Who is the Plan underwriter?

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).

What information is needed to buy the plan?

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.

Emergency Travel Assistance?

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

What is the cancellation and refund policy?

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: a) If any claims have been filed with the Company, the Premium is fully earned and is non-refundable. 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

Is there a network of doctors? Where can I search for the provider list?

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

Are adventure sports covered in the Patriot America Plus ?

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

What is the acute onset of pre-existing condition?

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.

Can the plan be renewed?

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.

Are pre-existing conditions covered by Patriot America Plus?

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.

Who is eligible for Patriot America Plus?

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: 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 Pay the required Premium on or before the Effective Date of Coverage Receive written acceptance of his/her Application, renewal or extension from the Company Be an individual at least fourteen (14) days old On the Effective Date and on subsequent renewal dates, must have legally departed the Country of Residence and legally entered the Destination Country Not be Pregnant, Hospitalized or Disabled on the Initial Effective Date Not be HIV + on the Initial Effective Date Not have established a permanent residency in the Destination Country

What is the procedure for filing a claim?

It is a good practice to keep a copy of the entire claims documents with you before you submit a claim for processing Download and complete the Claims Form Attach copies of all the pages of the passport Attach any itemized bills or receipts if money was paid out of pocket for services Submit the above within the stipulated time of 90 days after seeing the provider 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

Safe Travels USA Cost Saver 

Name: Patriot America Plus Insurance
Brand: Patriot America Plus

Provides coverage to non-US citizens who reside outside the US and are travelling outside of their Home Country

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Safe Travels USA Cost Saver 

Who: Safe Travel USA Cost Saver provides coverage to non-US citizens who reside outside the US and are travelling outside of their Home Country to visit solely the US, or to visit a combination of the US and other countries worldwide. It is not available for anyone age 90 or above.
What: Safe Travel USA Cost offers . a choice of coverage levels, with options ranging from $50,000 to $1,000,000 to best suit their needs. The plan also offers flexibility in choosing your deductible, allowing policyholders to find the right balance between affordability and upfront costs, coverage for unexpected recurrences of pre-existing conditions, with a limit of $1,000; COVID-19 expenses are excluded.
Where: Provides coverage in the United States or combination of the US and other countries worldwide.

Why Safe Travel USA Cost Saver is Best for Visitors?

Safe Travels USA Cost Saver plan offers a budget-friendly solution to safeguard your health and well-being during your visit. This temporary accident and sickness medical coverage caters to non-US citizens venturing to the US, providing financial protection for medical needs while in the US and other countries worldwide. 

Plan Benefits: Coverage for in-patient and out-patient medical accidents & illness up to $1,000,000. The policy covers urgent care, emergency room, prescription drugs, mental or nervous disorder, emergency medical evacuation, repatriation of remains, trip interruption, baggage, and more. Choice of deductibles ranges from $0 to $5,000. 

Pre-existing: Limited Coverage for an unexpected recurrence of a Pre-Existing Condition, covering up to $1,000 per policy period. 

PPO Hospital Network: It follows the First Health PPO network. 

Special Feature 1: Covers Mental or Nervous Disorders up to $2,500. 

Special Feature 2: Covers Emergency Medical Treatment of Pregnancy up to $1,000 per policy period.

Special Feature 3: Coverage will be automatically extended when a scheduled return is delayed due to unavoidable circumstances beyond your control. This extension of coverage will end earlier on the date you reach your originally scheduled date to return or 5 days after the Termination Date. 

Why Safe Travel USA Cost Saver is Best for Visitors?

What Coverage and Benefits are offered by Safe Travel USA Cost Saver

This plan provides coverage to non-US citizens who reside outside the USA and are traveling outside of Their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide. It is not available to anyone age 90 or above.

Plan Highlights:

Accident and Sickness Medical Policy Maximum Choices $50,000, $100,000, $250,000, $500,000, $1,000,000
Deductible Choices $0, $50, $100, $250, $500, $1,000, $2,500 or $5,000
Co-insurance 80% of the first $5,000 then 100% up to the policy maximum
Emergency Medical Evacuation/Medically Necessary Repatriation/Repatriation of Remains /Local Burial/Cremation
UNEXPECTED RECURRENCE OF A PRE-EXISTING CONDITION – Limitations apply
Wellness Visit – up to $125
COVID-19 EXPENSES are NOT covered on this plan.

You can review the complete benefits in the brochure

Benefits of Safe Travel USA Cost Saver

Benefit	Coverage Amount up to 69 years	Coverage Amount above 70 years
In-patient Hospital	From $50,000 to $1,000,000	From $50,000 to $100,000
Out-patient Clinic	From $50,000 to $1,000,000	From $50,000 to $100,000
Doctor Visit	From $50,000 to $1,000,000	From $50,000 to $100,000
Prescription Drugs	From $50,000 to $1,000,000	From $50,000 to $100,000

Safe Travel USA Cost Saver Insurance Cost

The higher the policy maximum, age, or number of days you opt for, your premium will go up. The pricing is dependent on the following factors.

Plan Limit: Choise of Policy Maximum’s of $50,000, $100,000, $500,000 , and $1 million.

Deductible Amount: You can choose a deductible of US $0, $100, $250, $500, $1,000, $2,500, $5,000

Age: The plan is available only until the age of 89 year

Coverage Days: Safe Travel USA Cost Saver can be bought for a minimum of 5 days up to 364 days. Extensions are available for up to 364 days in total.

Safe Travel USA Cost Saver

Age	Policy Max Limit $50,000	Policy Max Limit $100,000
From 50 to 59 years	$105	$176
From 60 to 64 years	$125	$223
From 65 to 69 years	$145	$183
From 70 to 79 years	$212	268

Premium based on a $250 deductible for 31 days

How to Claim Safe Travels USA Cost Saver Insurance? 

Documentation will vary depending on the type of claim you are filing. The claim form will have required documentation and if not provided, will slow down the claim filing process. Here are a few steps: 

It is a good practice to keep a copy of the entire Claims documents with you before you submit the Claims for processing  
Log in at: Submit Your Claim Online | SureGo (mysurego.com) with your certificate number and email address.  
Attach copies of all the pages of the passport
Attach the itemized bills  
Submit the above within the stipulated time of 90 days after seeing the provider  
Follow up on your Claim by calling 866.669. 9004 or 251.928.0939

Claims filing address and email:

Address: Surego Administrative Services on behalf of Zurich Insurance Europe AG 

PO Box 2069 
Fairhope, AL 36533 
Email: claims@mysurego.com 
Phone Number: 866-696-0409 or 251-928-0939 

FAQ: Safe Travel USA Cost Saver

Safe Travels USA Cost Saver is a budget-friendly visitor insurance plan for visitors to the US. It covers unexpected medical and travel emergencies during the trip but excludes COVID-19 expenses. 

Safe Travels USA Cost Saver is designed for non-US citizens visiting the US. Individuals up to 89 years of age are eligible for this plan.  

Safe Travels USA Cost Saver covers unexpected medical and travel emergencies during your US visit, including a limited benefit for unexpected recurrence of pre-existing conditions, some medical treatment for pregnancy, mental or nervous disorders, trip interruption, baggage loss, and more. COVID-19 expenses are excluded. 

There are some general exclusions like checkups, preventive care, self-inflicted harm, war, and terrorism, and more. Additionally, the plan excludes any expenses related to COVID-19 diagnosis or treatment. Refer to the brochure to get more details. 