Review of Patriot America Plus vs Visitors Preferred
Visitors Preferred is best for non-U.S. residents traveling to the U.S. This plan is most similar to our Patriot America Plus plan, but with the addition of embedded telehealth services, a border entry protection benefit, a higher maximum limit for lost baggage, and a lower copay for urgent care clinics. Visitors Preferred is also offered at a lower rate than Patriot America Plus, making it the best mix of total benefits and rate.
Visitors Preferred offers potential coverage up to the maximum limit of the plan for acute onset of pre-existing conditions for insureds under 70 years of age and a $25,000 maximum limit for a directly related emergency medical evacuation.
- FEATURES
- Cost*
- Coverage in USA?
- Border entry protection?
- Parents/Seniors are eligible?
- Covers Acute onset of Pre-existing?
- Eligible for Green card holders?
- Renewable and Cancellable?
- A.M. Best Rating
- Underwriter
- Insurance company
- Buy now
Visitors Preferred vs Patriot America Plus Insurance: A Quick Comparison
Visitors Preferred Insurance
- Cheap short-term medical insurance compared to Patriot America Plus.
- Covers telehealth services and higher maximum limit for lost baggage.
- Covers border entry protection up to $500 maximum limit
- Acute on set of pre-existing conditions covered up to 70 years.
- Offers maximum coverage up to 1 million.
- Deductible options ranges from $0 to $2,500.
- Renewable for up to 364 days.
- Adventure sports coverage is available as optional rider up to the age of 65 years.
- local_hospital
Provider Network
- medical_services
Urgent Care Clinic
$15 copay - airplanemode_inactive
Lost Luggage
$100 per item, $500 maximum limit - dentistry
Dental Treatment
Up to $300 - ambulance
Emergency Medical Evacuation
Up to $1,000,000 lifetime maximum - shopping_cartBuy Now
Patriot America Plus Insurance
- Offers maximum coverage up to 1 million.
- Deductible options ranges from $0 to $2,500.
- Acute on set of pre-existing conditions covered up to 70 years.
- Renewable for up to 2 years.
- $50 cancellation fee after the effective date.
- Available for Non US residents traveling to USA.
- Adventure sports coverage is available as optional rider up to the age of 65 years.
- local_hospital
Provider Network
li>medical_services - dentistry
Dental Treatment
Up to $300 - ambulance
Emergency Medical Evacuation
Up to $1,000,000 - pets
Pet Return
$1,000 maximum limit - shopping_cartBuy Now
Urgent Care Clinic
$25 copay
How much does Visitors Preferred vs Patriot America Plus cost per month?
Both Patriot America Plus and Visitors Preferred provide excellent coverage for travelers visiting the US on a short-term basis. However, it's important to compare the two plans closely to determine which one best meets your specific needs.
You can compare cost for both Visitors Preferred and Patriot America Plus plans with $250 deductible.
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Visitors Preferred vs Patriot America Plus Travel Insurance - FAQs
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Does Visitors Preferred insurance covers border entry protection?Yes. Visitors Preferred insurance covers border entry protection up to $500 maximum limit.
Does Visitors Preferred insurance cover pre-existing conditions?Yes, the Visitors Preferred insurance covers acute on set of pre-existing condtions Up to the maximum limit.(Insured person must be under 70 years of age).$25,000 maximum limit for emergency medical evacuation
Can US citizens buy Visitors Preferred Visitor insurance?Visitors Preferred Insurance is available for US citizens residing outside USA and visiting USA for short term.Visitors Preferred 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.
Does IMG Visitors Preferred insurance have a cancellation fee?Yes. Visitors Preferred insurance have $50 cancellation fee after the effective date.
Does Visitors Preferred 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.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing.
Visitors Preferred vs Patriot America Plus which travel Insurance is better?Visitors Preferred is best for non-U.S. residents traveling to the U.S. This plan is most similar to our Patriot America Plus plan, but with the addition of embedded telehealth services, a border entry protection benefit, a higher maximum limit for lost baggage, and a lower copay for urgent care clinics. Visitors Preferred is also offered at a lower rate than Patriot America Plus, making it the best mix of total benefits and rate.
Visitors Preferred is the best plan with low cost and best coverage than Patriot America Plus. -
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.
Can US citizens buy Patriot America Plus Visitor 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.
Can I buy Patriot America Plus insurance after my arrival in the US?Yes, the Patriot America Plus 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 $5K, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America Plus insurance working example.
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.
This plan covers any Illness or Injury sustained while taking part in activities designated as Adventure Sports, which are limited to the following: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking and windsurfing
Does IMG Patriot America Plus have a cancellation fee?Yes. Patriot America Plus have $50 cancellation fee after the effective date.
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.
