IMG Patriot America Plus
The most trusted visitor insurance plan in the US. Comprehensive emergency medical coverage, IPA network access, and acute onset pre-existing condition protection.
Up to $1,000,000 coverage · Ages 0–99 · From ~$1.50/day
Up to $1M · Ages 0–99 · From ~$1.50/day
Coverage Details
What's included in every IMG Patriot America Plus policy.
| Benefit | Detail |
|---|---|
| Maximum Medical Coverage | $50K, $100K, $500K, or $1,000,000 |
| Deductible Options | $0, $100, $250, $500, $1,000, $2,500 |
| Coinsurance (in-network) | 80/20 up to $5,000, then 100% |
| Coinsurance (out-of-network) | 60/40 up to $10,000, then 100% |
| Pre-existing (Acute Onset) | Up to $50,000 per occurrence |
| Emergency Evacuation | Up to $1,000,000 |
| Repatriation of Remains | Up to $50,000 |
| Prescription Drugs | Covered (subject to deductible) |
| Emergency Dental | Up to $250 |
| Telemedicine | Included at no extra cost |
| Mental Health Emergency | Covered as medical emergency |
| AD&D | $25,000 principal sum |
| Available Ages | 0 days to 99 years |
| Policy Period | 5 days to 364 days |
Coverage subject to policy terms. Review the full Certificate of Insurance for complete details.
Who Is IMG Patriot America Plus Best For?
Parents & Grandparents Visiting
The #1 choice for families sponsoring parents from India, Mexico, China, Philippines, and 190+ other countries.
B1/B2 Visa Holders
Covers the entire US visit. Satisfies the informal insurance expectation at some consulates.
Budget-Conscious Buyers
Strong coverage at a very competitive price point — the best value-to-coverage ratio in its class.
Travelers Needing Renew Options
Can be extended month-to-month up to 364 days — ideal for long-stay visitors.
How Does IMG Compare to Trawick & WorldTrips?
IMG Patriot is the most popular, but the right choice depends on your needs.
IMG Patriot America Plus
Best value + most popular
Great all-around plan
Trawick Safe Travels USA
Most deductible flexibility
$0–$5,000 deductible range
WorldTrips Atlas America
Highest coverage limits
Up to $2,000,000 coverage
IMG Patriot America Plus — FAQs
What is IMG Patriot America Plus?
IMG Patriot America Plus is a comprehensive travel medical insurance plan for non-US citizens visiting the United States. It is underwritten by SiriusPoint Specialty Insurance and administered by International Medical Group (IMG). The plan covers emergency medical care, hospitalization, surgery, emergency evacuation, and more — with options ranging from $50,000 to $1,000,000 in medical coverage.
Does IMG Patriot America Plus cover pre-existing conditions?
IMG Patriot America Plus covers the acute onset of pre-existing conditions — meaning a sudden, unexpected medical emergency directly related to a known chronic condition (like heart disease, diabetes, or hypertension) is covered if it requires immediate treatment. Ongoing management or routine treatment of pre-existing conditions is not covered. The acute onset benefit provides up to $50,000 for emergency treatment.
How much does IMG Patriot America Plus cost?
IMG Patriot America Plus costs approximately $1–$3 per day depending on age, coverage amount, and deductible chosen. A 50-year-old traveler with $100,000 in coverage and a $250 deductible for 30 days costs roughly $45–$65. A 70-year-old on the same plan for 90 days runs approximately $180–$280. Use our free quote tool for exact pricing.
What network does IMG Patriot America Plus use?
IMG Patriot America Plus uses the IPA (International Provider Access) network, one of the largest PPO networks in the US with over 1.3 million providers including hospitals, specialists, urgent care centers, and pharmacies. Using in-network providers reduces out-of-pocket costs and allows for direct billing — the hospital bills IMG directly rather than requiring upfront payment from the patient.
What deductible options are available for IMG Patriot America Plus?
IMG Patriot America Plus offers deductible options ranging from $0 to $2,500 per policy period. The most common choice is a $250 deductible, which balances a reasonable premium with manageable out-of-pocket costs. Choosing a higher deductible ($1,000 or $2,500) lowers the premium significantly.
Can IMG Patriot America Plus be extended?
Yes. IMG Patriot America Plus can be extended as long as no claim has been filed during the current policy period and the maximum coverage duration hasn't been exceeded (typically 364 days). Extensions can be requested online through the IMG member portal. We recommend extending at least 5–7 days before the current policy expires to avoid any coverage gap.
Ready to Get IMG Patriot America Plus?
Get your exact price in 2 minutes. No commitment required.
Licensed in Texas · Plans from IMG, Trawick & WorldTrips · Mon–Fri 9AM–6PM CST