Patriot America Plus

Temporary health insurance for non-U.S. citizens traveling to the USA

Summary of Benefits

All amounts shown are in U.S. dollars.

Plan Information
Maximum Limit Per Period of Coverage Options $50,000, $100,000, $500,000
Individual Deductible Options Your choice of $0, $100, $250, $500, $1,000 or $2,500
Coinsurance - for treatment received outside the U.S. & Canada No Coinsurance
Coinsurance - for treatment received within the U.S. & Canada In the PPO Network - The plan pays 90% of eligible medical expenses up to $5,000, then 100%
Out of the PPO Network -The plan pays 80% of eligible medical expenses up to $5,000, then 100%
Continuation of Treatment Period Earlier of 6 months per Injury or Illness or upon return to Home Country
MyIMGSM 24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits Coverage available for in-patient and out-patient medical expenses
International Emergency Care A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
INPATIENT/OUTPATIENT BENEFITSBenefits Subject to the coinsurance and deductible when applicable and Usual, Reasonable, and Customary (URC)
Hospital Room and Board Average semi-private room rate up to the maximum limit
Intensive Care Unit Up to the maximum limit
Eligible Medical Expenses Up to the maximum limit
Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses Up to the maximum limit
Local Ambulance Up to the maximum limit
Prescription Medication Up to the maximum limit
Emergency Room Accident Up to the maximum limit
Emergency Illness - with In-patient Admission Up to the maximum limit
Emergency Illness - without In-patient Admission Up to the maximum limit. Additional $250 deductible
Dental - Treatment related to an Accident Up to the maximum limit
Dental - Emergency $100 maximum
Hospital Daily Indemnity $100 per overnight. Up to a maximum limit of 10 overnights
Terrorism $50,000 lifetime maximum
Recreational Sports & Activities Up to the maximum limit for non-organized, non-contact and non-collision activities
Evacuation Benefits Not subject to a deductible or coinsurance.
Emergency Medical Evacuation $500,000 lifetime maximum (independent of the Maximum Limit)
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation $25,000 lifetime maximum
Emergency Reunion $50,000 lifetime maximum
Return of Mortal Remains or
$50,000 for Return of Mortal Remains or
$5,000 for Cremation/Burial
Return of Minor Children $50,000 lifetime maximum
Political Evacuation $10,000 lifetime maximum
Additional Benefits Not subject to a deductible or coinsurance.
Incidental Trips Up to a cumulative two weeks
End of Trip Home Country Coverage One month for every six months of continuous coverage, up to two months maximum
Trip Interruption $5,000 maximum
Common Carrier Accidental Death $50,000 to beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage $50 per item; maximum of $250
Natural Disaster $100 per day for five days maximum
Identity Theft $500 maximum

Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.

All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

AgeLifetime Maximum

Citizenship Return Rider

When purchased at the time of application, the Citizenship Return Rider provides temporary medical coverage for non-U.S. citizens returning to their country of citizenship. For U.S. citizens, the rider provides up to 60 days of coverage for brief returns to the U.S. provided you have a current health plan in force and have resided outside the U.S. continuously for the past six months. Coverage for sudden recurrence of pre-existing conditions is excluded if the rider is selected.


This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.

Enhanced AD&D Rider

(Individuals Only)

This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. This rider is available with a minimum purchase of three months of medical and AD&D rider coverage.

Evacuation Plus Rider

This optional rider is available to insureds up to age 65.  It provides coverage for medical evacuations for sudden and unexpected medical conditions that are non life-threatening, and where hospitalization is medically necessary. It also offers coverage for evacuations as a result of a natural disaster.  This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.

Non Life-threatening Medical Evacuation Up to a maximum of $25,000
Natural Disaster Evacuation Up to a maximum of $5,000

Chaperone/Faculty Leader Replacement Rider

(Groups Only)

Groups may purchase the Chaperone/Faculty Leader Replacement Rider in the event that an insured person who is designated as a Chaperone/Faculty Leader by the sponsoring organization has an unexpected death of a relative, a medical emergency, or the substantial destruction of the principal residence in his/her home country, which causes the insured person to have to cancel or interrupt travel, this plan covers reimbursement up to $3,000 for the expense of a round trip economy airline ticket for a replacement Chaperone/Faculty Leader.


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  • "Although one hopes never to use travel insurance, IMG was a god-send throughout our ordeal. We couldn’t have done it without your continued assistance."
    Joan D. United States
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    Mark K. - United States

    While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.