Patriot America Plus is a short-term travel medical insurance plan designed for visitors to the USA. It helps cover eligible emergency medical expenses during your stay and is commonly chosen by travelers from India visiting family, tourism, or business trips. starting at less than $2 per day (around $50 per month).
Patriot America Plus insurance is a comprehensive travel health insurance with sudden illness protection for non-US citizens visiting the USA individually or in groups. COVID-19 is covered if contracted after the policy start date. Backed by a top-rated insurance company (A rating by AM Best) it is one of the most popular travel health insurance for foreigners in USA.
Top reasons to buy Patriot America visitor insurance before your trip:After buying the plan, Travelers can get the Patriot America Plus id card and all the plan document by using Patriot America Plus insurance login You can also complete the Patriot America plus insurance application form. to ensure you have the coverage you need while traveling to the USA. At American Visitor Insurance, USA Travelers can contact the Patriot America Plus insurance customer service to get help on the plan details, quotes and other queries. Our licensed agents will be glad to help you!
In the Patriot America Plus travel insurance plan, coinsurance refers to the percentage of eligible medical expenses that the insurance company pays after the deductible has been met. It’s an important part of how visitor medical insurance for USA travelers shares costs between you (the insured) and the insurance provider.
Patriot America Plus Insurance is a reliable travel medical insurance plan designed for non-U.S. residents visiting the United States, including tourists, business travelers, parents, and short-term visitors. It is administered by IMG (International Medical Group) and underwritten by SiriusPoint Specialty Insurance Corporation, rated A- (Excellent) by A.M. Best, ensuring financial strength and trustworthiness.
The plan provides essential protection against unexpected medical emergencies in the U.S., including hospitalization, doctor visits, emergency care, and other eligible medical expenses. It is designed to help travelers manage high healthcare costs in the United States while offering flexible coverage options based on travel needs and duration.
Covers sudden and unexpected onset or recurrence of a pre-existing condition that becomes life-threatening or requires emergency medical care after the policy start date.
Patriot America Plus is ideal for:
Not Ideal For : Travelers seeking routine medical checkups, ongoing treatment for chronic pre-existing conditions, maternity care, preventive healthcare services, or trip cancellation and travel interruption benefits.
The cost of Patriot America Plus Insurance ranges from $50 to $790 per month, depending on the traveler’s age, selected plan maximum, and deductible. The table below shows sample monthly rates based on a $250 deductible. Choosing a higher deductible results in lower premiums, while a lower deductible increases the premium.
| Age of traveler | Medical Maximum | |||||
|---|---|---|---|---|---|---|
| $50,000 | $100,000 | $250,000 | $500,000 | $1,000,000 | ||
| 18 – 29 years | $50 | $62 | $68 | $86 | $98 | |
| 30 – 39 years | $59 | $80 | $93 | $100 | $110 | |
| 40 – 49 years | $77 | $95 | $107 | $126 | $145 | |
| 50 – 59 years | $129 | $159 | $197 | $223 | $246 | |
| 60 -64 years | $174 | $223 | $298 | $324 | $355 | |
| 65 – 69 years | $202 | $254 | $307 | $361 | $407 | |
| 70 – 79 years | $303 | $438 | Not available for this age group | |||
| 80 – 99 years | $790/month $10,000 max only, $250 deductible | |||||
For senior travelers aged 80 to 99, the cost is $790, with a maximum coverage of $10,000 and a deductible of $250.
A higher deductible has a lower premium, while a lower deductible has a higher premium. This is based on the deductible factors shown here.
| Deductible | $0 | $100 | $250 | $500 | $1,000 | $2,500 |
|---|---|---|---|---|---|---|
| Factor | $1.25 | $1.10 | $1.00 | $0.90 | $0.80 | $0.70 |
Patriot America Plus provides excellent travel insurance for visitors to the USA, offering comprehensive coverage for medical emergencies, hospital stays, and trip interruptions. With flexible deductible options and strong benefits, it is widely regarded as the best visitor insurance for the USA, ensuring travelers have the protection they need while visiting the United States.
