| Q1: Am I eligible for the Patriot America Plus plan? The Patriot America Plus plan is available for any non-US Resident, visiting the USA for a short period of time. It is available for US citizens, and Non US citizens who live outside USA permanently, and are traveling to the USA for a short time. |
| Q2: Are pre-existing conditions covered by the Patriot America Plus plan? Pre-existing conditions are not covered by Patriot America Plus plan. However the Patriot America Plus plan covers for an acute onset of pre-existing conditions for people under age 70. It is up to the attending physician to determine if a particular medical situation is related to pre-existing condition or not, and also if it would be considered as an acute onset or not. Please check the Description of Coverage for more information about what is considered as acute onset of pre-existing condition. |
| Q3: What is an acute onset of pre-existing condition? An acute onset is a sudden unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration. It has to be an acute medical condition that requires immediate medical attention. More conditions and restrictions apply. Please check the Description of Coverage to understand what is covered under acute onset of pre-existing condition. |
| Q4: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Patriot America Plus, which is the UnitedHealthcare PPO Network. You can search for doctors or hospitals in this Provider Directory. |
| Q5: If I have dual citizenship, which one do I mention in the application? If you have dual citizenship, including US citizenship, and live outside the US but make short trips to the US, you would need to use your US citizenship. |
| Q6: How do I file a claim? Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process |
| Q7: How much does Patriot America Plus cost? The cost of Patriot America Plus varies based on several qualifying criteria, such as the traveler's age, duration or length of trip, selected coverage benefit limits, and the selection of additional riders. |
| Q8: How do I use this insurance? Please refer to the following article about the policy usage:
How to Use Your Visitor Insurance |
| Q9: Why are there state restrictions, and how will it affect me if I visit those states? Each insurance company may have state-specific regulations on where their plans can be sold, affecting only residents of those states. However, if you are traveling to the United States, you will be covered in all 50 states during your active policy period |
| Q10: Can I extend the plan, if I plan to stay longer? Yes, you can extend the policy. We recommend extending the plan at least two days before the policy expires. There would be an extra $5 extension fee. |
| Q11: Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Patriot America Plus Plan, if you need to go back earlier than planned. The following rules apply: - Submit cancellation request through your account.
- If you cancel the policy before the start date, you are eligible for a full refund.
- If you cancel after the policy start date, you can get a refund only if no claims have been filed.
- $50 cancellation fee applies.
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| Q12: Can I cancel only one person from the policy? You cannot remove one person from the policy if other travelers are included. We recommend letting the current policy lapse with all travelers or canceling and repurchasing for the remaining travelers as per the policy terms. |
| Q13: What information do I need to buy the plan?
You will need full name(s), date(s) of birth, home country address, and a valid credit card.
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| Q14: When will I receive my ID card? Within 5 minutes of purchasing the policy, you'll receive an email to access your insurance ID online through your account. You can also retrieve your ID card using MyIMG: Get My ID Card |
| Q15: If I travel to multiple countries, will I be covered? Coverage will be provided in all eligible countries, except your Home Country and any restricted countries listed in the policy. Coverage is valid only within the policy dates. Note: If any part of your trip includes the United States, please select it as your destination country. |
| Q16: Does Patriot America Plus cover coronavirus? Patriot America Plus can cover for COVID-19 and will be treated the same as any other eligible medical condition so long as the virus is contracted after the policy effective date and you have departed from the country of residence. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. |
| Q17: When purchasing a plan, can I pay monthly or do I need to make the full payment upfront? Based on the desired coverage length you have selected, you have to make the full payment at once. Since this plan is extendable you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension. |
| Q18: Is there a waiting period for coverage to begin on my travel medical plan? Coverage begins on the selected date once the policyholder leaves their home country and only new covers conditions which arise after this date. |
| Q19: Why do my policy documents only list one destination country? Only the primary destination will be listed on the policy documents, but all eligible countries will still be covered during the policy period. |
| Q20: When does my coverage start and end on my travel medical insurance plan? The travel medical insurance plan starts coverage on the date of departure (12:01 am EST) and once the traveler leaves their home country. Coverage applies if the initial destination country is the United States, and includes any subsequent travel to or within any of Canada, Mexico, Central America, Caribbean Islands, or South America as long the policy is active. Coverage ends immediately upon re-entry into the home country and at 12:01 am EST on the last coverage date. |
