Alyssa Lane
Patriot Travel Medical Insurance is an insurance plan that offers coverage for individuals, families, and groups who require temporary medical insurance while travelling for business or pleasure outside of their home country. The cost of the plan is influenced by factors such as the duration of coverage, the age of the insured, the plan limit, and the deductible. The premium is calculated on a daily rate, with longer coverage periods resulting in a higher premium. The Patriot International Lite plan, which is suitable for those travelling outside of the US, offers monthly payment options ranging from $29 to $379 per month.
| Characteristics | Values |
|---|---|
| Plan Options | Patriot Travel, Patriot America Plus, Patriot America Lite, Patriot International Lite, Patriot Platinum |
| Coverage | Includes emergency treatments, acute onset of pre-existing conditions, COVID-19, dental treatment, routine care, and more. |
| Cost | Depends on factors such as age, length of coverage, plan maximum, and deductible. Monthly costs range from $29 to $379. |
| Payment Options | Credit card payments accepted. |
| Coverage Period | From 5 days to 2 years, with options for extensions. |
| Eligibility | Non-U.S. citizens, U.S. citizens travelling outside the U.S., and visitors to the U.S. |
| Application Requirements | Date of birth, passport number, name, home country address, and travel dates. |
| Exclusions | Pre-existing medical conditions, routine dental or vision exams. |
| Additional Services | Travel assistance, emergency evacuation, field rescue, medical transport, 24/7 travel assistance. |
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What You'll Learn
- Patriot International Lite Insurance: Monthly cost between $29 to $379
- Patriot America Plus Insurance: Comprehensive, low-cost insurance for visitors to the US
- Patriot Platinum Plans: Access to CareClix Virtual Medicine
- Patriot Travel Plans: Choose a plan that meets your needs
- Patriot Insurance Cost: Premium based on a daily rate
Patriot International Lite Insurance: Monthly cost between $29 to $379
Patriot International Lite Insurance is a short-term travel medical insurance plan offered by International Medical Group (IMG) for individuals travelling outside of the USA. The plan offers comprehensive coverage for travellers, including COVID-19, and is available for any duration between 5 days and 2 years.
One of the key advantages of Patriot International Lite Insurance is its flexibility in terms of duration and cost. The insurance plan offers daily rates, allowing travellers to purchase coverage only for the duration they require, without wasting any additional premium. This flexibility makes it a cost-efficient option for travellers who need short-term medical insurance while travelling internationally.
The monthly cost of Patriot International Lite Insurance can vary depending on the chosen policy maximum and deductible. The plan offers policy maximums ranging from $50,000 to $1,000,000 and deductibles ranging from $0 to $2,500. Based on these options, the monthly cost can range from as low as $29 to $379 or more.
To illustrate the cost structure, let's consider an example. Suppose a traveller chooses a policy maximum of $500,000 and a deductible of $250. In this case, the daily rate for the Patriot International Lite Insurance plan would be approximately $2.75. For a month-long trip (30 days), the total cost would be $82.50, which falls within the monthly cost range of $29 to $379.
It is important to note that the cost of the plan consists of both insurance and non-insurance components. The actual cost may vary based on individual factors, such as age, specific coverage requirements, and the state of residence. It is recommended to contact International Medical Group directly to obtain detailed information regarding the features and pricing of each travel plan component.
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Patriot America Plus Insurance: Comprehensive, low-cost insurance for visitors to the US
Patriot America Plus Insurance is a comprehensive travel health insurance plan offered by International Medical Group (IMG) for all non-US citizens travelling to the US from their home country. It is a popular and low-cost insurance option for visitors to the US, providing coverage for acute onset of pre-existing conditions and COVID-19, just like any other eligible medical condition that occurs after the effective date of the policy.
The plan offers policy maximums ranging from $50,000 to $1,000,000 and various deductibles from $0 to $2,500. Patriot America Plus can be purchased for any duration between 5 days to 2 years. The application process is simple and does not require a medical exam. Applicants need to provide their date of birth, passport number, name, home country address, and travel dates.
Patriot America Plus Insurance provides instant quotes, and purchases can be made instantly with a credit card payment. The insurance is underwritten by SiriusPoint Specialty Insurance Corporation and is rated A- "Excellent" by A.M. Best. It participates in the United Healthcare PPO network, which includes physicians and hospitals across the United States.
This insurance plan ensures that visitors to the US can have peace of mind knowing that they are covered for medical emergencies during their stay. It is important to note that the terms of insurance coverages may vary by jurisdiction, and not all insurance coverages are available in all jurisdictions. Exclusions may include pre-existing medical conditions.
Additionally, Patriot Travel Medical Insurance by IMG offers worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance services. This plan provides various levels of coverage for individuals, families, and groups who need temporary medical insurance while travelling internationally outside of their home country.
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Patriot Platinum Plans: Access to CareClix Virtual Medicine
Patriot Platinum plans are insurance plans offered by International Medical Group (IMG) for international students, visiting scholars, exchange students, dependents, travellers, chaperones, and international business groups. These plans are underwritten by SiriusPoint Specialty Insurance Corporation, which is rated A (Excellent) by A.M. Best and A- by Standard & Poor's.
The Patriot Platinum plans include access to CareClix Virtual Medicine at no additional cost. CareClix is a telemedicine platform that provides access to a network of board-certified medical and mental health providers. It is available 24 hours a day, seven days a week, for many non-emergency medical issues via phone or online video consultations.
To use CareClix, you must first activate your account by following the instructions included with your insurance ID card or by downloading a helpful PDF guide. After activation, you can schedule a virtual doctor's visit at any time and will need to complete your medical history before your visit. There is no cost associated with using CareClix, and your plan includes unlimited visits. Doctors can submit prescriptions for pick-up at your local pharmacy through the CareClix service, although you may need to pay upfront and submit a claim for reimbursement.
If you are given a prescription or referral for an ineligible injury or illness, these costs will not be covered under your insurance plan when you submit a claim. If you are referred for follow-up care outside of CareClix, any further visits will be handled by your insurance per the benefits of your plan and will need to be submitted to your insurance company for processing.
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Patriot Travel Plans: Choose a plan that meets your needs
Patriot Travel Medical Insurance is offered by International Medical Group (IMG) and provides temporary medical insurance for individuals, families, and groups travelling for business or pleasure outside of their home country. IMG also offers Patriot America Insurance, which is specifically for visitors to the USA.
Patriot Travel Insurance Plans
There are several Patriot Travel Insurance plans to choose from, each with different benefits and price points. Here are some of the most popular plans:
Patriot International Lite
This plan is available for both US and non-US citizens travelling outside the US. It provides coverage for acute onset of pre-existing conditions, medical expenses, emergency medical evacuation, repatriation of remains, accidental death and dismemberment, and more. The plan can be renewed for up to 2 years and satisfies Schengen visa requirements. The cost of this plan ranges from $29 to $379 per month, depending on factors such as the age of the traveller, the length of coverage, the plan limit, and the deductible.
Patriot America Plus
This plan is for non-US residents travelling to the US. It provides comprehensive coverage for medical expenses, including COVID-19, and offers instant quotes and purchases with credit card payments. There is no medical exam needed, and the plan can be purchased for 5 days to 2 years. The policy maximums range from $50,000 to $1,000,000, with deductibles from $0 to $2,500.
Patriot Platinum
The Patriot Platinum plan includes access to CareClix Virtual Medicine and IMG's Travel Intelligence, which provides location-specific insights about travel, safety, security, and health incidents. This plan does not provide coverage for routine or preventative care but does cover dental treatment due to accidents or unexpected pain up to a limit.
Choosing a Plan
When choosing a Patriot Travel Insurance plan, it is important to consider your specific needs and requirements. Factors such as your destination, length of stay, age, health status, and budget will play a role in determining the best plan for you. It is recommended to carefully review the benefits, exclusions, and limitations of each plan to ensure that it meets your unique needs.
For more information and to request a quote, you can contact International Medical Group or visit their website.
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Patriot Insurance Cost: Premium based on a daily rate
Patriot Travel Medical Insurance offers a range of plans to cater to different needs and budgets. The cost of the plan depends on several factors, including the age of the traveller, the length of coverage, the plan limit, and the deductible. One important factor that influences the premium is the number of coverage days. The premium is based on a daily rate, so the more coverage days you need, the higher the premium will be.
The Patriot International Lite plan, for example, takes into account the age of the traveller and the deductible amount when determining the cost per month. This plan is available for US and non-US citizens travelling outside the US and can provide coverage for up to 12 months. The monthly cost can range from $29 to $379, depending on factors such as age, plan maximum, and deductible.
The deductible is a key component in determining the premium cost. A higher deductible results in a lower premium, while a lower deductible leads to a higher premium. The deductible is the amount you must pay to your provider before the insurance company covers a percentage of your eligible expenses. The Patriot International Lite plan offers deductible options ranging from $0 to $2,500.
The length of coverage also impacts the cost. The Patriot America Lite plan, designed for non-US residents travelling to the US, can be purchased for up to 12 months and extended for up to 24 consecutive months. The longer the coverage period, the higher the overall premium will be, as the daily rate is applied for each day of coverage.
It's important to note that the premium for the entire plan is due immediately at the time of application. This means that, regardless of the length of coverage, the full amount will be charged upfront. This upfront payment ensures that travellers have peace of mind and can focus on enjoying their international experience without worrying about their medical coverage.
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Frequently asked questions
The cost of the Patriot International Lite plan ranges from $29 to $379 per month, depending on factors such as the age of the traveller, the plan maximum, and the deductible.
The Patriot International Lite plan provides coverage for acute onset of pre-existing conditions, medical expenses, emergency medical evacuation, repatriation of remains, accidental death, and dismemberment.
The Patriot International Lite plan is available for both US and non-US citizens travelling outside the US.
The Patriot International Lite plan can be purchased for periods ranging from 5 days to 12 months and can be renewed for up to 2 years.
The Patriot Travel Medical Insurance plan is paid for in monthly instalments, with the cost depending on factors such as the age of the traveller, the length of coverage, the plan limit, and the deductible.
