Patriot America Plus Insurance vs Travel Medical Insurance

Compare visitors insurance benefits offered by Patriot America Plus Insurance for Visitors to USA and Travel Medical Choice Insurance. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

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IMG vs Seven Corners visitor insuranc cost comparison

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Patriot Travel
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Travel Medical
Patriot America Plus
Plan Maximum
Deductible
Covid19/Pre-existing
Travel Medical Choice
Plan Maximum
Deductible
Covers Covid19 illness
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Insurance Providers
Medical Maximum Options Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k
Ages 80+: $10,000
Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k
Ages 80+: $10k
Worldwide including US
Age 14 days to 69: $50k, $100k, $500k, $1M
Ages 70-79: $50k, $100k
80 years and older: $10k

Worldwide excluding US
Age 14 days to 64: $50k, $100k, $500k, $1M, $2M, $5M
Ages 65-79: $50M, $100K
80 years and older: $10k
Deductible Options $0, $100, $250, $500, $1k or $2.5k Worldwide including US
$0; $100; $250: $500; $1k, $5k

Worldwide excluding US
Ages 14 days to 64 years: $0; $100; $250: $500; $1k; $5k
Ages 65 to 79 years: $0; $250; $500; $1k; $5k
80 years and older: $0; $500; $1k; $5k
Coinsurance
In PPO - Plan pays 100%
Outside PPO - Plan will pay 80% of eligible expenses up to $5k, then 100%
Coverage outside US: Plan pays 100%
Coverage in USA
In PPO - The plan pays 100%.
Outside PPO - The plan pays 90% of the first $5k, then 100% to the medical maximum.
Length of Coverage Minimum : 5 days
Maximum : 2 years
Minimum: 5 days
Maximum: 364 days
Renewability Yes : Up to 2 years if initial purchase is 1 month Yes. If you initially buy less than 364 days of coverage, you may buy additional time, to a total of 364 days. Your original effective date is used to calculate your deductible and coinsurance and to determine pre-existing conditions. $5 administrative fee is charged for each renewal.
 Medical Benefits
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service URC to medical maximum
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $150 per overnight inpatient confinement, maximum limit of 30 overnights. Not subject to deductible
Urgent Care Clinic $30 per Incident, if the $0 out of Network Deductible is chosen, there is no Co-Pay URC to medical maximum $20 copay
 Emergency Services
Emergency local ambulance Covered Inside USA:$10,000
Outside USA:URC to medical maximum
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
URC to medical maximum up to $100 copay
 Dental
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth $250 maximum limit due to accident and $100 for sudden relief of pain
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
Patriot America Lite: Not Covered
Patriot International: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.
Worldwide Including the United States: Worldwide Including the United States(Cardiac Condition and/or Stroke):
Ages 14 days to 69 years: $50,000
Ages 70 to 79 years: $5,000
Worldwide Including the United States(Other than Cardiac Condition and/or Stroke):
Ages 14 days to 69 years: $75,000
Ages 70 to 79 years: $7,500
Worldwide Excluding the United States:
Ages 14 days to 64 years: $50,000
Ages 65 to 79 years: $10,000
 Life
AD&D $50k principal sum. Primary Insured or Travel Companion $25k Principal Sum.
Eligible Dependent Children $5k Principal Sum.
Aggregate limit of $250k for total number of insureds on the plan.
Common carrier AD&D $25k per insured child, $100k per insured adult, $250k maximum limit per family. Not subject to deductible Primary Insured or Travel Companion $50k Principal Sum.
Eligible Dependent Children $10k Principal Sum.
Aggregate limit of $250k for total number of insureds on the plan.
 Evacuation
Emergency medical evacuation Up to the Maximum Limit Up to $500k
Emergency reunion $100k maximum limit. Not subject to deductible $200 per day, 10-day limit $100k maximum
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 $50k
Return of minor children $100k maximum limit. Not subject to deductible $50k maximum limit. Not subject to deductible
Political evacuation and repatriation $100k maximum limit. Not subject to deductible $10k
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
Trip interruption $10k maximum limit. Not subject to deductible $5k maximum limit. Not subject to deductible
Terrorism $50k maximum limit. Not subject to deductible $25k maximum limit. Not subject to deductible
Unique Advantages
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot travel Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
  • Comprehensive visitors insurance.
  • Travel Medical Choice also covers terrorism, emergency medical reunion, return of minor children, trip interruption and baggage loss.
  • Only one time deductible per period of coverage.
  • Cancellation and refund of full premium before policy start date.
  • With minimum $50k coverage and $0 deductible, this plan satisfies Schengen visa up to the age of 79 years.
 Travel Insurance
US Network of hospitals and doctors » US PPO Network » US PPO Network
International Network of hospitals and doctors » International PPO Network » International PPO Network
Underwriter Sirius International Insurance Corporation Crum & Forster SPC
Rating AM Best Rating: "A" (Excellent) AM Best Rating: "A" (Excellent)
Brochure and Details
Best ways to travel abroad

