If your parents are planning a trip to the United States, you may be wondering if you need travel insurance. The answer is a resounding “yes.” While no one plans to get sick or injured while traveling, accidents can happen. Here are the top 10 reasons to buy Patriot America Plus for parents visiting USA. 

Before proceeding remember without travel insurance, medical bills can quickly add up, leaving you with an unexpected financial burden. That’s where Patriot America Plus travel insurance comes in.

In this article, let us find out the reasons why you should consider purchasing Patriot America Plus travel insurance for your parents’ visit to the USA.

Top 10 Reasons to Buy Patriot America Plus Travel Insurance

There are many reasons to purchase visitor insurance like Patriot America plus visitor medical insurance. Let us take a look at the most important purpose for you to consider the plan.

1. Medical Coverage

Patriot America Plus provides medical coverage for your parents while they’re in the USA. This travel medical insurance will pay the eligible expenses for doctor visits, hospital stays, and emergency medical evacuation, as well as prescription drugs and medical supplies.

2. High Coverage Limits

With Patriot America Plus, you’ll have access to high coverage limits for eligible expenses. This means that if your parents need medical treatment while in the USA, you won’t have to worry about paying exorbitant out-of-pocket costs.

3. Trip Cancellation and Interruption Coverage

In addition to medical coverage, Patriot America Plus also provides trip cancellation and trip interruption coverage. If your parents’ trip is canceled or interrupted for a covered reason, such as an unexpected illness or injury, you’ll be reimbursed for non-refundable trip expenses.

4. Lost or Stolen Baggage Coverage

Patriot America Plus also includes coverage for lost or stolen baggage. If your parents’ luggage is lost or stolen while in the USA, you’ll be reimbursed for the value of the lost items.

5. Accidental Death and Dismemberment Coverage

Accidents can happen, and in the unfortunate event of accidental death or dismemberment (AD&D), Patriot America Plus provides coverage for your parents.

6. 24/7 Assistance Services

Patriot America Plus includes 24/7 assistance services, so you can rest assured that your parents will have access to help and support whenever they need it.

7. Pre-Existing Condition Coverage

If your parents have pre-existing medical conditions, you’ll be glad to know that Patriot America Plus provides coverage for these conditions, as long as they meet certain requirements.

8. Flexible Policy Duration

Whether your parents are visiting the USA for a few days or several months, Patriot America Plus offers flexible policy duration options to fit your needs.

9. Easy Online Enrollment

Enrolling in Patriot America Plus is easy and can be done online in just a few minutes.

10. Peace of Mind

Perhaps the most important reason to buy Patriot America Plus travel insurance for your parents visiting the USA is the peace of mind it provides. With comprehensive coverage, high coverage limits, and a range of other benefits, you can relax knowing that your parents are protected in case of an unexpected event.

About Patriot America Plus Travel Insurance Plan

The Patriot America Plus travel medical insurance plan is intended for your parents, relatives, or acquaintances who are visiting the US. It offers complete, reasonably priced visitor health insurance with advantages like hospitalization, prescription medication, and urgent care visits.

This comprehensive coverage is for you if you’re seeking a plan that will protect you whether you’re traveling for work or pleasure. Plus, you have several maximum limits and deductible options.

A minimum of 5 days and a maximum of 2 years can be chosen when purchasing the plan. For those going outside of their home country, it offers a customizable plan with a wide choice of maximum limits and deductible options.

The range of total medical benefits would be $50,000 to $500,000, and insurance deductibles might be $0 to $2500.

Examples of the emergency medical services covered by the plan include medical evacuations, acute onset of pre-existing conditions, and political evacuation.

Furthermore included is protection from travel-related coverage such as trip cancellation, lost luggage, identity theft, and natural disasters.

Plan highlights and details of Patriot America Plus Travel Medical Insurance plan

Plan Highlights:

The Patriot America Plus travel insurance offers a wide range of benefits to protect travelers against unexpected medical expenses, trip interruptions, and other unforeseen events that can disrupt travel plans. The plan is available for individuals or families traveling away from their home country and can be purchased for as little as five days or up to two years.

