4.7
Tower Hill Rating
IMG Patriot America Plus is consistently one of the top-selling visitor insurance plans for non-US residents traveling to the United States. Underwritten by Sirius International Insurance Corporation — an A-rated carrier — it's been trusted by millions of visitors for over 20 years. This review covers everything you need to know before buying.
Quick Answer
IMG Patriot America Plus is a top-rated visitor medical insurance plan offering $50,000–$1,000,000 in coverage, access to the UnitedHealthcare PPO network, emergency medical evacuation, and acute onset pre-existing condition coverage. Available for ages 14 days to 99. Underwritten by A-rated Sirius International Insurance.
Plan Overview
| Maximum Benefit | $50,000 / $100,000 / $500,000 / $1,000,000 |
| Deductible Options | $0 / $100 / $250 / $500 / $1,000 / $2,500 |
| Coinsurance (In-Network) | 100% after deductible |
| Coinsurance (Out-of-Network) | 80% to $5,000, then 100% |
| Pre-Existing Conditions | Acute onset covered up to policy maximum |
| Emergency Evacuation | Up to $500,000 |
| Repatriation of Remains | Up to $50,000 |
| Dental Emergency | Up to $500 |
| Mental Health | Covered same as medical |
| Prescription Drugs | Covered for covered conditions |
| Trip Interruption | Up to $5,000 |
| 24/7 Assistance | Yes — multilingual |
| Plan Type | PPO — any US doctor or hospital |
| Coverage Period | 5 days to 2 years |
Pros & Cons
Pros
- ✓PPO network — use any licensed US provider
- ✓Acute onset pre-existing condition coverage
- ✓High max benefit up to $1,000,000
- ✓Flexible deductible options from $0
- ✓Trusted brand — 20+ years in the market
- ✓Instant policy documents after purchase
- ✓Can be extended before expiration
Cons
- –Premiums increase significantly for ages 65+
- –Pre-existing coverage is acute onset only (not ongoing treatment)
- –No cancel-for-any-reason option
- –Does not cover routine or preventative care
Who Is This Plan Best For?
- Parents and grandparents visiting from overseas
- Travelers ages 18–64 visiting the USA for any purpose
- Anyone who wants PPO-network flexibility (any US hospital or doctor)
- Families looking for high-limit coverage at competitive rates
- Travelers who value brand reliability and claims track record
Pricing Examples
| Age | 30-Day Plan / $100K / $0 Ded. | 30-Day Plan / $100K / $250 Ded. |
|---|---|---|
| 30–39 | ~$40–$55 | ~$30–$40 |
| 40–49 | ~$55–$75 | ~$40–$55 |
| 50–59 | ~$80–$110 | ~$60–$85 |
| 60–69 | ~$130–$180 | ~$100–$140 |
| 70–79 | ~$200–$280 | ~$160–$220 |
* Estimates only. Actual pricing depends on travel dates and selected options. Use our quote tool for exact pricing.
Our Verdict
IMG Patriot America Plus earns its reputation as the go-to visitor insurance plan for the USA. The combination of PPO network access, high benefit limits, and solid acute onset pre-existing condition coverage makes it the right choice for most visitors. If your priority is flexibility and peace of mind, this is the plan to start with.
The main limitation is pricing for older travelers — if your parent is over 65, run a comparison with WorldTrips Atlas America to see if the value proposition holds.