Patriot America Plus provides coverage for non-U.S. residents traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of 5 days up to a maximum of two years, in accordance with the terms of the Certificate of Insurance. Patriot America Plus is one of the most popular IMG Global plans available on the market. IMG Insurance plans like Patriot America Plus will give you the peace of mind for travel worldwide!
Acute Onset of Pre-existing Condition:
Acute Onset of Pre-existing Conditions Insured Person must be under 70 years of age. Up to the Period of Coverage limit
ACUTE ONSET OF PRE-EXISTING CONDITIONS: Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.
Additionally, the plan offers excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment.
IMG insurance plans do cover COVID-19 on a majority of their plans if medically necessary. What that means is if a doctor says is medically necessary to test you, you are covered. This includes hospitalization if necessary. Testing for travels reasons and vaccinations are not covered under img's patriot america plus product. Patriot America Plus is one of our most popular comprehensive coverage plans that offers covid-19 coverage and treats covid like any other sickness or illness that can occur.
Patriot America Plus is one of our most popular comprehensive plans available on the market. This is a popular American Visitors Insurance plan for travel to the United States. You also have the option of going with a $0 deductible with 100% coverage up to the policy maximum based on which policy you choose. Patriot America Plus Travel insurance is popular option that uses UnitedHealthcare as their PPO network.
IMG Patriot America Plus does offer acute onset of a pre-existing condition. To learn more about this benefit, please see below.
- Acute Onset of Pre-existing Conditions Insured Person must be under 70 years of age. Up to the Period of Coverage limit
ACUTE ONSET OF PRE-EXISTING CONDITIONS: Subject to the applicable Deductible and Coinsurance and the various limits and sub-limits set forth in the BENEFIT SUMMARY, and the Terms of this insurance, including without limitation the CONDITIONS AND RESTRICTIONS subparagraph below, and in the event the Insured Person suffers or experiences an Acute Onset of a Pre-existing Condition during the Period of Coverage for which immediate Treatment is essential and necessary to stabilize the Pre-existing Condition, the Insured Person will be reimbursed up to the amount shown in the BENEFIT SUMMARY for Eligible Medical Expenses incurred during the Period of Coverage with respect to the Acute Onset of the Pre-existing Condition.
To file a claim for Patriot America Plus, you will need to file the claim with the insurance company IMG Global. When filing a claim, please provide the original documents from the provider, patient’s name, date of service, diagnosis, procedure and/or type of service along with the itemized charges. Here is their claim center - https://www.imglobal.com/claims-center
You can see IMG’s cancellation policy for Patriot America Plus. You can cancel the policy for a full refund if it’s before the effective date of the policy. If you are requesting a pro-rated refund, see the policy below.
Yes, you have the option of purchasing a Patriot America Plus plan monthly. You will have to manually extend your plan as needed as we do not auto-renew any of our Visitors Insurance policies. You will get renewal notices closer to expiration where you can easily extend the policy within a few minutes. Patriot America Plus can be extended up to 1 year and then renewed for an additional year. Each year you will be subject to the deductible and policy maximum of your choosing.
Yes, you will get all your documents in your declaration of medical insurance which will be emailed to you within a few minutes of you completing your application and payment online. All IMG Insurance plans will be emailed to you within minutes of completing everything online. Your confirmation will include, ID Card, Certificate Wording, Universal RX Discount Card, Visa Letter and any applicable riders if purchased.
Our office will also download all your documents and share them via email as well as the PPO link.
IMG Insurance plans will come with a Universal RX Discount Card for pharmacy benefits if applicable with comprehensive plans like Patriot America plus insurance. These are discount cards you can use at the pharmacy. Pharmacy benefits are pay and claim to IMG Insurance for reimbursement on all plans.
Yes, You can purchase Patriot America Plus after arrival. Please keep in mind any pre-existing conditions, sickness and/or illness that happens prior to the policy starting will not be covered. We always recommend buying a Visitors Insurance plan before leaving your home country to include your travel time to your destination.
The Adventure Sports Rider is available for travelers up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hot air ballooning, jungle zip lining, parachuting, paragliding, parascending, rappelling, skydiving; spelunking, whitewater kayaking, wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. A complete list of these sports activities can be found in the exclusions section of the Certificate of Insurance.
You can have your IMG Patriot America Plus plan or any IMG Insurance plans start as early as the next day.
Yes, Patriot America Plus will give you worldwide coverage outside of your home country. When applying, the primary country you will be visiting will be the destination country. Patriot Travel Insurance has both Patriot America Plus for Worldwide Coverage including USA and Patriot International for Worldwide coverage excluding USA. If your trip includes travel to the USA, you will need to purchase Patriot America Plus.
Co-Insurance for Patriot America Plus is 100% up to the policy maximum as long as you go within the PPO network which is UnitedHealthcare. If you go to a provider outside of the PPO network, the Co-Insurance is 80% up to the $5,000 followed by 100% coverage.
For all Visitors Insurance plans including Patriot Travel Medical insurance plans, the coverage starts based on the travel dates you select at time of purchase. We recommend to choose your travel dates based on your travel itinerary to include travel in transit to your destination country and transit back to your home country.
Yes, Patriot America Plus does come with a Universal RX Discount ID. You will receive this discount card with your policy documents upon purchasing a plan including your ID Card, Policy Wording, PPO Link, Visa Letter, Pharmacy Discount Card and any applicable riders added-on at time of purchase.
There is no waiting period on Patriot Travel Medical Insurance plans including Patriot America Plus. The earliest you can start is a policy is the next day. Please keep in mind, these plans will cover the traveler for any new sickness or illness that starts after the policy has started. Pre-exisiting conditions, preventative and/or routine care are not covered under these types of Visitors Insurance plans.
** COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance***
