When planning a trip to the United States, securing reliable travel medical insurance is paramount. Among the top choices for international travelers is Patriot Plus insurance, also known as Patriot America Plus Insurance, a comprehensive plan offered by International Medical Group (IMG). This plan is designed specifically for non-U.S. residents visiting the U.S. for business, leisure, or other short-term purposes.

What Is Patriot Plus Insurance?

Patriot Plus insurance is a short-term travel medical insurance plan that provides coverage for unexpected illnesses or injuries during your stay in the U.S. It offers a range of benefits, including hospitalization, emergency medical evacuation, and coverage for the acute onset of pre-existing conditions for travelers under 70 years old.

The plan is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- “Excellent” by A.M. Best.

Patriot Plus Insurance – Benefits And Coverage Limits

Benefit	Coverage Details
Policy Maximum	$50,000, $100,000, $250,000, $500,000, or $1,000,000 (varies by age)
Deductible Options	$0, $100, $250, $500, $1,000, $2,500
Coinsurance	In-Network (U.S.): 100% after deductible Out-of-Network (U.S.): 90% up to $5,000, then 100% International: 100%
Emergency Medical Evacuation	Up to $1,000,000
Emergency Medical Reunion	Up to $100,000 (maximum 15 days, $25/day meal allowance)
Return of Mortal Remains	Up to the policy period limit; local burial/cremation up to $5,000
Acute Onset of Pre-Existing Conditions	Covered up to the policy maximum (for travelers under 70 years of age)
Emergency Dental Treatment	Up to $300 for unexpected pain or treatment due to an accident
Traumatic Dental Injury	Covered at 100% for treatment at a hospital due to an accident
Urgent Care Clinic	$25 copay (in-network)
Walk-in Clinic	$15 copay (in-network)
Hospital Emergency Room	$250 deductible for illness; no deductible for injury (in-network)
Prescription Drugs	Covered up to the plan’s maximum limit; dispensing limit of 90 days per prescription
Loss of Checked Luggage	Up to $500 ($50 per item)
Accidental Death & Dismemberment (AD&D)	Principal sum up to $50,000
Common Carrier AD&D	Up to $100,000 per adult; $25,000 per child; $250,000 per family
Natural Disaster Evacuation	Up to $25,000
Political Evacuation & Repatriation	Up to $100,000
Return of Minor Children	Up to $100,000
Return Travel	Up to $10,000
Identity Theft	Up to $500
Pet Return	Up to $1,000 for a pet traveling with the insured
Supplemental Accident Benefit	Up to $300 per covered accident
Terrorism Coverage	Up to $50,000

Note: Coverage limits and benefits may vary based on the selected policy maximum and the insured’s age. It’s essential to review the full policy details to understand the specific coverage applicable to your situation.

✅ Key Benefits Of Patriot Plus Insurance

• Comprehensive Medical Coverage: Covers hospitalization, surgery, doctor visits, emergency room services, urgent care, and prescription medications
• Acute Onset of Pre-Existing Conditions: Provides coverage for sudden and unexpected flare-ups of pre-existing conditions for travelers under 70 years old
• Emergency Medical Evacuation: Offers up to $1,000,000 for emergency medical evacuation if necessary
• COVID-19 Coverage: Treats COVID-19 as any other covered medical condition if contracted after the policy’s effective date
• Access to UnitedHealthcare PPO Network: Ensures access to a vast network of healthcare providers across the U.S.
• Flexible Coverage Duration: Available for periods ranging from 5 days to 364 days, with the option to renew up to 2 years

Suitable For

This insurance plan is well-suited for:

• Parents Visiting the U.S.: Ensures that elderly parents visiting their children in the U.S. are covered for medical emergencies
• International Tourists: Provides peace of mind for tourists traveling to the U.S. for short-term visits
• Business Travelers: Offers coverage for professionals visiting the U.S. for business purposes
• Students and Scholars: Ideal for students on short-term educational programs in the U.S.

Cost Of IMG Patriot America Plus Travel Insurance

The cost of the plan varies based on several factors, including the traveler’s age, selected policy maximum, deductible, and coverage duration. On average, the daily premium ranges from $1.52 to $25.50, depending on these variables.

