Patriot America Plus and Patriot Platinum America, both top-rated visitor insurance products for visitors to the USA, have been were updated by the the plan administrator – International Medical Group (IMG) – to include COVID-19 coverage due to the global pandemic. These changes are effective September 1st, 2020 and impact the below IMG insurance plans:
- Patriot America Plus
- Patriot Platinum America
- Patriot America Plus Group
- Patriot Platinum America Group
These short-term travel medical products benefits have wording changes to this effect as detailed below.
The Patriot America Plus and Patriot Platinum America plans are updated to include coverage for COVID-19 or Coronavirus. Also, Patriot Series and Visitors Care products have a new carrier: Sirius Specialty Insurance Corporation. Both changes are effective September 1st, 2020.
In addition to the above change, the Patriot Series and Visitors Care products will change from their existing carrier, Sirius International Insurance Corporation, to a new carrier within the Sirius Group, Sirius Specialty Insurance Corporation. These changes are also effective September 1st, 2020 and impact all Patriot Series and Visitors Care IMG insurance plans.
The respective plan Brochures, and policy Certificate of Insurance sample documents have also been updated to reflect the below detailed changes. You can view and download the same on the respective plan pages.
What has changed with this update?
Below is the excerpt of the communication from the plan administrator IMG to that effect:
Effective September 1, 2020, International Medical Group (IMG) is pleased to announce updates to their Patriot America Plus and Patriot America Platinum plans that will include coverage for COVID-19 on new business if contraction and treatment occur after the effective date. Other benefit and plan changes to our premier short-term travel medical products for U.S. visitors will include:
- Repatriation/Return of Mortal Remains coverage, if death is due to COVID-19
- Limited policy maximum options for insureds 65+ years old
- Rate increases will apply accordingly
Customers who would like to renew or extend their existing plans set to expire on or after September 1st and wish to receive the new benefits should let their plan expire and then purchase a new plan. Extending or renewing their existing plan will not provide the additional benefits listed above.
New Carrier for Patriot Series and Visitors Care products
The Patriot Series and Visitors Care products will change from their existing carrier, Sirius International Insurance Corporation, to a new carrier within the Sirius Group, Sirius Specialty Insurance Corporation.
Below is the excerpt of the communication from the plan administrator IMG to that effect:
In addition to the changes described above, all Patriot International, Patriot America, and Visitors Care products will undergo a carrier change and product wording modifications.
The Patriot Series and Visitors Care products will change from their existing carrier, Sirius International Insurance Corporation, to a new carrier within the Sirius Group, Sirius Specialty Insurance Corporation. The policy wordings for these plans will also be updated with new language under Conditions and General Provisions as well as Pandemic Exclusions.
The carrier and product wording updates will apply to all existing and new business with effective dates of September 1st or later, in addition to all renewals and extensions made on or after September 1st.
Customers who have already purchased a Patriot Travel Series or Visitors Care plan that is not yet effective will receive this email on September 1st informing them of the change. Customers who already have a plan in effect will be notified of the carrier change at the time of their next extension or renewal.
Questions or Concerns, Contact Us Today!
We appreciate your interest in these visitors insurance, visitor health insurance, visitor medical insurance, and travel medical insurance plans for visitors insurance coverage for visiting the USA, or traveling outside your home country. We look forward to addressing all your queries, if any. If you have any questions or concerns regarding this information, please contact us today.