IMG (International Medical Group)
IMG Patriot America Plus
The benchmark visitor-medical plan for parents and guests visiting the USA.
Medical Sum Insured
Up to $250,000 (selectable)
Deductible
Deductible selectable $0–$2,500
Ages Accepted
0–89
Max Trip Length
365 days
Sold To
Most nationalities
Destinations
USA & Canada
Pricing Style
Per travel day
24×7 Assistance
Yes — global assistance line
Ages 70+ limited to $50,000–100,000 sum insured.
Why travellers pick it
- Direct billing at US PPO network hospitals
- Acute-onset pre-existing cover under 70
- Buy for any length from 5 days to a year
Full benefit schedule
Emergency Medical
$250,000
Choose $50k–$1M sum insured
Emergency Evacuation
$1,000,000
Air-ambulance or medically-supervised transport to the nearest adequate hospital — routinely a five-to-six-figure cost from remote areas, cruise ships or mountains.
Medical Repatriation
$50,000
Transport home for continued treatment, or repatriation of mortal remains — arranged and paid by the insurer’s assistance company.
Trip Interruption
$10,000
Reimburses the unused portion of your trip and extra transport home when a covered event cuts the trip short after departure.
Lost / Damaged Baggage
$500
Checked baggage
Accidental Death (AD&D)
$25,000
Lump-sum benefit to your nominee if an accident during the trip causes death.
COVID-19 Cover
COVID-19 treated as any illness
Medical expenses and (on some plans) quarantine allowance or cancellation if you contract COVID-19 before or during the trip.
Pre-existing Conditions
Acute onset of pre-existing conditions covered to age 69
Cover for acute, life-threatening episodes of declared pre-existing conditions — or a full waiver on US plans bought within the early-purchase window.
Emergency Dental
$300
Acute emergency dental
Telemedicine
Included
24×7 doctor tele-consultations through the assistance company, without a claim excess.
Get IMG Patriot America Plus for your exact trip
Tell us the trip and travellers — we confirm the live premium and eligibility with the insurer, handle the purchase, and stay on your file for claims help.
Key exclusions
- — Pre-existing medical conditions, unless the plan states otherwise or a waiver applies
- — Travelling against medical advice or to obtain planned/elective treatment (unless a medical-travel cover is bought)
- — Injuries from alcohol/drug influence, self-harm, or criminal acts
- — War, invasion, and active participation in civil unrest
- — Professional or competitive sports; extreme activities not on the plan’s covered list
- — Baggage left unattended in a public place; undeclared valuables above per-item limits
- — Losses recoverable from airlines, hotels, or other insurance first (most benefits pay secondary)
How claims work
Show your insurance ID at network hospitals for direct billing where available; otherwise file through the member portal with itemised bills. Always call the assistance line for admissions — unapproved non-emergency admissions can reduce benefits.
Claims submitted via the MyIMG portal; the PPO network enables direct billing at many US hospitals.
Frequently Asked Questions
How much medical cover does IMG Patriot America Plus include?
Up to $250,000 (selectable) of emergency medical cover (deductible selectable $0–$2,500). Emergency evacuation: $1,000,000.
Who can buy IMG Patriot America Plus?
Travellers aged 0–89, for trips up to 365 days. Available to travellers of most nationalities. Ages 70+ limited to $50,000–100,000 sum insured.
How do claims work on IMG Patriot America Plus?
Show your insurance ID at network hospitals for direct billing where available; otherwise file through the member portal with itemised bills. Always call the assistance line for admissions — unapproved non-emergency admissions can reduce benefits. Claims submitted via the MyIMG portal; the PPO network enables direct billing at many US hospitals.
Does IMG Patriot America Plus cover COVID-19?
Yes — COVID-19 cover: COVID-19 treated as any illness.
More from IMG (International Medical Group)
Premiums shown are indicative estimates compiled from publicly available plan literature and typical market rates — the final premium, terms and issuance are always set by the insurer. Plan benefits, limits and exclusions are summarised for comparison; the policy wording issued by the insurer is the only binding document. Confirm current terms with the insurer or our consultants before purchase.