By Ryan Kennelly
March 12, 2021
Topics:
March 12, 2021
Having a Health Insurance while traveling is more important than ever. Especially when travelling to countries like USA, UK, and Canada where the cost of healthcare services is expensive and in most cases not calculated. Thus always be prepared to face the unforeseen by being certain you are covered.
Quote/Purchase Patriot America® Plus
Who needs an International Insurance in the USA?
– F-1 Student visitors: Most colleges and universities in the USA ask for a proof of insurance certificate during the scholastic year. In some schools you are offered to purchase the insurance plan provided by the school. Either way, F-1 students in the USA need health insurance. Patriot America Plus from IMG is a perfect plan for F-1 students. See coverage below.
– K-1 Fiancée Visa: If you are visiting the Untied States to on a K-1 Fiancée visa you are eligible for an international health insurance. Even, if you are getting married soon to your Fiancée, you are not eligible for ACA coverage until you are a US Citizen or Permanent resident. Through the years we had many clients purchasing an international health plan while waiting for their Permanent Residency paperwork to be processed.
– B1/B2 Visa (Tourist Visa): If you are visiting the USA on a tourist nonimmigrant visa you can purchase health coverage during your visit in the USA for as many days you want. IMG also has the flexibility to retro pay you a prorated fee of all the unused days. For example: if you purchase a 3 months Patriot America Plus policy but end up staying only for 2 months in the USA. You can call IMG and cancel the policy for a prorated fee.
Patriot Platinum Travel Medical InsuranceSM
| PLAN INFORMATION | |
| Maximum Limits | $2,000,000 to $8,000,000 |
| Deductible | $0 to $25,000 |
| Extensions | Up to 36 continuous months |
| Emergency Medical Evacuation | Up to maximum limit |
| Coinsurance for treatment received inside the U.S ( Patriot America Platinum ) ( In-Network ) | IMG pays 100% |
| Coinsurance for treatment received inside the U.S ( Patriot America Platinum ) ( Out-of-Network ) | IMG pays 90% up to $5,000, then 100% |
| Coinsurance for treatment received outside the U.S ( Patriot International Platinum ) | IMG pays 100% |
| Acute Onset of Pre-Existing Conditions (Insured person must be under 70 years of age) | United States citizens: Age 64 and under without a primary health plan:
Age 64 and under with a primary health plan:
Age 65 through age 69:
Non-United States citizens:
$25,000 maximum limit for emergency medical evacuation |
| Remote Transportation | $5,000 per period, $20,000 lifetime maximum |
| Supplemental Accident | $300 per covered accident |
| COVID-19 Coverage ( Patriot America Platinum ) | up to policy maximum if contracted and treatment is provided after the policy effective date |
| Incidental emergency in the U.S ( Patriot International Platinum ) | Up to 2 weeks |
| Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met |
| Hospitalization/Room & Board | Average semi-private room rate up to the maximum limit. Includes nursing service |
| Intensive Care | Up to the maximum limit |
| Surgery | Up to the maximum limit |
| Physician Visits/Services | Up to the maximum limit |
| Radiology/X-ray | Up to the maximum limit |
| Prescriptions (Dispensing limit per prescription: 90 days) | Up to the maximum limit |
| Home Nursing Care (Upon direct transfer from an acute care facility) | Up to the maximum limit |
| Emergency Local Ambulance (Injury or illness resulting in an inpatient hospital admission) | Up to the maximum limit. Subject to deductible and coinsurance |
| Durable Medical Equipment | Up to the maximum limit |
| Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance |
| Emergency Reunion (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Return of Mortal Remains or Cremation/Burial (Must be approved in advance by the company) (Benefit included if death is due to COVID-19 – Patriot Platinum America plan only) | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible |
| Return of Minor Children (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Political Evacuation & Repatriation (Must be approved in advance by the company) | $100,000 maximum limit. Not subject to deductible |
| Natural Disaster Evacuation Must be approved in advance by the company | $25,000 maximum limit. Not subject to deductible |
| Terrorism | $50,000 maximum limit. Not subject to deductible |
| Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Walk-In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
| Physical Therapy (Medical order or treatment plan required) | Up to the maximum limit |
| Hospital Emergency Room (Outside the U.S.) | Up to the maximum limit |
| Hospital Emergency Room (Inside the U.S.) | Injury not subject to emergency room deductible Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit |
| Hospital Indemnity | $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible |
| Common Carrier Accidental Death | $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible |
| Accidental Death & Dismemberment (AD&D) Death must occur within 90 days of the accident | $50,000 principal sum. Not subject to deductible |
| Identity Theft | $500 maximum limit. Not subject to deductible |
| Trip Interruption | $10,000 maximum limit. Not subject to deductible |
| Lost Luggage | $50 per item, $500 maximum limit. Not subject to deductible |
| Eligible Medical Expenses | Up to the maximum limit |
| Bedside Visit Hospitalized in an intensive care unit | $1,500 maximum limit. Not subject to deductible |
| Outpatient Surgical / Hospital Facility | Up to the maximum limit |
| Laboratory | Up to the maximum limit |
| Chemotherapy / Radiation Therapy | Up to the maximum limit |
| Pre-Admission Testing | Up to the maximum limit |
| Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan | Up to the maximum limit |
| Assistant Surgeon | 20% of the primary surgeon’s eligible fee |
| Anesthesia | Up to the maximum limit |
| Chiropractic Care Medical order or treatment plan required | Up to the maximum limit |
| Extended Care Facility Upon direct transfer from an acute care facility | Up to the maximum limit |
| Interfacility Ambulance Transfer Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission | Company pays 100% |
| Traumatic Dental Injury Treatment at a hospital due to an accident | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance |
| Emergency Eye Examination Loss or damage to prescription corrective lenses due to an accident | $150 maximum limit. $50 deductible per occurrence. Subject to coinsurance |
| Personal Liability Secondary to any other insurance | $25,000 combined maximum limit. Injury to a third person: $100 per injury deductible. Damage to a third person’s property: $100 per damage deductible. No coverage for injury to a related third party or damage to related third person’s property. |
| Pet Return For a pet cat or dog traveling with the insured person | $1,000 maximum limit. Not subject to deductible |
| Small Pet Common Air Carrier Accidental Death Benefit For a pet cat or dog up to 30 pounds traveling with the insured person | $500 maximum limit. Not subject to deductible |
| Natural Disaster | $250 per day and maximum limit of five days for accommodations. Not subject to deductible |
Quote/Purchase Patriot America® Plus
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