Why Is The Patriot America Plus Insurance Plan Worth Buying
Read the reviews, ratings and highlights to decide for yourself
Excellent customer feedback and several positive reviews makes Patriot America Plus one of the most sought after visitor insurance plans. The following features set it aside from others and makes it a popular choice among travel medical insurance plans:
Buying Patriot America Plus gives satisfaction as well as peace of mind knowing that you can enjoy your trip worry-free because Patriot America Plus understands your needs as a traveler outside your home-country.
What Coverage And Benefits Are Offered By Patriot America Plus Insurance
Patriot America Plus provides short-term travel medical coverage outside the residence. The plan is available to US citizens as well as non-US citizens whose residence is not in the US and needs coverage in the US. In-network, the plan waives the co-insurance. Deductibles are waived for Urgent Care and have a $25 co-pay. The plan can be purchased from 5 days to 12 months and then renewed up to 2 years for continuous coverage.
- Coverage for Hospitalization, ER, Dr. Office Visits, Prescription Drugs for individuals, groups, and their dependents
- Urgent Care $25 copay and No Deductible
- Walk- In Clinic $15 copay and No Deductible
- In-Network, Coinsurance waived
- COVID-19 coverage for travelers to the U.S.
- Coverage for non-chronic Acute Onset of Pre-Existing Conditions for people under the age of 70 years.
Patriot America Plus Insurance For Visitors To The Usa
- Who: Patriot America Plus Insurance is available for Non-U.S. residents who need temporary medical insurance while traveling for business or pleasure to the United States. Ideal for parents, family or friends visiting the US from their home country.
- What: Patriot America Plus Insurance Plan provides comprehensive and affordable visitor medical insurance that includes benefits such as hospitalization, prescription drugs, and urgent care visits. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of five days up to a maximum of two years.
- Where: Provides coverage in the United States.
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Other Important Privacy Information
Below you will find additional privacy information you may find important. Much of this describes common practices that we want you to know about and some of this is just stating the obvious . Please keep in mind that this information is not a complete description of our practices this is all in addition to the other, more specific information contained in the privacy statements, agreements and releases relating to each IMG product and service you use.
Sharing Or Disclosing Personal Information
Except as described in this privacy statement, we will not disclose your personal information to a third party without your prior consent and as permitted under applicable laws.
We may share your information with third parties who provide services on our behalf to help with our business activities. These companies are authorized to use your personal information only as necessary to provide these services to us. When we share information with these other companies to provide services for us, they are not allowed to use it for any other purpose and must keep it confidential. These services may include:
- Adjudicating and managing the claims process
- Payment processing to healthcare providers
- Providing customer service
- Sending marketing communications
In addition to any sharing described in the privacy statement for the product or service you are using, IMG may share or disclose personal information with other IMG controlled subsidiaries and affiliates. For your choices on this type of sharing, please contact .
We may also share some search query data with selected third parties for research purposes. Before we do so, we remove all unique identifiers such as IP addresses and cookie IDs from the data. We also run the data through a process designed to remove identifiable information that users may have included in the search terms themselves . Additionally, we require these third parties to keep the data secure and not to use the data for any other purposes.
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Who Is Eligible For Patriot America Plus Insurance
Patriot America Plus provides coverage to Non-U.S. residents who need temporary medical insurance while traveling for business, studying or pleasure to the US.
In order to be eligible and qualified for coverage under Patriot America Plus, a person must meet all of the following requirements:
Patriot America Plus Review
Notes: Popular IMG policy with Covid-19 coverage included for visitors to the USA and travelers outside home country, has sudden relapse with acute-onset pre-existing condition benefits for ages below 70 years.
Eligibility: Any foreign resident, 14 days up to 99 years old individuals and/or family visiting the USA, and traveling outside home country.
Coverage Duration: Minimum of 5 days to maximum of 1 year
- Member maximum limits: $50K to $1 million
- Choice of deductible: $0 to $2,500
- AD& D benefit: $25K
PPO Network: For treatment received within USA, plan uses UnitedHealthCare or FirstHealth Preferred Provider Organization network , NO co-insurance applies when you stay within the IMG PPO network to consult a doctor or hospital for medical care.
- Foreign nationals visiting the USA
- Sickness/injury plans for visitors to America
- Acute-onset of pre-conditions included
- Quote & purchase online for single trip
- Optional Adventure Sports Rider available
- Optional Evacuation Plus Rider add-on
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What Information Is Needed To Buy The Plan
The application will need the following information of the visitor: name, date of birth, residence address and email address to send the insurance documents. If you have a passport number, you can enter it. A valid credit card will be required to complete the purchase.
