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Patriot America Insurance

Patriot America Visitor Insurance

Review the Patriot America Insurance, plan provides visitor medical insurance coverage for foreign residents visiting USA and traveling outside home country, administered by International Medical Group (IMG) and underwritten by Sirius Insurance.

COVID-19 / SARS-CoV-2 Patriot America Insurance purchased on or after March 11 2020, COVID-19 will be NOT be covered and testing/treatment will be excluded from coverage. The Novel Coronavirus Disease, COVID-19, was declared a pandemic by the World Health Organization (WHO) on this date, hence the exclusion applies per the policy certificate of insurance document.

Review the Patriot America Insurance plan that provides visitor medical insurance coverage for foreign residents visiting USA and traveling outside their home country, and is available for a plan duration of a minimum of 5 days up to a maximum of two years.

Patriot America Visitor Insurance is designed to meet the needs of USA visitors and travelers outside home country, and provides temporary medical insurance coverage for non-US citizens visiting the USA while traveling outside of their home country.

In addition to medical benefits, the Patriot Travel Medical Insurance policy includes coverage for emergency medical and political evacuation, repatriation, with a choice of deductibles and plan maximums up to $2,000,000. Plan also offers comprehensive coverage for both in-patient and out-patient medical expenses, also offering higher coverage amounts for seniors when visiting USA when traveling from overseas.

Quote & Buy Patriot America Insurance instantly online for a minimum period of five days and up to a total renewable duration of two years.

If you prefer not to apply online using the above quote/buy link, you can also print and complete paper application, mail/fax the Patriot America Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table.

Patriot America Insurance is administered worldwide by International Medical Group (IMG), and the policy coverage is underwritten and issued by Sirius Specialty Insurance Corporation, rated A (excellent) by A.M.Best and A- by Standard & Poor’s.

Patriot America Insurance Highlights

  • Short-term visitor medical plan for USA visitors
  • Coverage for individuals, dependent families, or groups
  • Maximum limit choices of USD 50K, 100K, 500K, and $1 million
  • Maximum limit choices lowered for ages over 70 years
  • One time deductible options range from $0 to $2,500
  • Plan is available in daily and monthly rates
  • Extend or renew policy to 24 months total duration
  • Wide PPO network of doctors, hospitals, and other providers
  • Freedom to seek treatment within or outside PPO network
  • Save on co-insurance costs within PPO network
  • Universal Rx pharmacy discount savings included
  • Access policy certificate on the Client Dashboard online

Patriot America Insurance Suits

  • Relatives/Parents visiting USA from overseas
  • Summer interns on a summer program in America
  • International tourists or vacationers in the U.S.
  • Business travelers attending a summit or trade expo in USA
  • Foreign au pairs and nannies with families in USA
  • New immigrants needing interim coverage in USA

Patriot America Insurance Information

For detailed plan information, review the Patriot America Insurance Brochure for the summary of benefits table, or the Patriot America Insurance Certificate of Insurance sample document for plan description details and more information.

Renew Patriot America Insurance or extend an existing active policy online prior to expiration date, Patriot America Insurance is extendable and renewable up to 24 months (2 years) of continuous coverage.

Patriot America Insurance Review

Patriot America Visitor Insurance is designed for relatives or parents visiting USA, and tourist traveling to America for vacation or sightseeing, and Patriot International Insurance is for travelers outside America when are going abroad to any foreign country.

