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Patriot Plus : Reviews, Ratings, and Feedback

Patriot Plus

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

IMG Patriot Plus (A.M. Best Rating: A-) is a comprehensive travel medical insurance plan for international visitors seeking enhanced medical coverage while visiting the United States. Access to the UnitedHealthcare PPO network, comprehensive medical benefits, and acute onset coverage for eligible pre-existing conditions make it a popular choice for family visits, vacations, and business travel. Coverage is available from 5 days to 365 days.

While in the U.S., after the deductible is satisfied within the United Healthcare PPO network, the plan will pay 100% of eligible medical expenses up to the policy maximum. Outside of the PPO network, the plan will pay 90% of the first $5,000 of eligible medical expenses, then 100% thereafter.

Patriot Plus does not cover pre-existing conditions. Includes acute onset coverage of pre-existing conditions up to the policy maximum for travelers under age 70.

Review the Patriot Plus Insurance plan policy documents for complete and accurate coverage and exclusions.

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