Immediately after submitting the application, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.
Coverage For Medical Equipment
Coverage for loss or theft of your luggage is part of most standard travel insurance plans, and your medical equipment can count as luggage. So, yes, you can find a company that will cover your mobility or hearing aids, but it will not be for the full price of the equipment.
Most policies exclude valuable or expensive items by default, so if your wheelchair or hearing aids are on the more expensive side, they may not be automatically covered, but you can choose to pay more on premiums and have enough coverage for it as well.
- You will not be reimbursed for the full price of your belongings. There is usually a limit to how much the company will pay per item .
- You will not be reimbursed if you lose or damage your belongings because of recklessness .
- The travel insurance company will ask for the receipts showing the cost of the items that were stolen, damaged or lost before they consider your claim. They will also ask to see a police report or report from the airline that they have misplaced your luggage/items. Read the policy rules to learn what you need to present in case you have to make a claim.
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What Is The Acute Onset Of Pre
A sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person
knew or reasonably foresaw he/she would receive,
knew he/she should receive,
had scheduled, or
were told that he/she must or should receive, any medical care, drugs or Treatment.
Is It Possible To Get Travel Insurance If I Have A Mental Illness
You may find it difficult to find a travel insurance company that actively offers coverage for treatment of mental illnesses such as anxiety or depression, schizophrenia, or bipolar disorder but it is not entirely impossible.
If a travel insurer does offer coverage for mental health, then they will likely ask you to undergo an assessment first to determine your state prior to the travel. The insurance company can offer you coverage if you are not actively struggling with any mental health problems at the time you purchase the policy, and you can prove that you have not dealt with mental health problems in the past 1-5 years.
Another instance in which travel insurance companies offer mental health coverage is if the mental illness appears for the first time ever during the trip.
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Browser Controls For Do Not Track And Tracking Protection
Some IMG browsers have incorporated Do Not Track features. Most of these features, when turned on, send a signal or preference to the web sites you visit indicating that you do not wish to be tracked. Those IMG sites may continue to engage in activities you might view as tracking even though you have expressed this preference, depending on the sites privacy practices.
Most web browsers have a feature related to tracking protection that helps prevent the websites you go to from automatically sending details about your visit to third-party content providers. When you add a tracking protection list, the browser may block third-party content, including cookies, from any site that is listed as a site to be blocked. By limiting calls to these sites, the browser will limit the information these third-party sites can collect about you. And when you have a tracking protection list enabled, certain browsers may send a do not track signal or preference to the web sites you visit. For more information about Tracking Protection Lists and how to find them, please see your browsers privacy statement or help documentation.
Patriot America Plus Travel Medical Insurance For Non
Patriot America Plus Travel Medical Insurance is designed for non-US residents traveling out of their country of residence to destinations including the US, regardless of visa type. Cost starts at about $1/day. Purchase 5 days – 1 year, and renewable up to 2 years. After submitting an application online successfully, you will receive an Email in a few minutes which contains your insurance ID card and your confirmation letter . You can use the confirmation letter as proof of your insurance.
Patriot America Plus has more benefits than Patriot America because coverage includes medical expenses for acute onset of pre-existing conditions prior to age 70. Acute onset pre-ex is covered up to the selected benefit limit. Patriot America Plus covers COVID-19 same as any illness.
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Patriot America Plus Insurance Is An Excellent Visitors Medical Insurance For Relatives Traveling To Usa
It has the following key features:
- Policy maximums available from $50,000 to $1,000,000.
- Deductible choices available from $0 to $2,500.
- After you pay the deductible, the plan pays 100% up to the chosen policy maximum.
- Visit a U.S. Urgent Care with a $25 copay or a U.S. Walk in Clinic for $15 if you choose a $0 deductible, then you don’t have a copay.
- Patriot America Plus insurance participates in theUnited Healthcare PPO Network, which has an extensive network of healthcare providers all across the United States.
- Patriot America Plus insurance cover acute onset of pre-existing conditions up to the policy maximum for persons below the age of 70 years.
- Patriot America Plus insurance can be purchased from 5 days to 1 year, and can be renewed for a total of 2 years.
- Prescription drug discount card is provided at no extra charge.
Expand Your Coverage Select Your Coverage Options With Add On Benefits
Adventure Sports Rider
Available for those up to the age of 65 years.If you are a thrill-seeking traveler who enjoys life’s more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your insurance policy.
- Age 0-49 years: $50,000 certificate period
- Age 50-59 years: $30,000 certificate period
- Age 60-64 years: $15,000 certificate period
*Rider option is available in select countries on individual plans only.
