verified Comprehensive-Benefit Visitor Insurance

IMG Patriot Travel Medical Insurance

Comprehensive international medical insurance for tourists, parents, students, and global travelers - starting at just $55/month. Trusted by over 1 million travelers worldwide.

From $50 /month  ·  less than $1/day
36 months
Minimum coverage
2 Years
Maximum renewable
A– (Excellent)
AM Best rating
$8M
Max coverage
Patriot Travel Insurance Cost Calculator
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What Is IMG Patriot Travel Insurance?

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 USA
  • Patriot America Plus – A flexible and affordable option for non-U.S. citizens traveling to the United States. It provides essential medical coverage for unexpected illnesses and injuries during your trip.
  • Patriot America Platinum – A premium-level plan for non-U.S. citizens visiting the United States. It offers enhanced benefits, higher coverage limits, and broader protection compared to the Plus plan -ideal for those seeking more comprehensive coverage.
Travel outside the USA
  • Patriot International Lite – A budget-friendly option for U.S. citizens or residents traveling outside the United States. It covers essential medical expenses, making it a great choice for short trips or travelers looking for basic protection.
  • Patriot International Platinum – A top-tier plan for U.S. citizens or residents traveling abroad. It provides the highest level of coverage, including greater benefit limits and more comprehensive protection - perfect for frequent or long-term travelers.
business Insurance Provider
IMG (International Medical Group)
people Best For
Visitors, Parents, Students
business MAXIMUM LIMIT help
$25,000 · $50,000 · $100,000
paid DEDUCTIBLES help
$0, $50, $100

Who Is Patriot Travel Insurance Best Suited For?

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Non-U.S. Families Visiting the USA
Comprehensive medical coverage for parents and families traveling to America, including access to a large U.S. PPO network.
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U.S. Citizens Traveling Abroad
Ideal for U.S. residents going overseas, with plans like Patriot International Lite and Patriot International Platinum offering worldwide coverage outside the USA.
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Schengen Visa Travelers
Patriot International Lite and Patriot International Platinum meet Schengen visa insurance requirements and provide the required visa confirmation letter.
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Not ideal for:
Travelers with chronic pre-existing conditions - most plans only cover acute onset, not ongoing treatment.
Choose Your Coverage

Patriot Travel Medical Insurance for Visitors to the USA

Popular 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.

thumb_upBudget Option
$46 / month for 29-year-old
  • Designed for budget-conscious USA visitors
  • Coverage Maximum: Multiple policy maximum options available
  • Deductible Choices: Flexible deductible options
  • Emergency Medical Coverage: Eligible expenses covered after deductible and coinsurance
  • Coverage Duration: 5 days to 364 days
  • Emergency Medical Evacuation: Included
  • Pre-Existing Conditions: Limited acute onset coverage available
  • PPO Network: UnitedHealthcare PPO Network
workspace_premiumPremium Protection
$100 / month for 25-year-old
  • Best for travelers seeking higher coverage limits
  • Coverage Maximum: Higher policy maximum options available
  • Deductible Choices: Flexible deductible levels
  • Emergency Medical Benefits:Broad travel medical protection
  • Coverage Duration:Flexible short-term coverage
  • Emergency Medical Evacuation:Included
  • Pre-Existing Conditions:Acute onset coverage available for eligible travelers
  • PPO Network:United Healthcare PPO Network
Common Coverage

What Does Patriot Travel Medical Insurance Cover?

All Patriot travel insurance plans share a robust core set of benefits designed to protect international travelers and visitors to the USA.

Medical Coverage
  • check_circleEmergency medical treatment
  • check_circleHospitalization
  • check_circleUrgent care
  • check_circlePrescription drugs
Emergency Services
  • check_circleEmergency medical evacuation
  • check_circleRepatriation of remains
  • check_circle24/7 multilingual assistance
  • check_circleLarge U.S. PPO network access
Plan Flexibility
  • check_circleFlexible policy durations
  • check_circlePolicy extensions available
  • check_circleIndividual, family & group
  • check_circleNo medical exam required
Global Coverage
  • check_circleWorldwide except home country
  • check_circleSchengen visa eligible plans
  • check_circle180+ countries covered
  • check_circleIncidental US emergency (Intl plans)
menu_book Why Patriot

Why Choose Patriot Travel Insurance?