Some of the benefits offered by Patriot America Plus include coverage for emergency medical expenses, emergency medical evacuation, trip interruption, lost luggage, and accidental death and dismemberment. The plan also includes 24-hour travel assistance services to help travelers with medical emergencies, travel arrangements, and other travel-related issues.

Let us look deeper into the details and plan highlights of Patriot America travel medical insurance

Plan Details:

• Administrator: IMG. AM Best Rating -: A-(Excellent)
• Eligibility: Visitors to the USA or international travelers traveling outside their home country
• Overall maximum limit: Up to $1,000,000
• Deductibles: $0, $100, $250, $500, $1,000, $2,500.
• Coinsurance:In-Network: The plan pays 100% up to the maximum limit. Out-of-Network: Plan pays 80% up to $5,000, then 100%
• For visitors to the US, COVID-19 is covered the same as any other sickness.
• For those under the age of 70, coverage for non-chronic Acute Onset of Pre-Existing Conditions.
• Belong to the United HealthCare PPO Network.
• Anyone between the ages of 14 days (about two weeks) and 99 years can enroll in the plan.
• The plan may be purchased for a minimum of 5 days and a maximum of 12 months, which may then be extended for a total of 2 years.

What are the benefits and coverage of Patriot America Plus travel medical insurance?

With Patriot America Plus travel medical insurance, you can modify the policy limit and deductible to suit your needs.

It is an all-inclusive package deal with many perks for international travel by families, solitary travelers, and groups of five or more.

Patriot America Plus travel insurance is specially designed for people who need temporary medical insurance while traveling for business or pleasure to the United States.

Here are the benefits and coverage provided by Patriot America Plus travel insurance

Emergency Medical Evacuation Coverage

The Patriot America Plus travel insurance offers coverage for emergency medical evacuation up to the policy maximum. Emergency medical evacuation coverage is intended to provide assistance and transportation for a medical emergency to the nearest adequate medical facility.

The plan includes coverage for emergency medical expenses, emergency dental expenses, and other medical-related expenses, such as prescription medication and medical supplies. In addition, the plan covers accidental death and dismemberment, repatriation of remains, and other benefits.

Emergency Dental Insurance

Patriot America Plus is a travel medical insurance that is designed to cover medical emergencies while traveling outside of your home country. However, dental coverage under this plan is limited to dental treatment resulting from an injury to natural teeth or sound and natural teeth. Emergency dental care due to an accident or injury may be covered under the plan, but routine dental care and treatment for pre-existing conditions are generally not covered.

Medical Coverage for Covid-19

Patriot America Plus travel medical insurance plans provide coverage for COVID-19, subject to the terms and conditions of the policy. The plan covers medical expenses related to COVID-19, including testing, treatment, and hospitalization, as well as medical evacuation and repatriation if necessary. However, it is important to note that coverage for COVID-19 may be subject to certain exclusions and limitations, such as pre-existing condition exclusions,

Coverage for Trip Cancellation and Trip Interruption

The plan typically includes coverage for trip cancellation due to unforeseen circumstances such as illness, injury, or death of a traveler, a family member, or a travel companion. They may also cover trip interruption due to covered reasons such as inclement weather, natural disasters, or terrorism.

PPO Hospital Network

A nationwide network of hospitals and physicians known as the First Health PPO Network provides discounted, pre-set rates for medical services. If you seek medical care from an In-Network Provider and have Patriot America Plus travel insurance, you are entitled to these discounted rates.

What does it mean by Acute Onset of Pre-existing Condition?

Acute onset of a pre-existing condition refers to the sudden and unexpected manifestation of a pre-existing medical condition that requires immediate medical attention. This means that the medical condition was not present or active before the start of the travel insurance plan, and there were no symptoms or signs of the condition before the policy became effective.

Is the acute onset of Pre-Existing Conditions Coverage provided by the Patriot America Plus insurance plan?

Patriot America Plus insurance provides acute onset of pre-existing conditions coverage. The plan covers the sudden and unexpected onset of a pre-existing medical condition, up to the policy maximum, for individuals up to age 70.

