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.

Find the best quotes

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^?
$50,000, $100,000, $500,000, $1,000,000 per insured person

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 per insured person

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

International Emergency Care

Emergency Medical Evacuation	$1,000,000 maximum limit. (independent of the maximum limit)
Emergency reunion	$50,000 maximum limit.
Return of mortal remains or Cremation / Burial	$50,000 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.
Emergency room accident	Up to the maximum limit
Hospital Emergency Room:International	Up to the maximum limit
Hospital Emergency Room:Up to the maximum limit	Injury not subjected to emergerncy room deductible. Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
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

Additional Benefits

Accidental Death and Dismemberment	$25,000 principal sum.
Common carrier accidental death	$50,000 per insured person and $250,000 maximum limit per lifetime and per family.
Interfacility Ambulance Transfer	Company pays 100%
Pet Return	$1,000 maximum limit. Not subject to deductible
Small Pet Common Air Carrier Accidental Death Benefit	$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
Identity Theft	$500 maximum limit. Not subject to deductible.
Personal Liability	$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.
Natural disaster	Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism	Up to $50,000 maximum limit. Not subject to deductible.
Return of minor children	$50,000 maximum limit.
Political evacuation	$100,000 maximum limit. Not subject to deductible

Medical Benefits

Local Ambulance	Up to the Maximum Limit
Hospital room and board	Average semi-private room rate up to the maximum limit. Includes nursing service
Pre-Certification	50% reduction of eligible medical expenses if pre-certification provisions are not met
Intensive care	Up to the maximum limit
Surgery	Up to the maximum limit
Physician visits	Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Hospital indemnity	Up to $100 per overnight up to a maximum of 10 overnights.

Dental Benefits

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)

Optional Riders

Enhanced AD&D Rider(available to the primary Insured on individual plans only

Up to an additional $400,000

Welcome to American Student Insurance - Online Chat