Compare Visitors Protect vs Patriot Platinum 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 Platinum and Visitors Protect Insurance which is quite popular among International tourists to USA. Patriot Platinum and Visitors Protect Insurance ratings by AM Best Rating is A++ (Superior).
Factors for comparing Visitors Protect vs Patriot Platinum 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 Platinum travel insurance:
01. 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. while Patriot Platinum offers coverage up to 8 million. The coverage may vary for older travelers with reduced plan maximum.
02. 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 Platinum insurance has deductible options from $0 up to $25K.
03. 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.
04. 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.
- In PPO network: The plan pays 100%
- Out PPO network: The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit.
05. 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 Platinum insurance can be extended for a minimum of 5 days up to a 12 months period, until reaching a maximum of 36 continuous months.
06. Compare eligibility options
Visitors Protect insurance is availble for visitors traveling from their home country to the U.S., Canada, and Mexico,Travel medical insurance for individuals, families.This plan must be initially purchased prior to departing the Country of Residence while Patriot Platinum has some time restrictions in that it has to be bought within 30 days of arrival in the US.
07. 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 Platinum Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions.
Visitors Protect and Patriot Platinum plans for coverage of pre-existing conditions
| Pre-Existing FAQ's | Visitors Protect | Patriot Platinum |
|---|---|---|
| What is a Pre-Existing Condition definition? |
An Illness, disease, or other condition of the Insured Person that in the twelve (12) month period before the Insured Person’s coverage became effective under this insurance:
|
Should you experience a sudden and unexpected outbreak or recurrence of a pre-existing condition, this coverage provides necessary emergency care for any medical emergency that is life threatening or requires immediate medical treatment. Coverage is available for travelers under age 70, and maximum limits vary by plan and age. |
| What are the Pre-Existing Coverage options available for visitors? | Pre-Existing Condition | Acute Onset of Pre-Existing Condition |
| What types of pre-conditions are covered? |
|
|
| Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions?Are there any medical tests required to buy pre existing visitor insurance? | No look back period | 3 years; Pre-existing conditions are not covered prior to start of visitor insurance coverage |
| Do you need a medical report of the person with the pre-existing condition? | No | No |
| Will we get a document stating that we have insurance and stating that the pre-existing condition is covered? | This plan does not provide a separate document | This plan does not provide a separate document |
| What is pre-certification? | There is no pre-certification requirements under Atlas America plan. | You must call the plan provider to make sure that the procedure / medical coverage that you seek is indeed covered by your plan. |
| Up to what age is the coverage available? | Coverage is available up to 99 years | Coverage is available up to 70 years |
- FEATURES
- Eligible Plan for USA Coverage
- Parents Eligible to be insured
- Acute on set of Pre-existing Cover
- Eligible for Green card holders
- 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
- No
- Yes
- $250 to $5k
- A-
- Yes
- Sirius
- IMG
- Buy Now
- Patriot Platinum
- Yes
- Yes
- Yes, covers up to 70 years
- Yes
- Yes
- $0 to $25K
- "A" Excellent
- Yes
- Sirius
- IMG
- Buy Now
Key Highlights
Visitors Protect vs Patriot Platinum Insurance - FAQs
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How does Visitors Protect insurance work?
Visitors Protect Insurance is an affordable comprehensive benefit plan which 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.
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.
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.
Which is the most affordable plan offered by International medical group?Visitors Protect is a comprehensive benefit plans and most affordable plan by IMG. This plan has specific benefit limits for different covered medical expenses. These benefit limits are not the same as the plan medical maximum.
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.
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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.
What are the benefits of Patriot Platinum insurance?Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.
How much does Patriot Platinum cost?The cost of Patriot Platinum 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 $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.
How do I purchase Patriot Platinum insurance?You can get the quotes and make an instant purchase of Patriot Platinum travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
What is the coverage area of Patriot Platinum insurance?Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.
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.
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