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, and more. Patriot America Insurance covers trips between 5 days to 12 months at a time. The plan can be renewed for a maximum of two years.

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

How was your experience with
Patriot America Plus Insurance?
 

Plan Highlights

AM Best Ratings
A
Coverage Type
Comprehensive
Renewability
Yes
Who Can Buy It
US & Non US citizens who permanently live abroad & are traveling to the USA
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
Ranjith
April 17, 2019, 10:46 am
It's good and I would suggest this with my contacts for sure. Very good insurance for all parents whoever visiting USA.
SORNA MANI SATHYA MOORTHY
April 10, 2019, 3:31 pm
Its a trust-able & reliable insurance for a person who is visiting USA. In my experience i opt for this insurance, and in an emergency I've to visit the doctor. I haven't paid anything from my pocket. Everything was covered and all my claims are processed in a systematic time as per the process. And even they will give some discount cards for buying the medicines in case if some medicines are not covered under this insurance. I would suggest this to my friends for sure.
International Medical Group (IMG) Logo
International Medical Group (IMG)
April 11, 2019, 5:47 am
Thank you for sharing your feedback about International Medical Group® (IMG®)! We love hearing from happy customers and look forward to continuing to serve you. It is our privilege to provide you Global Peace of Mind®.

Best,
IMG Customer Service
G L
December 27, 2018, 9:25 am
Sharing my personal experience which will hopefully save folks some money. I purchased the patriot america plus plan for my parents (indian citizens) visiting USA (have been doing for past several years). I bought that plan as it was comprehensive, had PPO network and covered "acute onset" of pre-existing conditions. My mom had no "pre-existing" condition and she always got a full medical checkup and a clean bill of health from one of the best hospitals in India before visiting US. This time unfortunately, she had a a cardiac arrest while in US and had to under go emergent bypass surgery. I had a horrible experience working through IMG and seeing the ugly side of american healthcare system. First they denied the "pre-approval" for surgery which takes a whopping 5 days to process. So you've already had the surgery by the time they decide on even the pre-approval. The reason for denial was "pre-existing" condition. They also denied all the claims after the fact as "pre-existing" as well. No explanation for how they came to that conclusion. Just the 2 words - "pre-existing". I went through their appeal process and submitted mom's comprehensive medical records for last 3 years which showed all her vitals, labs in green. They finally gave me an answer that heart conditions are considered chronic. Even if the patient didn't know about it, and none of the tests showed it, artery blockage doesn't happen overnight. Wow.. Human bodies deteriorate over time. So from that perspective everything (short of an accident) in the world is pre-existing. I have given up on the fight with IMG and patriot america. Hopefully this review will help people save some money or at least be informed of the risks. My recommendation would be to never invite parents over unless you can buy a comprehensive plan which covers pre-existing conditions for travelers. And that does not exist to the best of my knowledge. .
International Medical Group (IMG) Logo
International Medical Group (IMG)
January 02, 2019, 7:24 am
We are sorry we did not meet your expectations. We value your feedback and take concerns such as yours very seriously. Although IMG will not discuss the details of claims in a public forum, we welcome the opportunity to further discuss your claim privately. Please contact us directly at www.imglobal.com/contact so we can continue this conversation.

Best,
IMG Customer Service
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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