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Patriot America Plus Insurance

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Patriot America Plus Visitor Insurance Plan for USA Visitors

Review the Patriot America Plus plan, provides visitors insurance coverage for non-US citizens visiting USA and traveling outside home country, includes coverage for acute onset of pre-existing conditions, administered by International Medical Group (IMG) and underwritten by Sirius Insurance.

COVID-19 / SARS-CoV-2 / Coronavirus Patriot America Plus Insurance purchased on or after September 1, 2020 will include coverage up to the plan maximum for COVID-19, if contraction and treatment occur after the policy effective date. For policies effective from March 11, 2020 through August 31, 2020, COVID-19 will NOT be covered and excluded from coverage. The World Health Organization (WHO) had declared the coronavirus related disease as a pandemic, hence the exclusion applies per the previous policy certificate of insurance document.

Review the Patriot America Plus Insurance that provides visitors medical coverage for non-US citizens who are visiting USA and traveling outside their home country for a short-term duration.

Patriot America Plus plan is very similar to the standard Patriot America Insurance policy, but the Patriot America Plus plan provides the featured benefit of “Acute Onset of a Pre-existing Condition coverage” up to plan maximum selected for individuals under the age 70 years. The plan certificate is renewable for a minimum period of five days and up to total duration of two years.

The Patriot America Plus plan addresses the specific coverage needs of non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure to the United States. Patriot America Plus Insurance offers following choice of plan maximum coverage: $50,000, $100,000, $500,000 and $1,000,000 ($10,000 for ages 80 and above) and offers competitive premium rates.

Quote & Buy Patriot America Plus Insurance instantly online for a minimum period of 5 days up to 1 year initial purchase period, with a total renewable coverage duration of 2 years.

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

Patriot America Plus 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 Plus Insurance Highlights

  • Visitor medical plan for USA visitors
  • Short-term plan with coverage outside home country
  • Coverage for individuals, groups, and their dependents
  • Maximum limit choices of USD 50K, 100K, 500K or 1 million
  • One time deductible options range from $0 to $2,500
  • Plan is available in daily and monthly rates
  • Acute onset of pre-existing condition coverage available
  • Extend or renew policy to 24 months total duration
  • Wide PPO network of doctors, hospitals, 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 Plus Insurance Suits

  • Relatives/Parents visiting USA from overseas
  • Foreign nationals visiting USA on B1/B2 visa
  • Exchange students or college students studying in America
  • International tourists or vacationers to the U.S.
  • Graduating seniors or summer interns on USA trips
  • Foreign au pairs and nannies working w/families in USA
  • New immigrants needing interim coverage in USA

Patriot America Plus Insurance Information

For detailed plan information, Patriot America Plus Review of  the Patriot America Plus Insurance Brochure for the summary of benefits table, or the Patriot America Plus Insurance Certificate of Insurance sample document for plan description details and more information. Renew Patriot America Plus Insurance or extend an existing active policy online prior to expiration date, Patriot America Plus Insurance is extendable and renewable up to 24 months (2 years) of continuous coverage.

Patriot America Plus Insurance Review

Patriot America Plus Insurance is designed for relatives or parents visiting USA, and tourist traveling to America for leisure vacation or sightseeing, and even business travelers visiting America and outside home 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 or US$5000 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: Only acute onset of pre-existing condition coverage is available with this plan for ages below 70 years. Please refer to the “Certificate of Insurance” document for maximum limits covered and plan exclusions list 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 Plus plan provides sickness/injury coverage for non-U.S. citizens visiting the United States and anyone traveling outside home country of primary residence. The Patriot Plus plan offers individuals, families, and groups of five or more travelers with comprehensive benefits, and can be purchased from a choice of a wide range of plan maximum limits and deductible options that fits every budget.

Patriot America Plus Insurance 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 international treatment, visitors to USA can enjoy their visit knowing that their health is protected under Patriot America Plus plan for sickness/injury. Patriot America Plus Review of coverage under the PatriotAmericaPlus comprehensive plan is suitable for relatives or parents visiting USA, international tourists traveling on on vacations to America. Patriot America Plus Plan offers continuous coverage protection from a minimum 5 days to maximum duration of 365 days (1 year), and coverage is renewable up to 2 years. Patriot America Plus Review of plan benefit information, policy options, coverage details to quote, buy and purchase policy instantly online.

