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Compare IMG Patriot travel insurance for international travel

Compare travel insurance benefits offered by Patriot America Plus and Patriot Platinum travel medical insurance plans. These two US travel insurance plans are comprehensive benefit visitor insurance plans for international travel which offer coverage for pre-existing conditions. Compare price and benefits to find the best US travel medical insurance plan for your needs.

How much does visitor health insurance USA cost?

IMG Patriot visitor insurance cost comparison

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Compare Travel Plans
Patriot Travel
versus
 Patriot Platinum
Patriot America Plus
Plan Maximum
Deductible
Pre-existing/Covid19
Patriot International offers coverage for Covid19
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Patriot Platinum
Plan Maximum
Deductible
Covers covid19 illness
  Buy Now   
Covid19 coverage Not Available Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury. Offers coverage for COVID-19/SARS-CoV-2 as any other Illness or Injury.
Eligibility People travelling outside their home country whose destination includes the US and its territories.
Patriot America Plus:
Non US citizens travelling to the USA.
US citizens living outside USA who want to visit US.
Green Card Holders in the US are eligible as long as their primary residence is outside the US.
Patriot International Lite: People outside their home country whose destination excludes the United States or its territories.
  • Patriot Platinum International: offers coverage for US Citizens travelling outside the US with coverage for brief to USA.
  • Patriot Platinum America: offers coverage for Non US citizens travelling outside their home country.
    Green Card Holders in the US are eligible as long as their primary residence is outside the US. There is no set amount of time on arrival in the US before which this plan has to be purchased.
Coinsurance - for treatment received inside the U.S. & Canada In the PPO Network
The plan pays 100%.

Out of the PPO Network
The plan pays 80% of eligible expenses up to $5K, then 100% up to the Maximum Limit		 In the PPO Network
IMG pays 100%

Out of the PPO Network
The plan pays 90% of eligible expenses up to $5K, then 100% up to the Maximum Limit
 In-Patient Medical Benefits
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service Average semi-private room rate up to the maximum limit. Includes nursing service
Eligible medical expenses Company pays 100% after deductible is met Up to the maximum limit
Surgery Up to the maximum limit Up to the maximum limit
Intensive care unit Up to the overall maximum limit Up to the overall maximum limit
Bedside visit 1.5K maximum limit. Not subject to deductible $1.5K maximum limit. Not subject to deductible
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
 Out-Patient Medical Benefits
Physician visits Up to the maximum limit Up to the maximum limit
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Radiology / X-ray Up to the maximum limit Up to the maximum limit
Walk-In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Laboratory Up to the maximum limit Up to the maximum limit
Physical Therapy Up to the maximum limit (Medical order or treatment plan required) Up to the maximum limit (Medical order or treatment plan required)
Assistant Surgeon 20% of the primary surgeon’s eligible fee) 20% of the primary surgeon’s eligible fee
Prescription Drugs and Medications Up to the plan maximum limit, may not exceed $250K (Dispensing limit per prescription: 90 days) Up to the plan maximum limit, may not exceed $250K (Dispensing limit per prescription: 90 days)
Reconstructive Surgery Up to the maximum limit Up to the maximum limit
 Emergency Services
Emergency local ambulance Up to the maximum limit Up to the maximum limit
Hospital emergency room Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit		 Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Interfacility ambulance transfer Company pays 100% Company pays 100%
Emergency eye examination $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident) $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance. (Loss or damage to prescription corrective lenses due to an accident)
 Dental
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100% Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%
 Evacuation
Emergency medical evacuation Up to the maximum limit. Not subject to deductible Up to the Maximum Limit
Emergency reunion $100K maximum limit. Not subject to deductible $100K maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5K maximum limit for cremation or local burial at the place of death. Not subject to deductible Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5K maximum limit for cremation or local burial at the place of death. Not subject to deductible
Return of minor children $100K maximum limit. Not subject to deductible $100K maximum limit. Not subject to deductible
Political evacuation and repatriation $100K maximum limit. Not subject to deductible $100K maximum limit. Not subject to deductible
Natural disaster evacuation $25K maximum limit. Not subject to deductible (Must be approved in advance by the company) $25K maximum limit. Not subject to deductible (Must be approved in advance by the company)
 Trip Protection
Natural disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible. $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Trip interruption $10K maximum limit. Not subject to deductible $10K maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death $500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person) $500 maximum limit. Not subject to deductible. (For a pet cat or dog up to 30 pounds traveling with the insured person)
Identity theft $500 maximum limit. Not subject to deductible $500 maximum limit. Not subject to deductible
Terrorism $50K maximum limit. Not subject to deductible $50K maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. Not subject to deductible $50 per item, $500 maximum limit. Not subject to deductible
 Acute Onset of Pre-Existing Condition
Acute Onset of Pre-Existing Conditions
Patriot America Lite: Not Covered
Under 70 years of age,with varying limits by age up to $1M. $25K maximum limit for medical evacuation.
Under 70 years of age,with varying limits by age up to $1M. $25K maximum limit for medical evacuation.
 Life
AD&D $50K principal sum. Not subject to deductible. $50K principal sum.
Common carrier AD&D $25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductible $25K per insured child, $100K per insured adult, $250K maximum limit per family. Not subject to deductible
 Other Benefits
Extended care facility Up to the maximum limit Up to the maximum limit
Pet return $1K maximum limit. Not subject to deductible $1K maximum limit. Not subject to deductible
Durable medical equipment Up to the maximum limit Up to the maximum limit
Personal liability $25K combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property $25K combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property
Optional Riders Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus Rider		 Adventure Sports Rider
Enhanced AD&D Rider
Citizenship Return Rider
Evacuation Plus rider
Chaperone/Faculty Leader Replacement Rider
Unique Advantages
Patriot Travel Insurance Advantages:
  • Optional coverage for adventure sports with purchase of the rider.
  • Patriot America Lite Insurance is ideal for US citizens and expats residing outside and visiting USA.
  • Optional coverage for Enhanced AD&D rider.
  • Patriot America Plus: Available for green card holders as long as their primary residence is outside the US.
Patriot Platinum Insurance Advantages:
  • It is a comprehensive coverage plan.
  • Coverage up to $8 million.Wide range of deductibles to choose from.
  • US expats looking to visit the US can buy Patriot Platinum travel insurance. They must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Universal RX pharmacy discount savings when pharmacy purchased with the participating pharmacies.
 Travel Insurance
Underwriter Patriot Travel Insurance Underwriter
Underwritten by Sirius International Insurance Corporation		 Patriot Platinum Insurance Underwriter
Underwritten by Sirius International Insurance Corporation
Rating Patriot Travel Insurance Rating
AM Best Rating: "A" (Excellent)		 Patriot Platinum Insurance Rating
AM Best Rating: "A" (Excellent)
Brochure and Details
Best ways to travel abroad

