Patriot America Plus Insurance: Benefits, Coverage, & Eligibility

Patriot America Plus Insurance: Benefits, Coverage, & Eligibility

With natural and man-made wonders spanning the expanse of this majestic country and plenty of opportunity to immerse oneself in a pot of melting cultures, there is no doubt that America remains one of the top destinations to visit in the world. Amidst these exhilarating experiences arise a wide range of risks and potential problems.

One smart solution for travelers worldwide is buying a comprehensive insurance plan such as Patriot America Plus for a plethora of benefits, coverage, and peace of mind. Let’s delve into this further using this immersive guide to Patriot America Plus.

What is Patriot America Plus?

Patriot America Plus is a comprehensive travel medical insurance plan by IMG (International Medical Group), explicitly designed for non-US citizens traveling to the US. It is one of the most preferred plans by international travelers for its wide range of benefits and access to the best medical care, including additional coverage for the acute onset of pre-existing conditions.

How Patriot America Plus Works

Patriot America Plus works like most comprehensive coverage plans with an intent to simplify medical problems that may arise during your trip. Here are some key points to remember on how the plan works.

  • Ensure the plan covers you and your loved ones for the duration of your trip on purchase.
  • You can file a claim when a covered medical emergency has occurred to request direct billing or reimbursement for medical expenses.
  • Be prepared to support your claim by submitting relevant documentation and copies of receipts.

Why Choose Patriot America Plus?

Patriot America Plus is a preferred choice among many international travelers because it offers the best medical coverage, ultimately providing peace of mind during your travel. Since this is a comprehensive coverage plan, you are covered extensively with access to the best healthcare facilities, an interactive MyIMG app to breeze through the claims process, policy renewals or extensions, and customer care of highly qualified coordinators to help you with emergency medical services and coordinate international treatment.

Coverage Options and Plans

The Patriot America Plus plan has varying coverage options that cover a range of medical services, such as hospitalization, room and board, ambulance, emergency dental treatment related to accident, medical evacuation, and acute onset of a pre-existing condition.

The maximum limit per period ranges from $50,000 to $500,000. For treatment received within the US, the plan pays 90% of eligible medical expenses up to $5,000 within the PPO network, then 100% up to policy maximum, and 80% of eligible medical expenses out of the PPO Network up to $5,000, then 100% up to policy maximum.

Patriot America Plus Insurance Cost

The cost of your Patriot America Plus plan depends on several factors, such as your current health condition, length of stay, age, kind of activities undertaken during your trip, place of stay, and more. Considering this is one of the top preferred plans among international travelers, you can expect competitive premiums and a wide range of options for every budget.

Eligibility for Patriot America Plus Insurance

This travel medical insurance plan mainly caters to non-US citizens visiting the US as tourists or on business. Your initial coverage period must begin within 30 days of arrival in the US for those 65 years and older. This requirement will be waived with proof of previous valid international travel medical insurance. Prior US domestic healthcare coverage does not meet this eligibility requirement.

What is covered in Patriot America Plus Insurance?

  • Hospital Room and Board
  • Intensive Care Unit
  • Eligible Medical Expenses
  • Acute Onset of Pre-existing condition
  • Local Ambulance
  • Prescription Medication
  • Emergency Room Accident
  • Emergency Room Illness with Inpatient Admission
  • Dental Treatment Related to an Accident
  • Hospital Daily Indemnity
  • Terrorism
  • Recreation Sports & Activities up to the maximum limit for non-organized, non-contact, and non-collision activities
  • Return of Mortal Remains or Cremation/Burial
  • Return of Minor Children
  • Political Evacuation
  • Loss of Checked Luggage
  • Trip Interruption
  • Accidental Death & Dismemberment.

What is not covered in Patriot America Plus Insurance?

Some exclusions apply to the Patriot America Plus plan.

  • Pre-existing Conditions
  • Routine Medical Visits
  • Maternity and Birth Control
  • Drug or Alcohol Abuse

Patriot America Plus Claims Process

The claims process for Patriot America Plus is pretty straightforward. The provider will submit claim in PPO network directly to IMG, but you still need to complete some formalities. All you have to do is fill out a claim form and submit supporting documentation, such as receipts, reports, and other communication, along with the claim form. The company will then assess your claim before processing the eligible benefits.

Benefits of Patriot America Plus

Here are some of the top benefits of the Patriot America Plus Insurance plan.

  • 1. Comprehensive, wide coverage within the US
  • 2. Coverage of acute onset of pre-existing conditions
  • 3. Customer support
  • 4. Easy claims process, policy renewal, and policy cancellation.


There are a million things to plan for, especially if your trip takes you to an international country. But you are in safe hands with a comprehensive coverage plan, like the Patriot America Plus. Leave the planning and homework of finding the best healthcare to us while you create beautiful memories with your loved ones. Safe travels!


Am I eligible for the Patriot America Plus?

You must be a non-US citizen to be eligible to apply for the Patriot America Plus plan.

What information is needed to buy the plan?

You must provide your personal and travel-related information, such as name, date of birth, travel dates, and payment information, and furnish further information if required.

How much does Patriot America Plus cost?

The cost varies on several factors, such as age, trip dates, policy maximum, and deductible. Get your personalized quote here.

Is there a waiting period for coverage to begin on my travel medical plan?

There is no waiting period. Coverage begins on the start date of your plan.

Are pre-existing conditions covered by Patriot America Plus?

The plan covers the acute onset of pre-existing conditions and is subject to policy limits. There is a difference between pre-existing conditions and acute onset of pre-existing conditions. Pre-existing conditions are excluded.

What if I am traveling to multiple countries, will I be covered?

Patriot America Plus offers coverage primarily within the US. Check with your agent if your travel itinerary includes multiple countries.

Can the plan be renewed? Can I extend the plan if I plan to stay longer?

Yes. Your coverage may be renewed for a total of 2 years, and you can extend your plan up to a maximum of 24 continuous months.

How to claim Patriot America Plus?

You must fill in the details and submit a claim form and relevant documentation to support your claim.

Is Patriot America Plus a good insurance?

Its comprehensive nature, ease of use, access to the best healthcare, and customer support make it one of the best travel medical insurance plans for travelers to the US. Contact our agents to learn about more suitable plans and what fits your needs.

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