IMG Patriot America Plus Travel Insurance for USA Visitors
Patriot America Plus Insurance is one of the best visitor insurance plans for travelers visiting the USA who need acute onset pre-existing condition coverage. The plan is designed for non-U.S. residents, parents visiting children in America, senior travelers under age 70, B1/B2 visa visitors, and long-stay international travelers. This plan is especially popular among Indian parents visiting the USA, senior travelers, tourists, and families looking for affordable visitor health insurance with emergency protection for unexpected medical situations - with plans available from as low as $1/day depending on age, coverage amount, and travel duration.
What Is IMG Patriot America Plus Travel Insurance?
IMG Patriot America Plus is a comprehensive visitor travel medical insurance with pre-existing conditions coverage designed for non-U.S. residents visiting the USA. It provides coverage for unexpected illness, injuries, hospitalization, emergency medical evacuation, repatriation, and accidental death and dismemberment while traveling in the United States.
- Ideal for visitors to the USA, parents visiting children in the U.S., and seniors
- Access to ID card and documents online after purchase
- 24/7 customer service and support available
- Best visitor insurance with pre-existing medical coverage: Covers acute onset of pre-existing conditions under age 70
Best price guaranteed · Instant coverage
IMG Patriot America Plus Visitor Insurance With Acute Onset of Pre-Existing Condition Coverage
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.
Here's What You're Covered For- Coverage for the acute onset of pre-existing conditions up to the policy maximum (for travelers under age 70).
- Emergency medical evacuation related to pre-existing conditions, up to $25,000.
- Comprehensive benefits covering doctor visits, hospital stays, and prescription drugs.
- Coinsurance: 90% coverage after deductible within PPO network (first $5,000), and 80% outside network.
- Covers urgent care benefit up to $25 copay.
Patriot America Plus is also available as a IMG Group Visitor Medical Insurance with a 5% discount for group enrollments.
Why Should I Buy Patriot America Plus Travel Insurance?
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:
- Best visitor insurance with pre-existing medical coverage: Covers Acute onset of pre-existing condition up to policy maximum under age 70, Up to $25,000 lifetime maximum for emergency medical evacuation, making it ideal for travelers with known health concerns.
- Affordable comprehensive coverage: Provides coverage for new and unexpected medical conditions, including physician visits, hospital stays, and emergency services. Eligible expenses are covered after the deductible and coinsurance, helping travelers manage costs.
- Emergency medical evacuation: Covers emergency evacuation up to the policy maximum to the nearest appropriate facility in case of life-threatening illness or injury, ensuring critical support when needed.
- Urgent care coverage: Visits to an urgent care clinic are covered with only a $25 copay, making it an affordable option for non-emergency medical needs.
- Adventure sports coverage: Patriot America Plus offers optional coverage for adventure sports and recreational activities, providing protection for injuries and illnesses that may occur while participating in eligible sports.
- Direct billing: Policyholders may access care through the UnitedHealthcare PPO and First Health PPO networks within the U.S. These networks allow direct billing and help reduce out-of-pocket costs when using in-network providers.
- Eligibility for U.S. Citizens and Green Card Holders: Patriot America Plus can also be purchased by U.S. citizens or Green Card holders who are living abroad and need coverage while visiting the United States.
- Flexible coverage duration: Plan can be purchased for as little as 5 days up to 365 days, with the option to extend coverage if travel plans change. This plan can be renewed for up to 24 months.
Who Is Eligible for Patriot America Plus Travel Insurance Plan?
- check_circle For non U.S residents traveling internationally, including the USA.
- check_circle For U.S citizens living abroad and visiting the USA for a short trip.
- check_circle Coverage begins once the policyholder has left their home country and is in transit to or has entered one of the eligible destination countries.
- check_circle For ages 14 days to 99 years.
- check_circle Coverage for minimum 5 days to maximum up to 365 days.
- check_circle Extendable for up to 365 days.
- check_circle Temporary coverage for green card holders visiting the USA for a short trip.
- check_circle Eligible for Student Visa holders who do not have specific health insurance requirements to meet.
- check_circle Plan can be purchased after arrival at the destination.
How Much Does Patriot America Plus Insurance Cost?
The cost of Patriot America Plus Insurance ranges from $50 to $790 per month, depending on the traveler’s age, selected plan maximum, and deductible.