| Home Nursing Care help | Up to the maximum limit (Upon direct transfer from an acute care facility) |
| Assistant Surgeon help | 20% of the primary surgeon’s eligible fee |
| Bedside visit help | $1,500 maximum limit. Must be hospitalized in an intensive care unit. Not subject to deductible |
| Outpatient Surgical / Hospital Facility help | Up to the maximum limit |
| Laboratory help | Up to the maximum limit |
| Chemotherapy / Radiation Therapy help | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery help | Up to the maximum limit (surgery is incidental to and follows surgery that was covered under the plan) |
| Anesthesia help | Up to the maximum limit |
| Chiropractic Care help | Up to the maximum limit |
| Extended care facility help | Up to the maximum limit |
| Emergency eye examination help | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) |
| Hospital room and board help | Average semi-private room rate, including nursing services |
| Radiology / X-ray help | Up to the maximum limit |
| Physician visits help | Physician visits or services: Up to the maximum limit |
| Physical Therapy help | Up to the maximum limit (Medical order or treatment plan required) |
| Walk-In Clinic help | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Urgent Care Clinic help | $25 copay for urgent care center. Copay is not applicable when the $0 deductible is selected. Not subject to deductible. |
| Traumatic Dental Injury help | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% |
| Surgery help | Up to the maximum limit |
| Intensive care unit help | Up to the overall maximum limit. |
| Durable medical equipment help | Up to the maximum limit |
| Emergency dental treatment help | $300 maximum limit due to accident or unexpected pain to sound natural teeth |
| Prescription Drugs and Medications help | Up to the plan maximum limit, may not exceed $250,000 (Dispensing limit per prescription: 90 days) |
| Supplemental Accident help | Maximum limit per covered accident: $300 |
| Hospital emergency room help | Outside the U.S: Up to the maximum limit Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
| Physician visits help | Up to the maximum limit |
| Interfacility ambulance transfer help | Company pays 100% |
| Natural disaster help | $250 per day and maximum limit of five days for accommodations. Not subject to deductible. |
| Political evacuation and repatriation help | $100,000 maximum limit. Not subject to deductible |
| Emergency medical evacuation help | Up to $1,000,000 |
| Return of mortal remains or cremation/burial help | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5k maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Emergency local ambulance help | Up to the maximum limit. |
| Return of minor children help | $100,000 maximum limit. Not subject to deductible |
| Natural disaster evacuation help | $25,000 maximum limit. Not subject to deductible |
| Emergency reunion help | $100,000 maximum limit. Not subject to deductible |
| Remote transportation help | $5,000 per certificate period / $20k maximum limit |
| Terrorism help | Up to $50,000 maximum limit. Not subject to deductible |
| Accidental death & dismemberment help | $50,000 principal sum. Death must occur within 90 days of the accident. Not subject to deductible |
| Personal liability help | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property |
| Pet return help | $1,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death help | $500 maximum limit. Not subject to deductible (For a pet cat or dog up to 30 pounds traveling with the insured person) |
| Return travel help | $10,000 maximum limit. Not subject to deductible |
| Identity theft help | $500 maximum limit. Not subject to deductible |
| Common carrier accidental death help | $25,000 per insured child, $100k per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Acute Onset of Pre-Existing Conditions help | Up to the maximum limit.(Insured person must be under 70 years of age) |
| Pre-Existing condition medical evacuation | $25,000 maximum limit for emergency medical evacuation |
| Lost luggage help | $50 per item, $500 maximum limit. Not subject to deductible |
*Note: Benefit amounts shown are based on In-Network coverage. Please consult your specific policy documents for precise coverage limits, benefits and exclusions. Optional add-on benefits are available for an additional charge.
Available for those up to the age of 65 years.
If you are a thrill-seeking traveler who enjoys life's more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader. (avaliable on group plans)
The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Cell phones are essential when traveling internationally to keep you safe, connect with friends and family back home, and to take photos of your travels. Device protection provides coverage for repair or replacement of your cell phone if it is lost, stolen, or accidentally damaged during your trip-so you can continue your trip uninterrupted and stay digitally connected wherever you are in the world.
Mobile Device Protection - More Details
Bolt Device Protection - More Details
*Rider option is available in select countries on individual plans only.