Travel Medical Choice vs Patriot America Plus Insurance

Visiting USA can be a great experience but an unfortunate event like sudden sickness or accident may arise. The health care cost for tourists to US is exceptionally high and the situation can be traumatic if the visitor doesn’t have US visitor medical insurance.There are many visitors insurance available online and it is a challenge to select the best travel health insurance for USA. Here the visitor can compare US visitor insurance cost of different travel insurance plans, in particular US travel health insurance plans like Travel Medical Choice insurance and Patriot America Plus insurance as they offer excellent comprehensive coverage both for small ailments as well as more serious injuries and sickness.

These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers. Patriot America Plus insurance is administered by International Medical Group (IMG) with AM Best Rating: A++ (Superior) rating. It has been offering health insurance products to customers in 130 countries. Travel Medical Choice Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 27 years.

Factors to consider while comparing IMG and Seven Corners insurance?

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

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 Travel Medical Choice insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum.

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 Travel Medical Choice Insurance have a range of deductible option from $0 up to $5k.

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.

Compare coinsurance options:

Patriot America Plus insurance
  • In PPO Network:
  • The plan pays 100%
  • Out of PPO Network:
  • The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
Travel Medical Choice Insurance
  • In PPO network:
  • The plan pays 100%
  • Out PPO network:
  • 80% of the first $5k, then 100% to the medical maximum.

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 Travel Medical Choice Insurance can be renewed up to a total of 364 days.

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 a time restrictions that it has to be bought within 30 days of arrival in the US.Travel medical choice is available for coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country.

Acute onset of Pre-existing conditions coverage:

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 Travel Medical Choice Insurance offers coverage up to the age of 79 years for acute onset of pre-existing conditions.

  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
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Patriot America Plus vs Travel Medical Choice Insurance - FAQs

  • Patriot Travel Insurance - FAQ's

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    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 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 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.


    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.


    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.


    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.

  • Travel Medical Choice Insurance - FAQ's

    seven corners logo
    Is Seven Corners a real insurance company? Is Seven Corners Legit? Is Seven Corners a good insurance company?

    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 Travel Medical 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.


    Does Travel Medical Choice plan cover COVID-19?

    Yes. See the schedule of benefits and benefit highlights in this brochure for details. Please be aware this coverage is not a general health insurance plan, but an interim, limited benefit period, travel medical program intended for use while away from your home country.


    What is the eligibility to buy Travel Medical Choice Insurance?

    Individuals and families including unmarried dependent children traveling outside of their Home Country.

Compare Travel health insurance USA

Compare Travel Medical insurance plans

Compare Seven Corners Travel Medical insurance for specific benefit limits for different covered medical expenses.

IMG Patriot America Plus travel insurance

We also offer IMG Patriot America Plus international travel insurance plans and can compare and buy online.

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Travel Medical Insurance

The Travel Medical insurance products are available for non-U.S. Residents and non-U.S. Citizens while traveling outside of Your Home Country. Travelers can get a quote among the various options they offer according to the travel requirements.

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Patriot insurance plans

Travel with one of the (IMG) Patriot travel insurance plans so that you can spend more time enjoying your international experience and less time worrying about your medical coverage.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers


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