The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | Medical Coverage | ||||
|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | |
| 18 - 29 years | $50 | $62 | $68 | $86 | $98 |
| 30 - 39 years | $59 | $80 | $93 | $100 | $110 |
| 40 - 49 years | $77 | $95 | $107 | $126 | $145 |
| 50 - 59 years | $129 | $159 | $197 | $223 | $246 |
| 60 - 64 years | $174 | $223 | $298 | $324 | $355 |
| 65 - 69 years | $202 | $254 | $307 | $361 | $407 |
| 70 - 79 years | $303 | $438 | Not available for this age group | ||
| 80 - 99 years | $790/month $10,000 max only, $250 deductible | ||||
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Deductible Adjustment Factors
Multiply the base rate above by the factor for your chosen deductible:
Who Should Buy IMG Patriot America Plus Insurance for USA Visitors?
- check_circle Parents visiting the USA looking for reliable visitor medical insurance
- check_circle Seniors visiting the USA who need comprehensive travel medical coverage
- check_circle Indian parents visiting America seeking trusted USA visitor insurance
- check_circle B1/B2 visa holders traveling to the United States
- check_circle Travelers needing acute onset coverage for pre-existing conditions
- check_circle Visitors looking for access to a large PPO network in the USA
- check_circle International travelers wanting comprehensive visitor insurance
- check_circle Tourists seeking emergency hospitalization and urgent care coverage
- check_circle Visitors planning both short-term and long-term stays in the USA
When NOT to Buy Patriot America Plus Travel Insurance?
- check_circleNot ideal for travelers above 80 years old, as premiums may become high and alternative senior-focused plans may offer better value
- check_circleNot suitable for chronic or ongoing treatment needs, since it only covers acute onset of pre-existing conditions, not routine care
- check_circleNot ideal for seniors with complex medical conditions Not ideal for seniors with serious medical conditions like advanced heart disease or uncontrolled diabetes.
- check_circleNot ideal for travelers expecting regular medication refills or follow-up treatments in the USA, as these are generally excluded
- check_circleNot the best option for those seeking full pre-existing condition coverage, since coverage is limited to sudden emergencies only
- check_circleMay not be cost-effective for very long stays with older age groups, where specialized long-term visitor plans can offer better pricing or benefits
What Does Patriot America Plus Travel Medical Insurance Cover?
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:
- Medical Expenses: Hospitalization, physician office visits, outpatient surgery, urgent care, diagnostics (X-rays, labs), prescription drugs, and local ambulance services.
- Acute Onset of Pre-Existing Conditions: Coverage for sudden and unexpected acute episodes of non-chronic pre-existing conditions for travelers under 70 years of age.
- Emergency Medical Evacuation and Repatriation: Up to policy limits for medically necessary transport and repatriation of remains.
- Emergency Room Services and Walk-In Clinic Visits: With $25 copay for urgent care and $15 for walk-in clinics, no deductible applies to these services.
- Accidental Death & Dismemberment (AD&D): Benefits payable in case of death or dismemberment from an accident.
- Emergency Dental Coverage: For accidental injury to natural teeth.
- Multilingual 24/7 Travel Assistance: Support services including travel and medical assistance.
- Flexible plan periods: Coverage available for 5 days to 364 days, renewable up to 2 years.
What is NOT Covered in Patriot America Plus Insurance
Patriot America Plus is a visitor medical insurance plan, so it excludes many routine, preventive, and long-term medical needs. Here are the major exclusions:
- Pre-Existing Condition Treatment (Routine Care)
- Pregnancy & Maternity
- Preventive & Routine Care
- Chronic & Long-Term Treatment
- Sports & High-Risk Activities
- Non-Emergency / Long-Term Treatment
Best Travel Insurance for Indian Parents Visiting the USA
Travel insurance for Indian parents visiting the USA is important because medical care in the United States is extremely expensive compared to India. Even a small medical emergency can lead to high hospital bills, making visitor insurance for USA travel essential for financial protection during their stay.
Indian families looking for the best travel insurance for parents visiting USA choose plans like IMG Patriot America Plus insurance due to its strong emergency medical coverage, access to a large U.S. PPO network, and protection against sudden illnesses during travel.