Compare Patriot Travel vs Patriot Platinum Insurance

Travelling to the US can be a great experience but an unfortunate emergency like sudden illness or accidental injuries can ruin your holiday or trip. The health care cost for visitors to US is very high and the situation can be traumatic if the tourist is without US visitor medical insurance. There are many visitors medical insurance offered by top insurance providers and it is a big task to choose the best international travel insurance for USA.

Visitor can compare US visitor insurance cost different travel insurance plan and select the one satisfying their requirements. Patriot Travel insurance are quite popular among international visitors to the US. They are offered by International Medical Group and have the AM Best Rating of A++ (Superior). Patriot Travel Insurance offers plan maximum up to $2 million and is renewable upto 2 years. Patriot Platinum Insurance is ideal for high end travelers offering coverage from $2 million up to $8 million. Patriot Platinum is renewable up to 3 years.

Factors to consider while comparing IMG plans?

Following are some of the insurance aspects that an international tourist needs to focus on while comparing among Patriot America Plus insurance and Patriot Platinum insurance:

Compare medical maximum coverage:

This the maximum coverage that the plan would offer for the medical expenses. Patriot America Plus insurance offers maximum coverage up to 1 million and Patriot Platinum insurance offers coverage up to 8 million. The coverage may vary for older travelers with reduced plan maximum.

Compare deductible options:

This is the initial amount the traveler needs to pay before the insurance actually start paying. Remember higher deductible have less premium than a plan with lower deductible.Patriot America Plus insurance has deductible options from $0 up to $2.5K and Patriot Platinum Insurance has a range of deductible option from $0 up to $25K.

Compare provider network:

It is a network of health care providers. Insurance companies form these in order to control the costs of health care. An insurance plan would pay 100% of the eligible expenses if the insured is admitted to hospital or health care center within the provider network.

Compare coinsurance options:

This is a percentage of the bill that the travel has to pay. Patriot America Plus Insurance has certain restrictions for coverage out of the provider network which is the plan pays 80% up to $5K, then 100% and it pays 100% within provider network. Patriot Platinum insurance pays no coinsurance within provider network and out of the provider network which is the plan pays 90% up to $5K, then 100%.

Contrast the renewability options:

Sometime the travel plans may change and a US visitor may be required to extend their period of stay. Patriot America Plus Insurance can be renewed up to 2 years while Patriot Platinum insurance can be renewed up to a total of 364 days.

Compare eligibility options:

Both these US visitor insurance plans offer comprehensive medical coverage to Non US citizens visiting US for a short period. Patriot America Plus has time restrictions that it has to be bought within 30 days of arrival in the US.

Average cost of the plans:

Patriot America Plus Insurance offers coverage up to the age of 70 years for acute onset of pre-existing conditions while Patriot Platinum insurance offers coverage under 70 years of age, with varying limits by age up to $1M. $25K maximum limit for medical evacuation.

  • FEATURES
  • Eligible Plan for USA Coverage?
  • Parents Eligible to be insured
  • Acute on set of Pre-existing Cover?
  • Renewable and Cancellable?
  • Deductible Choice?
  • A.M. Best Rating
  • Covid coverage
  • Underwriter
  • Provider
  • Buy now
  • Patriot America Plus
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • $0 to $2.5K
  • "A" Excellent
  • Yes
  • SiriusPoint Specialty Insurance Corporation
  • IMG
  • Buy Now
  • Patriot Platinum
  • Yes
  • Yes
  • Yes, covers up to 70 years
  • Yes
  • $0 to $25K
  • "A" Excellent
  • Yes
  • SiriusPoint Specialty Insurance Corporation
  • IMG
  • Buy Now
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Patriot America Plus vs Patriot Platinum Insurance - FAQs

  • Patriot America Plus Insurance - FAQ's

    What is acute onset of pre-existing condition?
    Acute onset of pre-existing conditions means sudden, unexpected emergency due to a pre-existing condition that can be dangerous to life and the traveler cannot wait to get treatment in the home country but to receive treatment immediately. It should be noted that for acute onset coverage, treatment must be sought within the defined time period for the plan and chronic and congenital conditions may not be covered.
    Is IMG travel insurance legit? Is IMG a real insurance company?
    International Medical Group (IMG) has been offering travel insurance products since 1990. Based in Indianapolis, IMG has more than 300 employees and offers 25+ travel insurance products for travelers to the US as well as for US citizens traveling overseas. Their products are ideal people traveling to the United States as tourists on B1 visa, international students on F1 visa, Exchange scholars on J visa, professionals on the H1B visa as well as US travelers who are looking for trip cancellation insurance for travel insurance.
    What are the benefits of Patriot America Plus insurance?
    Patriot America Plus is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot America Plus Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.
    How much does Patriot America Plus cost?
    The cost of Patriot America Plus insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M, $5M, $8M up to age 70.For people age above 70 years plan maximum is reduced o $20K.
    What are the requirements for purchasing Patriot America Plus insurance?
    To buy the Patriot America insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.
    How do I purchase Patriot America Plus insurance?
    You can get the quotes and make an instant purchase of Patriot America Plus travel insurance online with a credit card on American Visitor Insurance.This can be done without the need of any paperwork or medical exam.
    What is the coverage area of Patriot America Plus insurance?
    Patriot America Plus insurance provides coverage worldwide except in your country of citizenship.
    What are the different types of patriot insurance?
    The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot America Plus Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot America Plus Insurance plan provides coverage for US citizens traveling outside the US.
    Does Patriot America Plus insurance cover Covid ? Does Patriot America Plus insurance cover Coronavirus?
    Patriot America Plus covid insurance coverage is available for plans purchased after September 1st, 2020. Patriot America plus insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
    Can I buy Patriot America Plus insurance after my arrival in the US?
    Yes, the Patriot America insurance can be bought after arrival in the United States. It must be bought within 30 days for travelers above 65 years. The Patriot America plus can be purchased by travelers below the age of 65 years up to 6 months after arriving in the US.
    Does Patriot America Plus Insurance cover pre-existing conditions?
    Yes Patriot America Plus insurance offers the best coverage for acute onset of pre-existing conditions up to the age of 70 years.
    How does Patriot America Plus insurance offer coverage for medical expenses?
    Patriot America Plus insurance works well for US visitors by offering comprehensive coverage for medical expenses only inside the US. If the US visitor or traveler seeks treatment with the provider network namely “UnitedHealthcare PPO or First Health PPO”, then after the deductible amount, Patriot America Plus insurance pays 100% of the eligible expenses. If the traveler seeks treatment with a doctor or visits a hospital outside the provider network, Patriot America Plus insurance would pay 80% of eligible expenses up to $5K, then 100% up to the maximum limit.
    For detailed working example of how it works, you can review Patriot America Plus insurance working example.
    Can US citizens buy Patriot America Plus insurance??
    Patriot America Plus Insurance is available for US citizens residing outside USA and visiting USA for short term. Patriot America Plus insurance for US citizens require them to have resided outside US continuously for the past 6 months and must have a current health plan in force.
    How can one use Patriot America Plus visitor medical insurance in case of emergency in USA?
    Travelers can review this article on how to use Patriot America Plus visitor medical insurance in case of emergency in USA.
    I have changed my travel plans and wish to extend my trip. Is it possible to renew Patriot America Plus insurance?
    Yes Patriot America Plus Insurance is available for 364 days and can be renewed up to a maximum of 2 years. Travelers who wish to get extended coverage can renew Patriot America Plus insurance online.
    Does IMG travel insurance cover Covid?
    Yes, IMG offers travel insurance with coverage for Covid19 as for any other illness. Imglobal has trip cancellation insurance products (insures the cost of the trip as well as health of the traveler) as well as travel health insurance products (insurance only the health of the traveler). IMG also has products for international students, exchange scholars and expatriates.
    Does IMG sell Cancel for Any Reason Insurance?
    Yes, IMG does offer Cancel for any reason coverage as an add-on product on some of their trip insurance plans.
    What does IMG insurance stand for?
    International Medical Group (IMG) is an Indiana based company offering travel insurance products since 1990. IMG has over 320 employees and offers over 25 travel insurance products for travelers to the US as well as for US citizens traveling overseas.
    Is IMG a good travel insurance company?
    International Medical Group (IMG) has been accredited by the Better Business Bureau since 2005 and has an A- rating.

