For new policies starting after March 11, 2020, there is no coverage for COVID-19 disease. The World Health Organization (WHO) in announcing coronavirus as a pandemic has designated the entire world a “level 3” travel zone. Since the coronavirus and COVID-19 is now a known threat (not an unknown possibility), it will no longer be covered by IMG policies. However, if your IMG policy had already started prior to the March 11th announcement and it was NOT to travel into a level 3 travel area (at the time of travel), you will be covered for COVID-19 and that coverage will continue on renewals to that policy.
Most of our travel medical plans provide coverage* for COVID-19 related care if you have purchased and entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.. Eligible Medical Expenses that may be considered for coverage include, but are not limited to, charges for illness, injury or medical evacuation.
There is no coverage* if you have not departed your Home Country/Country of Residence and not entered the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.
There is coverage* as long as you depart your Home Country/Country of Residence and enter the destination country prior to either: 1) the CDC issuing a Warning Level 3 (avoid nonessential travel) for your Destination Country; or 2) a government agency of your Home Country publishing or issuing a Travel Warning or Emergency Travel Advisory regarding your Destination Country.
Disclaimer: *This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.
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Yes Patriot America insurance can be bought after the arrival in the US within the following constraints. It must be bought within 30 days for travelers above 65 years. Travelers below the age of 65 years can buy the Patriot America insurance within a 6 month time period after arriving in the US.
International Medical Group (IMG) offers the Patriot America Plus insurance plan which has good coverage for acute onset of pre-existing conditions up to the age of 70 years.
Patriot America insurance works 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”, after the deductible amount, Patriot America 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 insurance would pay 80% of eligible expenses up to $5,000, then 100% up to the maximum limit.
For detailed working example of how it works, you can review Patriot America insurance working example.
Patriot America Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America 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 visitor medical insurance in case of emergency in USA.
Yes Patriot America 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 insurance online.
Patriot America Policy can be cancelled by submitting a written request to firstname.lastname@example.org. However if you have filed claims, your premium is non-refundable.
Following are the cancellation policy terms and conditions:
Cancellation before effective date:
This is precisely the question that our entire website is dedicated to answering. We strive to be a one-stop shopping comparison site giving you a range of USA travel insurance options for your situation by providing several resources such as a compare visitor insurance tool, answers to frequently asked questions, resourceful blogs and answers to specific customer queries. We can get you an ideal tourist medical insurance in USA. We offer Patriot America insurance by International Medical Group (IMG) which is one of the most popular visitor insurance plans for USA that can set your mind at ease and cover you in the United States.