Compare Visitors Protect vs Patriot America Plus Insurance

Compare travel insurance benefits offered by Visitors Protect insurance, Patriot America Plus Insurance plans. These two US visitor insurance Patriot America Plus vs Visitors Protect are comprehensive benefit visitor insurance plans for international travel which offer coverage for acute onset of pre-existing conditions and Covid19 illness. Compare price and benefits to find the best US travel medical insurance plan for your needs.

How much does visitor health insurance USA cost?

Compare IMG Pre-existing travel insurance for USA Visitors

Email results
Age
Spouse
Start Date
End Date
Destination

Including USA

Citizenship
Compare Travel Plans
  Visitors Protect  
versus
  Patriot America  
Visitors Protect
Plan Maximum
Deductible
  Buy Now  
Patriot America Plus
Plan Maximum
Deductible
Coinsurance In Network: The plan pays 75% of the cost for eligible expenses
Out Network: The plan pays 60% in addition to the deductible.
In Network: Plan pays 100%
Out of Network: Plan pays 80% of eligible expenses up to $5K, then 100%
Length of Coverage 90 days up to 12 months. Minimum : 5 days
Maximum : 364 days
Renewability Yes 5 days to 364 days
 Medical Benefits
Hospital room and board Average semi-private room rate, including nursing services Average semi-private room rate, including nursing services.
Intensive care unit
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Up to the overall maximum limit.
Urgent Care Clinic
In Network: $25 copay, 100% up to Policy Maximum
Out Network: $50 copay, 100% up to Policy Maximum
$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
 Emergency Services
Emergency local ambulance
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Up to the maximum limit.
Hospital emergency room
In Network: 75% up to policy maximum
Out Network: 60% up to policy maximum
Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
 Dental
Emergency dental treatment Up to $300(Unexpected pain or treatment due to an accident) $300 maximum limit due to accident or unexpected pain to sound natural teeth
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
In Network: Maximum limit through age 69: $25K
Out Network: Maximum limit ages 70 and older: $20K
Up to the maximum limit.(Insured person must be under 70 years of age)
 Life
Accidental death & dismemberment $25K principal sum, Not subject to deductible $50K principal sum. Not subject to deductible
 Evacuation
Emergency medical evacuation Up to $25K the maximum limit. Not subject to deductible Up to the maximum limit. Not subject to deductible
Emergency reunion $100K maximum limit. Not subject to deductible $100k maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial $25K maximum limit for Return of Mortal Remains or $5K maximum limit for Cremation/Burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible
Local Burial or Cremation Up to $5K lifetime maximum Up to $5k lifetime maximum
Return of minor children $100K maximum limit. Not subject to deductible $100k maximum limit. Not subject to deductible
Natural disaster evacuation Not Available $25k maximum limit. Not subject to deductible (Must be approved in advance by the company)
Unique Advantages
  • It is a comprehensive benefit insurance plan.
  • The plan is available for individuals traveling outside their country.
  • Limited pre-existing condition coverage.
  • It is a comprehensive plan.
  • 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.
 Travel Insurance
Underwriter SiriusPoint Specialty Insurance Corporation Sirius International Insurance Corporation
Rating AM Rating : A- “A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s
Brochure and Details
Best ways to travel abroad

Patriot America Plus vs Visitors Protect Insurance

International visitors in USA can have an amazing time but an unexpected emergency like accidental injuries and sudden sickness can spoil your joyous vacation or trip. Visiting a physician or hospitalization in US is quite expensive resulting in huge medical bills. If the tourist doesn’t have adequate visitor insurance, it can very difficult to clear the expensive medical bills and might end up losing most of your life savings. There are many popular insurance providers offering a wide range of visitors medical insurance for international tourists to the US.

These visitors insurance plans are quite popular among international tourists to USA and are from top rated insurance providers. International Medical Group offers, Patriot America Plus and Visitors Protect Insurance which is quite popular among International tourists to USA. Patriot America Plus and Visitors Protect Insurance ratings by AM Best Rating is A++ (Superior).

Factors for comparing Visitors Protect vs Patriot America Plus travel insurance

Following are some of the travel insurance aspects that an international tourists need to focus on while comparing among Visitors Protect vs Patriot America Plus travel insurance:

Compare medical maximum coverage

This the maximum coverage expense that the plan would offer for the medical expenses. Visitors Protect insurance offers maximum coverage from $50K $100K and $250K. The coverage of $50K maximum available for people aged above 80 years. Patriot America Plus offers maximum coverage up to 1 million. The coverage may vary for older travelers with reduced plan maximum.

