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Patriot America Insurance vs Patriot America Plus Insurance

Compare travel insurance benefits offered by Patriot America and Patriot America Plus insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel. Compare price and benefits to find the best US travel medical insurance plan for your needs.


Compare Patriot America and Patriot America Plus plans

Age
Spouse
Start Date
End Date
Coverage Region
Citizenship
Patriot America Plus
Plan Maximum
Deductible
Patriot America
Plan Maximum
Deductible
Brochure & Details links
Coronavirus Coverage
Patriot America Plus Insurance Coveres up to policy maximum (contracted and treatment is provided after the policy effective date). Not Available
Underwriter
Patriot America Plus Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Patriot America Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating
Patriot America Plus Insurance Rating
“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Patriot America Insurance Rating
AM Best Rating: "A" (Excellent)
Eligibility
Patriot America Plus:
  • 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 America Insurance:
People travelling outside their home country whose destination includes the US and its territories.
Coinsurance
Coverage in US
In PPO- The plan pays 100%.
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100%
Coverage in US
In PPO-The plan pays 100%.
Outside PPO- Plan will pay 80% of eligible expenses up to $5,000, then 100%
Pre-existing Conditions Coverage
Valid for travelers up to 70 years.
Limited benefit up to the medical coverage maximum. $25,000 lifetime maximum for emergency medical evacuation.
No coverage for pre-existing conditions coverage
Renewability
Yes up to 2 years if initial purchase is 1 month Yes up to 2 years if initial purchase is 1 month
Length of Coverage
Plan can be purchased for a minimum of 5 days up to a maximum of 2 years Plan can be purchased for a minimum of 5 days up to a maximum of 2 years
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 America Plus: Available for green card holders as long as their primary residence is outside the US.
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.
US Network of hospitals and doctors
US PPO Network US PPO Network

Compare Patriot America Insurance and Patriot America Plus Insurance

Travelling outside your home country involves high risks and uncertainties. A sudden mishap like sickness or accidental injuries which results in hospitalization can lead to a big financial loss. Majority of the travelers are senior citizens and parents visiting their children working or living in a foreign country. In destinations like the US where the health care is sophisticated and extremely high especially for older travelers. The travelers to the US must buy good and adequate Visitor medical insurance which would cover most of the expenses. Some of the senior citizen travelers would look for visitors insurance with pre-existing conditions coverage. International Medical Group offers Patriot America Plus and Patriot America Insurance which is quite popular among International tourists to USA. Patriot America Plus and Patriot America Insurance ratings by AM Best Rating is A++ (Superior). These are the two best visitors insurance for USA. Patriot America Plus Insurance offers coverage for acute onset of pre-existing conditions up to 69 years while Patriot America Insurance doesn’t offer coverage for pre-existing medical ailments.

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What are the factors to consider while comparing Patriot America Insurance and Patriot America Plus Insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Insurance and Patriot America Plus Insurance:
  • Compare visitor medical insurance maximum coverage between Patriot America Insurance and Patriot America Plus Insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America Insurance offers maximum coverage up to 1 million while Patriot America Plus Insurance also offers maximum coverage up to 1 million. Patriot America offers $10,000 maximum for older travelers above 80 years while Patriot America Plus $10,000 maximum for older travelers above 80 years.
  • Compare visitors health insurance deductible options between Patriot America Insurance and Patriot America Plus 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 America Plus Insurance both offer a set of deductible options for the travelers to choose from. Patriot America Insurance and Patriot America Plus Insurance have a range of deductible option from $0 up to $2,500.
  • Compare travel medical insurance provider network for Patriot America Insurance and Patriot America Plus 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 Insurance and Patriot America Plus 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.While 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
  • Contrast the travel health Insurance renewability options for Patriot America Insurance and Patriot America Plus 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 America Plus Insurance both can be renewed up to a total of maximum of 2 years.
  • Compare eligibility options of US visitors travel insurance for Patriot America Insurance and Patriot America Plus Insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Insurance and Patriot America Plus Insurance have a 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 Insurance and Patriot America Plus Insurance:
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.While Patriot America Insurance has no coverage for acute onset of pre-existing condition.

Atlas America vs Patriot America Plus Insurance - FAQs

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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.

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.

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.

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

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.

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.

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

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.

Patriot America Plus 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.

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.

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