  • Eligibility: Anyone visiting the USA and traveling outside their home country (primary residence outside the U.S.).
  • Policy Maximum: Plan offers maximum coverage choices:
    • Age below 70 years from US$50,000 to US$1,000,000 for the life of the plan.
    • Ages 70 to 79 years, the maximum coverage is limited to $50,000, and
    • Ages 80 years and older, it is reduced to only $10,000.
  • Plan Deductible: Choice of US$0, US$100, US$250, US$500, US$1000, US$2500  deductible per certificate/renewal period.
  • Coinsurance Amount: For treatment received in USA only, outside the USA no coinsurance applies.
    • Outside the PPO network, 20% coinsurance applies for the first $5000 in eligible expenses beyond the chosen plan deducible.
    • Inside the PPO network, the coinsurance amount is waived and the plans pays 100% after the chosen plan deductible.
  • Policy Duration:
    • Minimum purchase period of 5 days to maximum 1 year.
    • Continue coverage with renewal period of 2 years total (24 months).
  • Coverage Benefits: Covers Hospital Room and Board charges, Emergency Room and Intensive Care unit charges, Local Ambulance, Physician visits, Surgeon Fees, Pre-admission tests and Hospital emergency room are covered, Diagnostics: X-Rays, Labs, Prescription Drugs savings included. Please refer to the “Summary of Benefits” table available in the plan brochure for entire list of covered benefits.
  • Pre-Existing Conditions: For visitors to the USA below age 70 years, acute onset of pre-existing condition coverage is NOT available with the Patriot America plan, please consider the Patriot America Plus or Patriot Platinum plans to get this benefits. Please refer to the “Certificate of Insurance” document for plan exclusions of conditions that are not covered.
  • Underwriter: Policy is underwritten by Sirius Specialty Insurance Corporation, a top rated global specialty underwriter.
  • Administrator: Plan is administered in the United States and worldwide by International Medical Group (IMG).

More Information

Patriot America plan provides sickness/injury coverage for non-U.S. citizens visiting the United States or anyone traveling outside home country of primary residence. Patriot America plan provides coverage for relatives or parents visiting USA and traveling to America and other nations along the way. The plan offers individuals, families, and groups of five or more travelers with the comprehensive coverage up to the plan maximum selected. The plan can be purchased from a choice of a wide range of plan maximum limits and deductible options, and suited for every USA visitor who is seeking a plan at an affordable cost. The plan offers excellent benefits and services to meet the needs of a wide array of needs for travelers. With access to emergency medical services and treatment, visitors to USA can enjoy their visit knowing that their health is protected under this plan for sickness/injury.

Patriot America plan provides sickness/injury coverage for non-U.S. citizens visiting the United States and traveling outside home country. Patriot International provides coverage for U.S. citizens traveling outside the United States with coverage for brief returns to the U.S. The plan offers periods of coverage from 5 days to 12 months up to a maximum total of 24 continuous months. The plan is suitable for individuals, families, and groups of five or more travelers with the best comprehensive benefits and extended concierge services. The plan can be purchased from a choice of a wide range of plan maximum limits and deductible options, and suited for discerning USA visitor or international traveler needing the best plan and at an affordable cost. Review plan benefit information, policy options, coverage details and quote, buy and purchase policy instantly online.

Patriot America Insurance Details

Patriot America Insurance review of the plan information and details as below:

