Are you traveling as a Group?
Get a 5% group discount on IMG Patriot America Plus travel medical insurance.
Get a 5% group discount on IMG Patriot America Plus travel medical insurance.
IMG Patriot America Plus insurance is a comprehensive pre-existing conditions travel medical insurance for USA designed primarily for non-U.S. residents. It offers coverage for medical expenses, emergency evacuation, repatriation, accidental death and dismemberment, and includes best coverage for the acute onset of pre-existing conditions for seniors under 70 years old.
This visitor health insurance for USA travelers can be bought before or after arriving in the U.S., with certain conditions based on traveler age. It is available for durations from 5 days up to 364 days and may be renewed for up to 2 years. Additional riders can extend coverage to adventure sports, trip cancellation, and device protection.
Traveling abroad requires more than a passport and visa. Having reliable travel medical insurance is now an essential part of international travel. Patriot America Plus from International Medical Group (IMG) offers strong protection for non-U.S. citizens visiting the USA, including coverage for the acute onset of pre-existing conditions.
Without the right visitor health insurance, even minor illnesses can turn your trip into a financial challenge. With Patriot America Plus, you can travel confidently knowing you’re protected from unexpected medical expenses.
Many private insurers offer visitor health plans for travelers to the U.S. Explore IMG travel insurance options.
Visitor health insurance plans are generally available in two types Fixed or Scheduled Benefit vs Comprehensive Coverage. Patriot America Plus is a comprehensive plan that offers flexible, affordable, and extensive medical protection.
U.S. citizens or Green Card holders living outside the U.S. for at least six months can also purchase this plan when visiting the United States. The policy offers:
Patriot America Plus is also available as a Group Plan with a 5% discount for group enrollments.
AM Rating: A- by A.M. Best
5 days to 12 months.
SiriusPoint Specialty Insurance Corporation
Secondary (Excess)
$50,000, $100,000, $250,000, $500,000, $1,000,000
$0, $100, $250, $500, $1,000, $2,500
IMG Patriot America Plus Insurance is a top choice for visitors to the USA because it offers comprehensive, flexible, and affordable medical coverage designed specifically for non-U.S. residents and short-term travelers. Patriot America Plus visitor insurance for USA is best for short-term visitors, students, parents, and business travelers who need essential medical protection in the U.S. Here are the key reasons to choose Patriot America Plus Insurance:
IMG Patriot America plus covers a wide range of medical and travel-related expenses for non-U.S. residents traveling to the USA. The key coverages include:
In the Patriot America Plus travel insurance plan, coinsurance refers to the percentage of eligible medical expenses that the insurance company pays after the deductible has been met.
It’s an important part of how visitor medical insurance for USA travelers shares costs between you (the insured) and the insurance provider.
This means that when you receive treatment within the UnitedHealthcare PPO network, your Patriot America Plus visitor insurance covers all eligible costs once your deductible is paid.
When treated outside the PPO network, the plan still provides generous coverage, ensuring broad protection wherever you travel in the USA.
Choosing a travel insurance plan with strong coinsurance benefits helps minimize your out-of-pocket costs and ensures smoother claims during medical emergencies abroad.
The Patriot America Plus insurance cost per month is starting at just $47 to $790 and the cost depends on:
Older travelers have higher premiums due to increased medical risk. Choosing a higher maximum increases the premium, while a higher deductible lowers it.
Example: Below is the monthly cost of Patriot America Plus insurance of coverage with a $250 deductible, provided by American Visitor Insurance.
| Age of traveler | Medical Maximum | ||||
|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 18 – 29 years | $47 | $60 | $66 | $83 | $96 |
| 30–39 years | $58 | $79 | $93 | $99 | $109 |
| 40 – 49 years | $77 | $94 | $106 | $125 | $139 |
| 50 – 59 years | $128 | $157 | $195 | $221 | $243 |
| 60 -64 years | $164 | $212 | $231 | $289 | $311 |
| 65 – 69 years | $173 | $223 | $279 | $361 | $370 |
| 70 – 79 years | $287 | $434 | Not available | ||
For senior travelers aged 80–99: $790/month for $10,000 coverage with $250 deductible.
Premium is based on deductible factor: Higher deductibles = lower premiums
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.
Adventure Sports Rider is available for individuals up to 65 years of age.
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 participating in adventure activities. The covered adventure sports include: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving, spelunking, and windsurfing.
| Age | Maximum limit |
|---|---|
| 0-49 years | $50,000 certificate period |
| 50-59 years | $30,000 certificate period |
| 60-64 years | $15,000 certificate period |
Groups may purchase the Chaperone/Faculty Leader Replacement Rider or added travel protection.
This rider provides reimbursement of up to $3,000 for a round-trip economy airline ticket for a replacement Chaperone or Faculty Leader if the originally designated individual is unable to travel due to:
Note: This rider is only available with group plans.
The AD&D Rider provides additional financial protection by paying up to $400,000 to you or your beneficiaries if death or dismemberment occurs as a direct result of an accident.
Key Highlights:
Note: This is an optional rider and must be selected during the policy purchase.
Accidental Death & Dismemberment - More Details picture_as_pdf
Device Protection ensures peace of mind by covering your cell phone against unexpected mishaps while traveling.
Whether you're staying connected with loved ones, using maps, or capturing memories, your phone is essential — and this coverage helps you stay digitally connected even if something goes wrong.