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:

  • Comprehensive Medical Coverage : covered for unexpected illnesses, injuries, hospitalization, urgent care, and prescription drugs - wherever your travels take you. Policy maximums up to $8,000,000 ensure you're never underprotected.
  • Acute Onset of Pre-Existing Conditions: Unlike many travel plans, select Patriot plans cover the acute onset of pre-existing conditions for eligible travelers - giving parents, seniors, and frequent travelers vital peace of mind.
  • Trusted PPO Network in the USA :Access the UnitedHealthcare PPO Network - one of the largest provider networks in the USA - with 100% in-network coverage after your deductible. No surprises, no hidden costs.
  • Emergency Medical Evacuation :In a medical emergency, getting to the right facility fast can save your life. Patriot plans include emergency medical evacuation coverage up to $1,000,000, so help is always within reach.
  • Flexible & Renewable Plans: Plans start from just 5 days and can be extended up to 36 months. Whether you need short-term coverage for a vacation or long-term protection for an extended stay, Patriot adapts to your needs.
  • 24/7 Multilingual Assistance : Emergencies don't keep office hours. Patriot's round-the-clock multilingual travel and medical assistance team is always available to help you find care, coordinate claims, and navigate any crisis abroad.
  • Schengen Visa Compliant: Patriot International plans meet Schengen visa insurance requirements and provide the official visa letter needed by consulates - making European travel planning simple and stress-free.
Provider Access

Patriot Travel Insurance PPO Network – How It Works

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.

Inside the USA – UnitedHealthcare PPO Network

Patriot America plans participate in the UnitedHealthcare PPO Network United Healthcare Provider 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 Providers
Outside the USA – Worldwide Provider Access

Patriot 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.

tune Special Coverage

Patriot Travel Insurance Coverage for Acute Onset of Pre-Existing Conditions

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.

Pricing Guide

How Much Does Patriot Travel Insurance Cost for USA Visitors?

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.

Filter by age : 
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.

Buyer Guide

Who Should Buy Patriot Travel Insurance for Visitors to the USA?

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Parents Visiting the USA

Patriot America plans are ideal for parents visiting on B1/B2 tourist visas who need coverage for emergency medical care in the United States.

school
International Students

F-1, J-1, and OPT students can use Patriot travel insurance for temporary health coverage during their stay in the USA.

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H1B / H4 Visa Holders

Workers and dependents on H1B or H4 visas can use Patriot plans for short-term or gap medical insurance coverage in the USA.

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Tourists & Business Travelers

Visitors traveling to the USA for tourism or business trips can protect themselves from unexpected medical expenses and emergencies.

Important Note:Patriot travel insurance provides coverage for unexpected medical emergencies, hospitalization, urgent care, and emergency evacuation during your stay in the USA. Coverage availability and benefits may vary based on plan selection.

Patriot Travel Medical Insurance Outside the USA

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.

thumb_up Budget Option
$45 / month for 40-year-old
  • Affordable international travel medical coverage
  • Policy Maximum: $50,000 - $1,000,000
  • Deductible: $0 to $2,500
  • Duration: 5 to 730 days (renewable)
  • Emergency Medical Evacuation: Up to $1,000,000
  • Acute Onset of Pre-Existing Conditions: Limited coverage available
  • Satisfies Schengen visa insurance requirements
thumb_up Premium Option
$108 / month for 40-year-old
  • Premium international medical insurance with higher benefits
  • Policy Maximum: Up to $8,000,000
  • Deductible: $0 to $25,000
  • Duration: 5 days to 3 years
  • Emergency Medical Evacuation: Up to $1,000,000
  • Additional Travel Assistance Services: Premium support included
  • Ideal for long-term and frequent international travelers
flight_takeoff Outbound Travel Protection

Who Needs Patriot International Travel Medical Insurance?

  • Patriot International Travel Medical Insurance is designed for residents traveling outside their home country for tourism, business trips, studies, or visiting family abroad. It provides essential protection against unexpected medical emergencies while traveling internationally.
  • International tourists and vacation travelers should purchase outbound insurance since their domestic health insurance often does not provide coverage outside their home country.
  • Students studying abroad and exchange program participants should consider outbound coverage to meet university requirements and visa-related health insurance rules.
  • Business travelers on overseas assignments should ensure they are covered for hospitalization, emergency medical treatment, and medical evacuation during international trips.
  • Frequent travelers and digital nomads should also consider outbound travel insurance to stay protected across multiple international destinations and extended stays abroad.
  • In simple terms, Patriot Outbound Travel Medical Insurance is essential for anyone leaving their home country who may need emergency medical care while traveling abroad.
Pricing Guide

How Much Does Patriot Travel Insurance Cost for International Travel?

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.

Filter by age : 
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.