How to Purchase IMG Patriot America Plus Travel Insurance

Patriot America Plus Insurance can be purchased online through OnshoreKare or various authorized providers. The process typically involves:

1. Selecting Coverage Options: Choose the desired policy maximum, deductible, and coverage duration
2. Providing Traveler Information: Enter details such as the traveler’s name, date of birth, passport number, and travel dates
3. Making Payment: Pay the premium using a credit card or other accepted payment methods
4. Receiving Confirmation: Obtain the policy documents and ID card via email

Introduction To Travel Insurance

• Travel insurance is essential for residents traveling outside their home country, providing coverage for unexpected medical expenses and emergencies
• Patriot America Plus is a popular travel insurance plan that offers comprehensive coverage for non-U.S. residents visiting the USA
• The plan includes travel medical insurance with various deductible options, plan maximum limits, and access to the UnitedHealthcare PPO network. Coverage options are suitable for individuals, groups, and families traveling together
• Eligible medical expenses are covered, including hospitalization and treatment, up to the policy maximum. This includes costs resulting from illness or injury during travel
• Travelers can purchase Patriot America Plus before or after arrival in the USA, but pre-existing conditions before policy start are not covered

Key Features Of Patriot Plus

• Patriot Plus offers coverage for the acute onset of pre-existing conditions for insured persons under 70, subject to deductibles, coinsurance, and benefit limits
• The plan includes an Adventure Sports Rider that covers select activities, such as bungee jumping, jungle zip-lining, and wildlife safaris, subject to lifetime maximum amounts and exclusions. The Adventure Sports Rider provides coverage for the following activities: adventure sports, extreme sports, and other recreational pursuits, as long as they are carried out under governing authority rules
• Policy documents, including ID card, certificate, PPO link, and Universal RX Discount Card, are emailed immediately after purchase
• The plan can be extended monthly for up to 1 year, with renewal notices sent before expiration. Please note that auto-renewal is not available
• Co-insurance is 100% within the PPO network up to policy maximum; outside PPO, 80% coverage applies up to $5,000, then 100%

Patriot Plus Pre-Existing Condition Coverage

• Pre-existing condition coverage is available for the acute onset of pre-existing conditions, subject to deductible, coinsurance, and benefit limits
• Insured persons under 70 are eligible for pre-existing condition coverage, but are subject to specific exclusions and limitations
• The plan does not cover pre-existing conditions before the policy start, so it’s essential to purchase the plan before traveling
• Travelers with pre-existing conditions should carefully review the policy documents and exclusions before purchasing the plan

Medical Coverage And Benefits Of Patriot Plus Insurance

• Patriot Plus provides comprehensive medical coverage, including hospitalization, treatment, and eligible medical expenses up to the policy maximum
• The plan includes access to the UnitedHealthcare PPO network, which offers 100% coverage for eligible medical expenses after the deductible
• Travelers can choose from various deductible options and plan maximum limits to suit their needs and budget
• The plan also covers COVID-19, subject to specific exclusions and limitations, and provides reimbursement for eligible medical expenses

Patriot Plus Adventure Sports Coverage

For travelers seeking adventure during their trip, the Patriot America Plus plan offers the optional Adventure Sports Rider. This rider extends coverage to a variety of thrilling activities, including hot air ballooning, jungle zip lining, wildlife safaris, whitewater kayaking, and bungee jumping, among others. Coverage is designed for insured persons who are engaged solely in these adventure sports for leisure, recreation, or entertainment purposes.

Each covered activity is subject to specific lifetime maximum amounts listed in the policy, ensuring you know exactly what benefits are available for each sport. The Adventure Sports Rider is available for travelers up to age 65 and becomes effective as of your policy’s effective date. As with the main plan, coverage is subject to the deductible and policy maximum limits you select at the time of purchase.

If you’re planning to add a little excitement to your travels, be sure to purchase the Adventure Sports Rider when enrolling in Patriot America Plus. Review the policy documents carefully to understand the limits and exclusions, and enjoy your adventure with added peace of mind.

