IMG Travel Insurance Plan Understanding Patriot America Plus
                     IMG Travel Insurance Plan: 
Understanding Patriot America Plus 
 
Traveling to the United States can be an exciting experience, whether you are visiting family, exploring 
popular destinations, attending business activities, or enjoying a long vacation. However, unexpected 
medical expenses can make an international trip stressful. An IMG Travel Insurance Plan such as Patriot 
America Plus can provide medical coverage for eligible non-U.S. residents traveling outside their home 
country, including trips to the USA. 
What Is Patriot America Plus? 
Patriot America Plus is a comprehensive travel medical insurance plan administered by International 
Medical Group (IMG). It is designed primarily for non-U.S. residents traveling to the United States and can 
provide coverage for individuals, families, and groups of five or more travelers. 
The plan offers different policy maximums and deductible options, allowing travelers to select coverage 
based on their trip requirements and budget. Coverage can generally be purchased for trips starting at five 
days and extending up to two years, subject to the applicable policy terms. 
Key Benefits of the IMG Travel Insurance Plan 
One of the main advantages of Patriot America Plus is its comprehensive approach to travel medical 
coverage. Depending on the policy selected and applicable terms, travelers can receive benefits for 
eligible medical expenses related to new illnesses and injuries that occur after coverage begins. 
The plan also provides access to the UnitedHealthcare PPO network in the United States. Using 
participating providers can offer important cost-sharing advantages under the plan's coinsurance 
provisions. 
Travelers can also select from various deductible and policy maximum options. Current plan information 
lists deductible choices ranging from $0 to $2,500, while policy maximums vary according to factors such 
as age and the selected plan. 
Acute Onset of Pre-Existing Conditions 
Another important feature is coverage for the acute onset of certain pre-existing conditions for eligible 
insured persons under age 70, subject to the plan's limitations, exclusions, deductibles, coinsurance, and 
other requirements. 
This benefit should not be confused with comprehensive coverage for an existing medical condition. 
Travelers should carefully review the Certificate of Insurance to understand eligibility and restrictions 
before purchasing a policy. 
Coverage for International Travelers 
Patriot America Plus is particularly useful for non-U.S. residents visiting America. It can also provide 
worldwide coverage outside the traveler's home country when the USA is included in the travel itinerary, 
subject to the policy terms. 
For travelers visiting multiple countries during one trip, understanding the destination and coverage 
requirements before purchasing the policy is important. 
When Does Coverage Begin? 
Travelers can select their coverage dates when purchasing the plan. According to the current plan 
information, Patriot America Plus can start as early as the day after purchase. There is no general waiting 
period for newly occurring sicknesses or illnesses after the policy becomes effective, although exclusions 
and limitations apply. 
It is generally advisable to arrange travel medical insurance before leaving your home country and to select 
dates that account for your travel itinerary, including transit to and from the United States. 
Why Consider an IMG Travel Insurance Plan? 
Healthcare expenses in the United States can be significant, especially for international visitors who do 
not have domestic U.S. health insurance. Having an appropriate travel medical insurance plan can help 
reduce the financial uncertainty associated with unexpected eligible medical expenses. 
Patriot America Plus also provides international customer service and access to assistance resources 
designed to support travelers during their coverage period. 
Choose Coverage Carefully 
Every traveler's needs are different. Before purchasing an IMG Travel Insurance Plan, compare deductible 
options, policy maximums, network benefits, pre-existing-condition provisions, exclusions, and other 
policy terms. 
Patriot America Plus is a travel medical insurance option worth considering for eligible non-U.S. residents 
planning a trip to the United States. Reviewing the policy documents carefully can help travelers 
understand what is covered and make a more informed decision. 
For complete plan details, eligibility requirements, benefits, exclusions, and current pricing, visit the 
Patriot America Plus information page on VisitorsInsurance.com.