Side-by-Side Comparison

Compare Patriot Travel Insurance Plans

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
Quick Analysis

Pros & Cons of Patriot Travel Insurance

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Advantages

10 benefits
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Strong financial backing from IMG, a globally recognized travel insurance provider

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High policy maximum options available up to $8,000,000

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Flexible deductible choices help travelers manage premium costs

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Coverage available for both inbound and outbound international travelers

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Emergency medical evacuation coverage included with all eligible plans

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COVID-19 treatment covered as any other eligible illness

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Suitable for tourists, students, business travelers, and families visiting abroad

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Renewable coverage options available for extended international stays

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Access to a large international provider network and multilingual assistance services

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Quick online purchase process with instant policy documents and ID cards

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Disadvantages

7 limits
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Trip cancellation coverage is not included in standard Patriot travel medical plans

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Coverage for chronic and long-term pre-existing conditions is limited or excluded

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Medical expenses related to war or active conflict zones are not covered

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Coverage benefits may vary depending on traveler age and destination country

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Certain adventure sports and hazardous activities may require additional coverage

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Some plans include coinsurance or deductibles for treatment received inside the USA

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Policy benefits and coverage limits may reduce for travelers above certain age groups

Client Stories

Patriot Travel Medical Insurance Reviews

★★★★★

"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."

RK
Rajesh K.
Patriot America Plus · Houston, TX
★★★★

" 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."

SM
Sarah M.
Patriot International Lite · Boston, MA
★★★★★

"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."

AP
Amit P.
Patriot America Plus · San Jose, CA
Common Questions

Patriot Travel Medical Insurance - FAQs

Patriot America Plus is the top choice for parents visiting the US. It covers acute onset of pre-existing conditions for travelers under 70, with up to $1M maximum, flexible deductibles, and access to a large PPO network. It's available from $77/month for a 40-year-old.
Yes. For travelers under 65, you can purchase within 6 months of arriving in the US. For travelers over 65, purchase must be within 30 days of arrival. No waiting period applies for accidents - illness has a 5-day waiting period for late purchases.
Patriot International Lite and Patriot International Platinum both satisfy Schengen visa requirements. We issue a visa letter upon purchase that can be submitted to the consulate. Coverage includes €30,000+ emergency medical as required.
Most Patriot Travel Medical Insurance plans purchased through American Visitor Insurance can be extended online without any interruption in coverage, provided the extension is completed before the policy expires. Patriot America Lite and Patriot International Lite plans are extendable up to 24 months, while Patriot Platinum plans may be extended up to 36 months. Travelers can also conveniently manage their policy online - including adding travelers, updating coverage details, and accessing plan documents - through the IMG member portal.
Patriot America Plus is one of the best visitor insurance USA for parents visiting the USA. Designed for non-U.S. citizens traveling to America, it offers comprehensive coverage for unexpected medical expenses, emergency medical evacuation, and the acute onset of pre-existing conditions for travelers under age 70. With flexible deductibles, high policy maximums (up to $1 million), and access to a quality PPO network, it's a popular and reliable choice for parents and senior travelers.
You can get the quotes and make an instant purchase of Patriot travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
Certain Patriot plans such as Patriot America Plus and Patriot Platinum offer coverage for the acute onset of pre-existing conditions for eligible travelers under specific age limits
Yes. Many Patriot travel medical plans can be renewed or extended if you continue to meet eligibility requirements and have not exceeded the maximum coverage duration.
Patriot International Lite and Patriot International Platinum both satisfy Schengen visa requirements and provide a visa letter for consulates.
Yes. Patriot plans provide access to a large PPO network in the United States, helping travelers reduce out-of-pocket medical expenses.
Yes. Patriot Travel Insurance is available for many senior travelers, although coverage limits and benefits may vary based on age and plan selection.
Yes, most Patriot plans can be extended before the current policy expires, as long as you have not exceeded the maximum coverage duration. Patriot America Plus and Patriot International Lite can be extended up to 24 months, while Patriot Platinum plans allow extensions up to 36 months. Extensions can be done online through the IMG member portal without needing a new application.
Yes, Patriot travel insurance plans cover families under a single policy. You can include your spouse and dependent children (under age 18) on the same application. Each traveler must be listed with their individual age and details, and premiums are calculated per person.
Patriot travel insurance plans do not cover routine prenatal care, normal childbirth, or planned pregnancies. However, some plans may cover complications of pregnancy as a covered benefit. If you are pregnant or planning to become pregnant, review the plan's benefit schedule carefully or contact customer support before purchasing.
Yes, Patriot International plans cover travel to multiple countries on a single trip, as long as none of them is your home country. Patriot America plans also cover travel to multiple destinations including the USA. Simply ensure your policy reflects the correct travel dates covering your entire journey.
lightbulb Why Choose Us

Why Buy Patriot Travel Insurance on American Visitor Insurance?

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 Patriot Travel Insurance Insurance online through American Visitor while reviewing plan details, understanding coverage options, and comparing benefits and pricing all in one place. This makes it simple to choose the right plan and complete your purchase securely in just a few minutes.

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).

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