Patriot America Plus Insurance Comparison With Other Plans

• Patriot Plus is an A-rated travel medical insurance plan that offers comprehensive coverage for non-U.S. residents visiting the USA
• The plan is comparable to other travel insurance plans, but it offers more comprehensive coverage and higher policy maximum limits
• Travelers should carefully compare the features and benefits of different plans before purchasing, considering factors like deductible options, plan maximum limits, and exclusions
• Patriot Plus is a popular choice among travelers due to its comprehensive coverage and competitive pricing

Patriot Plus also stands out for its competitive price compared to similar travel insurance plans, offering excellent value for money.

IMG Patriot America Plus For Traveling Outside Home Country

• Traveling outside one’s home country can be risky, especially for non-U.S. residents visiting the USA
• Patriot Plus provides coverage for unexpected medical expenses and emergencies, including hospitalization and treatment
• The plan is designed for residents traveling outside their home country and offers comprehensive coverage for eligible medical expenses. Coverage is active not only at the destination but also during transit to and from the traveler’s home country
• Travelers should purchase the plan before traveling to ensure they have adequate coverage in case of an emergency

Patriot Plus Eligibility

Patriot America Plus is designed to provide flexible travel insurance solutions for a wide range of travelers. The plan is available to non-U.S. residents traveling to the USA, as well as U.S. citizens traveling abroad, making it a versatile choice for international journeys. Rated A- by leading insurance rating agencies, Patriot America Plus offers robust medical coverage for eligible medical expenses, with a variety of deductible options and plan maximum limits to fit your needs.

To enroll, the plan requires a minimum purchase period of 5 days and can be extended up to a maximum of two years. If you are seeking coverage for the Acute Onset of Pre-existing Conditions benefit, you must be under the age of 70 at the time of purchase. The plan is easy to purchase online, and once your application and payment are complete, your policy documents will be emailed directly to you.

Whether you’re a resident traveling for business or leisure, Patriot America Plus offers the flexibility and coverage you need for your trip.

Policy Options And Enrollment For Patriot America Plus

Patriot America Plus offers a range of policy options to suit different travel needs and budgets. You can choose from several deductible options and plan maximum limits, allowing you to customize your coverage for maximum peace of mind. The enrollment process is straightforward. Purchase the plan online, and you’ll receive a confirmation email with your policy documents, including your ID card, certificate of insurance, and detailed policy wording.

If your travel plans change, the plan can be extended or renewed as needed, up to a total maximum period of two years. Insured persons can easily access their policy documents and manage their account information through the insurance company’s secure website. This flexibility makes it easy to keep your coverage up to date, no matter how your travel dates or plans evolve.

Patriot Plus Claims And Reimbursement

• Claims can be filed online or through a licensed insurance agent, and the insured person must provide the necessary documentation to support the claim
• Reimbursement is provided for eligible medical expenses, up to the policy maximum
• Travelers should keep receipts and documentation for eligible medical expenses to ensure reimbursement
• The plan provides reimbursement for COVID-19, subject to specific exclusions and limitations

Patriot Plus Customer Support And Assistance

• Patriot Plus offers customer support and assistance, including a 24/7 hotline and online resources
• Travelers can contact the insurance company for assistance with claims, policy documents, and exclusions
• The plan includes access to a network of healthcare providers, which can assist with medical emergencies
• Travelers should contact the insurance company immediately in case of an emergency

Policy Exclusions And Limitations

• The plan has specific exclusions and limitations. Travelers should carefully review the policy documents and exclusions before purchasing the plan
• The plan does not cover certain activities, such as hot air ballooning and whitewater kayaking, unless the Adventure Sports Rider is purchased
• Travelers should understand the exclusions and limitations of the plan to ensure they have adequate coverage

Premium Calculation And Payment

• The premium is calculated based on the traveler’s age, deductible option, and plan maximum limit
• Travelers can pay the premium online or through a licensed insurance agent
• The plan offers competitive pricing and flexible payment options
• Travelers should carefully review the premium calculation and payment options before purchasing the plan

Underwriting And Approval

Patriot America Plus is underwritten by a reputable insurance company, ensuring you receive reliable coverage and service. The underwriting process is designed to be quick and efficient. When applying, you’ll need to provide basic information such as your age, health status, and travel itinerary. The insurance company will review your application and may request additional details if necessary.

