Patriot America Plus is a comprehensive travel medical insurance plan designed for non-U.S. citizens traveling to the United States. It offers coverage for medical expenses, emergency medical evacuation, and other travel-related benefits during your stay in the U.S.
Patriot America Plus
Patriot America Plus
Patriot America Plus is a comprehensive travel medical insurance plan. The coverage is available to individuals and families traveling to the USA. Or anywhere worldwide outside their home country, excluding their country of residence. The plan is ideal for non-U.S. residents, individuals, groups of five or more travelers, and their dependents. This is temporary medical insurance for when you are traveling internationally, including to the United States, whether for business or pleasure. The plan offers coverage for a minimum of 5 days for up to 365 days period and is renewable. The maximum period of coverage is 24 continuous months. it participates in the United Healthcare PPO network. Patriot America Plus offers a wide range of plan maximum limits ranging from $50,000 to $1,000,000 and various deductible options from $0 to $2,500. This insurance plan is available for a minimum of 5 days up to 12 months. The minimum age for coverage is 14 days old. In the U.S., after the deductible is satisfied, the plan pays 100% of eligible medical expenses up to the policy maximum. Outside the PPO network, the plan pays 80% of the first $5,000 of eligible medical expenses and then 100% thereafter. Explore Patriot America Plus plan details, see the plan brochure and description of coverage.
Key Highlights
- Offers coverage For Acute Onset of Pre-Existing Conditions
- Overall Maximum Limit Up to $1,000,000
- Coinsurance (In-Network): 100% up to the Maximum Limit
- Coinsurance (Out-of-Network): 80% up to $5,000, then 100%
- Emergency Medical Evacuation Up to $1,000,000
- Emergency Reunion Up to $100,000
- Political Evacuation and Repatriation Up to $100,000
- Return of Minor Child Up to $100,000
- Terrorism coverage up to $50,000
- Remote Transportation Up to $20,000
- Return Travel up to $10,000
- Local Burial/Cremation Up to $5,000
- Return of Mortal Remains up to the period of coverage limit
- Telehealth, Evacuation Plus, Travel Intelligence
- Covid-19 coverage for travelers to the U.S.
Note:
Please review Patriot America Plus policy documents for complete coverage and exclusions.
Best Suitable Plan For
Plan Details
| Insurance Provider | IMG |
| Plan Underwriter | SiriusPoint Speciality Insurance Corporation |
| Plan Category | Travel Medical Insurance |
| Plan Type | Comprehensive Coverage |
| PPO Network | United healthcare PPO |
Out-Patient
Medical treatment that does not include an overnight stay at a hospital.
| Dr. / Physician Visit | In-Network 100% up to policy maximum Out-Network 90% of first $5,000, 100% thereafter |
| Urgent Care | In-Network $25 copay, 100% up to Policy Maximum Out-Network $25 copay, 90% of the first $5,000, 100% thereafter |
| Surgical Treatment | In-Network 100% up to policy maximum Out-Network 90% of first $5,000, 100% thereafter |
| Prescription Drugs / Medicines | 90% of first $5,000, 100% thereafter |
| Lab & X-rays | In-Network 100% up to policy maximum Out-Network 90% of first $5,000, 100% thereafter |
| Physical Therapy | In-Network: 100% covered up to policy maximum Out-of-Network: 80% covered for first $5,000 100% covered thereafter |
In-Patient
Medical treatment that includes an overnight stay at a hospital.
| Hospital Room and Board | In-Network 100% up to Policy Maximum Out-Network Average semi-private room and rate |
| Surgical Treatment | In-Network 100% up to policy maximum Out-Network 90% of first $5,000, 100% thereafter |
| Hospital Intensive Care Unit | In-Network: 100% covered up to policy maximum Out-of-Network: 80% covered for first $5,000 100% covered thereafter |
| Dr. / Physician Visit | In-Network 100% up to policy maximum Out-Network 90% of first $5,000, 100% thereafter |
Emergency Services
Hospital emergency services (certain limits may apply).
| Ambulance Expenses | In-Network Up to 100% Out-Network 90% of first $5,000, 100% thereafter |
| Emergency Room | In-Network 100% up to policy maximum Out-Network 90% of first $5,000, 100% thereafter |
Dental Coverage
Treatment for injury to or acute and spontaneous pain in sound natural teeth.
