PA+

Patriot America Plus

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
IMG
Sirius International
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

80%
Out of Network

Plan pays 80% of the first $5000, and 100% up to the policy max

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 365 days
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Urgent Care
BUY

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 brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Out-Patient

Dr. / Physician Visit

In-Network: 100% covered up to 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

Urgent Care

$25 co-pay applies for Urgent Care.
$15 co-pay 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
Outside USA: the plan pays 100% up to the policy maximum

Surgical Treatment

In-Network: 100% covered up to 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

Prescription Drugs / Medicines

80% covered for first $5,000
100% covered thereafter

Lab & X-rays

In-Network: 100% covered up to 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

Physical Therapy

In-Network: 100% covered up to 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

In-Patient

Hospital Room

In-Network: 100% covered up to 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

Surgical Treatment

In-Network: 100% covered up to 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

Hospital Intensive Care Unit

In-Network: 100% covered up to 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

Emergency Services

Ambulance Expenses

In-Network: 100% covered up to 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

Emergency Room(ER)

In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter

Additional $250 Deductible applies for visits to ER for sickness that does not lead to immediate Hospitalization.

This deductible does to apply to any covered injuries and sicknesses that lead to Hospitalization.

Outside USA: the plan pays 100% up to the policy maximum

Dental

Acute, spontaneous and unexpected pain

Up to $300

Accidental emergency

In-Network: 100% covered up to 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

Travel

Emergency Medical Evacuation / Repatriation

Up to $1,000,000

Return of Remains

Coverage up to a maximum of $50,000 for return of Mortal Remains to home country or up to $5000 for the preparation, local burial and cremation of your mortal remains at the place of death.

Emergency Reunion

Up to $50,000

Return of minor Child(ren)

Up to $50,000

Trip Interruption

Up to $5,000

Loss of checked Baggage

$50 per item up to $250 max per period of coverage

Life

AD&D

$25,000 principal sum

Common Carrier Accidental Death

$50,000 to beneficiary; max $250,000 per family

Other

Pre-Existing Conditions

For people up to 69 years of age, plan pays up to the Maximum Limit per Period of Coverage;
$25,000 Maximum Limit per lifetime for Emergency Medical Evacuation
For people 70 years & over there is no coverage for acute onset of pre-exiting conditions
A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. 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

Maternity

Not Covered

General Physical full Checkup

Not Covered

Terrorism Coverage

Up to $50,000 lifetime maximum

Brochure

Support

24-Hrs Emergency Assistance

Yes. Contact number and details can be found on the ID card.

Plan Administrator Company

IMG

Carrier / Underwriter

Sirius International

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.

AM Best Rating

A (Excellent)

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-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

Renewable with $5 fee each time you renew, up to a maximum period of 2 years.

Cancellation

Full refund available if cancelled before policy start date. After the policy becomes effective, refund is available only if there has been no visit to doctors during the coverage period. Only full months are considered for refund. $50 Cancellation fee applies.

PPO Network

First Health 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: $50,000; $100,000; $500,000;
Ages 80+: Limited to $10,000

Provider Directory

By Provider, Phone Nos.: 800-628-4664 or 317-655-4500

Plan Brochure

Patriot America Plus Insurance Brochure 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

Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State

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 renew the plan, if I plan to stay longer?

Yes, if you buy the plan initially for more than 30 days, you can renew the policy. You would need to renew the plan at least two days before the policy expires. There would be an extra $5 renewal 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 Plus Plan, if you need to go back earlier than plan. The following rules apply: 1) You can get refund back, only if you do not need to visit the doctor/provider while the policy is in force. 2) You can get the refund back only on a full month basis. So if you have less than a month of coverage left in the policy, you would not get any refund back. If you have one month and 20days coverage left in the policy, you would get get the refund for only the full month, and not the extra 20 days. 3) $50 cancellation fee applies. 4) If there is any claim on file, you would not get any refund back.

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:

  • Age 0-49 Maximum Coverage-$50,000
  • Age 50-60 Maximum Coverage- $30,000
  • Age 60-64 Maximum Coverage- $15,000

Q10:What is Evacuation Plus Rider?

Medical Evacuation is provided for only Emergency life threatening medical emergency in the Patriot America Plus Plan. This optional rider can be purchased with additional premium. It would be available to insured persons, up to 64 years of age. It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster. This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Q11: 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 FirstHealth PPO Network.

You can search for doctors or hospitals in this Provider Directory.

Q12: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q13: How do I file a claim?

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

Q14: 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 renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.

Q15: Where can I find answers to other questions I have?

Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section. If you still have questions, please call our support line toll free: 1.866.384.9104

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

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.