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. Coverage includes 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.

What are the requirements for purchasing Patriot America Plus insurance?

To buy Patriot America Plus insurance, you will need the travel dates and passport details of the traveler. This includes the traveler's name, date of birth, passport number, and travel dates.

verified AM Best "A" (Excellent) Rated · IMG Insurance

Patriot America Plus Insurance Reviews 2026

Q: 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.

Comprehensive short-term travel medical insurance for non-US citizens visiting the United States. Trusted by thousands of visitors, parents & green card holders annually.

Patriot America Plus Insurance Cost Calculator - Get Free Quote

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Patriot America Insurance Reviews

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Policy maximum

$50,000, $100,000, $250,000, $500,000, $1,000,000

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Deductible

$0, $100, $250, $500, $1,000, $2,500

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Comprehensive plan

Covers eligible medical expenses

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Renewability

Up to 24 months

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Pre-existing conditions

Acute onset covered up to 70 years

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PPO network

United Healthcare & First Health

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Client Stories

IMG Patriot America Plus Insurance Reviews

★★★★★

"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

✓ Verified Customer

★★★★

"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

✓ Verified Customer

★★★★★

"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

✓ Verified Customer

Who Qualifies

Eligibility Requirements

Patriot America Plus is designed for non-U.S. residents traveling to the United States. Review the criteria below before purchasing.

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Non-U.S. Residents

Open to any non-U.S. resident traveling to the USA for business, tourism, study, or cultural exchange.

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Green Card Holders

Eligible provided your primary residence is outside the United States.

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U.S. Citizens Living Abroad

U.S. citizens with a permanent residence outside the USA who are visiting can also purchase this plan.

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Age Requirements

Applicants must be at least 14 days old. Coverage is available up to age 99, with benefit limits that vary by age bracket.

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Who Cannot Apply

This plan is not available to individuals who are HIV-positive, pregnant, currently hospitalized, or disabled as of the coverage start date.

Optional Riders

Enhance Your Coverage

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Adventure Sports Rider

Covers 50+ adventure activities (skydiving, bungee jumping, kayaking, paragliding, etc.) for travelers up to age 65.

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Enhanced AD&D Rider

Enhanced Accidental Death & Dismemberment coverage available for individual policyholders beyond the basic benefit up to $100,000.

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Evacuation Plus Rider

Increases your emergency medical evacuation benefit beyond the standard $25,000 included in the base plan.

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Cellular Phone Rider

Optional rider to protect your mobile phone against damage or theft while traveling in the United States.

Quick Analysis

Pros & Cons of Patriot America Plus Insurance

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Patriot America Plus advantages

9 benefits

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Affordable premiums compared to comprehensive plans, making it ideal for budget-conscious visitors

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Coverage available from just 5 days up to 364 days, with renewability for up to 2 years

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Access to the UnitedHealthcare and FirstHealth PPO networks nationwide

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Meets J1, J2, F1, F2, M1, M2, and A visa insurance requirements

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Flexible deductibles ranging from $0 to $2,500 allow for premium customization

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Available for individuals, families, and groups of 5 or more

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Optional adventure sports rider available for active travelers (up to age 65)

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Can be purchased even after arrival in the U.S. (within 30 days for ages 65+)

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Underwritten by SiriusPoint Specialty Insurance Corporation, rated A by A.M. Best

View Details →

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Patriot America Plus disadvantages

7 limits

Acute onset of Pre-existing coverage not available beyond 70 years

COVID-19 is not covered under the Lite plan

Limited maximum coverage for seniors aged 80+ (only $10,000)

Not available to residents of, or travelers visiting, Belarus, Russia, or Ukraine

Applicants must not be HIV-positive, pregnant, hospitalized, or disabled on the policy start date

A $50 cancellation fee applies if the policy is cancelled after the start date

Lower coverage limits compared to Patriot Platinum America (which offers coverage up to $8 million)

View Details →

Pricing Guide

How Much Does Patriot America Plus Insurance Cost?

The cost of Patriot America Plus Insurance ranges from $1.52 to $14 per day, depending on the traveler’s age, selected plan maximum, and deductible.

The table below shows sample daily rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.

Ages 0–79: $50,000, $100,000, $250,000, $500,000 & $1,000,000 options Age 80+: $10,000 only

Age of traveler	Medical Coverage
Age of traveler	$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	Not available for this age group
80 - 99 years	$25.50/day $10,000 max only, $250 deductible

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Deductible Adjustment Factors

Multiply the base rate above by the factor for your chosen deductible:

×1.25

Highest premium

$100

×1.10

Higher premium

$250

×1.00

Base rate

$500

×0.90

Lower premium

$1,000

×0.80

Lower premium

$2,500

×0.70

Lowest premium

How it compares

Patriot America Plus vs Competitor Plans

See how Patriot America Plus compares with leading visitor insurance plans like Atlas America (WorldTrips), Safe Travels USA Comprehensive (Trawick International), and Patriot America Plus (IMG).

