Patriot America Plus insurance

Best comprehensive travel insurance for Non US citizens travelling to the USA.

Patriot America Plus insurance cost

Age & Citizenship
Destinations
Start Date
End date
Are you traveling in Groups?

Get quotes for Patriot America Plus Group insurance!

Patriot America Plus – Coverage for acute onset of Pre-existing Conditions

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 Insurance.

Key benefits of Patriot America Plus Insurance

Greencard holders visiting USA

Comprehensive plan

Acute onset of a pre-existing condition

PPO network

Renewability

Best US Immigrant Health Insurance

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

Patriot America Plus Visitor Insurance Links

  • Brochures
  • Detail Description
  • Benefits
  • Advantages
  • Disadvantages
  • Group insurance
  • Reviews
  • Claims
  • Comprehensive coverage
Key Highlights of Visitors Care

Patriot America Plus travel Insurance - Key Highlights

  • This is comprehensive travel insurance by IMG and is similar to the Patriot America with the difference in the benefit that covers acute onset of pre-existing conditions up to the age of 70
  • 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.

International Medical Group Patriot America Plus visitors insurance


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.

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 »

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 - PPO network

Patriot America Plus - Provider network and how to find hospital or doctor?

United Healthcare Provider Network

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

Steps to buy travel insurance


Complete the quote form by entering your travel information

Review the best insurance plans of reliable US providers

Compare travel insurance plans based on price and benefits

Select the best travel insurance for your needs and buy it online
Get quotes for Patriot America Plus travel insurance!

Review and compare the best Patriot America Plus visitor medical insurance quotes.

Compare Patriot America Plus insurance quotes »

Plan benefits of Patriot America Plus insurance

  • 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 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
Need Help
NEED HELP?
Contact our customer service team
We are here to help you!

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 $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

Patriot America Plus travel Insurance - Common Questions

01. What is acute onset of pre-existing condition?

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.

02. Does Patriot America Plus insurance cover Covid?

Patriot America Plus insurance incudes Covid coverage for eligible medical expenses resulting from Covid19 up to the medical maximum.

03. What is Patriot America Plus insurance?

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.

04. What are the benefits of Patriot America Plus insurance?

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.

05. How much does Patriot America Plus cost per month in USA?

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.

06. What are the requirements for purchasing Patriot America Plus insurance?

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.

07. How do I purchase Patriot America Plus insurance?

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.

08. What is the coverage area of Patriot America Plus insurance?

Patriot America Plus insurance provides coverage worldwide except in your country of citizenship.

09. What are the different types of patriot insurance?

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.

10. Can I buy Patriot America Plus insurance after my arrival in 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.

11. Does Patriot America Plus Insurance cover pre-existing conditions?

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

12. How does Patriot America Plus insurance offer coverage for medical expenses?

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.

13. Can US citizens buy Patriot America Plus insurance?

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.

14. How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?

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

15. I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?

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.

16. Does IMG sell Cancel for Any Reason Insurance?

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

17. Does Patriot America Plus offer pre-existing condition coverage?

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.

18. Will the Patriot America Plus plan provide coverage if I am visiting multiple countries?

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.

19. What is the waiting period for the Patriot America Plus plan?

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.

20. Does Patriot America Plus insurance covers Adventure sports?

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.

International Travel Insurance by IMG

  • Insurance Plans Patriot America Lite
    Patriot America Lite
    Patriot America Plus
    Patriot America Plus
    Patriot America Platinum
    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
    Brochure Brochure Brochure
    Buy Online Buy Online Buy Online
  • Insurance Plans Patriot International Lite
    Patriot International Lite
    Patriot International Platinum
    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
    Covid19 Coverage
    Acute Onset of Pre-Existing Conditions
    Travel Intelligence Not Applicable
    Telehealth Not Applicable
    Evacuation Plus Not Applicable
    Brochure Brochure
    Buy Online Buy Online

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.

Expand your coverage, select your coverage options with add on benefits

01. Patriot America Plus Insurance Adventure Sports Rider

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

02. Chaperone/Faculty Leader Replacement Rider

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  

03. Enhanced Accidental Death & Dismemberment Rider AD&D Rider

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  

04. Mobile Device Protection

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  

05. Trip Cancellation, Interruption and Travel Delay Rider

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.

Disclaimer:

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.

Top nationalities who buy Patriot America Plus Travel Insurance

Resourceful links for IMG Patriot Travel Insurance

Patriot America Plus Insurance FAQ

Frequently asked questions and answer about travel insurance plans.

Read more »

Patriot America Plus Insurance blog

IMG popular travel health insurance plan with pre-existing coverage

Read more »

Patriot America Plus insurance forum

Customer queries about Patriot America insurance plan

Read more »

IMG trip cancellation plans

Compare and review benefits of IMG trip plans

Read more »

IMG visitors insurance related links

Compare quotes of Patriot America Plus plan with other insurance plans: