IMG Travel Insurance Plan: Understanding Patriot America Plus

Traveling to the United States can be an exciting experience, whether you are visiting family, exploring popular

destinations, attending business activities, or enjoying a long vacation. However, unexpected medical expenses

can make an international trip stressful. An IMG Travel Insurance Plan such as Patriot America Plus can provide medical coverage for eligible non-U.S. residents traveling outside

their home country, including trips to the USA.

What Is Patriot America Plus?

Patriot America Plus is a comprehensive travel medical insurance plan administered by International Medical Group (IMG). It is designed primarily for non-U.S. residents traveling to the United States and can provide coverage for individuals, families, and groups of five or more travelers.

The plan offers different policy maximums and deductible options, allowing travelers to select coverage based on their trip requirements and budget. Coverage can generally be purchased for trips starting at five days and extending up to two years, subject to the applicable policy terms.

Key Benefits of the IMG Travel Insurance Plan

One of the main advantages of Patriot America Plus is its comprehensive approach to travel medical coverage. Depending on the policy selected and applicable terms, travelers can receive benefits for eligible medical expenses related to new illnesses and injuries that occur after coverage begins.

The plan also provides access to the UnitedHealthcare PPO network in the United States. Using participating providers can offer important cost-sharing advantages under the plan's coinsurance provisions.

Travelers can also select from various deductible and policy maximum options. Current plan information lists deductible choices ranging from $0 to $2,500, while policy maximums vary according to factors such as age and the selected plan.

Acute Onset of Pre-Existing Conditions

Another important feature is coverage for the acute onset of certain pre-existing conditions for eligible insured persons under age 70, subject to the plan's limitations, exclusions, deductibles, coinsurance, and other requirements.

This benefit should not be confused with comprehensive coverage for an existing medical condition. Travelers should carefully review the Certificate of Insurance to understand eligibility and restrictions before purchasing a policy.

Coverage for International Travelers

Patriot America Plus is particularly useful for non-U.S. residents visiting America. It can also provide worldwide coverage outside the traveler's home country when the USA is included in the travel itinerary, subject to the policy terms.

For travelers visiting multiple countries during one trip, understanding the destination and coverage requirements before purchasing the policy is important.

When Does Coverage Begin?

Travelers can select their coverage dates when purchasing the plan. According to the current plan information, Patriot America Plus can start as early as the day after purchase. There is no general waiting period for newly occurring sicknesses or illnesses after the policy becomes effective, although exclusions and limitations apply.

It is generally advisable to arrange travel medical insurance before leaving your home country and to select dates that account for your travel itinerary, including transit to and from the United States.

Why Consider an IMG Travel Insurance Plan?

Healthcare expenses in the United States can be significant, especially for international visitors who do not have domestic U.S. health insurance. Having an appropriate travel medical insurance plan can help reduce the financial uncertainty associated with unexpected eligible medical expenses.

Patriot America Plus also provides international customer service and access to assistance resources designed to support travelers during their coverage period.

Choose Coverage Carefully

Every traveler's needs are different. Before purchasing an IMG Travel Insurance Plan, compare deductible options, policy maximums, network benefits, pre-existing-condition provisions, exclusions, and other policy terms.

Patriot America Plus is a travel medical insurance option worth considering for eligible non-U.S. residents planning a trip to the United States. Reviewing the policy documents carefully can help travelers understand what is covered and make a more informed decision.

For complete plan details, eligibility requirements, benefits, exclusions, and current pricing, visit the Patriot America Plus information page on VisitorsInsurance.com.