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Compare IMG Patriot travel insurance for international travel

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.



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IMG Patriot visitor insurance cost comparison

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Compare Travel Plans
Patriot Travel
versus
  Patriot Platinum 
Patriot America Plus
Plan Maximum
Deductible
Pre - existing/Covid19
Patriot International offers coverage for Covid19
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Patriot Platinum
Plan Maximum
Deductible
Patriot Platinum offers coverage for Covid19
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Covid19 coverage Not Available Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Eligibility People travelling outside their home country whose destination includes the US and its territories.
Non US citizens travelling to the USA.
US citizens living outside USA who want to visit US.
Green Card Holders in the US are eligible as long as their primary residence is outside the US.
  • Patriot Platinum International: offers coverage for US Citizens travelling outside the US with coverage for brief to USA.
  • Patriot Platinum America: offers coverage for Non US citizens travelling outside their home country.
    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.
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
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 Limit
 In-Patient 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
Bedside visit $1,500 maximum limit. Not subject to deductible $1,500 maximum limit. Not subject to deductible
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
Radiology / X-ray Up to the maximum limit Up to the maximum limit
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory Up to the maximum limit Up to the maximum limit
Physical Therapy Up to the maximum limit (Medical order or treatment plan required) Up to the maximum limit (Medical order or treatment plan required)
Assistant Surgeon 20% of the primary surgeon’s eligible fee) 20% of the primary surgeon’s eligible fee
Prescription Drugs and Medications Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days)
Reconstructive Surgery Up to the maximum limit Up to the maximum limit
 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
Interfacility ambulance transfer Company pays 100% Company pays 100%
Emergency eye examination $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
 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 $100,000 maximum limit. Not subject to deductible $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 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 $100,000 maximum limit. Not subject to deductible
Political evacuation and repatriation $100,000 maximum limit. Not subject to deductible $100,000 maximum limit. Not subject to deductible
Natural disaster evacuation $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company) $25,000 maximum limit. Not subject to deductible (Must be approved in advance by the company)
 Trip Protection
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 $10,000 maximum limit. Not subject to deductible $10,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death $500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person) $500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person)
Identity theft $500 maximum limit. Not subject to deductible $500 maximum limit. Not subject to deductible
Terrorism $50,000 maximum limit. Not subject to deductible $50,000 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 Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
Under 70 years of age,with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
 Life
AD&D $50,000 principal sum. Not subject to deductible. $50,000 principal sum.
Common carrier AD&D $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
 Other Benefits
Extended care facility Up to the maximum limit Up to the maximum limit
Pet return $1,000 maximum limit. Not subject to deductible $1,000 maximum limit. Not subject to deductible
Durable medical equipment Up to the maximum limit Up to the 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 $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
Optional Riders Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus Rider
Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus rider
Chaperone/Faculty Leader Replacement Rider
Unique Advantages
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Lite 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.
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.
 Travel Insurance
Underwriter Patriot Travel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating Patriot Travel Insurance Rating
AM Best Rating: "A" (Excellent)
Patriot Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
Brochure and Details

Compare Patriot Travel vs Patriot Platinum Insurance

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 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 Travel 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.

Comparision of Patriot America Plus and Patriot Platinum insurance

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:
  • Compare visitor medical insurance maximum coverage between Patriot America Plus insurance and Patriot Platinum insurance:
    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.
  • Compare visitors health insurance deductible options between Patriot America Plus insurance and Patriot Platinum 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 Plus insurance has deductible options from $0 up to $2,500 and Patriot Platinum Insurance has a range of deductible option from $0 up to $25,000.
  • Compare travel medical insurance provider network for Patriot America Plus insurance and Patriot Platinum 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 Plus insurance and Patriot Platinum insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Plus 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%.
  • Contrast the travel health Insurance renewability options for Patriot America Plus insurance and Patriot Platinum insurance:
    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.
  • Compare eligibility options of US visitors travel insurance for Patriot America Plus insurance and Patriot Platinum insurance:
    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.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America Plus insurance and Patriot Platinum insurance:
    Compare average cost of the USA travel insurance with covid coverage : Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while 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.
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Patriot America Plus vs Patriot Platinum Insurance - FAQs

  • 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.

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

    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 does Patriot America Plus insurance offer coverage for medical expenses?
    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.

    Can US citizens buy Patriot America Plus insurance??
    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.

    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.

    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.
  • Does Patriot America Platinum insurance cover Covid ? Does Patriot America Platinum insurance cover Coronavirus?
    Seven Corners Inc. has been offering travel insurance products since 1997. Seven Corners travel insurance is based out of Carmel, Indiana has over 200 employees and offers both domestic and international travel insurance plans . With their Liaison travel insurance and Inbound USA insurance products Seven Corners insurance provides travelers with health coverage ,safety and security for travelers away from home country and with the US. It caters to different types of travelers coming to the United States such as on B1 visa, students on F1 visa and professionals on the H1B visa. They also offer travel insurance coverage for US travelers who want trip cancellation insurance for travel insurance.

    Which plan offers comprehensive coverage with the highest medical coverage?
    Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.

    Which are the ideal plans for older travelers?

    Above 60 years:
    Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
    Patriot America Lite is available but doesn’t offer coverage for pre-existing conditions.

    Above 70 years:
    Patriot Platinum and Visitors Care coverage offers limited coverage.

    Above 80 years:
    Patriot Platinum as it offers coverage $20,000 for travelers over 80 years
    Other plans - Visitors Care offer coverage of $10,000

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special-coveragePatriot Travel Insurance Restrictions

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

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