The coverage is subject to certain conditions and limitations, including a waiting period, which means that the coverage will not apply to any medical condition that manifests itself during the waiting period.

It is important to note that the acute onset of pre-existing condition coverage does not apply to all pre-existing conditions, and certain conditions may be excluded from coverage.

Do you need visitor medical insurance that covers the acute onset of pre-existing conditions? We have covered a complete guide on it.

Other Coverages and Benefits of the plan

Patriot America Plus travel insurance offers emergency travel advantages, coverage for unforeseen medical bills, as well as multilingual customer service centers.

Let’s review the specifics of the additional protection offered by the Patriot America Plus travel health insurance plan.

• Emergency Medical Evacuation – Up to $1,000,000 (maximum limit)
• Covid 19 Coverage: Up to the maximum limit
• Eligible Medical Expenses: Up to the maximum limit
• Physician Visits/Services: Up to the maximum limit
• Hospital Room: Up to the maximum limit
• Intensive Care Unit: Up to the overall maximum limit
• Bedside Visit: $1,500 maximum limit. Not subject to deductible
• Outpatient Surgical/Hospital Facility: Up to the maximum limit
• Laboratory: Up to the maximum limit
• X-Ray: Up to the maximum limit
• Natural Disaster Evacuation: $25,000 maximum limit. Not subject to deductible
• Chemotherapy: Up to the maximum limit
• Walk-in Clinic: $15 copay. Copay is not applicable when a $0 deductible is selected
• Pre-Admission Testing: Up to the maximum limit
• Surgery: Up to the maximum limit
• Reconstructive Surgery: Up to the maximum limit
• Pet Return: $1,000 maximum limit. Not subject to deductible
• Lost Checked Luggage: $500 maximum limit. Not subject to deductible

How much does Patriot America Plus cost?

The cost of the plan will depend on the following variables:

Limit of the plan

If you decide to go with a higher plan maximum limits, your monthly premium will increase. You have a choice of $50,000, $100,000, $500,000, and $1,000,000 for policy maximums. (If you’re 80 or older, it’s $10,000). (Plan has age restrictions for maximum limits)

Deductible options

An insured person can select a deductible amount between $0, $100, $250, $500, $1,000, and $2,500. The premium can be lowered by selecting a higher deductible.

Age factor

One typically has to pay a greater premium or rate as one age. When a person ages, the premium rises. The plan is open to anyone who is older than 14 days.

Period of Coverage

Patriot America Plus can be purchased for any period of time between 5 days and 2 years. The longer the coverage term, the greater the premium will be because it is evaluated daily.

Other Coverage

Patriot America travel health insurance also provides other coverage for adventure sports as optional coverage.

Add-ons include Adventure Sports (up to age 65), Enhanced Accidental Death & Dismemberment (individuals only), Evacuation Plus, and Chaperone / Faculty Leader coverage riders (for groups only).

What are Patriot America Platinum and Patriot America Lite insurance plans?

These two plans are part of IMG’s Patriot Series of travel insurance plans.

Patriot America Platinum Travel Medical Insurance

Patriot America Platinum insurance provides premium, all-inclusive travel medical coverage to Non-US citizens traveling outside their home country.

You can choose a plan with a maximum limit of up to $8,000,000 and a deductible of $0 to $25,000.

Terms of purchase range from five days to three years. Aside from medical insurance, it also provides a number of other invaluable benefits, such as emergency medical evacuation, repatriation of remains, lost checked luggage, accidental death and dismemberment (AD&D), assistance with identity theft, political evacuation, natural disaster coverage, terrorism coverage, trip interruption, and many more.

Patriot America Lite Insurance

Patriot America Lite Insurance provides comprehensive international travel health insurance for non-US citizens and foreign visitors to the United States. It is a low-cost travel health insurance policy for your parents visiting the United States.

Patriot America Lite insurance has deductibles ranging from $0 to $2,500 and policy limits ranging from $50,000 to $1,000,000.

