IMG Patriot America Plus

Patriot America Plus sits above IMG's base Patriot America plan, adding coverage for the unexpected recurrence of a pre-existing condition up to a set limit, along with a slightly richer set of benefits around hospital indemnity and physician visits. For a visitor with a stable but ongoing health condition, that recurrence provision can be the deciding factor between this plan and a competitor that excludes pre-existing conditions completely.

Coverage is primary, so it pays directly rather than requiring the visitor to first exhaust some other insurance they likely don't have in the US anyway. Medical evacuation and repatriation are included as standard, and IMG's claims network is set up to work with US hospitals directly, cutting down on the confusion a visitor unfamiliar with US billing practices would otherwise face. It suits a family bringing over a parent or grandparent for an extended stay who wants a bit more coverage depth than the most basic visitor plan offers.