sum $50,000 principal sum.
Additional  Additional Benefits
  • Lost Luggage: Up to $50 per item of personal property; maximum of $500 per Period of Coverage
  • Urgent Care Center: Up to $25 copay. Copay not applicable when $0 deductible is selected
  • Walk-in Clinic: Up to $15 copay. Copay not applicable when $0 deductible is selected
  • Hospital indemnity: Up to $250 per overnight up to a maximum of 10 overnights
  • Hospital Daily Indemnity: $100 per night, maximum 10 days
  • Natural Disaster: $100 per day for 5 days
  • Identity Theft Assitance: Up to $500 per Period of Coverage
  • Trip Interruption: Up to $5,000
  • Supplemental Accident: Up to $300
  • Small Pet Common Air Carrier Accidental Death: Up to $500
  • Remote Transportation: $5,000 per certificate period, $20,000 lifetime maximum
  • Lost / Stolen (Luggage, valuables, personal papers): Up to $500
Optional  Optional Riders
Adventure Sports Rider
Enhanced AD&D Rider
Chaperone Replacement Rider
Evacuation Plus Rider
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus rider
Chaperone/Faculty Leader Replacement Rider
unique  Unique Advantages
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
Patriot Go Travel Insurance Advantages:
  • It is a comprehensive plan.
  • Universal RX pharmacy discount savings for Patriot GoTravel plan holders.
  • Good PPO network.
Patriot Platinum Insurance Advantages:
  • 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.

Compare Patriot America vs Patriot Platinum vs Patriot GoTravel

Your home country’s domestic health insurance has limited coverage outside international borders, an emergency in a foreign country especially USA where health care treatment and other security expenses is drastically high leading to expensive expenses can be a nightmare. Buying a good visitors insurance can save you from these shocking financial crisis while you are in a foreign country. There are many insurance providers offers excellent visitors medical insurance for tourists ad international travelers to USA. It is advisable to compare among them and buy the plan as per your needs. International Medical Group offers Patriot Travel Insurance which is quite popular among International tourists to USA. Patriot Travel Insurance have AM Best Rating of A++ (Superior). They are the best US visitors health insurance. Patriot America Plus Insurance offers coverage for acute onset of pre-existing conditions up to 69 years. Patriot Platinum Insurance offers high end medical insurance coverage up to $8 million and can be renewed up to 3 years. Patriot Gotravel Insurance doesn’t offer coverage for emergency medical evacuation and repatriation and can be renewed up to 2 years.

What are factors to consider while comparing Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
  • Compare visitor medical insurance maximum coverage between Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America insurance offers maximum coverage up to 1 million, Patriot Platinum insurance offers coverage up to 8 million and Patriot GoTravel insurance offers coverage up to 2 million.
  • Compare visitors health insurance deductible options between Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
    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 insurance and Patriot GoTravel Insurance has deductible options from $0 up to $2,500 while Patriot Platinum Insurance has a range of deductible option from $0 up to $25,000.
  • Compare travel medical insurance provider network for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
    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.
  • Compare travel insurance coinsurance options for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network, Patriot Platinum insurance pays no coinsurance within provider network and out of the provider network which is the plan pays 90% up to $5,000, then 100% and Patriot GoTravel insurance pays 90% of eligible expenses up to $5,000, then 100% up to the Maximum Limit within provider network and out of the provider network which is the plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Contrast the travel health Insurance renewability options for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance and Patriot GoTravel Insurance can be renewed up to 2 years while Patriot Platinum insurance can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Patriot America vs Patriot Platinum vs Patriot GoTravel Insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America Plus vs Patriot Platinum vs Patriot GoTravel Insurance:
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions, Patriot Platinum insurance offers coverage under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation and Patriot GoTravel insurance offers Sudden and Unexpected Recurrence of a Pre-existing Condition upto age 65 life time maximum is $50,000 and for the age 65+ life time maximum is $2,500.
Compare  Compare other popular short term visitors medical insurance plans
  Patriot International vs Patriot Platinum      Patriot International vs Patriot GoTravel      Patriot Platinum vs Patriot GoTravel

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