Patriot America Lite insurance purchase terms range from five days to two years. The insurance covers any new medical conditions, accidents, or injuries that occur after the start date of the policy but it does not cover any costs associated with pre-existing conditions, routine checkups, vaccinations, or pregnancy.

Key differences between Patriot America Plus, Patriot America Platinum, and Patriot America Lite Insurance Plan

Patriot America Travel Insurance coverage is also available for travel outside the USA

There are two types of Patriot travel medical insurance plans for US citizens traveling abroad:

• Patriot Lite International and
• Patriot Platinum International

They are one of the most well-liked comprehensive coverage plans. Ideal for US individuals traveling internationally with their family, young children, or by themselves.

Due to the following features, the travel insurance plans distinguish themselves from the competition and is a popular choice among travel medical insurance plans:

• One of the most affordable options for travel health insurance.
• The plans offer affordable rates depending on the individual’s circumstances and duration of stay.
• Accessibility to the Preferred Provider Network (PPO): UnitedHealth Care’s extensive PPO network.
• It is more probable that you will find a provider who is compatible with this plan if you use the PPO Network.
• This plan covers the acute onset of pre-existing conditions up to the policy’s maximum limit for policyholders under the age of 70.
• The plan’s unique feature is that it will cover travel dates provided that they were covered at the time of purchase.
• COVID-19 is covered like any other illness if it is discovered after the policy’s start date.
• The insured person can get continuous coverage due to the plan’s potential for a three-year renewal.
• Choice of a high policy maximum limit is up to $8,000,000

About the Insurance Company – IMG ( International medical group)

The Patriot Travel Series plan is offered to travelers by International Medical Group IMG. It is a highly reputed company with a TrustPilot rating of 4.6. While it provides a number of options for travelers to the US, Patriot America Plus is the most well-liked one. The company provides international benefits for international visitors traveling to the US for pleasure, business, or entertainment.

These insurance policies can be purchased by tourists, international students, international relatives, elders, and adventurers to safeguard themselves against sudden illness or injury. The visitors’ insurance plans from IMG are a fantastic option for short-term medical insurance. These plans may be extended for up to 24 to 36 consecutive months. You must, however, be at least 14 days old to be eligible.

Some benefits of the plans offered by International Medical Group include the following:

• Plans with extensive coverage to international visitors and access to a huge PPO Network
• They offer customer support and are accessible when you need them.
• IMG offers a variety of travel insurance alternatives to suit every demand.

Read our complete review of IMG in detail.

Frequently Asked Questions

How does the Patriot America Plus plan work in the PPO network?

If the deductible is met in the United Healthcare PPO network, the plan covers all eligible medical expenses up to the policy limit. The plan covers 100% of the subsequent $5,000 of qualified medical costs outside the PPO network after paying 80% of the initial $5,000. There is no deductible and a $25 copayment if you visit an urgent care facility.

How does Patriot America Plus travel insurance cover Covid?

If the virus is contracted after the policy’s effective date, medical care, services linked to COVID-19, and emergency medical evacuation for COVID-19 treatment may be covered. Additionally, if symptoms appear after the policy’s effective date and testing is required for diagnostic purposes, it may be covered. Quarantine benefits and COVID-19 boosters are not covered.

Do pre-existing conditions get covered by Patriot America Plus Insurance?

Up to the age of 70, Patriot America Plus insurance offers excellent coverage for the acute onset of pre-existing conditions.

Are US citizens able to get Patriot America Plus insurance?

Patriot America Plus Insurance focuses on the insurance requirements of non-US Residents who require temporary medical insurance while visiting the US for either business or pleasure. Patriot America Plus Insurance is provided to US citizens living abroad who are temporarily visiting the US. For US nationals to be eligible for Patriot America Plus insurance, they must have lived abroad continuously for the previous six months and have an active health plan.

Plan Summary:

Bottom Line

Without travel insurance, visiting the US can result in a number of financial hardships in the event of an unforeseen sickness or injury. So, if you plan to buy health insurance in the form of travel insurance for your parents, this plan is a very popular & good option.

Get this comprehensive medical coverage and make their travel and stay protected!

Buy Patriot America Plus Insurance