This USA visitor medical insurance for parents is commonly used for elderly travelers who may need emergency medical attention or hospitalization during their visit to the United States.
- check_circle Emergency medical and hospitalization coverage in the USA
- check_circle Coverage for acute onset of pre-existing conditions (as per policy terms)
- check_circle Access to a wide U.S. PPO hospital network for visitors
- check_circle Flexible deductible options for better cost control
- check_circle Protection under travel insurance for Indian parents visiting USA B1/B2 visa
Visitor Insurance for Parents Over 65 Visiting the USA
Visitor insurance for parents over 65 visiting the USA is essential because healthcare costs in the United States are extremely high and medical risks increase with age. Choosing the best medical travel insurance for senior citizens visiting USA helps ensure financial protection during unexpected medical emergencies.
Many families prefer visitor insurance for elderly parents visiting USA such as IMG Patriot America Plus insurance, as it provides strong emergency medical coverage and protection against sudden illnesses during travel.
However, coverage for pre-existing conditions is typically limited to acute onset of pre-existing conditions, making it more suitable for seniors with stable or well-controlled health conditions.
For this reason, it is important to carefully compare USA travel medical insurance for parents over 65 before purchasing a plan.
Best suited for:- Parents aged 60-75 years (ideal age range for most visitor insurance plans)
- Seniors looking for USA visitor insurance for Indian parents
- Travelers with controlled conditions such as diabetes or hypertension
- Short-term or long-term travel insurance for parents visiting USA on B1/B2 visa
Important note:
For parents above 70–75 years of age or those with complex medical conditions, it is recommended to compare different senior citizen travel insurance for USA visitors to find better coverage options based on age and health needs.
Pros & Cons of Patriot America Plus Travel Medical Insurance
Patriot America Plus advantages
9 benefitsAffordable premiums compared to comprehensive plans, making it ideal for budget-conscious visitors
Coverage available from just 5 days up to 364 days, with renewability for up to 2 years
Access to the UnitedHealthcare and FirstHealth PPO networks nationwide
Meets J1, J2, F1, F2, M1, M2, and A visa insurance requirements
Flexible deductibles ranging from $0 to $2,500 allow for premium customization
Available for individuals, families, and groups of 5 or more
Optional adventure sports rider available for active travelers (up to age 65)
Can be purchased even after arrival in the U.S. (within 30 days for ages 65+)
Underwritten by SiriusPoint Specialty Insurance Corporation, rated A by A.M. Best
Patriot America Plus disadvantages
7 limitsAcute onset of Pre-existing coverage not available beyond 70 years
COVID-19 is not covered under the Lite plan
Limited maximum coverage for seniors aged 80+ (only $10,000)
Not available to residents of, or travelers visiting, Belarus, Russia, or Ukraine
Applicants must not be HIV-positive, pregnant, hospitalized, or disabled on the policy start date
A $50 cancellation fee applies if the policy is cancelled after the start date
Lower coverage limits compared to Patriot Platinum America (which offers coverage up to $8 million)
Real-World Scenarios: Would Patriot America Plus Cover You?
Medical emergencies can happen unexpectedly while visiting the USA. Here are some realistic situations where IMG Patriot America Plus visitor insurance may — or may not — provide coverage for international travelers.
Emergency hospitalization in the USA
A visitor from India develops severe chest pain during a family trip to Texas and is admitted to a hospital for emergency cardiac evaluation and treatment.
✓ Covered - eligible hospitalization and emergency medical treatment during covered travelRoutine diabetes follow-up visit
A traveler schedules a regular physician appointment in the USA to monitor diabetes and refill ongoing prescription medication.
✗ Not covered - routine care and maintenance treatment for pre-existing conditions are excludedSudden asthma attack while visiting family
A 62-year-old traveler with a history of asthma experiences a sudden severe attack requiring urgent emergency room treatment.
✓ Covered - acute onset of pre-existing conditions may be eligible for coverageSlip-and-fall accident at a hotel
A tourist slips in a hotel lobby in New York, injuring their ankle and requiring X-rays, urgent care treatment, and follow-up evaluation.
✓ Covered - new accidental injury during the policy periodLong-term cancer treatment in the USA
A traveler seeks ongoing chemotherapy sessions and specialist consultations in the United States for a previously diagnosed cancer condition.
