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Patriot Plus : Reviews, Ratings, and Feedback

Patriot Plus

Comprehensive Coverage, A.M. Best Rating: A
Underwriter: SiriusPoint Speciality Insurance Corporation

Patriot America Plus Insurance is a short-term travel medical insurance plan designed primarily for non-U.S. residents visiting the United States for business, vacations, family visits, study programs, and other temporary stays. Administered by International Medical Group (IMG) and underwritten by SiriusPoint Specialty Insurance Corporation, the plan provides coverage for eligible medical expenses, with maximum limits available up to $1 million and deductible options ranging from $0 to $2,500.

For travelers comparing visitor insurance for the USA, Patriot America Plus stands out for its broad medical coverage options and benefits such as emergency medical evacuation and coverage for the acute onset of pre-existing conditions for eligible travelers under age 70. Coverage is subject to the policy's eligibility requirements, limits, exclusions, and terms. If you're looking at Patriot America Plus travel insurance, reviewing the specific certificate and understanding how the benefits apply to your situation can help you decide whether this visitor insurance plan fits your temporary U.S. stay.

Learn more about 4 optional add-on benefits available on this plan.

Plan Highlights

  • After the deductible, plan pays 100% of eligible medical expenses within the United Healthcare PPO network; Outside the PPO network, plan pays 90% of eligible medical expense up to $5,000, then 100% thereafter
  • Acute Onset of Pre-Existing Condition Coverage
  • Emergency Medical Evacuation
  • Urgent Care Visits
  • Emergency Room Services
  • Emergency Eye Exam Coverage
  • Emergency Dental Coverage
  • Prescriptions/Medication
  • COVID-19 Coverage: Included
  • Pre-Existing Conditions: No Coverage
Key Metrics

Key Metrics

  • Administrator: IMG
  • Underwriter: SiriusPoint Speciality Insurance Corporation
  • Best Suitable for: Non U.S residents traveling internationally, including the USA
  • Eligibility (Who can buy this travel insurance?): International including USA
  • Type of coverage: Comprehensive Coverage Plan
Reviews and Ratings

Reviews & Ratings

  • A.M. Best Rating: A
  • Licensed and Regulated by the United States Department of Insurance
What's Good

What's Good

  • PPO Network
  • After the deductible plan pays: 100% up to the policy maximum within the PPO Network
  • International Coverage including the USA
  • Acute onset of Pre-Existing Conditions
  • Extenable/Renewable
  • Cancellable
  • Emergency Medical Evacuation: Up to $1,000,000
  • Optional Adventure Sports Rider
  • Optional Evacuation Plus Rider
  • COVID-19 Included
What's Not So Good

What's Not So Good

  • No Acute Onset Coverage for those above the age of 70
  • $10,000 maximum limit for travelers over 80 years of age
  • $50 cancellation fee

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Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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VisitorsCoverage Support