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Patriot America® Plus

Travel Medical Insurance For Non-U.S. Residents Traveling to the USA

5 Days to 2 Years

We're committed to being there with our members wherever they may be in the world, delivering Coverage Without Boundaries®. With 24/7 medical management services, multilingual claims administrators and highly trained customer service professionals, we are confident in our ability to provide the products international members need, backed by the services they want.

  • Global Support. With offices and partners across the globe, we provide the support you need, when you need it. In fact, it is our corporate mission to be there to protect and enhance your health and well-being.
  • Service Without Obstacles. With a team of international, multilingual specialists, we are accustomed to working in multiple time zones, languages and currencies. Our global reach means we can work without barriers.
  • International Provider Access℠ (IPA). In addition to our expansive expansive PPO network available for treatment received within the U.S., our proprietary IPA network of more than 17,000 accomplished physicians and facilities allows you to access quality care worldwide. Our direct billing arrangements can also ease the time and upfront expense at select providers.
  • Financial Stability. Owned by Sirius International Insurance Group — an A-rated, $2.6 billion global enterprise — offers the financial security and reputation demanded by international consumers.
  • Accessible Technology. Log on to the secure, 24-hour online portal to submit and view your claims, manage your account, search for providers, and more.
  • International Emergency Care. When you're away from home and a medical emergency occurs, you may not be able to wait for regular business hours. With our onsite medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.

Why You Need Travel Medical Insurance?

Accidents and emergencies happen — and when they do, you wouldn't want to be hundreds or thousands of miles away from home without the proper coverage.

Most people assume they will be covered by their standard health insurance when they travel internationally, but that isn't always the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health at risk.

Don't let your medical coverage be an uncertainty. Travel with Patriot America® Plus Group so you can spend more time enjoying your international experience and less time worrying about your medical coverage.

Why Choose Patriot America Plus Group?

Patriot America Plus Group provides coverage for non-U.S. residents traveling to the United States. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. The plan provides a wide range of plan maximum limits and deductible options. The plan is available for trips of five days up to two years.

Plan Information & Highlights

Maximum Limit Per Period of Coverage Options$10,000, $50,000, $100,000, $500,000
Individual Deductible options$0, $100, $250, $500, $1,000, $2,500
Hospital Room and BoardAverage semi-private room rate up to the maximum limit. Includes nursing service
Intensive CareUp to the maximum limit
SurgeryUp to the maximum limit
Physician VisitsUp to the maximum limit
Diagnostic ProceduresUp to the maximum limit
Prescription MedicationUp to the maximum limit
Home Health CareUp to the maximum limit
Emergency Local AmbulanceUp to the maximum limit
Durable Medical EquipmentUp to the maximum limit
Emergency Dental Treatment$300 maximum limit due to dental accident or unexpected pain to sound natural teeth
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the period of coverage maximum limit
Subject to deductible and coinsurance
Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency Medical Evacuation
Must be approved in advance and coordinated by the company
$1,000,000 maximum limit. Not subject to deductible.
Emergency Medical Evacuation
Must be approved in advance by the company
$50,000 maximum limit. Not subject to deductible.
Return of Minor Children
Must be approved in advance by the company
$50,000 maximum limit. Not subject to deductible
Return of Mortal Remains or Cremation/Burial
Must be approved in advance by the company
$50,000 maximum limit for return of mortal remains or ashes to country of residence,
or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible.
Political Evacuation
Must be approved in advance by the company
$10,000 maximum limit. Not subject to deductible.
Natural Disaster$250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Accidental Death & Dismemberment$25,000 principal sum. Not subject to deductible
Common Carrier Accidental Death$50,000 per insured person, $250,000 maximum limit per lifetime per family. Not subject to deductible
Trip Interruption$5,000 maximum limit. Not subject to deductible.
Lost Luggage$50 per item, $250 maximum limit. Not subject to deductible.
Hospital Indemnity$100 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft$500 maximum limit. Not subject to deductible
Terrorism$50,000 maximum limit. Not subject to deductible.
Incidental Trips to Home Country
Insured person's country of residence is not the U.S.
14 consecutive days maximum limit
Incidental Emergency Coverage in the U.S. (Patriot International Only)14 consecutive days maximum limit. Available only for a covered emergency medical evacuation, or an emergency injury or illness that manifested during travel through the United States to or from the host country.
Coinsurance - for treatment received outside of the U.S.No coinsurance (0%)
Coinsurance - for treatment received within the U.S.In the PPO network - Company pays 100%
Out of the PPO network - Company pays 80% of eligible expenses up to $5,000, then 100%
Pre-CertificationFifty percent (50%) reduction of eligible medical expenses if pre-certification provisions are not met.
Acute Onset of a Pre-existing ConditionUnder 70 years of age: Up to period of coverage maximum limit
Acute Onset of a Pre-existing Condition - Emergency Medical EvacuationUnder 70 years of age: $25,000 maximum limit
Urgent Care$25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-in Clinic$15 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy
Medical order or treatment plan required
Up to the maximum limit
Hospital Emergency Room: InternationalDeductible waived
Hospital Emergency Room: United StatesInjury not subject to emergency room deductible
Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission
Company pays 100%
Personal Liability
Secondary to any other insurance
Combined maximum limit: $10,000
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

All coverage and benefits in this Policy are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Resonable and Customary charges. This is a summary and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the "Insurance Contract"). The Insurance Contract is the only source of the actual benefits provided. Eligible medical expenses are limited to usual, reasonable and customary.

