Patriot America Plus Insurance Review

Patriot America Plus Insurance is a travel medical insurance plan designed for non-U.S. citizens visiting the U.S. or U.S. citizens traveling abroad. This plan is offered by IMG (International Medical Group), a provider known for its travel and medical insurance services. The Patriot America Plus plan specifically targets people who need comprehensive coverage while traveling outside their home country. Patriot America Plus is a comprehensive travel medical insurance plan designed for visitors to the United States and non-U.S. citizens traveling abroad, offering key benefits like coverage for acute onset of pre-existing conditions (up to age 70), COVID-19 coverage, and access to the United Healthcare PPO network for direct billing and lower out-of-pocket costs.

Coverage Details:

The plan covers new medical conditions, injuries, or accidents occurring after the effective date, including surgery, ICU, hospital room, physician visit, urgent care, emergency room, prescription drugs, and more.

COVID-19 is treated like any other covered illness if contracted after the policy’s start date.

Emergency medical evacuation, emergency reunion, return of minor children, loss of checked luggage, and trip interruption benefits are included.

After the deductible is met, 100% of eligible medical expenses within the United Healthcare PPO network are covered; outside the network, 90% of costs up to $5,000 and then 100% after.

Pricing and Eligibility:

Coverage durations can range from 5 days to 365 days, with the option to renew or extend for longer stays.

Daily premiums vary by age and chosen coverage amount. For travelers under 70 years, premiums for a $250 deductible range from about $2–$12 per day depending on age and policy maximum selected.

Key Features:

Medical Coverage:

Emergency Medical Expense: Covers injuries or illnesses that occur during travel. It provides a relatively high level of coverage, typically in the range of $50,000 to $2 million, depending on the plan and the individual’s age.

Emergency Medical Evacuation: This is crucial if you need to be transferred to a medical facility or evacuated from the location where you’re traveling to receive appropriate treatment.

Repatriation of Remains: If the worst happens, this benefit covers the cost of transporting the deceased’s body back to their home country.

Trip Interruption / Trip Delay:

Trip Interruption: Covers the costs if your trip is interrupted due to unforeseen events, such as illness, injury, or even natural disasters.

Trip Delay: Reimburses you for additional travel costs if your trip is delayed (e.g., hotel stays or meal costs).

Emergency Dental Coverage:

Dental emergencies are included under this plan, which can be a huge relief for travelers who are not sure how to handle dental issues while abroad.

Coverage for Pre-existing Conditions:

Acute onset of pre-existing conditions is covered up to the policy maximum for those under age 70, but not for older travelers. Patriot America Plus covers some pre-existing conditions under certain circumstances, provided the traveler has purchased coverage before leaving their home country. It’s an important distinction if you have chronic conditions or any ongoing medical issues. No general coverage for pre-existing conditions outside of the acute onset clause.

24/7 Assistance:

A 24/7 assistance hotline for emergency support and help with medical referrals. This is particularly useful when you’re in a foreign country and might not be familiar with the local healthcare system.

Flexible Duration:

The policy can cover trips ranging from a few days to a year, which offers flexibility based on the traveler’s needs.

Pros of Patriot America Plus Insurance:

Comprehensive Coverage: It provides a broad array of benefits, making it one of the more inclusive options for travelers needing medical coverage.

High Limits: For major medical expenses, it offers fairly high coverage limits, which is crucial in places like the U.S., where healthcare can be very expensive.

Pre-existing Condition Coverage: The ability to cover pre-existing conditions under certain acute-onset conditions is a standout feature in travel medical insurance.

Emergency Evacuation: Emergency evacuation coverage is always essential for travelers, particularly those heading to remote locations.

Flexible Plan Options: Depending on the needs, you can opt for a plan that offers more or less coverage, depending on your budget and trip details.

Cons of Patriot America Plus Insurance:

Limited Coverage for Non-Emergency Care: It’s designed for emergency situations, so it won’t cover routine checkups or non-emergency care while abroad.

Cost Can Be High: As with any comprehensive insurance, the premiums can vary significantly based on the trip's duration, your age, and where you're traveling. For some travelers, it could be on the expensive side.

Age Restrictions: The plan might be more expensive or have restrictions if you're older, particularly for travelers over 70 or 80 years old.

Who Should Consider It?

International Travelers: If you’re traveling to the U.S. or any other foreign country, this insurance is designed specifically for you, covering things like emergency medical needs and evacuation.

Frequent Travelers: Those who travel regularly or for extended periods might benefit from the flexibility and extensive coverage options.

Travelers with Pre-existing Conditions: It’s one of the few plans that might offer some coverage for pre-existing conditions, but you’ll need to meet certain criteria.

Customer Feedback

The insurer, SiriusPoint Specialty Insurance Corporation, is rated A- "Excellent" by A.M. Best.

Some user reviews suggest challenges with claims processing and acceptance; negative experiences have been reported where claims were declined, so careful understanding of exclusions and required documentation is advised.

Comparison Highlights with Other Plans

Compared to similar plans like Atlas America, Patriot America Plus offers competitive acute onset pre-existing condition coverage, though generally with slightly lower maximum limits and fewer deductible options. 

Atlas Travel Insurance is another solid option for international travel, with slightly different features. It stands out for straightforward COVID-19 coverage, a wide PPO network, and solid medical evacuation benefits.

Checkout Atlas America vs. Patriot America Plus for a detailed comparison.

Conclusion:

Patriot America Plus is best suited for short-term visitors to the U.S. looking for comprehensive protection and coverage for acute onset of pre-existing conditions, though users should carefully review policy details and prepare for meticulous claims documentation. Patriot America Plus is generally well-regarded for its comprehensive coverage, particularly for travelers needing medical protection abroad. It’s a strong option for those traveling to the U.S. or abroad who want peace of mind with high medical coverage and emergency evacuation options. If you’re considering this, be sure to compare it with other policies in terms of cost and benefits, especially if you have pre-existing conditions or specific medical needs.