Trip Cancellation, Interruption and Travel Delay Rider**
Should something unexpected happen before or during your trip, this rider can protect you from financial losses with coverage for trip cancellation and interruption, travel delay benefits, and more. While all Patriot plans include benefits for return travel, the Trip Cancellation, Interruption, & Travel Delay Rider provides coverage for trip cancellation, travel delay, and trip interruption perils. II you are prevented from taking your trip for a covered, unforeseen reason, travel insurance can reimburse up to 100% of your prepaid, non-refundable payments or deposits that would otherwise be forfeited.**Rider option is available an individual plans far U.S. residents only.
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What If I Have To Cancel My Trip Because Of My Disability
Travel insurance plans usually have a list of what is considered a valid reason for reimbursement if you cancel your trip. Suddenly becoming ill, getting into an accident, or other health-related reasons usually make the cut.
However, they may refuse to offer coverage if it is for a pre-existing condition. This is why it is important to ask the insurers and read the policy carefully for what is included and what is not.
If you are worried that your disability may stop you from going on a trip you have paid for, you can always consider Cancel For Any Reason coverage, which is just as the name suggests: You can cancel your trip and will be covered, whatever the reason is.
There are, of course, some rules and it is more expensive than other cancellation policies, but if you have invested a large sum of money on a trip, it may be worth it.
Patriot Plus Insurance Ppo Network
IMG Patriot America Plus Insurance has an extensive USA based and international PPO network of doctors, hospitals, diagnostic labs, and other caregivers. The plan uses the third-party FirstHealth PPO network or the UnitedHealthCare PPO network for doctors, caregivers and providers.
- Provider Network: Search and find doctors, hospitals, labs, and other providers within the IMG PPO Network to to save on coinsurance charges.
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What Pre Existing Conditions Does Travel Insurance Cover
If you have a hearing or vision impairment or a mobility disability which requires the use of a wheelchair, you will likely be covered for it, provided you didnt need medical assistance or treatment about it in the last year.
You can also receive coverage for pre-existing conditions such as hypertension, asthma, diabetes, lung diseases, epilepsy, coronary problems, etc. provided that it has been stable for a specific period of time
|Pre Existing conditions|
*depending on the policy
In other words, if your condition is considered stable, you will have less difficulty finding travel insurance with adequate coverage. In this case, you will have to pay extra to have your condition covered, and you may be asked to present a doctors certificate.
You will not be covered for any condition that is unstable, terminal in nature, or that carries a high risk of complications or fatality.
Visitors Insurance For Travelers With Pre
Travel Insurance is designed to cover any new incidence from the time the policy becomes effective. Most travel insurance plans don’t cover pre-existing conditions. Travel insurance that covers pre-existing conditions is generally through the acute onset of pre-existing conditions coverage.
Pre-existing medical conditions are those identified, treated, or medicated for before insurance coverage began. The acute onset of a pre-existing ailment is a sudden recurrence or outbreak without warning.
Chronic care like diabetes and hypertension is not a travel insurance policy benefit. If the traveler has a sudden medical emergency caused by a pre-existing ailment, travel insurance that covers acute onset of pre-existing conditions, may cover such conditions.
Medical insurance for visitors with pre-existing conditions with acute onset of pre-existing conditions coverage warrants that the policy holders condition must be life-threatening and require immediate care.
Chronic health conditions shouldn’t prevent you from traveling. Purchasing visitors insurance for pre-existing conditions, the acute onset coverage will help you travel worry-free.
Before your next trip, pre-existing condition holiday insurance is essential. Travelers with pre-existing medical issues should look for comprehensive coverage plans.
Why Patriot America Plus Insurance Is Best For Visitors
With Patriot America Plus you can build your plan by choosing your policy maximum and deductible providing you flexible coverage when you travel to the US. It is a complete package with international benefits for individuals, families, and also groups of five or more travelers.
Plan Benefits: Provides coverage for medical illnesses and injuries for in-patient and out-patient treatment as well as Urgent Care. Additional benefits include acute onset of non-chronic pre-existing conditions as well as AD& D, Trip Interruption, Repatriation, Evacuation, and more. You can review the complete benefits in the Brochure.
Pre-existing: Covered up to the chosen policy maximum when treatment is obtained within 24 hours for acute onset of nonchronic pre-existing conditions under 70 years.
PPO Hospital Network: You can search for providers in the network at United HealthCare PPO Network.
Special Feature 1: Includes medical coverage for eligible expenses related to COVID-19
Special Feature 2: Optional coverage for Adventure Sports.
Special Feature 3: Customizable coverage to meet your needs with the Enhanced AD& D Rider, Evacuation Plus Rider, and Chaperone/Faculty Leader Replacement Rider