Comprehensive international medical insurance for tourists, parents, students, and global travelers - starting at just $55/month. Trusted by over 1 million travelers worldwide.
Patriot Travel Medical Insurance is a short-term international travel health insurance plan offered by IMG, designed for both U.S. and non-U.S. citizens. It covers non-U.S. travelers visiting the United States as well as U.S. residents traveling abroad, with coverage periods ranging from a few days up to 24 months, depending on the plan selected. The Patriot Travel plan provides international travel insurance to individuals from around the world who are outside their home country.
There are two main plan options, based on where you are traveling to:
Travel to the USAPopular Patriot visitor insurance plans for the USA include Patriot America Lite, Patriot America Plus, and Patriot Platinum America. These plans are commonly chosen by parents visiting family in the United States, tourists on B1/B2 visas, international students, exchange visitors, and travelers seeking flexible short-term travel medical coverage.
Patriot travel medical insurance plans are designed for non-U.S. citizens visiting the United States temporarily. Whether you are traveling to America for tourism,family visits, education, or temporary work assignments, Patriot plans help protect against unexpected medical expenses, emergency hospitalization, urgent care, and covered illnesses or injuries during your stay.
All Patriot travel insurance plans share a robust core set of benefits designed to protect international travelers and visitors to the USA.
Whether you're visiting family in the USA, exploring Europe, or traveling for business, Patriot Travel Insurance by IMG gives you the confidence to travel without worry. Here's why travelers worldwide choose Patriot:
Patriot Travel Medical Insurance gives travelers access to trusted healthcare providers worldwide. Understanding how the PPO network works can help reduce out-of-pocket expenses and simplify the treatment process during your trip.
Patriot America plans participate in the UnitedHealthcare PPO Network
, one of the largest healthcare networks in the United States. Travelers can access thousands of doctors, urgent care centers, and hospitals nationwide.
Using an in-network provider may help reduce upfront medical costs and simplify direct billing for eligible covered expenses. After the deductible is met, covered medical expenses are paid according to the policy terms up to the plan maximum.
searchSearch UHC ProvidersPatriot International plans allow travelers to visit any licensed physician, clinic, or hospital outside their home country without PPO restrictions.
Travelers may seek treatment from qualified medical providers worldwide, and eligible expenses are covered according to the policy terms and maximum limits.
Acute Onset of Pre-Existing Conditions
Several Patriot plans cover the acute onset of pre-existing conditions - a sudden, unexpected outbreak of a known condition requiring immediate medical care.
The price of Patriot travel medical insurance for visitors traveling to the USA typically ranges from $50 to $340 per month depending on the traveler’s age, coverage amount, and deductible selected.
Below is the monthly cost of Patriot travel insurance of coverage with a $250 deductible for different traveler age groups.
| Plan | Max Coverage | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Patriot America Plus | $50,000 - $1,000,000 | $50 - $62 | $77 - $95 | $174 - $223 | $303 - $438 |
| Patriot America Platinum | $1,000,000 - $2,000,000 | $100 - $102 | $152 - $154 | $377 - $378 | $643 |
| Patriot America Lite | $50,000 - $100,000 | $46 - $57 | $70 - $86 | $102 - $208 | $264 - $340 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
Patriot America plans are ideal for parents visiting on B1/B2 tourist visas who need coverage for emergency medical care in the United States.
F-1, J-1, and OPT students can use Patriot travel insurance for temporary health coverage during their stay in the USA.
Workers and dependents on H1B or H4 visas can use Patriot plans for short-term or gap medical insurance coverage in the USA.
Visitors traveling to the USA for tourism or business trips can protect themselves from unexpected medical expenses and emergencies.
Popular Patriot travel insurance plans include Patriot International Lite and Patriot Platinum International. These plans are designed for international tourists, vacation travelers, business travelers, students studying abroad, missionaries, and long-term travelers visiting destinations outside their home country. Patriot travel insurance is widely used by travelers seeking flexible, reliable, and comprehensive international medical coverage.
Patriot travel medical insurance provides coverage for unexpected illness and injury, emergency medical treatment, hospitalization, emergency evacuation, and other travel-related medical expenses while abroad. These plans are available for US citizens traveling outside the United States as well as non-US citizens traveling outside their home country. Patriot plans are also suitable for Schengen visa requirements, making them a trusted option for travel across Europe and other international destinations.
The cost of Patriot International travel medical insurance for travelers going outside their home country typically ranges from $29 to $275 per month, depending on the traveler’s age, destination, policy maximum, deductible, and coverage duration selected.