When evaluating Patriot America Plus or any other travel medical insurance plan for that matter, it’s important to consider your specific coverage needs, such as age of the insured person, the length of your stay, the type of activities you’ll be participating in, and any pre-existing medical conditions. Reading reviews and comparing plans on VISOA.com, or calling the licensed insurance agent at VISOA (Visitor Insurance Services of America) can help you make an informed decision.

Atlas America Insurance Review

Atlas America Insurance is a visitor health insurance plan designed for foreigners and international visitors to the United States and/or traveling to other nations also outside their home country. The policy offers comprehensive coverage benefits for medical emergencies, including hospitalization, doctor visits, and emergency evacuation, which is crucial for USA visitors and travelers who may not have domestic health insurance while in America, which has some of highest healthcare costs in the western world.

The Atlas America comprehensive coverage visitor insurance plan typically offers a range of maximum coverage and deductible options, with a wide rate of benefits including medical expenses, emergency evacuation, and repatriation. This can be particularly valuable for USA visitors as international travelers to America  who need coverage while abroad outside their home country.

The Atlas America travel medical insurance plan is underwritten by Lloyd’s of London and administered by the WorldTrips Travel Insurance.

Review of the Atlas America Insurance Plan for USA Visitors

Atlas America Insurance is a visitors insurance plan designed specifically for travel to the United States, the policy is suited USA visitors including relatives or parents visitings USA, traveler tourists, and expatriates. 

Atlas America Coverage Highlights

Here are some key aspects to consider when reviewing Atlas America Insurance:

1. Medical Expenses:
• Coverage Limits: Atlas America typically offers high maximum coverage limits, often up to $2 million (based on age), for medical expenses incurred due to illness or injury.
• Benefits: Includes coverage for hospital stays, surgery, doctor visits, and prescription medications.
• Deductibles: Various deductible options are available, allowing you to choose a plan that fits your budget and needs.
2. Emergency Medical Evacuation:
• Coverage: Provides coverage for emergency evacuation to the nearest suitable medical facility or repatriation to your home country if necessary.
• Benefits: Can include transport expenses, which can be substantial in the case of serious medical emergencies.
3. Repatriation of Remains:
• Coverage: Covers the cost of returning your remains to your home country in the unfortunate event of death.
4. Trip Interruption and Cancellation:
• Coverage: Some plans offer coverage for trip interruption or cancellation due to covered reasons, such as medical emergencies or unforeseen events.
• Benefits: Provides financial protection if you need to cancel or cut short your trip due to emergencies.
5. 24/7 Assistance Services:
• Availability: Atlas America includes 24/7 travel assistance services, which can help you find local medical providers, translate medical information, and provide emergency assistance.
6. Hospital Room and Board:
• Coverage: Covers expenses for hospital room and board, including ICU, if hospitalization is required.

Atlas America Key Exclusions and Limitations

• Pre-existing Conditions: Coverage for pre-existing conditions is typically excluded, or it may be covered under specific conditions if purchased as an optional benefit. This can include conditions that existed before the start of the policy. However, the policy does cover acute-onset of pre-exist ing conditions, for insured persons below age 80 years.
• Routine or Preventive Care: Routine check-ups, preventive care, and non-emergency procedures are usually not covered. This policy is designed primarily for unexpected medical emergencies.
• High-Risk Activities: Engaging in high-risk activities such as extreme activities or hazardous sports or hobbies might not be covered. It’s important to review the list of excluded activities to ensure your planned activities are covered.
• Travel to Restricted Areas: Atlas travel plan like many other competing travel health policies might not cover medical expenses if you travel to areas with travel warnings or restrictions due to war or where where no commerce is allowed by the US.

Atlas America Cost and Flexibility

• Pricing: The cost of Atlas America insurance varies depending on factors such as the duration of coverage, the chosen deductible, and the age of the traveler. Higher coverage limits and lower deductibles generally increase the cost.
• Flexible Terms: You can often choose coverage periods ranging from a few days to several months, which provides flexibility depending on your travel plans.

Atlas America Claims Process

• Documentation: Ensure that you keep thorough records of all medical treatments, receipts, and documentation of your expenses. Proper documentation is crucial for a smooth claims process.
• Process: Claims can generally be filed online or via mail. Some users report that the claims process can be slow or require significant paperwork, so understanding the process and being diligent with documentation is important.

Atlas America Client Testimonials and other Customer Feedback

• Positive: Many customers appreciate the comprehensive coverage and the peace of mind it provides while traveling in the U.S. Also, the high rating of the plan underwriter is seen as strength of the company backing the paper. The 24/7 assistance is often highlighted as a valuable feature.
• Negative: Some users have experienced difficulties with the claims process and noted challenges with understanding the policy’s exclusions and limitations. Reading the policy details thoroughly and asking questions before purchasing can help mitigate these issues.

Atlas America Visitor Insurance - Why Should I buy the Policy?

Atlas America Insurance is a solid choice for international visitors to the U.S. who need reliable medical coverage. It offers extensive benefits for medical emergencies, including evacuation and repatriation, which can be crucial for travelers. However, potential buyers should carefully review the policy details, exclusions, and limitations to ensure it meets their needs and understand the claims process to avoid potential issues.

When evaluating Atlas America Insurance or any other travel medical insurance plan for that matter, it’s important to consider your specific coverage needs, such as age of the insured person, the length of your stay, the type of activities you’ll be participating in, and any pre-existing medical conditions. Reading reviews and comparing plans on VISOA.com, or calling the licensed insurance agent at VISOA (Visitor Insurance Services of America) can help you make an informed decision.