Patriot America Lite vs Patriot America Plus Reviews
International tourists visiting USA must be aware of the rising health care cost for visitors to USA. Hospitalization with huge medical bills can be a nightmare without visitors health insurance. Many insurance providers offer different visitors insurance for tourists to the US. It is important to compare the popular visitor insurance before buying adequate travel medical insurance for USA. Here the visitor can compare US visitor insurance cost of Patriot America Plus insurance and Safe Travels USA Comprehensive insurance plans by reviewing their unique Visitors medical insurance benefits.
International Medical Group offers, Patriot America Plus and Patriot America Lite Insurance which is quite popular among International tourists to USA. Patriot America Plus and Patriot America Lite Insurance ratings by AM Best Rating is A++ (Superior).
Factors for comparing Patriot America Lite vs Patriot America Plus insurance
Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Patriot America Lite vs Patriot America Plus Insurance visitors travel insurance:
01. Compare medical maximum coverage
This the maximum coverage expense that the plan would offer for the medical expenses. Patriot America Lite and Patriot America Plus offers maximum coverage up to 1 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. All of these plans offer a set of deductible options for the travelers to choose from Patriot America Plus and Patriot America Lite insurance have a range of deductible option from $0 up to $2.5K.
03. Compare provider network
This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses . 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 Lite 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.
- 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 Lite insurance can be extended for a minimum of 5 days to 364 days. Patriot America plus can be renewed for upto to 24 months.
06. Compare eligibility options
All these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Lite People travelling outside their home country whose destination includes the US and its territories. Patriot America Plus as US citizens living outside USA who want to visit US.
07. Pre-existing conditions coverage
Patriot America Lite Pre-existing conditions Travel Insurance- Does not cover Pre-existing conditions
- Covers up to 70 years
- 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 Lite
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- Yes
- $0 to $2.5k
- "A" (Excellent)
- Yes
- Sirius International Insurance
- IMG
- 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
Key Highlights
Patriot America Lite vs Patriot America Plus Insurance - FAQs
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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.
Can I buy Patriot America Lite insurance after my arrival in the US?Yes Patriot America Lite 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 Lite insurance within a 6 month time period after arriving in the US.
Does Patriot America Lite 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.
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 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 Lite insurance?Yes Patriot America Lite 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 Lite insurance online.
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. -
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.
Can I buy Patriot America Plus insurance after my arrival in the US?Yes, the Patriot America Lite 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 $5K, 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 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.
Patriot Travel Insurance Cliams Information
Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Cliams »
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Patriot America Lite
Patriot America Lite 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).
Read more »Patriot America Plus
Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. Patriot America Plus US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.
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