Patriot America Plus Travel Medical Insurance is designed for non-US residents traveling out of their country of residence to destinations including the US, regardless of visa type. Cost starts at about $1/day. Purchase 5 days - 1 year, and renewable up to 2 years. After submitting an application online successfully, you will receive an Email in a few minutes which contains your insurance ID card and your confirmation letter (Visa Letter). You can use the confirmation letter as proof of your insurance.
Patriot America Plus has more benefits than Patriot America because coverage includes medical expenses for acute onset of pre-existing conditions prior to age 70. Acute onset pre-ex is covered up to the selected benefit limit.
|Summary of Benefits|
|Insurance Provider||IMG (International Medical Group)|
|Plan Type||Patriot America Plus is for non-US residents traveling outside their residence country and their destinations include the US.|
|Maximum Benefit||$50,000, $100,000, $500,000, $1,000,000|
|Deductible (Insured pays before insurance pays)||$0, $100, $250, $500, $1,000, $2,500|
|Urgent Care Clinic||$25 copay, deductible waived. Not applicable when $0 deductible selected.|
|Walk in Clinic||$15 copay, deductible waived. Not applicable when $0 deductible selected.|
|Illness or Injury Coinsurance||Outside the US there is no coinsurance.
In the US - No Coinsurance in PPO.
In the US - Out of PPO coinsurance is 20% to $5,000 then 0%.
|Hospital Room & Board||Up to the Max for average semi-private room rate|
|Intensive Care||Up to the Maximum|
|Bedside Visit||$1,500 benefit for bedside visitor while in intensive care. Not subject to deductible.|
|Surgery Care||Up to the Maximum|
|Preadmission Tests||Up to the Maximum|
|Doctor Visit||Up to the Maximum|
|Outpatient Surgery||Up to the Maximum|
|Xray and Lab||Up to the Maximum|
|Anesthesia||Up to the Maximum|
|Ambulance||Up to Maximum for injury resulting in needed emergency care, or illness resulting in hospital admission. Otherwise not covered.|
|Emergency Room||URC for injury or illness resulting in hospitalization. Additional $250 deductible for illness without hospitalization|
|Prescription Drugs||Up to the Maximum|
|Accident Dental||$300 maximum due to dental accident or unexpected pain to sound natural teeth. Up to the maximum benefit for treatment at a hospital due to an accident including follow up treatment at a dentist.|
|Accidental Death & Loss of Limb||$50,000 principal sum|
|Hospital Indemnity||$250 per overnight inpatient stay, 10 maximum|
|Repatriation of remains||Up to the Maximum|
|Pre-existing conditions (Illness or Injury)||Acute Onset of pre-existing conditions
Up to age 69 - up to the maximum.
|Group Pricing||5 or more primary insured have about 10% discount|
|More Information||UnitedHealthcare Options network (in the US) provides access to broadest top tier national network in the US. Convenient access to simplified claims processing and direct billing.
Personal Liability coverage included (Injury to another or damage to others property) - $25,000 maximum subject to $100 deductible
Trip Interruption benefit included - $10,000 maximum
Lost Luggage benefit included - $50 per item, $500 maximum
Universal Rx pharmacy discount savings
Renewable up to 24 months
To maximize your benefits under your plan hospital stays should be precertified if planned in advance. IMG should be notified promptly for emergency hospital stays.
Medical Evacuation for Acute onset of pre-existing condition covered up to $25,000.
|Benefit Details||Benefit Details|
* $10,000 max for 80+ age
|Sample Contract||Sample Insurance Contract|