Patriot America Plus Insurance Details

Patriot America Plus review of the plan information and details as below, for a full Patriot America Plus Review, please see the plan brochure and sample certificate.

Patriot America Plus Insurance Patriot America Plus – Coverage for Foreign nationals and residents visiting the USA.
Patriot America Plus Plan Information & Highlights
Quote & Buy Online Buy Patriot America Plus Insurance, receive proof of coverage and ID cards instantly.
Review Plan Brochure Patriot America Plus Insurance Brochure
Renew Coverage Online Renew Patriot Insurance Online, extend coverage dates from 5 days to a total duration of 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.
Note: US citizens living abroad (expats) and visiting the United States are eligible to purchase this policy, based upon primary residency outside the US.
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 plan duration of 365 days (1 year).
Maximum Medical Benefit Age below 70 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: The deductible is one time, per person, per 12 month period of coverage.
Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage.
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.
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 Emergency Dental Treatment for Injury to Sound, Natural Teeth, $300 maximum limit
Local Ambulance & Medical Transport
Mental & Nervous Disorder, & Substance Abuse
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.
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 a Pre-existing Condition For Age below 70 years:
Up to the maximum limit for Medical Expenses for treatment of Acute Onset of Pre-existing Condition, and
Up to 25,000 per coverage period for Emergency Medical Evacuation
For Age above 70 years:
This benefit is not available if insured is 70 years or older
Note: A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs
1. spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care;
2. after the Effective Date; and
3. prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence.
A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset.
Only “Acute Onset of Pre-existing conditions” is covered for ages below 70 years for non-U.S. Citizens visiting USA, up to the specified limit for an acute onset of a pre-existing condition if the condition occurs in the United States during your coverage period, and if you receive treatment in the United States within 24 hours of the sudden and unexpected recurrence.
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 member.
Note: Amounts above are per insured member.
Not subject to deductible or coinsurance.
A $250,000 maximum benefit limit per lifetime and per family applies.
Emergency Medical Evacuation Lifetime maximum benefit amount of $1,000,000.
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 $10,000 lifetime maximum.
Note: This benefit must be approved in advance and coordinated by the plan administrator.
Recreational Sports & Activities Up to the maximum limit for non-organized, non-contact sports and non-collision activities.
Trip Interruption $5,000 per certificate period
Lost Luggage $50 per item is paid for checked-in baggage that is lost.
Maximum of $250 per certificate period.
Incidental Trips Maximum up to a cumulative two weeks.
End-of-Trip Home Country Coverage Maximum 1 month for every 6 months of continuous coverage.
Subject to a maximum 2 months.
Emergency Dental $100 per 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.
Hospital Indemnity Daily $100 per overnight of inpatient hospitalization charges.
Up to a maximum limit of 10 overnights.
Identity Theft $500 lifetime maximum limit
Personal liability Benefit limit of $10,000.
Note: This personal liability benefit is embedded in the coverage.
Optional Riders – Except enhanced AD&D rider, optional riders apply to all members.
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.
Enhanced AD&D Rider Up to an additional $400,000.
Note: This benefit is available to the primary insured member only.
Citizenship Return Rider Up to the maximum limit.
Evacuation Plus Rider Non-life-threatening medical evacuation only.
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.
Patriot America Plus 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 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 Patriot Plus 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 Plus Insurance Application along with premium payment, calculate the quoted rates using the supplied rate table.
Quote & Buy Online Patriot America Plus Insurance Quote
Disclaimer The Patriot America Plus Review of information provided on this page for Patriot America Plus policy is only a summary, be sure to read the Patriot America Plus plan brochure, Certificate of Insurance, and governing policy documents for complete details.
The specified benefits is subject to change, always refer to the Patriot America Plus plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and benefits under the Plus plan are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Benefits under the Plus plan 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 under the Plus plan are subject to deductible, coinsurance, and are per certificate period.
This Plus 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 the Plus plan administrator.