Patriot America Plus Insurance

Patriot America Plus Insurance provides comprehensive medical coverage for non-US citizens traveling to the US or other foreign countries outside their home country. This visitors health insurance plan pays 90% of the first $5,000 (within the PPO network) and 100% thereafter for covered expenses after the deductible is satisfied. Travel medical protection offered by Patriot America Plus includes out-patient treatment, in-patient treatment, emergency services, emergency medical evacuation, and more. Patriot America Plus Insurance covers trips between 5 days and 24 months.

Patriot America Insurance Plus - Product Video

Expert Reviews Why Trust this Review?

Noticeable Features
  • Comprehensive travel medical insurance for an affordable premium
  • Acute onset of pre-existing conditions coverage
  • Deductible is required once per policy period
  • PPO Network

Limitations
  • Low policy maximum for ages 80+
  • Maximum 24 months coverage
  • No acute onset of pre-existing conditions coverage for ages 70+

Expert Opinion
Patriot America Plus Insurance is best suited for international travelers visiting the US or outside their home country. This policy also meets the requirements for Schengen Visa Travel Insurance and Europe Travel Insurance. A letter of proof of insurance can be provided for visa purposes.

Overall Ratings

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Plan Highlights

AM Best Ratings
A
Coverage Type
Comprehensive
Renewability
Yes
Who Can Buy It
Non-US citizens traveling outside their home country
Contact Information
800-628-4664
317-655-4500
Administrator
IMG
Coverage Duration
5 days to 24 months
Refund Policy / Look-up Period
Yes (conditions apply)
Providers Network
First Health Network
Emergency Assistance Numbers
317-655-4500
Underwriter
Sirius International
Provides Coverage for
USA or International
Cancelable
Yes (conditions apply)
Not Available in
Maryland (MD)
Acute Onset of Pre-Existing Conditions
Yes

How to Buy Patriot America Plus Insurance?

Latest User Reviews Ratings, Feedback, and Complaints
Diego A Sanudo Ugarte Verified buyer April 19, 2018, 11:18 am
Unreliable health insurance. A complete scam of your money. IMG will reject almost all of your claims stating that your illness is of previous existing condition! I went to see a Dr because I had a severe sore throat and the doctor requested lab work. Well... two months later, I got the bill from the Dr and the bill from Quest laboratory requesting payment because my insurance (IMG) had denied the claim stating that the sore throat was of a pre exsisting condition!!! Stay away from this insurance... a complete scam of your money.
Galina Lazareva Verified buyer March 23, 2018, 12:17 am
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?
YUGAL KISHORE SHARMA Verified buyer March 22, 2018, 1:46 pm
We had a unwanted situation with my father just 4 days prior to he was to fly back to India and had to be admitted to ER. All the medical claims were satisfactorily processed. Only wish claims processing were a bit faster or atleast some timelines were provided of it resolution. Overall we are satisfied and would recommend to use.
Disclaimer: Information presented here is high level and for your convenience only; it may not be accurate and is subject to change. Please review your policy document or brochure for the terms and conditions, a detailed description of coverage, benefits, limitations, and exclusions.
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