| Q21: Will my Patriot America Plus plan be extended /renewed automatically? No, your Patriot America Plus plan won't be extended or renewed automatically. You may sign into your account online and activate the extension or renewal yourself. Not all plans are extendable or renewable, so be sure to review your policy terms and conditions for eligibility. |
| Q22: Does the Patriot America Plus plan cover for the coronavirus vaccine/boosters? The Patriot America Plus plan does not cover for the COVID-19 vaccine/booster, but will cover COVID-19 treatment and services the same as any other eligible condition if contracted after the policy effective date. Preventative care related to COVID-19, like vaccines/boosters is not covered under the policy. Please sign in to your account to view your plan-specific documents for any limits or exclusions. |
| Q23: Does the Patriot America Plus plan cover for coronavirus testing? Patriot America Plus will only cover for COVID-19 testing if the policyholder is experiencing symptoms and the test is ordered by an attending physician for diagnostic purposes. COVID-19 tests to meet travel requirements will not be covered. |
| Q24: Does the Patriot America Plus plan provide quarantine coverage? The Patriot America Plus plan does not offer any coverage for quarantine. |
| Q25: I am on a student visa, am I eligible to purchase the plan as a short term health option during my participation in school or educational program? If your school or educational program does not any have specific health insurance requirements to meet, this plan can offer short-term health insurance coverage while you are abroad. It is important to confirm with the school or educational program to ensure that any short-term health insurance plan will be accepted by them. |
| Q26: What's the Rx Discount Card that comes with this plan? This is a discount savings program available to every certificate holder of the Patriot travel plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price. This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot travel plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan. Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card |
| Q27: Why do corrections take 3-5 business days? The insurance provider recommends submitting correction requests in writing, as your policy is a legally enforceable document. Once received, we forward the request to the provider, who will process requests in the order they are received. It typically take 3-5 business days, for the correction to be completed. To avoid errors and corrections, please double-check your application before purchasing. |
| Q28: What is the Adventure Sports Rider and what does it cover? The Adventure Sports Rider offered in the Patriot America Plus plan is available for travelers up to the age of 65 and must be purchased at the time of application. The rider is designed to cover a policyholder while participating in the following activities if the activity is solely for leisure, recreation or entertainment purposes:abseiling, BMX; bobsledding; bungee jumping; canyoning; caving; hot air ballooning; jungle zip lining; parachuting; paragliding; parascending; rappelling; skydiving; spelunking; 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. PLEASE NOTE: 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. |
| Q29: What is the Device/Cellular Protection Rider and who is eligible for this benefit? The Device/Cellular Protection rider is an optional coverage that certain residents can purchase to cover their cellular phone in case of damages during travel. The optional rider can either provide coverage for repair costs or some coverage for replacing the cellular phone.
Residents from the following countries have the option to purchase this additional rider for coverage during their international travels: USA, Belgium, Netherlands, Norway, Sweden, Finland, Denmark, Austria, Italy, Ireland, South Korea, Hong Kong, Vietnam, Malaysia, Indonesia, Philippines, Thailand.
To learn more about the Device/Cellular protection rider, click here. |
| Q30: What is the Accidental Death and Dismemberment Rider and what does it cover? The Accidental Death and Dismemberment rider is a choice exclusively offered to the main insured person, and it must be acquired at the time of application, with a minimum requirement of 3 months of coverage. This additional rider provides enhanced coverage on top of the standard Accidental Death and Dismemberment benefit already incorporated within the policy. PLEASE NOTE: The Premium is charged in whole-month increments |
| Q31: What is the Telehealth Rider and what does it cover? The telehealth rider is an optional benefit that provides 24/7 access to U.S. board-certified doctors and pediatricians for diagnosis, treatment, and prescriptions for new illnesses or injuries via phone or video. |
| Q32: Where can I find answers to other questions I have? Learn more from informative articles at the Visitor Insurance Information section. Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information |
| Q33: My credit card expired how do I receive my refund? If your original payment method is invalid, refunds will require a wire or ACH transfer. You will need to provide the account holder's full address, account type (checking/savings), and complete bank information for processing. |
| Q34: Why is my premium $10 when the daily rate calculated is less? To purchase the Patriot America Plus policy, the minimum premium must be at least $10. If your total premium for the duration of coverage is less, you will be charged $10 to meet the requirement. |