Patriot America Plus
Comprehensive Coverage, Rated A- (Excellent)By: IMG, UW: Sirius SpecialitySirius Specialty Insurance Corporation
- AM Best Rating
- A- (Excellent)
- Administrator/Underwriter
- IMG
Sirius Specialty Insurance Corporation
In Network
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 80% of the first $5,000, then 100% up to the policy maximum.
COVID-19 Included
Acute onset of Pre-Existing Conditions
Extendable & Cancelable
PPO
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
Patriot America Plus insurance is a medical insurance plan that provides health coverage and emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, for treatments within the PPO network, the plan pays 100% up to the policy maximum; and for treatments outside the PPO network, the plan pays 80% for the first $5,000 and 100% thereafter for each sickness or injury. Outside the USA, the plan pays 100% after deductible.
Please review Patriot America Plus Insurance Brochure 
or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
$15 co-pay applies to walk in clinics.
Co-pay waived if $0 deductible is chosen
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter.
Separate deductible of $250 applies to ER visit for illness that does not result in direct inpatient hospital admission.
This deductible does not apply to injuries, or illness that lead to hospitalization.
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
$25,000 maximum limit for emergency medical evacuation
For people 70 years & over there is no coverage for acute onset of pre-exiting conditions
An acute onset of a pre-existing condition occurs 1) spontaneously and without advance warning either in the form of physician recommendation or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the policy effective date; and 3) prior to the age shown in the schedule of benefits/limits. Treatment must be obtained within 24 hours of the acute onset. A pre-existing condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or treatments, existing or necessary, prior to the effective date are not considered to be an acute onset.
Plan Administrator Company
IMG
Carrier / Underwriter
Sirius Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
Eligibility
Available for any non-US resident who does not have a country restriction. For someone below 65 years of age, coverage must begin within 6 months of arrival in the U.S. and for someone 65 years of age and older, coverage must begin within 30 days of arrival in the U.S. (restriction waived with proof of previous valid insurance within 30 days of the policy start date).
Plan Type
Comprehensive Coverage Plan
Plan pays up to a certain percentage of medical expenses.
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
$25 copay applies for Urgent Care Visit.
$15 copay applies to Walk in clinics.
After that:
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Co-pay waived if $0 deductible is selected
Co-Insurance
After the Insured pays the deductible:
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
How the Benefits are Paid
After Deductible is met,In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter.
Outside the USA, plan pays 100% up to the policy maximum.
Coverage Type
Lifetime of the policy
Deductible Type
Annual deductible, Only one time in a year.
Renewability
Extendable with a $5 fee each time you extend, up to a maximum period of 2 years.
Cancellation
Full refund available if cancelled before the policy start date.
Prorated refund available after start date only if no claims have been made
$50 cancellation fee applicable if cancelled after start date
PPO Network
Coverage Length
Min 5 days-Max 12 Months, coverage can be extended up to 2 years by renewing
Available Deductibles
Choose From: $0, $100, $250, $500, $1,000, $2,500
Available Coverage
Choose From: $0, $100, $250, $500, $1,000, $2,500
Co-pay is waived if $0 deductible is chosen.
Provider Directory
By Provider, Phone Nos.: 800-628-4664 or 317-655-4500
Plan Brochure
Home Country Definition
U.S. Citizens: Home Country is always the United States of America.
Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.
US States Restrictions
No state restrictions
Country Restrictions
Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana
Patriot America Plus Insurance FAQs | ||||||||
| Q1: Am I eligible for the Patriot America Plus Plan? The Patriot America Plus Plan is available for any non-US Resident, visiting the USA for a short period of time. It is available for US citizens, and Non US citizens who live outside USA permanently, and are traveling to the USA for a short time. | ||||||||
| Q2.What Information do I need to buy the Plan? You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan. | ||||||||
| Q3: When will I receive my ID card? You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online application, if you select online fulfillment you will not receive anything in the mail (paper mail), but you will receive confirmation in your e-mail. If you select paper mail/snail mail then you will receive the ID card in the mail within 5-10 business days. You can also retrieve your ID card using MyIMG: Get My ID Card | ||||||||
| Q4.Can I extend the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 30 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge. | ||||||||
| Q5.Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Patriot America Plan, if you need to go back earlier than plan. The following rules apply: | ||||||||
| Q6.Are pre-existing conditions covered by the Patriot America Plus Plan? Pre-existing conditions are not covered by Patriot America Plus Plan. However the Patriot America Plus Plan covers for an acute onset of pre-existing conditions for people up to 69 years of age. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition. | ||||||||
| Q7.What is an acute onset of pre-existing condition? An acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition. | ||||||||
| Q8.What's the Rx Discount Card that comes with this plan? This is a discount savings program available to every certificate holder of the Patriot travel plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot travel plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan. Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card | ||||||||
| Q9. What is the Sports riders options? Adventure Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Adventure Sports Rider Coverage. It is available for those up to the age of 64. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. The maximum coverage for Adventure sports rider for different age groups are the following:
| Q10: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Patriot America Plus, which is the UnitedHealthcare PPO Network. You can search for doctors or hospitals in this Provider Directory. | Q11: How do I use this insurance? Please refer to the following article about the policy usage: | Q12: How do I file a claim? Please refer to the following article about the policy usage: How Does Visitor Insurance Work? | Q13: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis? Based on the desired coverage length you have selected, you have to make the full payment at once. Since this plan is extendable you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension. | Q14: Where can I find answers to other questions I have? Please refer to the Visitors Insurance FAQs section. Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information Q15. Does Patriot America Plus cover coronavirus? If you purchased the policy on or after September 1, 2020, Patriot America Plus will cover COVID-19 as any other eligible illness. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | Q16: Does Patriot America Plus cover the Coronavirus vaccination? Patriot America Plus doesn't cover COVID-19 vaccinations but will cover COVID-19 treatment and services the same as any other eligible condition if COVID-19 is contracted after the policy effective date. Preventative care related to COVD-19, like vaccinations, aren't covered under the policy. Please login to My Policy to view your plan specific documents for any limits or exclusions. | Q17. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
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.
