IMG Patriot America Plus Insurance by IMG, International Medical Group popular visitor health insurance with pre-existing coverage for international travel

IMG Patriot America Plus pre-existing condition travel insurance

Traveling to another country can involve paperwork for passports and visa. Travel health insurance or visitor health insurance has now become an very important requirement for international travel.

Travel insurance can be purchased with ease online. The absence of adequate travel health insurance can make your trip a nightmare while having one can make your trip an enjoyable experience.

One never knows when a medical condition can occur while you are outside your home country in a new place, new people, new culture.

There are several private insurance companies in the market offering visitor health insurance plans for people visiting other countries including the US. There are two kinds of plans Fixed or scheduled benefits vs Comprehensive insurance. Here is a review of one of the most popular comprehensive plan for visitors to US.

Patriot America Plus visitor insurance plan offered by International Medical Group (IMG) is a comprehensive visitor health insurance plan for Non US citizens visiting US.

This plan has a benefit where it covers the acute onset of pre-existing condition for people below 70 years up to the medical maximum for preexisting conditions(medical) and up to $25,000 for pre existing condition emergency medical evacuation.

This plan like other comprehensive plans has a coinsurance quotient where the plan pays 90% of the expense after the deductible up to the first $5000 of expense when the insured goes to a facility within the PPO network.

Outside PPO network the plan pays 80% of expense after deductible up to the first $5000 of expense. First health network is the PPO network of IMG and this is the network for this plan. The plan has maximum lifetime of 2 years up to which the plan can be renewed.

IMG Patriot America Plus visitor Insurance:

Travelers under the age of 65 must purchase this plan within 6 months after arriving in the US and for people above age 65, they must purchase this plan within 30 days after arriving in the US. An incidental home country coverage of cumulative 2 weeks is also available.
Optional riders that can be purchased on this plan are:

Adventure sports rider
Enhanced AD&D rider
Evacuation Plus rider
Chaperone/Faculty Leader Replacement Rider (avaliable on group plans)

Patriot America Plus plan is available as a group plan as well. The Patriot America Plus brochure provides the rates for both individual plan as well as the group plan.

View benefits Brochure BUY ONLINE

Patriot America Plus Insurance Review, Patriot America Plus Reviews

Policy maximum
$50k $100k $500k $1M

Deductible options
$0 $100 $250 $500 $1k $2.5k

Insurance provider
International Medical Group

Patriot America Plus insurance rating
“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s

Patriot America Plus insurance underwriter
Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.

Plan life - 5 days to 12 months.
Patriot America Plus Insurance can be renewed online maximum up to 24 months.

Coinsurance

Patriot America Plus In Network - The plan pays 100%

100%

Patriot America Plus Out of Network

80%

The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

Compare Patriot travel plans
Compare Patriot Travel Insurance Plans

Age of traveler	Maximum of $50K	Maximum of $100K	Maximum of $500K	Maximum of $1M	Maximum of $10K
60 - 64 years	$160	$209	$311	$325	N/A
65 - 69 years	$183	$234	N/A	N/A	N/A
70 - 79 years	$273	N/A	N/A	N/A	N/A
80 - 99 years	N/A	N/A	N/A	N/A	$732.26

Age of traveler

Maximum of $50K

Maximum of $100K

Maximum of $500K

Maximum of $1M

Maximum of $10K

60 - 64 years

$160

$209

$311

$325

N/A

65 - 69 years

$183

$234

N/A

70 - 79 years

$273

N/A

80 - 99 years

N/A

$732.26

Patriot America Plus Travel Insurance - Common Questions

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.

Patriot America Plus 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 America Plus America 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.

The cost of Patriot America Plus 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, $500k, $1M depending on the age of traveler. To get a quote Click here.

To buy the Patriot America Plus 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 get the quotes and make an instant purchase of Patriot America Plus travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.

Patriot America Plus 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.

The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot America Plus Insurance plan provides coverage for US citizens traveling outside the US.

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.

Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.

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 $5,000, then 100% up to the maximum limit.

For detailed working example of how it works, you can review Patriot America Plus insurance working example.

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.

Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.

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.

Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.

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. Click here to know more.