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.
**Rider option is available an individual plans far U.S. residents only.
Insured Person meets the eligibility requirements, they are eligible for this rider
| Benefit | Limits |
|---|---|
| Teladoc Consultation | Mental or Nervous Disorders are not covered Applicable in the United States Coverage for a Teladoc Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc Consultation where the Illness or Injury is otherwise excluded under this Certificate of Insurance. |
A Preferred Provider Organization (PPO) is a network of highly qualified doctors, well-recognized hospitals, medical providers/facilities who are contracted by IMG to offer services to insureds. This will help reduce the insured’s out-of-pocket costs. This insurance have two different network providers for our plans.
IMG maintains when inside the U.S., the UnitedHealthcare Options network is a longstanding reputable tier 1 network that gives you more access to more doctors and services. When outside the U.S., you can also enjoy access to quality healthcare worldwide with our proprietary IPA network that includes over 18,550 physicians and facilities.
IMG maintains when inside the U.S., the www.firsthealthinternational.com which is a longstanding reputable tier one network that gives you more access to more doctors and services.
If you purchase Patriot Plus insurance from IMG with a United Healtcare logo on your insurance card, please state the following when informing your healthcare provider about your IMG travel insurance - "My healthcare coverage uses the United Healthcare travel health insurance network."
When you get medical treatment in U.S. hospitals, you can reduce your out of pocket expenses if you use a Preferred Provider Organization (PPO) that is covered by the IMG insurance policy. PPO networks are an organized network of thousands of reputed well established, qualified medical practitioners and highly regarded hospitals in the US. Your insurance ID card will indicate the PPO network that you can use. The PPO directory is regularly updated; however it is possible to have changes between updates. To confirm that the physician you have selected is in the PPO network, please contact the physician's office to confirm their participation.
Find Provider NetworkYes Patriot America Plus 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 Plus 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.
Yes Patriot America Plus Insurance is available up to a maximum of 364 days. Visitors to USA can renew Patriot America Plus insurance online to extend their coverage.
With your Patriot America Plus insurance, you have access to the United Healthcare Options network when seeking treatment in the U.S. This is a national network of board-certified doctors and healthcare facilities that can provide you with quality care and reduce your out-of-pocket costs.
Yes, this plan can be extended for a minimum of 5 days up to 12 months at a time, with a maximum total coverage period of 24 continuous months. Before each coverage period ends, renewal information will be provided, and you can renew online or by submitting a paper renewal form. Each insured person is required to pay one deductible and coinsurance per 12-month coverage period.
Yes, the IMG Patriot America Plus Insurance plan meets the visa requirements for most types of visas, such as J1, J2, F1, F2, M1, M2, and A visas. These visas are usually issued for students, scholars, and cultural exchange participants who travel to the U.S. or abroad for educational or cultural purposes. The plan provides basic coverage and benefits for travelers who want an affordable protection. It covers eligible medical expenses, emergency medical evacuation, repatriation, acute onset of pre-existing conditions, and more. It also offers flexible options for deductibles and maximum limits, ranging from $0 to $25K and from $50K to $2M respectively.
Yes, Patriot America Plus is an excellent choice for Indian parents visiting the U.S. It offers comprehensive medical coverage, including the acute onset of pre-existing conditions (up to policy maximum for travelers below 70), which is important for elderly visitors.
While ongoing treatment for pre-existing conditions is not covered, the plan does cover the acute onset of these conditions, meaning a sudden and unexpected flare-up. This is especially helpful for common issues like diabetes, high BP, or heart conditions.
Yes, they can visit any hospital or doctor. However, if they use the UnitedHealthcare PPO network, they benefit from direct billing and lower out-of-pocket costs.
Yes, the plan includes COVID-19 coverage as any other eligible illness, provided it is contracted after the policy becomes effective.
Patriot America Plus Insurance is not offering coverage for residents of Belarus, Russia or Ukraine and travelers visiting Belarus, Russia or Ukraine.
Email: insurance@imglobal.com
Fax: 317-655-4505
1.800.628.4664
International Medical Group PO Box 240429 Apple Valley, MN 55124
