Patriot America Plus visitors travel insurance for USA, IMG Patriot America Plus Insurance with pre-existing conditions coverage

Patriot America Plus Travel Insurance for US Visitors

Patriot America Plus insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. Patriot America Plus US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.

Underwritten by Sirius International Insurance Group with a rating of “A” is most popular visitor medical insurance among international travelers visiting USA. US citizens living abroad and visiting USA can also buy Patriot America Plus travel medical insurance.This plan offers coverage from 5 days to 364 days.

Key Benefits of Patriot America Plus Insurance

Acute onset of a pre-existing condition

Comprehensive Coverage

Emergency medical evacuation

Urgent Care Clinic

Renewability

United Health Care PPO

Patriot America Plus Insurance 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.

Patriot America Plus Visitor Insurance Links

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Detail Description
Group insurance
Comprehensive
COMPREHENSIVE PLAN
Comprehensive plan provides exhaustive coverage when compared to fixed or scheduled benefit plans. The plan pays for all expenses after the deductible and co-insurance component. The plan is recommended given the high costs of health care arouond the world. The plan is worth every penny of premium paid in the event of catastrophic medical emergencies.

These plans do not have benefit limits based on the type of medical expense.

Benefits for covered medical expenses go all the way up to the plan maximum (less deductible and co-insurance)

Patriot America Plus travel Insurance - Key Highlights

This is comprehensive travel insurance by IMG and is similar to the Patriot America Lite with the difference in the benefit that covers acute onset of pre-existing conditions up to the age of 70
Maximum Limits from $10,000 to $1,000,000.
Short-term travel medical insurance for non-U.S. individuals, families, and groups from 5 days to 2 years.
The plan offers a benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used (when the $0 deductible is selected.)
US citizens and Non US citizens living abroad can buy this plan for visiting the US for short while.
Plan is renewable for up to 2 years.
Plan is suitable for Green Card holders as long as they reside outside the US.

IMG Patriot America Plus Visitors Insurance Summary

Patriot America Plus insurance Eligibility

Non US citizens travelling to the USA.
For ages 14 days to 99 years
Coverage for minimum 5 days to maximum up to 365 days
International travelers requiring continuing coverage.
US citizens living outside USA who want to visit US. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
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.

Coinsurance of IMG Patriot America Plus Insurance

For treatment received outside the U.S : No coinsurance.
For treatment received within the U.S :
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5k, then 100% up to the Maximum Limit.

Patriot America Plus travel insurance coverage for Acute onset of a pre-existing condition

Under 70 years of age
- Up to period of coverage maximum limit.
Acute onset of a pre-existing condition - Emergency medical evacuation

Under 70 years of age: $25k maximum limit.

Patriot America Plus Travel insurance optional riders

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
Chaperone/Faculty Leader Replacement Rider
Accidental Death & Dismemberment
Bolt Device Protection (Cellular Phone Rider)
Trip Cancellation, Interruption and Travel Delay Rider

Click here to read more »

Patriot America Plus - UnitedHealth Care Travel insurance PPO network

Patriot America Plus - Does united healthcare cover US travel and how to find hospital or doctor?

IMG maintains when inside the U.S., the UnitedHealthcare Options network which is a longstanding reputable tier one network that gives you more access to more doctors and services.

If you purchase Patriot America Plus insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."

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Plan benefits of Patriot America Plus insurance

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 dental treatment	$300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%

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

Acute Onset of Pre-Existing Conditions	Up to the maximum limit.(Insured person must be under 70 years of age)
Pre-Existing condition medical evacuation	$25k maximum limit for emergency medical evacuation

Accidental death & dismemberment	$50k principal sum. Not subject to deductible
Common carrier accidental death	$25k per insured child, $100K per insured adult, $250k maximum limit per family. 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
Telehealth	Optional add-on available

Patriot America Plus Insurance Optional Riders

The Traveler can purchase an optional rider at the time of application. The optional riders provide additional coverage for a minimal charge.

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.

Age	Maximum limit
0-49 years	$50k certificate period
50-59 years	$30k certificate period
60-64 years	$15k certificate period

Adventure Sports Rider - More Details

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)

Chaperone Replacement Rider - More Details

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.

Accidental Death & Dismemberment - More Details

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.

Mobile Device Protection - More Details

Bolt Device Protection - More Details

Available an individual plans fa-solid 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.

Insured Person meets the eligibility requirements, they are eligible for this rider

Inpatient or Outpatient Services:

Benefit	Limits
Teladoc Consultation	Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance.

Teladoc rider - More Details
Teladoc global rider - More Details
Teladoc registration instructions - More Details

Patriot America Plus Insurance Restrictions

Patriot America Plus Insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.

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Patriot America Plus Insurance cost per month for Seniors

The cost of Patriot America Plus insurance for seniors is dependent on the following factors the age of the traveler,the plan maximum 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 traveller up to age of 64. $50k and $100k coverage is available for people age 65 to 79 years. For above 80 years $10,000 is available.

For Example here we are showing price for one month with deductible of $100.

Age of traveler	Maximum of $10K	Maximum of $50K	Maximum of $100K	Maximum of $500K	Maximum of $1M
60 - 64 years	Not Available	$160	$209	$311	$325
65 - 69 years	Not Available	$183	$234	Not Available	Not Available
70 - 79 years	Not Available	$273	Not Available	Not Available	Not Available
80 - 99 years	$732.26	Not Available	Not Available	Not Available	Not Available

Patriot America Plus 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 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 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.

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.

For insured travelers till the age of 70, the coverage is up to the policy maximum. For emergency medical evacuation, the limit is $25K.
Any treatment must be within 24 hours of the reoccurrence of the pre-existing condition.
The insured must not be traveling against medical recommendation, or for the purpose of treatment for the pre-existing condition.
The pre-existing condition must be stable for at least 30 days before the effective insurance start date.

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.

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.

Patriot America Plus Claims Information

Download Patriot America Plus claims form

Toll Free Number
1-800-628-4664

Claims Department
International Medical Group P.O.Box 9162 Farmington Hills, MI 48333
Email: customercare@imglobal.com
Know more about IMG Claims »

Popular IMG Patriot Travel Medical Insurance Plans

These Patriot travel medical insurance plans are ideal for traveling outside of your home country.

Insurance Plans	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
Ideal for	US citizens visiting USA	Acute onset of pre-existing conditions	First-class medical coverage
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%
Acute Onset of Pre-Existing Conditions
Travel Intelligence
Telehealth	Optional add-on available	Optional add-on available
Evacuation Plus
	Brochure	Brochure	Brochure
	Buy Online	Buy Online	Buy Online

Insurance Plans	Patriot International Lite	Patriot Platinum International
Maximum Limit	Up to $1M	Up to $8M
Deductible	$0 to $2,500	$0 to $25K
Ideal for	Schengen visa	First-class medical coverage
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
Telehealth	Optional add-on available
Evacuation Plus
	Brochure	Brochure
	Buy Online	Buy Online