PA+

Patriot America Plus Insurance

Patriot America Plus Insurance offers comprehensive medical coverage for individuals and families residing outside of the United States who plan to travel to the USA. This insurance plan pays 100% within the PPO network, up to the policy maximum, after the deductible is met by the insured person. The plan provides travel medical protection, including outpatient and inpatient treatment, emergency services, emergency medical evacuation, COVID-19 treatment, and more.

Patriot America Plus Insurance covers trips ranging from 5 days up to 12 months and can be renewed for a maximum of two years, ensuring that travelers have access to quality coverage for an extended period.

Expert Reviews Why Trust this Review?

Notable Features

Provides comprehensive travel medical insurance at an affordable premium
Coverage for COVID-19 like any other new condition
Offers coverage for the acute onset of pre-existing conditions
Requires a deductible only once per policy period
Utilizes a PPO Network for increased coverage options

Limitations

Low policy maximum for ages 80+
Maximum 24 months coverage
No acute onset of pre-existing conditions coverage for ages 70+

Expert Opinion
Patriot America Plus Insurance is an ideal choice for international travelers visiting the United States.

Overall Ratings

3.9

How was your experience with
Patriot America Plus Insurance?

Plan Highlights

AM Best Ratings
A

Coverage Type
Comprehensive

Renewability
Yes

Who Can Buy It
Non-US residents

Contact Information
800-628-4664
317-655-4500

Administrator
IMG

Coverage Duration
5 days to 24 months

Refund Policy / Look-up Period
Yes (conditions apply)

Providers Network
UnitedHealthcare

Emergency Assistance Numbers
317-655-4500

Underwriter
SiriusPoint Speciality Insurance Corporation

Provides Coverage for
USA

Cancelable
Yes (conditions apply)

Not Available for Purchase in
NY and Maryland

Acute Onset of Pre-Existing Conditions
Yes

Useful Links

How to Buy Patriot America Plus Insurance?

Latest User Reviews Ratings, Feedback, and Complaints

AS |
May 04, 2020, 9:13 pm

Worst Insurence. They don't cover anything and you will end up paying everything finally. All the claims will be treated as a pre-existing condition. Take my suggestion and never buy this insurance or you will have to pay for all the medical expenses.and one more thing they will take forever to process any claims .

27

International Medical Group (IMG)
Responded on May 07, 2020, 10:27 am

It’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at RatingsandReviews@imglobal.com to start the conversation.

Best,
IMG Customer Service

2

Anuja |
December 10, 2019, 6:58 pm

I will not recommend this for any visitor with pre-existing conditions. I took this insurance for my parents visit only because acute onset preexisting is covered. But when my mother had an emergency treatment , they denied the claim stating "pre-existing" . there is no definite answer for them to give for what is acute onset pre-existing . Worst experience ever. I had to follow up 2 months on the claim and finally they denied claim

25

ManikR |
June 10, 2019, 9:21 am

We got Patriot America for our parents while they were visiting the US. It was a very easy process to get started. We also had a couple of visits and the network coverage is good.

2

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Disclaimer: Information presented here is high level and for your convenience only; it may not be accurate and is subject to change. Please review your policy document or brochure for the terms and conditions, a detailed description of coverage, benefits, limitations, and exclusions.

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