The Patriot America Plus and Platinum plans provide a range of benefits for individuals traveling outside of their country to the USA. The Patriot America Plus allows you to choose your policy maximum from $50,000 to $1,000,000, and the Patriot America Platinum allows you to choose coverage from $2,000,000 to $8,000,000, and includes flexible deductible options on both plans. Please view the summary table below for an outline of the plan benefits and optional riders.
Benefits | Patriot America — Plus | Patriot America — Platinum |
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Policy Maximum Options |
$50,000, $100,000, $500,000, or $1,000,000 Ages 70 to 79: $50,000 Ages 80+: $10,000 |
$2,000,000, $5,000,000, or $8,000,000 Ages 70 to 79: $100,000 Ages 80+: $20,000 |
Deductible Options
Paid once per certificate period |
$0, $100, $250, $500, $1,000 or $2,500 | $0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 |
Renewal of Coverage | Coverage can be purchased for a minimum of 5 days up to 365 days at one time, and renewed for up to 2 years in total | Coverage can be purchased for a minimum of 5 days up to 365 days at one time, and renewed for up to 3 years in total |
Provider Network |
PPO Network U.S. Coverage — UnitedHealthcare Network International Coverage — International Provider Access |
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Coinsurance
— Inside the USA |
In Network — 100% of eligible expenses, after the deductible is met, up to the policy maximum
Out of Network — 80% of eligible expenses up to $5,000, then 100% up to the policy maximum, after the deductible is met |
In Network — 100% of eligible expenses, after the deductible is met, up to the policy maximum
Out of Network — 90% of eligible expenses up to $5,000, then 100% up to the policy maximum, after the deductible is met |
Pre-Certification | 50% reduction of eligible medical expenses if pre-certification provisions are not met. | |
Acute onset of Pre-existing conditions Must be under 70 years of age | Up to the maximum limit. $25,000 maximum limit for medical evacuation | Maximum limit: $1,000,000. $25,000 maximum limit for medical evacuation |
Inpatient and Outpatient Services
Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expense are limited to Usual, Reasonable, and Customary All charges are subject to the Maximum Limit per period of coverage |
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Eligible Medical Expenses | Up to the maximum limit | |
Physician Visits / Services |
Up to the maximum limit |
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Urgent Care Clinic | $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
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Walk In Clinic | $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible |
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Hospital Emergency Room |
Up to the maximum limit
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COVID-19 Coverage | Up to the maximum limit (Contraction and Treatment must occur after effective date) | |
Hospital Room & Board |
Up to the maximum limit Average semi-private room rate, including nursing services |
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Intensive Care | Up to the maximum limit | |
Bedside Visit | $1,500 maximum limit when hospitalized in an Intensive Care Unit Not subject to deductible. | |
Outpatient Surgical/Hospital Facility | Up to the maximum limit | |
Radiology/ X-ray | Up to the maximum limit | |
Chemotherapy/Radiation Therapy | Up to the maximum limit | |
Pre-Admission Testing | Up to the maximum limit | |
Surgery | Up to the maximum limit | |
Reconstructive Surgery Surgery is incidental to and follows surgery that was covered under the plan |
Up to the maximum limit | |
Assistant Surgeon | 20% of the primary surgeon’s eligible fee | |
Laboratory | Up to the maximum limit | |
Anesthesia | Up to the maximum limit | |
Durable Medical Equipment | Up to the maximum limit | |
Chiropractic Care / Physical Therapy |
Up to the maximum limit Medical order or treatment plan required |
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Extended Care Facility |
Up to the maximum limit Upon direct transfer from an acute care facility |
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Home Nursing Care |
Up to the maximum limit Provided by a Home Health Care Agency Upon direct transfer from an acute care facility |
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Prescriptions |
Up to the maximum limit Dispensing limit per prescription — 90 days |
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Emergency Services
NOT Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expense are limited to Usual, Reasonable, and Customary All charges are subject to the Maximum Limit per period of coverage |
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Emergency Local Ambulance |
Up to the maximum limit Subject to deductible and coinsurance Coverage for Illness resulting in Inpatient Hospital Admission or Injury |
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Emergency Evacuation | Up to $1,000,000 lifetime maximum. | Up to the maximum limit. |
Emergency Reunion |
Up to $100,000 maximum limit. Not subject to deductible. Maximum 15 days for reasonable and necessary travel costs and accommodations / $25 meal maximum per day Must be approved in advance by the company. |
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Interfacility Ambulance Transfer |
Company pays 100% Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission |
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Natural Disaster Evacuation |
$25,000 lifetime maximum.
Not subject to the deductible.
Must be approved in advance by the company. |
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Political Evacuation & Repatriation |
$100,000 maximum maximum. Not subject to the deductible. Must be approved in advance by the company. |
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Return of Minor Children |
$100,000 maximum limit. Not subject to the deductible. Must be approved in advance by the company. |
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Remote Transport | No Coverage | $5,000 per period, $20,000 lifetime maximum |
Return of Mortal Remains or Cremation/Burial | Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible. Must be approved in advance by the company. | |
Other Services
NOT Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expense are limited to Usual, Reasonable, and Customary All charges are subject to the Maximum Limit per period of coverage |
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Accidental Death & Dismemberment | $50,000 Principal Sum. Not subject to deductible. | |
Common Carrier Accidental Death |
Up to the maximum limit Maximum per Adult: $100,000 Maximum per Child: $25,000 Maximum per Family: $250,000 Not subject to deductible. |
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Dental Treatment | $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance. | |
Traumatic Dental Injury | Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance. | |
Emergency Eye Examination |
Up to $150 maximum limit for loss or damage to prescription corrective lenses due to an accident Subject to coinsurance $50 deductible per occurrence — plan deductible waived |
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Hospital Indemnity Coverage outside of the United States |
$250 per overnight inpatient confinement for up to 10 days. | |
Identity Theft | Up to $500 limit | |
Incidental Trips |
Up to fourteen consecutive days maximum limit. Only applies if your Country of Residence is not the United States. |
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Lost Luggage | Up to $500 limit / $50 limit per item | |
Natural Disaster | $250 per day and maximum limit of 5 days for accommodations. | |
Non-emergency Medical Evacuation | No Coverage |
Up to $50,000 maximum limit Ages 64 and under Must be approved in advance by the company. |
Personal Liability |
Combined Maximum Limit: $25,000
No coverage for injury to a related third party or damage to related third person’s property. Secondary to any other insurance. |
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Pet Return |
Up to $1,000 limit For a pet cat or dog traveling with the insured person |
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Small Pet Common Air Carrier Accidental Death |
$500 maximum limitt For a pet cat or dog up to 30 pounds travelling with the insured person |
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Terrorism | $50,000 maximum limit | |
Trip Interruption | $10,000 maximum limit. | |
Supplemental Accident | No Coverage | $300 per covered accident |
Please note: The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan certificate for the Patriot America Plus and Patriot Platinum America for the full benefits and limitations of the plan. Limits apply to all benefits.
Optional plan riders are also available to add additional coverage to your plan:
Evacuation Plus: While Patriot provides emergency medical evacuation coverage for life-threatening injuries and illness, the Evacuation Plus Rider provides coverage up to $25,000 for medical evacuations if you experience a sudden, non-life-threatening medical condition that requires hospitalization. IMG will arrange and cover ground and air transportation to the nearest hospital capable of providing treatment.
Note: Must be purchased for a minimum of three months regardless of the minimum number of days being traveled. Premium is charged in whole- month increments. This benefit is included with the purchase of Platinum plans.Enhanced Accidental Death & Dismemberment Rider (AD&D): The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
Note: Available to the primary insured only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.