Patriot America Insurance Patriot AmericaPlan name is Patriot Travel Medical InsurancePatriot America if visiting the U.S., or Patriot International if traveling outside America.
Patriot America Plan Information & Highlights
Quote & Buy Online Buy Patriot America Insurance, receive proof of coverage and ID cards instantly.
Review Plan Brochure Patriot America Insurance Brochure
Renew Coverage Online Renew Patriot Insurance Online, extend coverage dates from 5 days to a total duration of 24 months (2 years)
Keeps coverage active without letting the policy lapse/expire.
Note: A $5 renewal fee applies each time you renew.
Plan Eligibility Non-US citizen visiting USA for business or pleasure, or
Foreign national or US citizen traveling outside home country.
Note: US citizens living abroad (expats) and visiting the United States are eligible to purchase this policy, based upon primary residency outside the US..
Coverage Type Selection Patriot America Insurance product selection:
Worldwide, Including USA: Patriot America is for non-U.S. citizens who are visitors to USA or traveling outside home country.
Worldwide, Excluding USA: Patriot International is for U.S. Citizens traveling abroad or foreign nationals needing cross-border medical coverage outside America.
Area of Coverage Coverage area is outside home country of primary residency.
Coverage Period or Plan Duration Coverage period minimum length of 5 days to maximum 12 months.
Plan is renewable up to a maximum total duration of 24 continuous months.
Maximum Medical Benefit Age 15 days to 69 years:
Maximum coverage options include: $50,000, $100,000, $500,000, or $1,000,000
Ages 70 to 79 years:
Maximum coverage limited: $50,000
Age 80 years or older:
Maximum coverage limited: $10,000
Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member.
This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits.
Deductible Options are $0, $100, $250, $500, $1,000, or $2,500 per certificate period.
Note: Only one deductible per insured member or three (3) deductibles per family must be satisfied during twelve (12) months of continuous coverage.
After the first twelve (12) months of continuous coverage, a new deductible will apply for any period of continuous coverage thereafter.
Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage.
Emergency Room Deductible An additional deductible of $250 will be applied for each Emergency Room (ER) visit for treatment of an illness which does not result in a direct Hospital admission.
Note: This does not apply for injury with/without a direct Hospital admission.
Coinsurance For treatment received within USA:
Inside the PPO Network, plan pays 100% of eligible medical expenses after the deductible up to the overall maximum limit selected.
Outside of the PPO Network, plan pays 80% of eligible medical expenses after the deductible up to $5,000, then 100% to the overall maximum limit.
For treatment received outside the U.S.:
For the certificate period, there is no co-insurance and plan pay 100% of eligible expenses after the deductible up to the overall maximum limit.
Note: Coinsurance is per person per 12 month period of coverage.
After the first 12 months of continuous coverage, a new coinsurance maximum will apply for each 12 month period thereafter.
No more than 3 coinsurance maximums per insured member must be satisfied within the maximum 36 coverage period.
Search the PPO network for preferred providers and save on coinsurance costs.
Preferred Provider PPO Network Search for doctors/hospitals within the Patriot Insurance Provider PPO Network.
Note: Save on coinsurance costs by selecting a caregiver inside the Preferred Provider Organization (PPO) network.
Access care at any doctor or hospital, even outside the PPO network.
Inpatient & Outpatient Benefits (Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges)
Inpatient Hospital Room & Board Charges Hospital Room & Boarding charges, including Laboratory Tests, X-rays, Prescription Medical and other miscellaneous charges
Charges for Emergency Room, Intensive Care Unit (ICU) & Surgical Treatment
Pre-admission test before hospital admission
Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals.
Diagnostic procedures, nursing services, prescription medication.
Home Nursing Care and durable medical equipment costs.
Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected.
Outpatient Medical Expenses Charges for outpatient surgical treatment, use of outpatient surgical facility
Doctor fees including Surgeon, attending/consulting physician, nurse practitioner, and other medical professionals.
Hospital Emergency Room, Urgent Care, Diagnostic X-rays, CAT scan, PET scan or MRI, Laboratory Services, Prescription Drugs
Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected.
Other Treatment & Services Local Ambulance & Medical Transport
Orthopedic treatment
Note: Usual, Reasonable and Customary (URC) up to the plan medical maximum selected.
Hospital Room and Board Average semi-private room rate up to the maximum limit, including nursing services
Note: Hospital Indemnity pays for incidental hospital charges
Intensive Care Unit Up to the maximum limit, Usual, Reasonable, and Customary (URC) charges apply.
Local Ambulance Expense Usual, Reasonable and Customary (URC) up to plan maximum limit.
Eligible Medical Expenses Up to the maximum limit
Note: Usual, reasonable and customary (URC) charges, when covered illness or injury results in hospitalization as inpatient.
Acute Onset of Pre-existing conditions Not covered under this plan.
Emergency Room (ER) Services Up to the maximum limit for accident/injury or illness with inpatient admission.
Note: For treatment inside the U.S., additional $250 co-payment for each use of emergency room for illness, unless member is admitted to the hospital.
No co-payment for emergency room treatment of an injury.
Evacuation Benefits (Eligible expenses NOT subject to deductible or coinsurance)
