Patriot Travel

The Patriot Travel plan provides international travel insurance to people from all over the world who are outside of their home country. There are two main plan options, based on where you are traveling to:

Travel to the USA
  • Patriot America Plus
  • Patriot America Platinum
Travel outside the USA
  • Patriot International Lite
  • Patriot International Platinum

Benefits at a glance

Worldwide, including the USA Worldwide, excluding the USA
America Plus America Platinum International Lite International Platinum
Max Limit $50K to $1M $2M to $8M $50K to $1M $2M to $8M
Deductible per certificate period $0 to $2,500 $0 to $25,000 $0 to $2,500 $0 to $25,000
Coinsurance (in-network) 100% 100% 100% 100%
Coinsurance (out-network) 80% up to $5K, then 100% 90% up to $5K, then 100% 100% 100%
Extensions Up to 24 months Up to 36 months Up to 24 months Up to 36 months
Acute Onset
of Pre-Existing Conditions Under 70
Up to Max Limit Varying limits by age up to $1M Varying limits by age up to Max Limit Varying limits by age up to $1M
$25,000 maximum for Emergency Medical Evacuation

Seeking Treatment


In non-emergency situations, you have the option to seek treatment using virtual telemedicine services. If you’ve purchased the Patriot America Plus or Patriot International Lite plans, you are free to use any telemedicine service that you’d like. You will need to pay for this service directly, keep copies of all of your receipts, and file a claim to be reimbursed for any eligible expenses per the plan policy conditions and exclusions.

With the Patriot America Platinum plan, you will have access to Teladoc at no additional cost, and with the Patriot International Platinum plan, you will have access to CareClix at no additional cost.

Provider Search

Inside the USA, the plan uses the UnitedHealthcare Network and seeking treatment there will lower your out of pocket expenses and facilitate faster claims processing. Outside of the USA, you are free to seek medical care from any provider you wish or locate a provider using the IMG International Provider Access Search.

In-Person Visits

For in-person medical care, please locate a doctor, clinic, or hospital that is part of the network. It is recommended to search for a doctor, urgent care, or walk-in clinic as the best places to seek medical care.

Only use the Emergency Room (ER) in real emergency situations, as you will have to pay more to visit the ER in the USA.

Claim Form

For each new injury/illness, you will want to submit a fully completed claim form along with any receipts and prescriptions. This will expedite the processing of your claim, and you can track the progress of your claim in the Student Zone.

Start your provider search

Doctor/Hospital Search

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