Patriot Travel medical insurance by International medical group (IMG) – Comparison of plan features

Covid-19 travel insurance for international travelers

While travelling in the midst of a coronavirus pandemic, one must ensure that they have the right travel health insurance with proper Covid-19 coverage. At America visitor insurance travelers can get visitors insurance for Covid -19 illness. We offer a range of options for visitors where they can compare using our Visitors insurance for Covid19 comparison tool based on the factors like the travelers age, duration of travel, the maximum coverage required, deductible and the need for pre-existing conditions or for covid coverage. Travelers can narrow down their search further by applying the “filter” option for Covid19 available in the tool. Please know we are here to help you make the best, informed decision to get coverage even for COVID-19! Let us know how we can assist you. Feel free to contact us by email or phone at any time.

International Medical Group (IMG) Coronavirus insurance offers covid19 travel insurance for USA. IMG's Patriot America Plus and Patriot Platinum insurance plans cover COVID-19 like any other illness. The Patriot America Plus Covid Insurance and Patriot America Platinum coronavirus insurance include COVID coverage up to the policy maximum.

IMG Patriot travel health insurance plans

compare patriot travel insurance

Patriot America Plus and Patriot Platinum America can be used by green card holders as long as they maintain a residence outside the US. These plans offered by IMG are specifically designed for short term travel to USA. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age. The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. Persons under 70 years of age can get up to $1 million maximum coverage. These plans also covers COVID-19 illness up to the maximum of the policy. Please note the Patriot America plan does NOT cover COVID!

International Medical Group (IMG) is an award winning provider in the health insurance industry and is popular for the benefits and services offered by their products. For more than 25 years, IMG has successfully served the people traveling outside their home country around the globe with their unique travel health insurance plans. The Patriot series of plans from IMG which are comprehensive plans are hugely popular between the international travelers both US and Non US citizens traveling around the world. These plans are classified based on the eligibility and the benefits provided. All of these plans are available for a minimum of 10 days to a maximum of up to 2 years. Let's look at each plan in detail to understand who is eligible to buy it and what the plan provides:

Patriot Travel

Patriot America

  • Covid 19 coverage is not available.
  • Plan available for NON US citizens traveling to the US and its territories.
  • Above age 65, plan has to be effective within 30 days of arrival in the US.
  • Policy maximum available from $50,000 up to $1,000,000.
  • Deductible options available from $0 to $2,500.
  • Coverage for medical expenses, evacuation and repatriation available.
Brochure   Details
Patriot Travel

Patriot International

  • Covid-19 coverage is available with this plan.
  • US and Non US citizens traveling outside their home country excluding US and its territories.
  • Policy maximum options available up to $2,000,000.
  • Coverage for acute onset of pre existing conditions up to the age of 70.
  • Satisfies the Schengen Visa Requirements and provides Schengen Visa Letter immediately after purchase.
Brochure   Details
Patriot America Plus

Patriot America Plus

  • Covid-19 coverage is available for travelers to the US.
  • Policy maximum available starting from $50,000 to $1,000,000.
  • Coverage for acute onset of pre existing conditions available up to age 70.
  • Coverage for Non US citizens coming to the US.
  • Deductible options available from $0 up to $2500.
  • Coverage for medical evacuation available for $25,000 for pre existing condition.
Brochure   Details
Patriot Platinum

Patriot Platinum

  • Covid -19 coverage is available for travelers to the US.
  • Policy maximum options starts with $2,000,000 and covers up to $8,000,000.
  • Policy maximum options available are $2,000,000, $5,000,000 and $8,000,00.
  • Unlike other plans this plan is renewable for up to 3 years.
  • Coverage for medical evacuation available for $25,000 for pre existing condition.
Brochure   Details
You can compare Patriot Travel insurance plans to review the plans benefits.

Compare Patriot America vs Patriot Platinum Patriot America Patriot Platinum
Policy maximum options Plan provides starting from $50,000 up to $1,000,000 Plan provides starting from $1,000,000 up to $8,000,000 (Only options are $2,000,000,$5,000,000, $8,000,000)
Co insurance options Within the Provider network: Plan pays 100%
Outside the Provider network: Plan pays 80% up to $5000 and then pays 100%
Within the Provider network: Plan pays 100%
Outside the Provider network: Plan pays 90% up to $5000 and then pays 100%
Deductible options $0 to $2,500 $0 to $2,500
Renewability Renewable up to 2 years Renewable up to 3 years
Covid-19 coverage Not available Available like any other illness
Acute onset of pre existing condition coverage Not available Available up to the age of 70 with varying limits by age up to maximum of $1,000,000

Glossary:

Provider Network: 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.
Deductible: This is the initial amount the traveler needs to pay before the insurance actually starts paying during claim expense. Remember higher deductible have less premium than a plan with lower deductible.
Co insurance: This is a percentage of the bill that the travel has to pay after satisfying the deductible and is a percentage of the bill up to a certain dollar limit.

What are factors to consider while comparing Patriot America insurance and Patriot Platinum insurance?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America insurance and Patriot Platinum insurance:
  • Compare visitor medical insurance maximum coverage between Patriot America insurance and Patriot Platinum insurance:
    This the maximum coverage that the plan would offer for the medical expenses. Patriot America insurance offers maximum coverage up to 1 million and Patriot Platinum insurance offers coverage up to 8 million. The coverage may vary for older travelers with reduced plan maximum.
  • Compare visitors health insurance deductible options between Patriot America insurance and Patriot Platinum 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 insurance has deductible options from $0 up to $2,500 and Patriot Platinum Insurance has a range of deductible option from $0 up to $25,000.
  • Compare travel medical insurance provider network for Patriot America insurance and Patriot Platinum 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.
  • Compare travel insurance coinsurance options for Patriot America insurance and Patriot Platinum insurance:
    This is a percentage of the bill that the travel has to pay. Patriot America Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5,000, then 100% and it pays 100% within provider network. Patriot Platinum insurance pays no coinsurance within provider network and out of the provider network which is the plan pays 90% up to $5,000, then 100%.
  • Contrast the travel health Insurance renewability options for Patriot America insurance and Patriot Platinum insurance:
    Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Insurance can be renewed up to 2 years while Patriot Platinum insurance can be renewed up to a total of 364 days.
  • Compare eligibility options of US visitors travel insurance for Patriot America insurance and Patriot Platinum insurance:
    Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America has time restrictions that it has to be bought within 30 days of arrival in the US.
  • Compare visitors insurance Pre-existing conditions coverage for Patriot America insurance and Patriot Platinum insurance:
    Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while Patriot Platinum insurance offers coverage under 70 years of age, with varying limits by age up to $1,000,000. $25,000 maximum limit for medical evacuation.
Compare Patriot travel insurance plans
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