  • Patriot Platinum Insurance - FAQ's

    What are the benefits of Patriot Platinum insurance?
    Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.US citizens/Expats living outside USA and visiting USA can buy Patriot Platinum America Insurance. It provides coverage for Acute on set of pre-existing conditions ,medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment and more.
    How much does Patriot Platinum cost?
    The cost of Patriot Platinum insurance is dependent on the following factors: The age of the traveler, the length of insurance coverage, The Plan Limit and the deductible. The higher the plan limit, the higher will be the premium, while the higher the deductible the lower will be the premium. Travelers can choose maximum limits of $2M, $5M, $8M up to age 70. For people age above 70 years plan maximum is reduced o $20K.
    What are the requirements for purchasing Patriot Platinum insurance?
    To buy the Patriot Platinum insurance, you will need the travel dates and passport details of the traveler. This will include the name of the traveler, the date of birth, the passport number and the travel dates.
    How do I purchase Patriot Platinum insurance?
    You can get the quotes and make an instant purchase of Patriot Platinum travel insurance online with a credit card on American Visitor Insurance. This can be done without the need of any paperwork or medical exam.
    What is the coverage area of Patriot Platinum insurance?
    Patriot Platinum is a comprehensive plan available for Non US citizens and US citizens living outside the US for at least 6 months in a year visiting the US.
    What are the different types of patriot insurance?
    The different types of Patriot Insurance plans vary based on the level of coverage they offer. For example, the Patriot America Insurance plan provides coverage for non-US citizens traveling outside their home country. The Patriot Platinum Insurance plan provides coverage for non-US citizens traveling outside their home country and offers additional benefits such as coverage for adventure sports. The Patriot Platinum Insurance plan provides coverage for US citizens traveling outside the US.
    Does Patriot America Platinum insurance cover Covid ? Does Patriot America Platinum insurance cover Coronavirus?
    Patriot Platinum insurance Coronavirus coverage includes eligible medical expenses resulting from COVID-19 up to the medical maximum.
    Which plan offers comprehensive coverage with the highest medical coverage?
    Patriot Platinum Insurance offers coverage for travelers who want maximum coverage up to $8 million.
    Which are the ideal plans for older travelers?

