IMG Patriot America Plus Insurance

Patriot America Plus Insurance is designed by International Medical Group to provide coverage for non-U.S. citizens traveling outside their home country to pursue their studies. Patriot America Plus plan offers Coverage for pre-existing conditions.

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   Eligibility
  • For non-U.S. citizens traveling outside their home country.
  • For applicants under the age of 65 years and visiting the United States, their initial Period of Coverage must begin within six months of arrival in the U.S. For applicants 65 years of age and older, it must begin within 30 days of arrival. These requirements will be waived with proof of previous valid international travel insurance.
   Pre-Existing Conditions
For Non-US Citizens
Acute Onset of a Pre-existing Condition (Medical):
  • Under age 70 years: Up to period of coverage maximum limit
Acute Onset of a Pre-existing Condition (Emergency Medical Evacuation): 
  • Under age 70 years: $25,000 maximum limit

What's covered?


Plan Maximum
Lifetime Maximum Limit?
$10,000, $100,000, $500,000

Co-insurance
  • Treatment outside US: No co-insurance.
  • Treatment inside US:
    In PPO Network - The plan pays 100%
    Out of the PPO Network - The plan pays 80% of eligible expenses up to $5,000, then 100% up to the maximum Limit.

Deductible
Deductible Options
$0, $100, $250, $500, $1,000 or $2,500
PPO
Provider Network clarifications
PPO stands for Preferred Provider Organization and is a network of health care providers. Insurance companies form these in order to control the costs of health care.

Plan benefits

Emergency Medical Evacuation Up to $1,000,000 maximum limit. Not subject to deductible
Return of mortal remains or Cremation / Burial $50,000 maximum limit for return of mortal remains or $5,000 maximum limit for cremation or local burial at the place of death.
Accidental Death and Dismemberment $25,000 principle sum
Terrorism Coverage Up to $50,000 maximum limit
Incidental Home Country Coverage Up to 14 consecutive days
Local Ambulance Up to the Maximum Limit
Hospital Intensive Care Up to the Maximum Limit
Prescription Drugs Up to the Maximum Limit
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth
Traumatic Dental Injury Up to the period of coverage maximum limit. Subject to deductible and coinsurance. (Treatment at a hospital due to an accident)
Enhanced AD&D Rider(available to the primary Insured on individual plans only Up to an additional $400,000
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