Feature	Patriot America Plus	Atlas America (WorldTrips)	Safe Travels USA (Trawick)	Patriot America Lite (IMG)
Max coverage	$1,000,000	$2,000,000	$1,000,000	$1,000,000
PPO network (USA)	UnitedHealthcare	UnitedHealthcare	First Health PPO	UnitedHealthcare
Pre-existing coverage	Acute onset to age 70	Acute onset to age 80	Acute onset to age 89	Not Available
Out-of-network coinsurance	90% - 100%	100%	100%	80% - 100%
Emergency evacuation	Up to $1,000,000	Up to $1,000,000	Up to $1,000,000	Up to $1,000,000
Renewable period	24 months	24 months	24 months	24 months
Adventure sports rider	Available	Available	Limited	Available
Telehealth	Optional	Optional	Optional	Optional add-on
Deductible options	$0–$2,500	$100–$5,000	$0–$5,000	$0–$2,500
AM Best rating	A-	A++ (Superior)	A (Excellent)	A (Excellent)
Explore Plan	View Plan »	View Plan »	View Plan »	View Plan »
Get Started	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now	shopping_cart Buy Now

*Competitor data based on publicly available plan details. Always verify current terms. Full comparison →

Patriot America Plus vs Atlas America » Patriot America Plus vs Patriot America Lite » Patriot America Plus vs Patriot America Platinum » Patriot America Plus vs Diplomat America »

Patriot America Plus Insurance Reviews vs Competitor Plans - Summary

Patriot America Plus stands out as a budget-friendly visitor insurance plan with solid core benefits, but it comes with some important limitations compared to competitors.

Coverage & Pricing: Offers up to $1,000,000 coverage, similar to most competitors, but lower than Atlas America’s higher maximum options.
Network Access: The plan uses the UnitedHealthcare PPO network, similar to Atlas America and Patriot plans. Safe Travels USA uses the First Health PPO network.
Pre-existing Conditions: Coverage is limited to acute onset up to age 70. Competitors generally provide broader acute onset coverage with higher age limits.
Coinsurance: The plan offers 90% - 100% coinsurance, which may be less favorable compared to competitors offering 100% coverage within PPO networks.
Emergency Evacuation & Renewability: Matches competitors with up to $1,000,000 evacuation coverage and renewability for up to 24 months.
Flexibility & Add-ons: Includes options like adventure sports rider and telehealth, similar to other plans.
Overall Positioning: Patriot America Plus is best suited for travelers looking for affordable, basic coverage. However, plans like Atlas America and Safe Travels USA Comprehensive generally provide broader benefits and better support for pre-existing conditions.

Real-World Example

How Patriot America Plus Works - A Real Claim Example

Using a $50,000 policy with $100 deductible and in-network (PPO) care:

Expense	Amount Billed	Insurance Pays	You Owe
Deductible	$100	$0	$100
Hospital stay (3 days × $2,000)	$6,000	$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

Result: On a $24,100 medical bill, you pay only $100 (your one-time deductible). The insurance covers $24,000 - that's a 99% coverage rate when using an in-network PPO provider.

Disclaimer: Example is illustrative. Actual coverage depends on policy terms, network participation, and eligibility of expenses.

Provider Access

PPO Networks - Finding a Doctor

Using an in-network provider means the plan pays 100% after your deductible. Out-of-network, the plan pays 90% up to $500 then 100%.

UnitedHealthcare Options

The primary network for US care. One of the nation's largest PPO networks with access to thousands of board-certified doctors and hospitals nationwide.

search Find a UHC Doctor

First Health / First Health International

Secondary network option with strong nationwide provider access. Your ID card will indicate which network applies.

search Find a First Health Doctor

Tip: When checking in at a US hospital or clinic, say: "My healthcare coverage uses the United Healthcare travel health insurance network." Always confirm PPO participation directly with the provider before your visit.

Simple Process

How Do I File a Claim With Patriot America Plus Insurance?

To file a claim with Patriot America Plus Insurance, follow these steps:

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Step 01

Download Form

Get the IMG claim form from the member portal.

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Step 02

Call Support

Speak to our licensed support staff for guidance.
1-800-628-4664

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Step 03

Submit Documents

Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.

Step 04

Email Help

customercare@imglobal.com

Common Questions

Patriot America Plus Insurance - FAQs

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.

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.

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.

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.

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, Patriot America Plus, administered by IMG, is the best U.S. visitor insurance with UnitedHealthcare PPO which supports direct billing. Many network hospitals and urgent care centers can bill UnitedHealthcare PPO directly, helping minimize out-of-pocket payments. To ensure a smooth cashless experience, confirm that your chosen provider is part of the UnitedHealthcare PPO network before seeking care.

Compare Plans

Patriot America Plan Comparison

Not sure which plan is right for you? Compare the three Patriot America plans side by side to find the best fit for your coverage needs and budget.

Patriot America Plus Insurance Reviews 2026

IMG Patriot America Plus Insurance Reviews

Eligibility Requirements

Non-U.S. Residents

Green Card Holders

U.S. Citizens Living Abroad

Age Requirements

Who Cannot Apply

Enhance Your Coverage

Adventure Sports Rider

Enhanced AD&D Rider

Evacuation Plus Rider

Cellular Phone Rider

Pros & Cons of Patriot America Plus Insurance

Patriot America Plus advantages

Patriot America Plus disadvantages

How Much Does Patriot America Plus Insurance Cost?

Deductible Adjustment Factors

Patriot America Plus vs Competitor Plans

Patriot America Plus Insurance Reviews vs Competitor Plans - Summary

How Patriot America Plus Works - A Real Claim Example

PPO Networks - Finding a Doctor

How Do I File a Claim With Patriot America Plus Insurance?

Patriot America Plus Insurance - FAQs

Patriot America Plan Comparison

IMG Travel Insurance Links

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