Patriot America Plus Insurance

Patriot America Plus Insurance provides comprehensive medical coverage for travel to the USA for individuals and families who live outside the USA. After the deductible is satisfied by the insured person, this insurance plan pays 100% within the PPO network, up to the policy maximum. The plan provides travel medical protection including out-patient treatment, in-patient treatment, emergency services, emergency medical evacuation, COVID-19 treatment and more. Patriot America Plus Insurance covers trips between 5 days up to 12 months at a time. The plan can be renewed for a maximum of two years.

Expert Reviews Why Trust this Review?

Notable Features
  • Comprehensive travel medical insurance for an affordable premium
  • Coverage for COVID-19 like any other new condition
  • 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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Patriot America Plus Insurance?
 

Plan Highlights

AM Best Ratings
A
Coverage Type
Comprehensive
Renewability
Yes
Who Can Buy It
Non-US residents
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
UnitedHealthcare
Emergency Assistance Numbers
317-655-4500
Underwriter
Sirius International
Provides Coverage for
USA or International
Cancelable
Yes (conditions apply)
Not Available in
No state restrictions
Acute Onset of Pre-Existing Conditions
Yes

How to Buy Patriot America Plus Insurance?

Latest User Reviews Ratings, Feedback, and Complaints
AS
May 04, 2020, 9:13 pm
Worst Insurence. They don't cover anything and you will end up paying everything finally. All the claims will be treated as a pre-existing condition. Take my suggestion and never buy this insurance or you will have to pay for all the medical expenses.and one more thing they will take forever to process any claims .
International Medical Group (IMG) Logo
International Medical Group (IMG)
May 07, 2020, 10:27 am
It’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at RatingsandReviews@imglobal.com to start the conversation.

Best,
IMG Customer Service
Anuja
December 10, 2019, 6:58 pm
I will not recommend this for any visitor with pre-existing conditions. I took this insurance for my parents visit only because acute onset preexisting is covered. But when my mother had an emergency treatment , they denied the claim stating "pre-existing" . there is no definite answer for them to give for what is acute onset pre-existing . Worst experience ever. I had to follow up 2 months on the claim and finally they denied claim
ManikR
June 10, 2019, 9:21 am
We got Patriot America for our parents while they were visiting the US. It was a very easy process to get started. We also had a couple of visits and the network coverage is good.
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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