Patriot America Plus - Group Premium Rates

Monthly Rates
AgeMaximum Limit Options
$50,000$100,000$500,000
18-29$38$47$59
30-39$50$63$79
40-49$74$91$122
50-59$108$140$171
60-64$137$176$210
65-69$156$211$229
70-79$212N/AN/A
80+*$366N/AN/A
Dependent Child$34$41$54
Individual Child$38$47$59

*Individuals age 80+ are limited to a $10,000 maximum limit.

Daily Rates
AgeMaximum Limit Options
$50,000$100,000$500,000
18-29$1.20$1.50$1.90
30-39$1.60$2.05$2.55
40-49$2.40$2.95$3.90
50-59$3.50$4.50$5.50
60-64$4.40$5.70$6.75
65-69$5.00$6.80$7.40
70-79$6.80N/AN/A
80+*$11.80N/AN/A
Dependent Child$1.10$1.35$1.75
Individual Child$1.20$1.50$1.90

*Individuals age 80+ are limited to a $10,000 maximum limit.

Enhanced AD&D Rider**
Additional CoverageMonthly Rate
$100,000$8
$200,000$16
$300,000$24
$400,000$32
**Available to the primary insured only. Available to insureds who are applying for three months of Patriot America Plus Group coverage. Premium is charged in whole-month increments.

The administrator reserves the right to assess the most current rates at the time of the effective date in the event these rates expire, are modified, or are replaced. Rates include premium tax where applicable.

Patriot America Plus Group - Services

Service at your fingertips anytime, anywhere — that’s what we provide. Our online member portal allows you to easily access and manage your insurance information. Our service centers in the U.S. and Europe are always available to handle medical emergencies, you have immediate access to a wealth of information about your account and plan, and can manage routine areas to help you save time when you may need it most. Key features include:

  • Manage your claims
  • Initiate precertification
  • Locate a provider
  • Obtain plan documents
  • Request ID cards
  • Recommend a provider/facility

Extensive Provider Networks

When seeking treatment in the U.S., you can reduce your out-of-pocket costs by using the independent Preferred Provider Organization (PPO), a separately organized network of hundreds of thousands of established, highly qualified medical practitioners and many well-recognized hospitals in the U.S. You can quickly search the network. Additionally, to help you locate health care providers outside of the U.S., use the online International Provider Access℠ (IPA), a database of more than 17,000 physicians and facilities.

Medical Management Services

The ability to access quality health care is of paramount importance when a medical emergency arises abroad. To coordinate care and provide U.S. and internationally based medical management services, IMG formed AkesoCare℠, a URAC-accredited, on-site division devoted entirely to medical management.

From routine medical care and check-ups to complex case management and emergency medical evacuations, AkesoCare is there for you. They are committed to consumer protection and empowerment, quality operations and regulatory compliance. This translates into better care for you – around the world, around the clock.

Universal Rx Pharmacy Discount Savings

This is a discount savings program available to every insured of the Patriot America Plus Group plan. This program allows card holders to purchase prescriptions at one of more than 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance. It is purely a discount program available to insureds in the Patriot America Plus Group plan. Use of the discount card does not guarantee that medication is covered or will be reimbursed under the insurance plan.

Eligibility

Patriot America Plus Group insurance is available for non-U.S. residents whose travels include the United States. You must pay the required premium on or before the effective date of coverage and must have legally entered your destination country on the effective date. All applicants must be at least 14 days old, and cannot be HIV+, pregnant, hospitalized or disabled on the plan effective date.

Enrollment

To apply, simply apply online.

Renewal and Extensions

Subject to the terms of the plan, Patriot America Plus Group Insurance can be extended for a minimum of five days up to a 12-month period, until reaching a maximum of 24 continuous months. Prior to the end of each period of coverage purchased, you will receive renewal information. Each insured person must only satisfy one deductible and coinsurance within each 12-month period of coverage

Administrator

IMG
P.O. Box 88509
2960 North Meridian Street
Indianapolis, IN 46208-0509 USA

Underwriter

Coverage is underwritten and issued by Sirius International Insurance Corporation, rated A (excellent) by A.M. Best and A- by Standard & Poor's (at the time of printing).

FOR ADDITIONAL INFORMATION

Insubuy®, Inc.
4200 Mapleshade Ln, Suite 200
Plano, TX 75093

Toll Free: (866) INSUBUY
Phone: (972) 985-4400
Fax: (972) 767-4470
Website: www.insubuy.com

This invitation to inquire allows eligible applicants an opportunity to seek information about the insurance offered, and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned, registered and used by International Medical Group and its representatives throughout the world. ©2007-2018 International Medical Group. All rights reserved.

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Same Price. Better Service.®

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