IMG Patriot America Plus is one of the most popular visitor insurance plans in the USA — but how much does it actually cost? This guide breaks down pricing by age, deductible, and coverage level so you can compare accurately before you buy.
Quick Answer
IMG Patriot America Plus typically costs $2–$8 per day for visitors aged 26–40, rising to $8–$20/day for ages 60–69 and $20–$50/day for ages 70+. Choosing a $250 deductible instead of $0 can cut premiums by 20–35%.
What Affects the Cost of IMG Patriot America Plus?
Four variables drive the premium: (1) Age of the insured — the single biggest factor. A 35-year-old pays roughly 3x less than a 70-year-old. (2) Deductible selected — options range from $0 to $2,500. Higher deductibles lower your premium significantly. (3) Coverage maximum — plans range from $50,000 to $1,000,000. (4) Duration — longer trips cost more, but the per-day rate often drops slightly for extended stays.
Sample Monthly Costs by Age (2026)
These are approximate monthly costs for a $250 deductible, $500,000 maximum plan: Age 26–35: ~$60–$120/month. Age 36–50: ~$80–$160/month. Age 51–60: ~$140–$250/month. Age 61–70: ~$250–$450/month. Age 71–79: ~$400–$700/month. All rates are for the USA as the coverage area. Rates increase when the USA is included due to high US medical costs.
How to Lower Your IMG Patriot America Plus Premium
The easiest way to reduce cost is to increase your deductible. Going from $0 to $250 typically saves 20–25%. Going from $0 to $500 saves 30–40%. Another option: reduce the coverage maximum from $1M to $500K if your parents are relatively young and healthy. For stays under 30 days, the per-day rate is higher — 60-day and 90-day policies are often better value.
Is IMG Patriot America Plus Worth the Cost?
For visitors to the USA, the plan's value comes from three things: (1) Access to the UnitedHealthcare Options PPO network — one of the largest in the US, covering hospitals in every state. (2) Acute onset of pre-existing conditions coverage — critical for older parents with chronic conditions. (3) 24/7 multilingual emergency assistance. A single hospitalization in the US averages $25,000–$150,000. Paying $150–$400/month for coverage that protects against six-figure bills is strongly worth it.
Frequently Asked Questions
How much does IMG Patriot America Plus cost per month?
For a 60-year-old with a $250 deductible and $500K maximum, expect $200–$350/month. For a 45-year-old, expect $100–$180/month. Exact pricing depends on your specific dates, age, and coverage selection.
Is there a way to get a free quote for IMG Patriot America Plus?
Yes. You can get an instant online quote at towerhilltravelinsurance.com in under 2 minutes with no obligation to purchase.
Does IMG Patriot America Plus have a waiting period?
Yes. Most plans have a 48–72 hour waiting period for illness (not accidents). This means if you purchase today, illness coverage starts in 2–3 days. Accident coverage typically starts immediately.
Can I renew IMG Patriot America Plus while in the USA?
Yes. Patriot America Plus can be extended online before expiration, up to 24 months total. Extensions must be purchased before the current policy expires.
Does the premium change based on US state?
No. IMG Patriot America Plus premiums are the same regardless of which US state you're visiting.