Get quotes for Patriot America Plus Group insurance!
Greencard holders visiting USA
Acute onset of a pre-existing condition
Best US Immigrant Health Insurance
Patriot America Plus - 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
The Patriot America Plus covid insurance includes COVID19 coverage up to the policy maximum.
|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|
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 insurance incudes Covid coverage for eligible medical expenses resulting from Covid19 up to the medical maximum.
Patriot America Plus is an A- rated comprehensive Travel Medical insurance plan that provides medical coverage and other covered travel and emergency services for visitors to the U.S during their travel and temporary stay outside of their home country. The coverage duration is available from 5 days to 365 days.
Patriot America Plus is a travel medical insurance plan offered by International Medical Group (IMG) that addresses the insurance needs of non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States.
Patriot America insurance provides coverage for medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more. 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 cost of Patriot America Plus 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 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 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 insurance provides coverage worldwide except in your country of citizenship.
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 Platinum 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 $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.
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, IMG’s Patriot America Plus offers pre-existing condition coverage for non-U.S. residents traveling to the USA, but only for acute onset of pre-existing conditions. This means that the condition must be sudden and unexpected, and require urgent medical care. The coverage is limited by age and other conditions and restrictions.
You can find more information about Patriot America Plus pre-existing condition coverage on American Visitor Insurance.
Yes, you will be covered by Patriot America Plus plan if you are traveling to multiple countries, as long as your travel includes the USA and you meet the eligibility criteria for the plan. The Patriot America Plus provides coverage for non-U.S. residents visiting the USA, as well as for U.S. citizens living abroad and traveling to the USA for a short trip.
There is no waiting period of travel medical insurance coverage in the Patriot America Plus insurance by IMG. The earliest you can start a policy is the following day after you apply on American Visitor Insurance. The plan will cover you for any new sickness or illness that starts after the policy has started, subject to the terms and conditions of the insurance. However, please note that the plan will not cover pre-existing conditions, unless it is an acute onset of a pre-existing conditions and meets the clearly defined criteria.
Patriot America Lite
Patriot America Plus
Patriot America Platinum
|Maximum Limit||Up to $1M||Up to $1M||Up to $8M|
|Deductible||$0 to $2,500||$0 to $2,500||$0 to $25K|
|Extensions||24 months||24 months||36 months|
|Emergency Medical Evacuation||$1M||$1M||Up to maximum limit|
|Coinsurance (In Network)||100%||100%||100%|
|Coinsurance (Out of Network)||80% up to $5K - then 100%||80% up to $5K - then 100%||90% up to $5K - then 100%|
|Covid19 Coverage||Not Applicable|
|Acute Onset of Pre-Existing Conditions||Not Applicable|
|Travel Intelligence||Not Applicable||Not Applicable|
|Telehealth||Not Applicable||Not Applicable|
|Evacuation Plus||Not Applicable||Not Applicable|
|Buy Online||Buy Online||Buy Online|
Patriot International Lite
Patriot Platinum International
|Maximum Limit||Up to $1M||Up to $8M|
|Deductible||$0 to $2,500||$0 to $25K|
|Extensions||24 months||36 months|
|Emergency Medical Evacuation||$1M||Up to maximum limit|
|Coinsurance||100% up to the maximum limit||100% up to the maximum limit|
|Incidental Emergency in the U.S.||Up to 2 weeks||Up to 2 weeks|
|Acute Onset of Pre-Existing Conditions|
|Travel Intelligence||Not Applicable|
|Evacuation Plus||Not Applicable|
|Buy Online||Buy Online|
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 far 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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Need coverage for the IMG acute onset of pre-existing conditions insurance?
It is best suited for travelers expecting first-class medical coverage.
Provides coverage for for foreign residents as visitors to the USA.