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Patriot America Plus Insurance review

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

Patriot America plus covid travel insurance coverage for Coronavirus, IMG covid insurance Travel insurance for Coronavirus Covid

The Patriot America Plus covid insurance includes COVID 19 coverage up to the policy maximum, regardless of purchase or travel date for new purchasers after September 1st 2020. Customers who would like to renew or extend their existing plans set to expire on or after September 1st 2020 and wish to receive the new Covid coverage benefits should let their existing plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional benefits listed above.

Patriot America Plus Links

  • Brochures
  • Detailed benefits
  • Group insurance
  • Advantages
  • Comprehensive
  • Claims
  • Renewal
  • Provider network
  • Compare plans

Patriot America Plus - Key Highlights

  • This is a comprehensive plan from IMG and is is similar to the Patriot America insurance with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70 years
  • Plan is renewable for up to 2 years.
  • US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.

Patriot America Plus travel insurance

  • Coverage for Non US citizens travelling to the USA.
  • 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:
    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.

A working example of using Patriot America Plus travel insurance (Offered by International Medical Group)

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

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

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What are some insurance terms important in Patriot America Plus Insurance 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.
  • Patriot America Plus Insurance underwritten by Sirius International Insurance Corporation and rating “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s

Patriot America Plus Travel Insurance - Common Questions

IMG is an award-winning provider of global insurance benefits and assistance services. International Medical Group (IMG) has been in the international travel health insurance market for 27 years and the company has been providing excellent world class medical insurance plans during this time. IMG on average takes less than 30 days to settle its claims.
International Medical Group provides US citizens and non-US citizens with international insurance resources to ease the stress of an unfamiliar culture or medical system. Whether you need individual coverage for a vacation, or group coverage for employees in locations around the world. It has an IMG international travel insurance plan to meet your needs.

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.

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 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.

Compare IMG Patriot America Plus vs Patriot America travel insurance:
C Comprehensive Plans

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