    Above 60 years:
    Patriot America Plus offers coverage for pre-existing conditions up to the age of 70 years
    Patriot America Lite is available but doesn’t offer coverage for pre-existing conditions.

    Above 70 years:
    Patriot Platinum and Visitors Care coverage offers limited coverage.

    Above 80 years:
    Patriot Platinum as it offers coverage $20K for travelers over 80 years
    Other plans - Visitors Care offer coverage of $10K

Travel Insurance tips for travelers with Pre-Existing Conditions

Here are some travel insurance tips for travelers with pre-existing conditions:

  1. Choose a travel health insurance plan that covers pre-existing conditions.
  2. Read the policy carefully to understand what is covered and what is not.
  3. Be aware of any waiting periods for coverage of pre-existing conditions.
  4. Consider buying a visitors insurance policy with higher coverage limits.
  5. Carry a copy of your medical records and list of medications with you when traveling.
  6. Ensure that you carry your medical prescription and medicines during your trip.
  7. Know how to access medical care in your destination.
  8. Contact your visitors insurance provider immediately in case of any medical emergency.
  9. Disclose all pre-existing conditions when buying visitors health insurance.
  10. Follow all necessary procedures to file a claim for reimbursement of medical expenses.

IMG offers Pre-existing conditions with the following plans

Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age70 years for Non US citizens travelling to the USA. Another option for pre-existing conditions is Visitor's Protect offers temporary medical coverage with pre-existing conditions with deductible of $1,500 per injury or illness (plan deductible waived). The maximum limit through age 69 is $25,000, and ages 70 and older is $20,000. Visitor's Protect covers Limited pre-existing conditions for individuals traveling outside their country of residence and traveling to the US.

Why is travel health insurance for pre-existing conditions coverage important?

There are many international travelers who travel with medical ailments and it is important for them to be well informed about visitors insurance for pre-existing conditions. Most US travel insurance plans exclude coverage for pre-existing conditions. The definition of pre-existing conditions varies for different insurance providers as they have a ‘look back’ period and any medical ailments during this look back period would be considered pre-existing.

At American Visitor Insurance, we have plans which provide coverage for acute onset of a pre-existing condition, as well as full coverage for pre-existing conditions up to a clearly defined limit in the policy document. All of these details can be best understood by using our facility for comparing visitors insurance for pre-existing conditions and reviewing the policy brochures.

How does travel insurance for pre-existing conditions work?

The visitor health insurance plans which cover pre-existing conditions clearly define what is a pre-existing condition, the look back period for pre-existing condition, whether the travel insurance coverage is limited to acute onset of pre-existing conditions or if it provides full coverage for pre-existing conditions and the coverage limit within the policy for pre-existing conditions. Any visitors travel health insurance coverage for pre-existing conditions will depend on all these factors.

What are the factors for visitors insurance with pre-existing conditions coverage?

The following are the important factors to consider while purchasing visitors insurance for pre-existing conditions

  1. The definition of pre-existing conditions and the look back period under the policy.
  2. The eligibility age limit for pre-existing conditions coverage.
  3. Whether pre-existing condition coverage is limited to acute onset of pre-existing conditions.
  4. The coverage limit for pre-existing conditions which is different from the policy medical maximum.
  5. The deductible and out of pocket expenses for pre-existing conditions coverage.
  6. The renewability of the policy and its implication for pre-existing condition coverage

