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Patriot America® Plus

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

5 Days to 2 Years

Worldwide Coverage. World-Class Services.

We enable our members to worry less and experience more by delivering the protection they need, backed by the support they deserve. We offer a full line of international medical insurance products, as well as trip cancellation programs, stop loss insurance, medical management services and 24/7 emergency medical and travel assistance — all designed to provide members Global Peace of Mind® while they're away from home.

  • Global Support. With offices and partners across the globe, we provide the support you need, when you need it. In fact, it's our corporate mission to be there to protect and enhance your health and well-being.
  • Service Without Obstacles. Our team of international, multilingual specialists is 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 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. Our globally recognized underwriters, A-rated Sirius International Insurance Corporation (publ) and certain underwriters at Lloyd's, offer the financial security and reputation demanded by international consumers.
  • 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 on-site medical staff, you have 24-hour access to highly qualified coordinators of emergency medical services and international treatment.
  • 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.

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 so you can spend more time enjoying your international experience and less time worrying about your medical coverage.

Why Choose Patriot America Plus?

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

Plan Information & Highlights

Maximum Limit Per Period of Coverage Options$50,000, $100,000, $500,000
Individual Deductible Options$0, $100, $250, $500, $1,000, $2,500
Coinsurance - Treatment Received Outside of the U.S.No Coinsurance
Coinsurance - Treatment Received Within the U.S.In the PPO Network
The plan pays 90% of eligible medical expenses up to $5,000, then 100%
Out of the PPO Network
The plan pays 80% of eligible medical expenses up to $5,000, then 100%
Continuation of Treatment PeriodEarlier of 6 months per Injury or Illness OR upon return to home country
MyIMG24-hour secure access from anywhere in the world to manage your account
World-Class Medical BenefitsCoverage available for eligible inpatient and outpatient medical expenses
International Emergency CareA wide range of international emergency benefits available, including emergency medical evacuation, emergency reunion, return of mortal remains, return of minor children and more

Patriot America Plus - Summary of Benefits

Inpatient/Outpatient Benefits
Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges.
Hospital Room & BoardAverage semi-private room rate up to the maximum limit
Intensive Care UnitUp to the maximum limit
Eligible Medical ExpensesUp to the maximum limit
Acute Onset of Pre-Existing Condition
Prior to Age 70 - Medical Expenses
Up to the maximum limit
Local AmbulanceUp to the maximum limit
Prescription MedicationUp to the maximum limit
Emergency Room AccidentUp to the maximum limit
Emergency Room Illness with
Inpatient Admission
Up to the maximum limit
Emergency Room Illness without
Inpatient Admission
Up to the maximum limit
Additional $250 deductible
Dental - Treatment Related to an AccidentUp to the maximum limit
Dental - Emergency$100 maximum
Hospital Daily Indemnity$100 per overnight
Up to a maximum of 10 overnights
Terrorism$50,000 lifetime maximum
Recreational Sports & ActivitiesUp to the maximum limit for non-organized, non-contact and non-collision activities
Evacuation Benefits
Not subject to a deductible or coinsurance.
Emergency Medical Evacuation$500,000 lifetime maximum
(independent of the maximum limit)
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation$25,000 lifetime maximum
Emergency Reunion$50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial$50,000 for return of mortal remains or
$5,000 for cremation/burial
Return of Minor Children$50,000 lifetime maximum
Political Evacuation$10,000 lifetime maximum
Additional Benefits
Not subject to a deductible or coinsurance.
Incidental TripsUp to a cumulative two weeks
End-of-Trip Home Country CoverageOne month for every six months of continuous coverage,
up to two months
Trip Interruption$5,000 maximum
Common Carrier Accidental Death$50,000 to beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment$25,000 principal sum
Lost Luggage$50 per item; maximum of $250
Natural Disaster$100 per day; up to five days
Identity Theft$500 maximum
Optional Riders
Other than the enhanced AD&D rider, optional riders apply to all eligible individuals listed on the application.
Adventure Sports Rider
(available to insureds up to age 65)
AgeLifetime Maximum
0 - 49$50,000
50 - 59$30,000
60 - 64$15,000
Enhanced AD&D Rider
(available to the primary insured only)
Up to an additional $400,000
Citizenship Return RiderUp to the Maximum Limit
Evacuation Plus Rider
(available to insureds up to age 65)
Non Life-threatening medical evacuation: Up to a maximum of $25,000. Natural disaster evacuation: Up to a maximum of $5,000.

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. *Must be approved in advance and coordinated by the Company.

Patriot America Plus - Individual Premium Rates

Monthly Rates
AgeMaximum Limit Options
$50,000$100,000$500,000
18-29$42$52$66
30-39$55$70$88
40-49$82$101$135
50-59$120$155$190
60-64$152$196$233
65-69$173$234$254
70-79$235N/AN/A
80+*$407*N/AN/A
Dependent Child$38$46$60
Individual Child$42$52$66

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

Daily Rates
AgeMaximum Limit Options
$50,000$100,000$500,000
18-29$1.35$1.70$2.15
30-39$1.80$2.25$2.85
40-49$2.65$3.25$4.35
50-59$3.90$5.00$6.15
60-64$4.90$6.30$7.50
65-69$5.60$7.55$8.20
70-79$7.60N/AN/A
80+*$13.15N/AN/A
Dependent Child$1.25$1.50$1.95
Individual Child$1.35$1.70$2.15

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

Enhanced AD&D Rider**

Additional AD&D 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 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 - Services

Service at your fingertips anytime, anywhere - that's what we provide. Our online member portal that 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 serach the network. Additionally, to help you locate health care providers outside of the U.S., use 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 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 plan. Use of the discount card does not guarantee that medication is covered or will be reimbursed under the insurance plan.

Administrator

IMGTM
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. ©2007-2017 International Medical Group. All rights reserved.

Version: 1017
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Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You would not be eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don’t need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

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