| Acute, spontaneous and unexpected pain | Up to $300 |
| Accidental emergency | In-Network: 100% covered up to policy maximum Out-of-Network: 80% covered for first $5,000 100% covered thereafter |
| Dental Emergency | Up to $300 |
Travel Coverage
Travel-related coverage
| Emergency Medical Evacuation / Repatriation | Up to $1,000,000 |
| Return of mortal remains | Coverage up to a maximum of $50,000 for return of mortal remains to the insured's home country or up to $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death. |
| Emergency Reunion | Up to $100,000. Not subject to deductible but must be approved beforehand. |
| Return of minor child(ren) | Up to $100,000. Not subject to deductible but must be approved beforehand. |
| Trip Interruption | No Coverage |
| Loss of checked baggage | $50 per item up to $500 maximum per period of coverage |
| US Border Entry Protection | Not covered |
| Return of Mortal Remains | 100% up to policy maximum |
| Trip Delay | No coverage |
| Lost Luggage | Up to $500, $50 per item |
| Terrorism | Up to $50,000 |
| Personal Liability | Up to $25,000 |
| Identity Theft | Up to $500 |
| Legal Fees | No coverage |
| Lost or Stolen Passport | No coverage |
| Missed Connection | No coverage |
Life Coverage
Life coverage
| AD&D | $50,000 principal sum. |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult. $250,000 maximum limit per family |
Support
Support
| 24-Hrs Emergency Assistance | Yes. Contact number and details can be found on the ID card. |
Other
Other types of coverage not mentioned above.
| COVID-19 Coverage | This plan covers COVID-19 like any other covered medical condition. Conditions apply. Please read the Description of Coverage. |
| Pre-Existing Conditions | Acute onset of a pre-existing condition coverage up to maximum limit for people up to 69 years of age. For people 70 years & over there is no coverage for acute onset of pre-exiting conditions |
| Maternity | Not Covered |
| General Physical full Checkup | Not Covered |
| Terrorism Coverage | Up to $50,000 lifetime maximum |
| Brochure | Patriot America Plus Insurance Brochure |
| Doctor Wellness Visit | No Coverage |
| Preferred Rates | Not Available |
Medical Coverage
Medical coverage details.
| Eligible Medical Expenses | In-Network 100% up to policy maximum Out-Network 90% of first $5,000, 100% thereafter |
Pre-existing Conditions
Medical coverage for Pre-existing and Acute Onset of Pre-existing Conditions.
| Pre-Existing Conditions | Pre-existing conditions are not covered under Travel Medical plans unless classified as an acute onset of pre-existing condition by a physician and the insurer. Here are some common pre-existing conditions: Pre-Existing Diabetes: Not Covered Pre-Existing Hypertension: Not Covered Pre-Existing Heart Conditions: Not Covered Please review your policy document for any other limits or exclusions. |
| Acute onset Pre-Existing Condition | Up to policy maximum: Age 69 and below |
COVID-19 Benefits
Covid-19 related benefits and coverage
| COVID-19 Medical Coverage | This plan covers COVID-19 like any other covered medical condition up to the policy maximum. COVID-19 treatment and services will be covered if the virus was contracted after the policy effective date. Preventative care related to COVID-19, like vaccinations, is not covered under the policy. Please review your policy documents for any limits or exclusions. |
| COVID-19 Testing | Testing can be covered if ordered by the attending physician for diagnostic purposes if symptoms occur after the policy effective date |
| COVID-19 Vaccine/Booster | No Coverage |
| COVID-19 Quarantine Coverage | No Coverage |
Patriot America Plus FAQS
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What is Patriot America Plus insurance?
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Who is eligible for Patriot America Plus insurance?
This plan is available to non-U.S. citizens who are visiting the United States for tourism, business, or medical purposes. Coverage is available for travelers aged 14 days and older. For travelers aged 65 and above, coverage must begin within 30 days of arrival in the U.S.
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What are the coverage options for Patriot America Plus?
Patriot America Plus offers policy maximums ranging from $50,000 to $1,000,000, depending on the chosen plan. Deductible options include $0, $50, $100, $250, $500, $1,000, $2,500 per policy period. The plan provides 100% coverage after the deductible is met, up to the overall maximum limit.
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Does Patriot America Plus cover COVID-19?
Yes, charges for treatment resulting from COVID-19 are covered the same as any other illness under the Patriot America Plus plan, provided the illness occurs after the effective date of the policy.
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Does the plan cover pre-existing conditions?
The plan covers the acute onset of pre-existing conditions for travelers under age 70, up to the policy maximum. For travelers aged 70 and above, coverage for pre-existing conditions is limited.
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What additional benefits does Patriot America Plus offer?
Beyond standard medical coverage, the plan includes benefits such as:
Emergency medical evacuationReturn travel
Baggage loss and personal belongings
Accidental death and dismemberment (AD&D)
Felonious assault
Natural disaster evacuation
Political evacuationReturn of minor children
Return of mortal remains
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How long can I purchase Patriot America Plus coverage for?
Coverage can be purchased for a minimum of 5 days up to a maximum of 24 continuous months. The plan is renewable, allowing travelers to extend their coverage as needed, up to the maximum duration.
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How do I file a claim with Patriot America Plus?
To file a claim, complete the Claimant's Statement and Authorization form and submit it along with supporting documents such as itemized bills and medical records. Claims can be submitted via the Member Portal or by contacting IMG directly.