Patriot America Plus insurance cost

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Patriot America Plus travel insurance

“A” (Excellent) by A.M. Best
Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Ideal for Parents visiting USAGreen Card holdersUS citizens visiting USA

Patriot America Plus review

Patriot America Plus insurance is a comprehensive travel medical insurance for non US citizens traveling individually or in groups to the USA. Patriot America Plus US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.

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.

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Patriot America Plus visitor insurance - Key Highlights

  • Eligible for Non US citizens traveling to the USA.
  • The policy maximum options available are $50,000, $100,000, $500,000, and $1,000,000
  • The deductible options available are $0, $100, $250, $500, $1000, and $2500
  • Plan is available in daily and monthly rates
  • Acute on set of pre-exisitng condition available up to 70 years
  • Emergency medical evacuation coverage up to $1,000,000
  • Urgent Care visits up to $25 copay

Customer Reviews

Reviews, Ratings and Experiences

The compassionate care you gave me in the handling of my need, in my hour of need, was exemplary! We never felt like we were merely a case number — we felt the sincerity of your heartfelt response, as I shared my heart with you, both by phone and by e-mail correspondence.
  |   Steve E
Thanks for all the help and continued support you have provided. Although one hopes never to use travel insurance, you were a god-send throughout our ordeal. We couldn’t have done it without your continued assistance. Thanks again for everything.
  |   Joan
I was unlucky enough to fall ill while abroad, and filed two claims with IMG; I was quite pleased at how easy and straight-forward this process was. My claims were processed quickly and without loads of red-tape. The representatives I spoke with were polite and helpful, as well.
  |   Kelli M

Advantages and Disadvantages of Patriot America Plus Insurance

  • Patriot America Plus Insurance Advantages
    • Covers Acute on set of pre-existing conditions up to 70 years.
    • United Health Care PPO is available
    • This plan can be extend and cancelled.
    • Short-term travel medical coverage for individuals, groups, and their dependents
    • Plan is renewable for up to 2 years.
    • Optional Adventure sports coverage is available.
  • Patriot America Plus Insurance Disadvantages
    • Acute onset of Pre-existing coverage not available beyond 70 years.
    • Only $10,000 maximum coverage for 80+ travelers.

An Overview of Patriot America Plus


  • Available for Non US citizens travelling to the USA.
  • For ages 14 days to 99 years.


  • Coverage is available from 5 days to 12 months.
  • Renewed online max up to 24 months.

Pre-existing condition

  • Offers Acute onset of pre-existing coverage up to the age of 70 years.
  • $25,000 maximum limit for emergency medical evacuation.


  • Before effective date: Full refund of premium is available.
  • After effective date $50 cancellation fee will be charged by the insurance company.


For coverage inside USA Patriot America Plus insurance pays:

  • In the PPO Network: The plan pays 100%.
  • Outside the PPO Network: The plan pays 80% of eligible expenses up to $5000, then 100% up to the max limit


Plan excludes coverage for residents of Belarus, Russia, and Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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. Plan/insurance company pays 100%: $24,100 and insured bears $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
* 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.

Plan details of Patriot America Plus insurance

Patriot America Plus Insurance - FAQ's

01. 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.

02. What is Patriot America Plus insurance?

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.

03. What are the benefits of Patriot America Plus insurance?

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.

04. How much does Patriot America Plus cost per month in USA?

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.

05. What are the requirements for purchasing Patriot America Plus insurance?

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.

06. How do I purchase Patriot America Plus insurance?

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.

07. What is the coverage area of Patriot America Plus insurance?

Patriot America Plus insurance provides coverage worldwide except in your country of citizenship.

08. 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.

09. 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.

10. 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.

11. 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.

12. 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.

13. Will the Patriot America Plus plan provide coverage if I am visiting multiple countries?

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.

14. What is the waiting period for the Patriot America Plus plan?

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.

15. Does Patriot America Plus insurance covers Adventure sports?

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.

Are you traveling in Groups?

Get quotes for groups of five or more people traveling outside their home country!

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Patriot America Plus - PPO network

Patriot America Plus - Provider network and how to find hospital or doctor? United Healthcare Provider Network

IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.

Find Provider Network

Patriot America Plus Insurance cost per month for Seniors

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Patriot America Plus Claims Information

Download Patriot America Plus claims form

Toll Free Number

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
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Top nationalities who buy Patriot America Plus

IMG Travel Insurance related coverage

Patriot Group insurance

Group of 5 or more travelersNewly arrived immigrants

  • Patriot America Lite Group - Coverage for Inside the US
  • Patriot International Lite Group - Coverage for Outside the US

Patriot America Plus insurance

Acute onset of pre-existing conditions

  • US citizens living abroad and visiting USA can also buy this plan.
  • Green Card Holders in the US are eligible as long as their primary residence is outside the US.

Patriot Platinum insurance

First-class medical coveragePre-existing conditions

  • Best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
  • Available for Non US citizens travelling outside their home country.

Patriot America Lite insurance

Parents visiting USAB1 Visa holders

  • Provides coverage for travelling outside their home country when destination includes US and its territories.
  • US citizens living abroad and visiting USA can also buy this plan.