Patriot America Plus Insurance
Patriot America Plus insurance is a travel medical insurance plan specifically designed for non-U.S. residents who are traveling to the United States. It is particularly popular among tourists, business travelers, and visitors to the U.S. who are seeking temporary health coverage during their stay. The insurance is offered by International Medical Group (IMG), a well-known provider of international medical insurance products.
Overview of Patriot America Plus Insurance
Eligibility: The plan is available to individuals and families, including children, who are traveling outside their home country and are planning to visit the United States. It is suitable for both short-term and long-term visitors, with coverage periods ranging from five days to two years.
Coverage: Patriot America Plus provides a wide range of benefits that include medical expenses, emergency evacuation, repatriation of remains, accidental death and dismemberment, and more. It is designed to protect travelers against unexpected health issues and accidents that may occur during their visit to the U.S.
Key Features and Benefits
Medical Benefits: The plan covers eligible medical expenses incurred due to accidents or illnesses. This includes hospital room and board, intensive care, outpatient treatment, and physician visits. The coverage limits can be selected based on the needs of the traveler, with options ranging from $50,000 to $1,000,000.
Emergency Medical Evacuation: If a traveler experiences a medical emergency and adequate medical facilities are not available locally, the plan covers the cost of emergency medical evacuation to the nearest facility capable of providing the necessary treatment.
Repatriation of Remains: In the unfortunate event of a policyholder's death, the plan covers the transportation of remains back to the traveler’s home country.
Accidental Death and Dismemberment (AD&D): The plan provides a lump sum benefit in case of accidental death or loss of limbs/eyesight.
Trip Interruption: Coverage is provided for the cost of returning home if there is an interruption in the trip due to certain covered reasons, such as the sudden illness or death of a family member.
Terrorism Coverage: The plan includes coverage for injuries and illnesses resulting from acts of terrorism, which is an important consideration for international travelers.
Additional Benefits: Other benefits may include coverage for acute onset of pre-existing conditions, emergency dental treatment, and access to a 24-hour international medical helpline.
Policy Options and Flexibility
Patriot America Plus offers flexible policy options that can be tailored to meet the specific needs of travelers. Coverage can be extended for additional periods if the traveler decides to prolong their stay in the United States. Additionally, policyholders can choose from different deductible options, which can help in managing the cost of the premium.
Considerations and Exclusions
While Patriot America Plus provides comprehensive coverage, there are certain exclusions and limitations to be aware of:
Pre-existing Conditions: Coverage for pre-existing conditions is limited. The plan may cover the acute onset of pre-existing conditions, but chronic conditions are generally excluded.
Adventure Sports: Participation in adventure sports and high-risk activities may not be covered unless additional coverage is purchased.
Routine Medical Care: The plan does not cover routine medical check-ups or preventive care.
War and Military Actions: Injuries or illnesses resulting from war, military actions, or civil disorder are typically excluded.
Choosing Patriot America Plus
When considering Patriot America Plus insurance, travelers should assess their specific needs and risks while traveling. It is important to carefully review the policy details, including the fine print on coverage limits, exclusions, and claims procedures. Travelers should also consider their health history, the nature of their trip, and any planned activities to ensure they have adequate coverage.
Conclusion
Patriot America Plus is a reliable option for international travelers visiting the United States, offering peace of mind with its comprehensive coverage and flexible options. It is essential for travelers to carefully evaluate their insurance needs and choose a plan that best fits their circumstances, ensuring a safe and worry-free journey. Before purchasing, consulting with an insurance advisor or directly with IMG for detailed information and personalized advice is always a wise step.
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.