Policy maximum
$50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible
$50, $100, $250, $500, $1000, and $2500
Comprehensive benefit plan
Benefits for covered medical expenses go all the way up to the plan maximum
Acute onset of a pre-existing condition
Covers up to the age of 70 years.
Renewability
Plan is renewable up to a maximum of 2 years.
PPO Network
Ideal for Parents visiting USATravelers with pre-existing conditions Green Card holdersUS citizens visiting USA
This plan offers coverage from 5 days to 364 days. US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
Traveler can get all the plan document and plan id card by using Patriot America Plus insurance login. At American Visitor Insurance, USA Travelers can contact the Patriot America Plus insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
Reviews, Ratings and Experiences
For coverage inside USA Patriot America Plus insurance pays:
Plan excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.
The Patriot America Plus cost per day ranges from $1.52 to $25.50. This is dependent on a few factors namely the age of the traveler, the plan maximum and the deductible.
The cost of Patriot America Plus insurance is higher for senior travelers as they are more likely to need healthcare while traveling. Also the higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium.
For Example here we are showing Patriot America Plus travel insurance cost per day with deductible of $250.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | ||
| 0 – 17 years | $1.52 | $1.94 | $2.14 | $2.69 | $3.09 | |
| 18 – 29 years | $1.52 | $1.94 | $2.14 | $2.69 | $3.09 | |
| 30 – 39 years | $1.89 | $2.55 | $2.99 | $3.20 | $3.52 | |
| 40 – 49 years | $2.48 | $3.04 | $3.42 | $4.04 | $4.50 | |
| 50 – 59 years | $4.13 | $5.07 | $6.30 | $7.13 | $7.85 | |
| 60 -64 years | $5.30 | $6.85 | $7.47 | $9.32 | $10.04 | |
| 65 – 69 years | $5.58 | $7.19 | $9.00 | $11.66 | $11.94 | |
| 70 – 79 years | $9.31 | $14.00 | ||||
For senior travelers aged 80 to 99, the cost is $25.50, with a maximum coverage of $10,000 and a deductible of $250.
A higher deductible has a lower premium, while a lower deductible has a higher premium. This is based on the deductible factors shown here.
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
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 is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days.
Patriot America Plus is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.
Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.
The cost of Patriot America Plus visitor medical insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible.
The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $50k, $100k, $500k, $1M depending on the age of traveler. To get a quote Click here.
To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler.This will include the name of the traveler, the date of birth, the passport number and the travel dates.
You can get the quotes and make an instant purchase of Patriot America Plus travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
Patriot America Plus insurance provides coverage worldwide except in your country of citizenship.
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 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.
Yes, you will be covered by Patriot America Plus plan if you are traveling to multiple countries, as long as your travel includes the USA and you meet the eligibility criteria for the plan. The Patriot America Plus provides coverage for non-U.S. residents visiting the USA, as well as for U.S. citizens living abroad and traveling to the USA for a short trip.
There is no waiting period of travel medical insurance coverage in the Patriot America Plus insurance by IMG. The earliest you can start a policy is the following day after you apply on American Visitor Insurance. The plan will cover you for any new sickness or illness that starts after the policy has started, subject to the terms and conditions of the insurance. However, please note that the plan will not cover pre-existing conditions, unless it is an acute onset of a pre-existing conditions and meets the clearly defined criteria.
Yes. Adventure sports coverage is available as optional rider up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy. Click here to know more.
Consider an example where your
Insurance coverage $50,000
Deductible $100 per certificate period
Medical expenses Claims$24,100
| Expense | Amount billed | Amount Insurance Pays | Amount Insured Owes |
|---|---|---|---|
| Deductible | $100 | $0 | $100 |
| Days in hospital | $2,000/day for 3 days | $6,000 | $0 |
| Surgery | $16,000 | $16,000 | $0 |
| Prescription Drugs | $600 | $600 | $0 |
| X Ray | $1,400 | $1,400 | $0 |
| Total: | $24,100 | $24,000 | $100 |
Get quotes for groups of five or more people traveling outside their home country!
Find the best group insurance quotes »A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. This insurance have two different network providers for our plans.
IMG maintains when inside the U.S., the UnitedHealthCare options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot America Lite insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
local_hospital Patriot America Lite PPO network »Download Patriot America Plus claims form
Frequently asked questions and answer about travel insurance.
Read more »IMG popular travel insurance plan with pre-existing coverage.
Read more »Customer queries about Patriot America insurance plan.
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