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 Plus 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 Plus Insurance is offered by Seven Corners with AM Best Rating: "A" (Excellent) rating and has been offering excellent international health insurance since 27 years.
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 Plus insurance offers coverage up to 5 million. The coverage may vary for older travelers with reduced plan maximum.
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 Plus Insurance have a range of deductible option from $0 up to $5k.
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.
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 Plus Insurance can be renewed up to a total of 364 days.
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.
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 Plus Insurance offers coverage up to the age of 79 years for acute onset of pre-existing conditions.
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.
Patriot International Lite provides people outside their home country whose destination excludes the United States or its territories.
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.
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.
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.
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 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
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.
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.
Travelers can review this article on how to use Patriot America Lite visitor medical insurance in case of emergency in USA.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
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.
International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.
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.
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.
Individuals and families including unmarried dependent children traveling outside of their Home Country.
Compare Seven Corners Travel Medical insurance for specific benefit limits for different covered medical expenses.
We also offer IMG Patriot America Plus international travel insurance plans and can compare and buy online.
Compare quotes online for best travel insurance online, Fixed vs compCompare quotes online for best travel insurance online, Comparison of Travel Medical insurance and buy the best US travel insurance.
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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.Read more »
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.