Accidental Death & Dismemberment (AD&D) Principal sum for accidental death: $25,000
The insured members death must occur within 90 days of the accident.
For Dismemberment (Loss of limb or sight) please see the schedule in AD&D benefit section in the policy certificate.
Note: Not subject to deductible or coinsurance.
Excludes loss due to common carrier accident which is separately covered.
Common Carrier Accidental Death $50,000 per insured adult member
$25,000 per insured child.
Note: Not subject to deductible or coinsurance.
A maximum of $250,000 per insured family involved in the same accident.
Emergency Medical Evacuation Age below 65 years: Up to $1,000,000 maximum limit per insured member provided.
Age above 65 years: This benefit is not available.
Note: This benefit amount is in addition to the medical maximum.
For acute onset of pre-existing condition, lower amount as specified.
This benefit must be approved in advance and coordinated by the plan administrator.
Return of Minor Children Up to $50,000 per certificate period.
Note: This benefit must be approved in advance and coordinated by the plan administrator.
Return or Repatriation of Mortal Remains Up to $50,000 Maximum Limit per lifetime for return of the Insured Person’s Mortal Remains or ashes to Country of Residence, or
Up to $5,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s mortal remains at the place of death.
Note: This benefit must be approved in advance and coordinated by the plan administrator.
Emergency Reunion Up to $50,000 maximum limit per lifetime.
Note: This benefit must be approved in advance and coordinated by the plan administrator.
Terrorism $50,000 maximum lifetime limit, eligible medical expenses only.
Note: This benefit is not subject to deductible or coinsurance.
Political Evacuation And Repatriation $10,000 lifetime maximum.
Note: This benefit must be approved in advance and coordinated by the plan administrator.
Incidental Trip Coverage Up to a cumulative total of 14 days during the coverage period.
Note: Provides accommodation and supplemental benefit to the insured for incidental return trips to his/her home country.
This benefit must be approved in advance and coordinated by the plan administrator.
Trip Interruption Up to US$5,000 per insured person per coverage period.
End-of-Trip Home Country Coverage Maximum 1 month for every 6 months of continuous coverage.
Subject to a maximum 2 months.
Lost Baggage or Theft Up to $50 per item per coverage period.
Applies to damage, loss of, or theft of checked luggage or personal items, and for the replacement cost of travel documents.
Maximum of $250 per certificate period.
Emergency Dental $300 maximum limit for necessary treatment of sudden unexpected pain to sound natural teeth.
Usual, Reasonable, & Customary for necessary emergency dental treatment due to an accident.
Natural Disaster Replacement accommodations provided with a maximum $250/day for 5 days per insured person.
Hospital Indemnity Daily $100 per overnight of inpatient hospitalization charges.
Up to a maximum limit of 10 overnight stays covered in the coverage period.
Identity Theft $500 lifetime maximum limit
Optional Riders – Can be optionally purchased to enhance policy benefits.
Adventure Sports Rider Age 0 to 49 years: Lifetime Maximum of $50,000.
Age 50 to 59 years: Lifetime Maximum of $30,000.
Age 60 to 64 years: Lifetime Maximum of $15,000.
Age 65+ years: Not available.
Note: Only certain activities are covered to the amounts listed.
For sports engaged solely for leisure, recreation, or entertainment purposes.
Evacuation Plus Rider Non life-threatening medical evacuation: Up to a maximum of $25,000.
Natural disaster evacuation: Up to a maximum of $5,000.
Note: This benefit is not available to insureds above age 65.
Provides coverage for sudden and unexpected medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary.
Also offers coverage for evacuations as a result of a natural disaster.
Minimum purchase of 3 months coverage required regardless of the minimum number of days being traveled.
Patriot America Insurance – Miscellaneous Information
Exclusions & Limitations Exclusions apply, see Exclusions & Limitations section in plan brochure for details
Pre-certification Requirements 50% reduction of eligible medical expenses, if Pre-certification provisions are not met.
See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits.
Claims & Reimbursement Download and print the IMG Claims Form available in the Client Dashboard to submit proof of claims for review & reimbursement.
Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator.
The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred.
Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense.
Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered.
Cancellation & Refund If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable.
If no claims have been filed with the Company,
1. A cancellation fee of US$50.00 will be charged; and
2. Only whole or full month premiums will be considered as refundable.
Note: A written (email) request is required.
Client Dashboard Easy access to the IMG Client Dashboard from anywhere in the world to manage your account.
Worldwide Assistance Access quality service from International Medical Group 24/7 and 365 days of the year.
Plan Administrator International Medical Group handles all claims and policy administration services. IMG is based in Indiana, USA.
Insurance Underwriter Patriot plans are underwritten by Sirius Specialty Insurance Corporation.
Ratings of Insurance Underwriter Sirius is rated A (excellent) by A.M. Best and A- by Standard & Poor’s.
Application Form Print and complete paper application, mail/fax the Patriot America Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table.
Quote & Buy Online Patriot America Insurance Quote
Disclaimer The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.