in my opinion, IMG insurance will definitely reject almost all your claims (even diarrhea) saying that it was a pre-existing condition. Even if you have a PATRIOT AMERICA® Plus which must cover an "acute onset of pre-existing condition". I had two policies (one from 27 Apr till 10 Oct 2017, and another from 14 Oct 2017 till 03 Nov 2017). I forgot to renew the first one because of the moving to another city. The first symptoms of diarrhea started on 5 Oct 2017. I didn't go to a doctor and took a tablet I had in my home box of medications. It helped for 2 days. Then the symptoms returned. Every time this medication helped me only for two days. On 15 Oct 2017 I went to an Urgent Care. So the first signs of the diarrhea were on 5 Oct when I had a valid insurance policy. And I went to doctor with acute diarrhea on 15 Oct with my new valid policy. IMG insurance rejected my claim for this UC visit insisting that it was pre-existing and that it was not covered. But (!) my insurance policy says "Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance except and unless the Charges resulted directly from an Acute Onset of 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". Lately after antibiotic treatment I was prescribed by a doctor from the UC I developed C.Diff. (I provided IMG a test result from ER I had to go in early Nov 2017, thanks to my husband's insurance) The symptoms were different. I went to the same UC on 31 Oct 2017. And IMG also refused to cover that visit saying that it was pre-existent condition. But it was new condition developed from the antibiotic treatment I was prescribed! I provided all the supporting documents from the Hospital ER. Thus I claimed IMG $654 for two visits to Urgent Care with acute diarrhea and abdominal pain due to C.Diff (life threatening condition, BTW) respectively but IMG rejected these my claims. In my opinion, even if the "acuteness" of a disease is obvious IMG won't pay for your UC visits. I haven't seen the worst insurance company as IMG that doesn't cover even diarrhea or C.Diff. What's the purpose of their coverage?