Mobile Device Protection - More Details picture_as_pdf
Bolt Device Protection - More Details picture_as_pdf
Available an individual plans U.S. residents only
Should something unexpected happen before or during your trip, this optional rider can help protect you from financial loss by covering:
While all Patriot plans include basic return travel benefits, the Trip Cancellation, Interruption, & Travel Delay Rider offers expanded coverage for unforeseen events.
If you are unable to travel due to a covered reason (such as illness, natural disaster, or other unexpected situations), this rider can reimburse you for up to 100% of prepaid, non-refundable payments or deposits that would otherwise be lost. Protect your travel investment and gain peace of mind before your journey begins.
Inpatient or Outpatient Services:
| Benefit | Limits |
|---|---|
| Teladoc Consultation |
|
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, and medical providers/facilities contracted by IMG to reduce out-of-pocket costs for insured individuals. This insurance offers two PPO network options.
Inside the U.S., visitor insurance with UnitedHealthCare PPO access is a top-tier provider network giving access to numerous doctors and services and making it the best travel medical insurance with UHC PPO network.
Also inside the U.S., First Health International offers a reputable tier-one network of healthcare providers and services.
Using PPO networks when receiving medical care in the U.S. can significantly reduce your out-of-pocket expenses. These networks include highly rated hospitals and certified medical professionals. Your insurance ID card will specify the applicable PPO network. Always verify participation with the provider beforehand, as network affiliations may change.
local_hospital Find PPO Network Providers »American Visitor Insurance has developed user friendly quote comparison tools to help travelers compare prices and benefits of different Patriot America Plus travel insurance plans.
American Visitor Insurance also has resourceful FAQ's, Forums and Blogs based on customer needs, all of which are designed easily and make an informed decision of buying the best Patriot America Plus travel insurance plan for your specific requirements.
American Visitor Insurance's licensed customer support staff with over two decades of travel insurance experience, help customers by providing answers to any queries or concerns while buying Patriot America Plus travel insurance.
The customer support staff located in different time zones both in the East Coast and West Coast of the US are available at all times to help you with the online application process as well as to help customers while filing for Patriot America Plus insurance claims should you need to use the insurance coverage while on your vacation.
Patriot America Plus is a best comprehensive visitor insurance plan rated A- by AM best, designed for non-us citizens visiting the U.S.
This plan is the best option for parents visiting USA, short term international travelers and first time travelers looking for affordable comprehensive coverage during the stay in the US.
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 buy Patriot America Plus insurance online easily through American Visitor Insurance. Just enter your travel details, compare plans, choose your coverage, and complete the purchase in minutes. You’ll get your ID card and policy documents instantly by email.
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 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.
Yes, Patriot America Plus provides best visitor insurance for the acute onset of pre-existing conditions for travelers under the age of 70. This means it covers sudden, unexpected, and urgent medical episodes related to pre-existing conditions that occur unexpectedly during the policy period.
Yes, Patriot America Plus Insurance is accepted in U.S. hospitals. The plan participates in the UnitedHealthcare PPO network, which is one of the largest and most widely recognized networks of doctors and hospitals across the United States. Travelers can visit any doctor or hospital and receive coverage under their Patriot America Plus plan; however, selecting providers within the UnitedHealthcare PPO network is highly recommended to benefit from in-network pricing and 100% coverage of eligible expenses after the deductible.
If treatment is sought outside the PPO network, the plan covers a lower percentage of expenses initially. The plan includes coverage for hospitalization, emergency room visits, urgent care, outpatient services, and more, all accepted by U.S. healthcare providers within this PPO network.
Yes. Patriot America Plus have $50 cancellation fee after the effective date.
Yes, you will be covered by the Patriot America Plus insurance plan if you are traveling to multiple countries, as long as your travel includes the USA and you meet the eligibility criteria. The plan provides coverage for non-U.S. residents visiting the USA, as well as U.S. citizens living abroad and traveling to the USA for a short trip. For more details, check out a Patriot America Plus insurance review.
Yes, you can pay for the Patriot America Plus visitor medical insurance on a monthly basis. This plan offers both daily and monthly rate options, allowing you to purchase coverage from minimum 5 days to maximum of 2 years. The Patriot America Plus plan does not renew automatically. If you need continued coverage, you must manually renew the plan before it expires. You can extend your coverage in either full-month or daily increments. Renewals can be submitted online or by paper application. If you choose to renew for less than one month online, a $5 processing fee will apply.
Yes, IMG Patriot America Plus is one of the best travel insurance option for seniors visiting the USA, especially those under the age of 70. It offers comprehensive coverage for medical emergencies, including the acute onset of pre-existing conditions, which is important for older travelers. With flexible deductible and policy maximum options, Patriot America Plus is considered one of the best visitor insurance plans for seniors traveling to the USA.
To file a claim with Patriot America Plus Insurance, follow these steps:
Download Form
Get claim form online
Call Support
1-800-628-4664
Submit Documents
Mail to International Medical Group, PO Box 240429, Apple Valley, MN 55124, USA.
Email Help
customercare@imglobal.com
Patriot medical insurance is not available for residents of Belarus, Russia, Iran, and Ukraine, and is also not available for travelers visiting these countries.
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The Patriot America Plus Insurance review indicates that it is a suitable plan for many types of travelers visiting the USA due to its comprehensive coverage, flexibility, and additional benefits. It is especially ideal for:
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