Patriot America Plus insurance cost

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Patriot America Plus Insurance Review

Patriot America Lite Insurance
Insurance provider
International Medical Group
Patriot America Plus insurance rating
“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Policy maximum?
$50,000, $100,000, $500,000, $1,000,000 per insured person
Deductible options?
$0, $0, $100, $250, $500, $1,000 or $2,500 per insured person
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Compare Patriot Travel Insurance Plans
Plan life? - 5 days to 364 days.
Patriot America Plus Insurance can be renewed online maximum up to 2 years.
Patriot America plus insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Patriot America Plus Links

  • Brochures
  • Detail Description
  • Group insurance
  • Advantages
  • Disadvantages
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  • Comprehensive
  • Claims
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  • Provider network
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Patriot America Plus travel Insurance - Key Highlights

  • US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
  • Plan maximum options available up to $1 million.
  • It covers acute onset of pre-existing conditions up to the age of 70 years.
  • US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.

Patriot America Plus Insurance Eligibility:
Coverage for Non US citizens travelling to the USA. Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.

View complete details of benefits

A working example of using Patriot America Plus insurance*

Consider an example where your:
  • Insurance coverage is $50,000
  • Deductible is $100 per certificate period
  • Coinsurance for claims incurred inside US and in the PPO: The plan pays 100%
  • Your claims for medical expenses is $24,100
Below is a simple calculation showing how much the plan/insurance company pays you:
  1. Subtract the deductible from claims amount - $24,100 minus $100 equals $24,000. Insured bears $100
  2. Apply 100% coinsurance.
  3. Plan/insurance company pays 100%: $24,100 and insured bears $100
Patriot America plus Insurance
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
* Disclaimer:- We have done everything to the best of our ability to make the insurance information up-to-date and accurate. However this information does change periodically and we cannot guarantee 100% accuracy.
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What are some insurance terms important in Patriot America Plus reviews

  • Plan Maximum coverage of Patriot America Plus travel insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America Plus insurance offers maximum coverage up to 1 million.
  • What is a deductible in Patriot America Plus visitors 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 Plus insurance has deductible options from $0 up to $2,500
  • What is a provider network of Patriot America Plus Medical 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.
  • What is coinsurance in Patriot America Plus visitor insurance?
    This is a percentage of the bill that the travel has to pay. Patriot America Plus plan have no coinsurance coverage outside USA.
    For coverage inside USA:
    • Patriot America Plus pays
    • IN PPO NETWORK
      The plan pays 100%.
    • OUT OF PPO NETWORK
    • The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.
  • Renewability of Patriot America Plus Travel health insurance
    Patriot America Plus Insurance can be renewed from 5 days to 364 days and later can be renewed maximum up to 2 years.
  • Eligibility to buy Patriot America Plus Insurance Online
    Coverage for Non US citizens travelling to the USA.US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Patriot America Plus Pre-existing conditions Visitors Insurance for travelers
    Patriot America Plus insurance offers coverage for acute onset of pre-existing conditions up to the age of 70 years.
  • Underwriter and Eligibility of Patriot America Plus Insurance
    Patriot America Plus Insurance underwritten by Sirius International Insurance Corporation and rating “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s.

special-coveragePatriot America Plus Insurance Restrictions

Patriot America Plus Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

Patriot America Plus Travel Insurance - Common Questions

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 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 $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.

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.

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.

Patriot America Plus Insurance Information

Patriot America Plus Insurance Advantages

  • Patriot America Plus from IMG covers covid
  • US expats looking to visit the US can buy Patriot travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.

Patriot America Plus Insurance Disadvantages

  • This plan is available up to 70 years
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Patriot America Plus - Provider network and how to find hospital or doctor?

IMG maintains a wide network of health care providers.
United Healthcare Provider Network
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