Below is the monthly cost of Patriot travel insurance of coverage with a $250 deductible for different traveler age groups.
| Plan | Max Coverage | Age 20 | Age 40 | Age 60 | Age 70 |
|---|---|---|---|---|---|
| Patriot International Lite | $50,000 | $29 | $55 | $121 | $214 |
| Patriot International Platinum | $1,000,000 | $53 | $108 | $230 | $275 |
Source: American Visitor Insurance® | Prices verified for 2026 travel season.
| Travel to the USA (Patriot America Plans) | ||
|---|---|---|
| Feature | Patriot America Plus | Patriot Platinum America |
| Best For | Visitors, parents, tourists to the USA | Travelers seeking higher coverage & protection |
| Coverage Area | Outside home country (including USA) | Outside home country (including USA) |
| Policy Maximum | $50,000 – $1,000,000 | Up to $8,000,000 |
| Deductible Options | $0 – $2,500 | $0 – $25,000 |
| PPO Network (USA) | UnitedHealthcare PPO Network | |
| Coinsurance | 100% (in-network after deductible) | 100% (in-network after deductible) |
| Emergency Medical Evacuation | Up to $1,000,000 | Up to maximum limit |
| Acute Onset of Pre-Existing Conditions | Included (age limits apply) | Included (broader eligibility) |
| Coverage Duration | 5 to 364 days (extendable up to 24 months) | Up to 364 days (extendable up to 36 months) |
| Schengen Visa | ✘ Not eligible | ✘ Not eligible |
| Explore Plan | View Plan → | View Plan → |
| Get Started | 🛒 Buy Now | 🛒 Buy Now |
| Travel Outside the USA (Patriot International Plans) | ||
|---|---|---|
| Feature | Patriot International Lite | Patriot International Platinum |
| Best For | Budget travelers outside the USA | Frequent or long-term international travelers |
| Coverage Area | Worldwide excluding home country | Worldwide excluding home country |
| Policy Maximum | $50,000 – $1,000,000 | Up to $8,000,000 |
| Deductible Options | $0 – $2,500 | $0 – $25,000 |
| Global Provider Access | Any licensed doctor/hospital worldwide | Any licensed doctor/hospital worldwide |
| Coinsurance | 100% up to maximum limit | 100% up to maximum limit |
| Emergency Medical Evacuation | Up to $1,000,000 | Up to maximum limit |
| Acute Onset of Pre-Existing Conditions | Included (age limits apply) | Included (broader eligibility) |
| Coverage Duration | 5 to 364 days (extendable up to 24 months) | Up to 24 months (extendable up to 36 months) |
| Schengen Visa | ✔ Eligible | ✔ Eligible |
| Explore Plan | View Plan → | View Plan → |
| Get Started | 🛒 Buy Now | 🛒 Get Quote |
Strong financial backing from IMG, a globally recognized travel insurance provider
High policy maximum options available up to $8,000,000
Flexible deductible choices help travelers manage premium costs
Coverage available for both inbound and outbound international travelers
Emergency medical evacuation coverage included with all eligible plans
COVID-19 treatment covered as any other eligible illness
Suitable for tourists, students, business travelers, and families visiting abroad
Renewable coverage options available for extended international stays
Access to a large international provider network and multilingual assistance services
Quick online purchase process with instant policy documents and ID cards
Trip cancellation coverage is not included in standard Patriot travel medical plans
Coverage for chronic and long-term pre-existing conditions is limited or excluded
Medical expenses related to war or active conflict zones are not covered
Coverage benefits may vary depending on traveler age and destination country
Certain adventure sports and hazardous activities may require additional coverage
Some plans include coinsurance or deductibles for treatment received inside the USA
Policy benefits and coverage limits may reduce for travelers above certain age groups
"My father had a cardiac episode in Chicago. The PPO network worked seamlessly - the hospital billed IMG directly. We paid zero out of pocket. I cannot recommend Patriot America Plus enough for parents visiting the US."
" needed emergency surgery in Germany. Filed my claim online, got a response within 48 hours, and reimbursement was processed in 10 days. Patriot International Lite was worth every dollar - and it covered my Schengen visa requirement too."
"Bought Patriot America Plus for my in-laws' 6-month US visit. My father-in-law had a pre-existing heart condition. The plan covered his acute episode completely. Customer service was excellent - multilingual support helped my in-laws communicate directly."
American Visitor Insurance offers a simple and reliable way to choose the right medical insurance for tourists with confidence and purchase your plan online in minutes.
Easy Plan Comparison and Purchase: You can buy
Helpful Resources for Better Decisions: We offer detailed FAQs, blog, and guides based on real customer questions. These resources are designed to help you clearly understand your options and choose the best plan for your specific travel needs.
Experienced Customer Support: Our licensed support team has over 20 years of experience in the US visitors insurance industry. We assist customers by answering questions, clarifying plan details, and helping them choose the right IMG plan.
Support When You Need It: With support teams across both the East and West Coast of the US, we are available across multiple time zones to assist you with the application process and help guide you through claims if needed during your trip.
Licensed & Trusted Platform: American Visitor Insurance is a licensed US-based insurance platform (NJ License #1181604).