Compare deductible options

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. All of these plans offer a set of deductible options for the travelers to choose from. Visitors Protect insurance has a range of deductible option from $250 to $5K. and Patriot America Plus insurance has a range of deductible option from $0 up to $2.5K.

Compare provider network

This is that network of health care providers associated with the insurance plan. Insurance companies work with different provider networks and agree on costing for different medical treatments in order to control the overall costs of health care expenses. 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.

Compare coinsurance options

Visitors Protect
  • In Network: The plan pays 75% of the cost for eligible expenses
  • Out Network: The plan pays 60% in addition to the deductible.
Patriot America Plus
  • In PPO network: 90% of the first $5k, then 100% to the medical maximum.
  • Out PPO network: pays 80% of eligible expenses up to $5K, then 100%.

Contrast the renewability options

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Visitors Protect is available from 90 days up to 12 months and it can be renewed online be renewed and Patriot America plus available from 5 days to 12 months and it can be renewed for upto 24 months.

Compare eligibility options

Visitors Protect insurance is availble for individuals and families traveling from their home country to the U.S., Canada, and Mexico and US citizens living abroad and visiting USA can also buy this plan while Patriot America Plus is available for Non US citizens travelling to the USA and Green Card Holders in the US are eligible as long as their primary residence is outside the US.

Pre-existing conditions coverage

Visitors Protect insurance covers pre existing condition for age 69 and below up to $25K and for age of 70 and above it covers up to $20K while Patriot America plus Covers acute on set of pre existing conditions up to the maximum limit.(Insured person must be under 70 years of age)

  • FEATURES
  • Eligible Plan for USA Coverage
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover
  • Renewable and Cancellable
  • Deductible Choice
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Visitors Protect
  • Yes
  • Yes
  • Yes, covers up to 99 years
  • Yes
  • $250 to $5k
  • A-
  • Yes
  • SiriusPoint Specialty Insurance Corporation.
  • IMG
  • Buy Now
  • Patriot America Plus
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • $0 to $2.5k
  • "A" (Excellent)
  • Yes
  • Sirius International Insurance
  • IMG
  • Buy Now
Need Help
NEED HELP?
Contact our customer service team
We are here to help you!

Visitors Protect vs Patriot America Plus Insurance - FAQs

  • Visitors Protect Insurance - FAQ's

    How does Visitors Protect insurance work?

    Visitors Protect Insurance is an affordable comprehensive benefit American visitors medical insurance plan provides coverage for international visitors traveling from their home country to the U.S., Canada, and Mexico. This plan covers pre-existing conditions.Purchase must be done before departing the country of residence if your destination is the U.S.


    Who is eligible to buy Visitors Protect insurance?

    Visitors Protect plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada and US citizens living abroad and visiting USA can also buy Visitors Protect travel medical insurance.


    How can a visitor use Visitors Protect insurance in case of emergency in USA?

    Travelers can review this article on how to use Visitors Protect insurance in case of emergency in USA.


    How to buy Visitors Protect travel medical insurance?

    Customers can buy Visitors Protect insurance on American Visitor Insurance by completing the online application. You can get coverage for primary, spouse and your children(dependents) on one application. After completing the online application you can to pay using your Credit Card and once the transaction is completed successfully, you will receive a confirmation email from IMG with the identification card, declaration of insurance and Certificate of insurance outlining the details of the plan.


    Does Visitors Protect insurance covers Pre-existing conditions?

    Yes. Visitor Protect travel medical insurance covers temporary medical coverage with pre-existing conditions up to 99 years with deductible of $1,500 per injury or illness. For ages up to 69 years this plan covers up to $25,000 and for ages 70 and above it covers up to $20,000.


    How much does Visitors Protect insurance cost per month in USA?

    The cost of Visitors Protect 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 or $250k up to age 69 years, for ages 70 and above it covers up to $50k depending on the age of traveler

  • Patriot America Plus - FAQ's

    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 Lite 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.

    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 travel insurance cover Covid?
    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.

    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.

IMG visitors insurance related links

Review travel medical insurance plans - Blogs and articles

Visitors Protect Insurance

IMG Visitors Protect insurance plan is designed specifically for individuals and families traveling from their home country to the U.S., Canada, and Mexico. This temporary medical insurance includes coverage for pre-existing conditions up to 99 years.

Read more »

Patriot America Plus

Patriot America Plus Insurance offers comprehensive 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.