✗ Not covered - ongoing treatment and chronic pre-existing conditions are generally excludedEmergency medical evacuation
A visitor suffers a serious medical emergency in a remote area and requires emergency transportation to the nearest appropriate medical facility.
✓ Covered - eligible emergency medical evacuation benefit included in the planHow Patriot America Plus Works?
Understanding visitor medical insurance becomes easier with a real-world example. Suppose a parent visiting the USA suddenly develops a serious illness and requires emergency hospitalization and medical treatment during the trip. Here’s how IMG Patriot America Plus insurance may help cover eligible medical expenses.
| Service | Medical bills | Plan pays | You pay |
|---|---|---|---|
| Emergency room visitSubject to deductible and eligible expenses | $1,500 | $1,250 | $250 |
| Deductible Paid once per policy period | $250 | $0 | $250 |
| Hospital stay (3 nights) Eligible inpatient hospitalization expenses | $9,800 | $9,800 | $0 |
| Diagnostic tests & CT scan Covered diagnostic services | $1,400 | $1,400 | $0 |
| Prescription medication Eligible short-term prescriptions | $220 | $220 | $0 |
| Emergency medical evacuation Transport to nearest qualified medical facility | $15,000 | $15,000 | $0 |
| Total | $28,170 | $27,670 | $500 |
Comprehensive visitor insurance: Patriot America Plus generally covers eligible medical expenses after the deductible, up to the selected policy maximum. Access to the UnitedHealthcare PPO network may help reduce out-of-pocket costs and simplify claims processing within the USA.
Deductible applies once
The selected deductible is generally paid once per policy period before eligible medical benefits begin.
Acute onset coverage included
Patriot America Plus may cover eligible emergency treatment for sudden acute onset of pre-existing conditions.
Built for USA visitors
Designed for international travelers and parents visiting the United States who need temporary medical coverage.
PPO Networks - Finding a Doctor
Using an in-network provider means the plan pays 100% after your deductible. Out-of-network, the plan pays 90% up to $500 then 100%.
The primary network for US care. One of the nation's largest PPO networks with access to thousands of board-certified doctors and hospitals nationwide.
search Find a UHC Doctor
Secondary network option with strong nationwide provider access. Your ID card will indicate which network applies.
search Find a First Health Doctor
Patriot America Plus Insurance - FAQs
- Offers coverage for acute onset of pre-existing conditions (for travelers under age 70 years)
- COVID-19 coverage as any other eligible medical condition
- Access to the UnitedHealthcare PPO network for direct billing
- Flexible options for choosing coverage duration, policy maximum and deductibles
Why Should I Buy Patriot America Travel Insurance on American Visitor Insurance?
American Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
Easy Plan Comparison and Purchase: You can buy Patriot America Plus Insurance online through American Visitor while reviewing plan details, understanding coverage options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.
Helpful Resources for Better Decisions: We offer detailed FAQs, blog and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
Experienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right IMG plan.
Support When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
Licensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).
Conclusion: Is Patriot America Plus the Right Plan for You?
- check_circle Non-U.S. residents visiting the USA for short-term stays, such as parents, relatives, tourists, students, and business travelers.
- check_circle Travelers under the age of 70 who want coverage for the acute onset of pre-existing conditions, giving peace of mind for unexpected medical emergencies related to pre-existing health issues.
- check_circle Those seeking a plan with a robust maximum coverage limit (ranging from $50,000 to $1,000,000) and flexible deductible options ($0 to $2,500) to tailor the premium cost to their budget.
- check_circle Visitors looking to access the UnitedHealthcare PPO network, which offers extensive coverage with providers and hospitals across the U.S., minimizing out-of-pocket expenses.
- check_circle Travelers who want COVID-19 testing and treatment covered just like any other illness.
- check_circle People who value 24/7 multilingual travel assistance, emergency medical evacuation, accidental death and dismemberment coverage, and optional riders for adventure sports or trip cancellation.
- check_circle Those who prefer an easy online application process without medical exams and the ability to purchase coverage for as short as 5 days up to two years with renewal options.
- check_circle Seniors below 80 years who need visitor insurance with pre-existing condition benefits, although alternatives might be needed for those above 80 as coverage limits and benefits reduce.