Once approved, your policy will be issued and emailed to you, with coverage beginning as of your policy’s effective date. If you have any questions or concerns during the underwriting or approval process, the insurance company’s customer service team is available to assist you. This streamlined process helps ensure you get the coverage you need when you need it.

Policy Documents And Requirements

• Travelers will receive policy documents, including an ID card, certificate, PPO link, and Universal RX Discount Card, after purchasing the plan
• The plan requires specific documentation, including receipts and medical records, to file claims
• Travelers should carefully review the policy documents and requirements before purchasing the plan
• The insurance company may require additional documentation or information to process claims

Final Thoughts

Patriot America Plus Insurance stands out as a reliable and comprehensive travel medical insurance plan for visitors to the United States. With its extensive coverage options, including acute onset of pre-existing conditions and emergency medical evacuation, it offers valuable protection for international travelers. Its affordability and flexibility make it a top choice for those seeking peace of mind during their stay in the U.S.

Frequently Asked Questions (FAQ) – Patriot America Plus Insurance

1. What is Patriot America Plus Insurance?

Patriot Plus is a comprehensive travel medical insurance plan offered by International Medical Group (IMG). It is specifically designed for non-U.S. citizens visiting the United States for business, tourism, or short-term stays. The plan provides coverage for unexpected illnesses, injuries, and medical emergencies that may occur during your stay in the U.S.

2. Who is eligible for this insurance?

Eligibility for Patriot America Plus includes:

• Non-U.S. citizens traveling to the U.S.
• U.S. citizens residing outside the U.S.
• Travelers aged 14 days and older
• Travelers under 70 years of age for coverage of the acute onset of pre-existing conditions

3. What does the plan cover?

The plan offers a wide range of benefits, including:

• Hospital room and board
• Intensive care unit (ICU)
• Emergency medical evacuation
• Acute onset of pre-existing conditions (for travelers under 70)
• Local ambulance services
• Prescription medications
• Emergency dental treatment related to accidents
• Return of mortal remains or cremation/burial
• Trip interruption and loss of checked luggage
• Accidental death and dismemberment

4. Are pre-existing conditions covered?

Yes, the plan covers the acute onset of pre-existing conditions for travelers under 70 years of age. This means a sudden and unexpected recurrence of a pre-existing condition that requires immediate medical attention within 24 hours of the first symptom. Chronic conditions, which gradually worsen over time, are not covered under this benefit.

5. What are the policy limits and deductibles?

The plan offers flexible options:

• Maximum limits: $50,000 to $1,000,000
• Deductibles: $0 to $2,500
• Coinsurance: IMG pays 100% for in-network care; 80% up to $5,000, then 100% for out-of-network care

6. Can I purchase this insurance for my parents or relatives?

Yes, you can purchase Patriot America Plus insurance on behalf of your parents or relatives, provided you have their consent and the necessary personal information. This is particularly beneficial for individuals visiting the U.S. for short-term stays.

7. Is COVID-19 covered under this plan?

Yes, COVID-19 is treated as any other illness under the Patriot America Plus plan, provided the traveler contracts the virus after the policy’s effective date. This coverage includes medical expenses related to COVID-19.

8. How long can I be covered under this plan?

Coverage is available for periods ranging from 5 days to 364 days. The plan can be renewed for up to a maximum of 2 years, allowing for flexibility in extended stays.

9. How do I file a claim?

To file a claim, you need to:

1. Complete the claim form provided by IMG
2. Submit the form along with all necessary documentation, such as medical bills and receipts
3. Send the completed claim package to the designated address or submit it online, depending on the instructions provided in your policy documents

10. Can I extend or cancel my coverage?

Yes, you can extend your coverage by contacting IMG before your current policy expires. Extensions are subject to approval and may require additional documentation. If you need to cancel your policy, it’s advisable to review the terms and conditions regarding cancellations and any applicable fees.