Patriot America Plus Insurance

Patriot America Plus provides coverage to Non-U.S. residents who need temporary medical insurance while traveling for business, studying  or pleasure to the US.

In order to be eligible and qualified for coverage under Patriot America Plus, a person must meet all of the following requirements:

1. Complete and sign an Application as the Insured Person (or be listed thereon by proxy as an applicant and proposed Insured Person), and/or as the Insured Person’s Spouse and/or Child
2. Pay the required Premium on or before the Effective Date of Coverage
3. Receive written acceptance of his/her Application, renewal or extension from the Company
4. Be an individual at least fourteen (14) days old
5. On the Effective Date and on subsequent renewal dates, must have legally departed the Country of Residence and legally entered the Destination Country
6. Not be Pregnant, Hospitalized or Disabled on the Initial Effective Date
7. Not be HIV + on the Initial Effective Date
8. Not have established a permanent residency in the Destination Country

Pre-existing conditions are excluded by the Patriot America Plus plan, however, the plan can cover for an acute onset of pre-existing conditions. For people insured under the age of 70, pre-existing conditions can be covered up to the policy maximum when treatment is obtained within 24 hours for an acute onset of a non-chronic pre-existing condition. $25,000 maximum limit for medical evacuation.

A sudden and unexpected outbreak or reoccurrence that is of short duration, is rapidly progressive, and requires urgent medical care. A Pre-existing Condition that is chronic or congenital, or that gradually becomes worse over time is not an Acute Onset of Pre-existing Condition. An Acute Onset of Pre-existing Condition does not include any condition for which, as of the Effective date, the Insured Person

(i) knew or reasonably foresaw he/she would receive,

(ii) knew he/she should receive,

(iii) had scheduled, or

(iv) were told that he/she must or should receive, any medical care, drugs or Treatment.

Though the plan does not restrict you from going to any doctor in the area, to get negotiated rates and 100% coinsurance, you must see a provider in the network.

You can search for providers (doctors, hospitals, Urgent care, etc.) in the network at United HealthCare PPO Network

The Adventure Sports Rider is available for an additional premium for those up to the age of 65. Activities like abseiling, BMX, bungee jumping, parachuting, wildlife safaris, and windsurfing are covered to the lifetime maximum amounts listed below, as long as they are engaged solely for leisure, recreation, or entertainment purposes. To see a complete list of activities covered, please refer to the Certificate

Age 0-49 years: $50,000 certificate period

Age 50-59 years: $30,000 certificate period

Age 60-64 years: $15,000 certificate period

The application will need the following information of the visitor: name, date of birth, residence address and email address to send the insurance documents.  If you have a passport number, you can enter it. A valid credit card will be required to complete the purchase.

Immediately after submitting the application, an email will be sent to the email address provided on the application which will include links to download the ID card, Visa Letter, and Certificate wording.

This policy is renewable as long as your initial plan was at least 5 days. The plan can be bought from 5 days up to 1 year. The plan can be extended before the end date of the policy and can be renewed up to 2 years.

Before the effective date of the policy:  Full cancellation and refund will only be considered if the written request is received prior to the effective date of the coverage.

After the effective date of the policy:  If the written request is received after the Effective Date of coverage, the following conditions apply if the Insured Person wishes to cancel the insurance and a written partial refund request has been made:

1. a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable.
2. b) If no claims have been filed with the Company, then
   (i) a cancellation fee of US $50 will be charged; and
   (ii) only full month premiums will be considered as refundable

It is a good practice to keep a copy of the entire claims documents with you before you submit a claim for processing

1. Download and complete the Claims Form
2. Attach copies of all the pages of the passport
3. Attach any itemized bills or receipts if money was paid out of pocket for services
4. Submit the above within the stipulated time of 90 days after seeing the provider
5. Follow up on your claim by calling 800.628.4664 or emailing insurance@imglobal.com

Claims mailing address:

International Medical Group
Department
P.O. Box  88500
Indianapolis, Indiana 46208
United States

Phone: 1.800.628.4664
Or email insurance@imglobal.com

Available 24 hours a day, 365 days a year, Call +1 (317) 655-4500 (ext 0)

Patriot America Plus is Underwritten by  Sirius Specialty Insurance Corporation and is rated “A-”  by A M Best. The plan is administered by International Medical Group (IMG).