Patriot America Plus Group Insurance is comprehensive travel medical insurance for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. Include coverage for medical expenses, emergency medical evacuation, trip cancellation or interruption, lost or stolen baggage, and travel delays. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of five days up to a maximum of two years. Patriot America Plus Insurance covers acute onset of pre-existing conditions, but they are only covered prior to age 70. The traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.Group travel insurance quote »
Greencard holders visiting USA
Acute onset of a pre-existing condition
Best US Immigrant Health Insurance
Patriot America - Provider network and how to find hospital or doctor?
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.Find Provider Network
|Take a quote & purchase for Individual||Patriot America Plus insurance page|
|Insurance provider||International Medical Group (IMG)|
|Patriot America Plus insurance underwriter||Underwritten by Sirius International Insurance Corporation, a White Mountains Insurance Group Company.|
|Insurance rating||“A” (Excellent) by A.M. Best and “A-” by Standard & Poor’s|
|Plan life||5 days up to 12 months Patriot America Plus Insurance can be renewed online maximum up to 24 months.|
|Eligibility||Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.|
|Policy maximum||$50k, $100k, $500k, $1Mk|
|Deductible options||$0, $100, $250, $500, $1k, $2.5k.|
|Coinsurance||In Network: The plan pays 100%
Out of Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.
|Pre-Existing Conditions||Acute onset of pre-existing conditions|
Provide additional coverage for a minimal charge.
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|Compare Patriot travel plans||Compare Patriot Travel Insurance Plans|
|Covid19/SARS-CoV-2 Coverage||Patriot America Plus insurance Offers coverage for Covid19/SARS-CoV-2 as any other Illness or Injury.|
|Eligible medical expenses||Up to the maximum limit|
|Hospital room and board||Average semi-private room rate, including nursing services|
|Surgery||Up to the maximum limit|
|Intensive care unit||Up to the overall maximum limit.|
|Bedside visit||$1.5k maximum limit. Not subject to deductible|
|Supplemental Accident||Maximum limit per covered accident: $300|
|Hospital indemnity||$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible|
|Pre-Certification||50% reduction of eligible medical expenses if pre-certification provisions are not met|
|Physician visits||Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)|
|Urgent Care Clinic||$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible|
|Radiology / X-ray||Up to the maximum limit|
|Walk-In Clinic||$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible|
|Laboratory||Up to the maximum limit|
|Outpatient Surgical / Hospital Facility||Up to the maximum limit|
|Chemotherapy / Radiation Therapy||Up to the maximum limit|
|Physical Therapy||Up to the maximum limit (Medical order or treatment plan required)|
|Pre-Admission Testing||Up to the maximum limit|
|Assistant Surgeon||20% of the primary surgeon’s eligible fee|
|Anesthesia||Up to the maximum limit|
|Prescription Drugs and Medications||Up to the plan maximum limit, may not exceed $250K (Dispensing limit per prescription: 90 days)|
|Reconstructive Surgery||Up to the maximum limit|
|Chiropractic Care||Up to the maximum limit|
|Emergency local ambulance||Up to the maximum limit.|
|Hospital emergency room||Outside the U.S: Up to the maximum limit
Inside the U.S:Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
|Interfacility ambulance transfer||Company pays 100%|
|Emergency eye examination||$150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)|
|Emergency medical evacuation||Up to the maximum limit. Not subject to deductible|
|Emergency reunion||$100k maximum limit. Not subject to deductible|
|Return of mortal remains or cremation/burial||Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible|
|Return of minor children||$100k maximum limit. Not subject to deductible|
|Political evacuation and repatriation||$100k maximum limit. Not subject to deductible|
|Natural disaster evacuation||$25k maximum limit. Not subject to deductible (Must be approved in advance by the company)|
|Natural disaster||$250 per day and maximum limit of five days for accommodations. Not subject to deductible.|
|Return travel||$10k maximum limit. Not subject to deductible|
|Small Pet Common Air Carrier Accidental Death||$500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person)|
|Identity theft||$500 maximum limit. Not subject to deductible|
|Terrorism||$50k maximum limit. Not subject to deductible|
|Lost luggage||$50 per item, $500 maximum limit. Not subject to deductible|
|Extended care facility||Up to the maximum limit|
|Pet return||$1K maximum limit. Not subject to deductible|
|Durable medical equipment||Up to the maximum limit|
|Extended care facility||Up to the maximum limit|
|Personal liability||$25k combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property|
It is a short term travel health insurance for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers.
The plan covers acute onset of pre-existing conditions, but they are only covered prior to age 70 and are subject to the language in the insurance plan.
The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).
Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.
Activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking or whitewater rafting in water less than Class V difficulty, wildlife safaris, and windsurfing.
Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
Available for those 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.
|0-49 years||$50k certificate period|
|50-59 years||$30k certificate period|
|60-64 years||$15k certificate period|
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3K for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
The AD&D rider will pay you or your beneficiaries up to $400K if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Available in select countries on individual plans only
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in th e world.
Available an individual plans for U.S. residents only
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.
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