Pre-existing conditions coverage - FAQ's

01.  How do I know if my pre-existing condition is covered by travel insurance?
  1. Unfortunately, this simple question has a complicated answer. The answer is: it depends. Firstly, it depends on whether you are a US resident traveling outside the US or a visitor to the US. US residents can purchase trip cancellation insurance like the Travel Lite, Travel LX and Travel SE plans and they can cover pre-existing conditions. These plans however may have specific requirements in order to waive the usual exclusion of coverage for pre-existing conditions (like purchase them within a certain number of days of your initial trip deposit or that you have a primary domestic insurance plan in the US), so you should check these details carefully if this is important to you.
  2. Non-US residents or US residents traveling into the US have much more limited options to insure their pre-existing conditions are covered. Some plans offer coverage for "acute onset" of pre-existing conditions. However, this is misleading, since a careful look at their definition excludes chronic or congenital disorders from such coverage. Chronic illnesses are those that worsen over time and congenital disorders are issues one is born with. They exclude emergencies due to chronic illness because they will say that is not "acute" it is simply a worsening of your condition. There is a policy we know of that offer temporary medical insurance with coverage for pre-existing conditions. It is IMG's Visitor's Protect.
  3. Firstly, they define pre-existing conditions in the following way: A pre-existing condition is a condition for which the insured received treatment or took medication for in the previous 12 months before the start of the policy. If the medication dosage has not changed and is taken as a maintenance medication, this would NOT count as a flare up or treatment of the condition. In that case, very stable conditions that have no flare ups in the past 12 months are not even excluded as pre-existing conditions. Conditions that have had flare ups or doctor recommended treatment or change in medication, are still covered by the plans but with a higher deductible and a lower maximum.
  4. IMG Visitor's Protect is a comprehensive plan offering fairly complete coverage. The plan must be purchased for at least 90 days and can be quite pricey for seniors, but they offer the only real coverage for chronic conditions. Temporary medical insurance with coverage for pre-existing conditions. The other option, of course, is to take a plans with little ($1000) or no coverage for pre-existing conditions and take a risk that that condition will not flare up during the trip.
02.  What does full coverage for Pre-Existing Conditions mean?

Some plans boast they offer "full" coverage for pre-existing conditions, this can however be a little misleading. Firstly, any regular treatment or medication that is required by the condition is never covered. The main advantage to the IMG Visitor's Protect is that they cover sudden illness/injury regardless of whether it is pre-existing or not. The only difference is that a pre-existing condition will be covered with a higher deductible at a lower maximum than any other "new" illness or injury. However, coverage is not limited to an emergency or life-threatening situation. This plan offers temporary medical insurance with coverage for pre-existing conditions.

03.  What does "acute onset of pre-existing conditions" mean?

The "Acute Onset of a Pre-Existing Condition" is a sudden and unexpected outbreak or recurrence of a pre-existing medical condition which occurs without any advance warning either in the form of physician recommendations or symptoms and requires immediate care (within 24 hours of first symptoms).

A Pre-Existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered acute onset. The acute onset coverage benefit does not include coverage for known, scheduled, required, or expected medical care, drugs or treatment existent or necessary prior to the effective date of coverage. An example of this might be someone who has a food allergy or bee allergy and is unknowingly exposed to their allergen and requires immediate medical attention.

04.  What is the difference between Full Pre-Existing & Acute Onset Insurance?

Acute onset of a pre-existing condition can be defined as the sudden & unexpected occurrence of a pre-existing condition which requires in-patient, emergency hospitalization within 24 hours of exhibiting first symptoms. The main difference between acute onset & full pre-existing is that with Full Pre-Existing coverage, is that one is covered for all pre-existing conditions and associated medical costs and this includes follow up visits, hospitalizations and doctor’s visits, etc. The acute onset coverage will only cover the in-patient hospitalization expense.

05.  What services are covered under visitors insurance full pre-existing coverage?

A plan now offered by IMG called Visitor's Protect is temporary medical insurance with coverage for pre-existing conditions. The plan must be purchased for at least 90 days. Note that IMG plans is not available to green card holders.

06.  Do IMG travel insurance plans really cover all pre-existing conditions?

Yes, Patriot America Plus from IMG offers coverage for acute onset of pre-existing conditions up to the age up to 70, Patriot Platinum also offers acute onset of pre-existing conditions up to the age up to 70 and Visitor Protect from IMG temporary medical insurance with coverage for pre-existing conditions up to 99 years. The plan must be purchased for at least 90 days.

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patriot america plus

IMG Pre-existing conditions

Need coverage for the IMG acute onset of pre-existing conditions insurance?

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patriot platinum

IMG high-limit coverage

It is best suited for travelers expecting first-class medical coverage.

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visitors care insurance

IMG cheap visitor insurance

Visitors Care Insurance is an affordable fixed benefit insurance plan.

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Review travel medical insurance plans - Blogs and articles

Patriot America Plus Plan

Patriot America Plus Insurance offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. Patriot America Plus US visitors insurance offers coverage for acute onset of pre-existing conditions for visitors aged under 70 years.

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Patriot Platinum Plan

Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million. Patriot Platinum America offers coverage for Non US citizens travelling outside their home country and Patriot Platinum International offers coverage for US citizens traveling outside US.

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Patriot Travel Insurance Restrictions

Patriot travel insurance is not offering coverage for residents of Belarus, Russia, or Ukraine and travelers visiting Belarus, Russia, or Ukraine.