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International Travel Insurance | Patriot Benefits

The Patriot Travel Insurance plan provides a range of benefits to suit all travelers and their needs. This plan offers policy maximum options that start at $50,000 and move up to $2,000,000 on the Standard Level, and options that start at $1,000,000 and move up to $8,000,000 on the Platinum level and include flexible deductible options to suit any need. Please view the summary table below for an outline of the plan benefits and optional riders.

Benefits Patriot – Standard Patriot – Platinum
Policy Maximum $50,000, $100,000, $500,000, $1,000,000 or $2,000,000 $1,000,000, $5,000,000, $8,000,000
Deductible
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
* Family deductible – maximum of three deductibles per family
Renewal of Coverage If purchased for a minimum of 5 days, coverage may be renewed for up to 2 years in total If purchased for a minimum of 5 days, coverage may be renewed for up to 3 years in total
Provider Network PPO Network
Coinsurance
— Inside the USA
80% (out of network) and 90% (in network) Coverage up to $5,000
100% after up to Policy Maximum
Out of Network – 90% coverage up to $5,000, then 100% up to the policy maximum
In Network – 100% Coverage
Coinsurance
— Outside the USA
100% Coverage
Benefit Period Six Months Twelve Months
Pre-Certification Fifty percent (50%) reduction of eligible medical expenses if pre-certification provisions are not met.
Medical Benefits
Subject to Deductible and Coinsurance unless otherwise noted
Charges are subject to the Usual, Reasonable, and Customary
All charges are subject to the Maximum Limit per period of coverage
Hospital Room & Board Up to the Maximum Limit for average semi-private room rate, including nursing service
Intensive Care Up to Maximum Limit
Medical Expenses Up to Maximum Limit
Outpatient Medical Up to Maximum Limit
Local Ambulance Up to Maximum Limit
Prescription Medication Up to Maximum Limit
Emergency Room Accident / Injury Up to Maximum Limit
Emergency Room Illness
– without in-patient admission
Up to Maximum Limit with additional $250 deductible
Surgery Up to Maximum Limit
Physicians Visits Up to Maximum Limit
Diagnostic Procedures Up to Maximum Limit
Home Health Care Up to Maximum Limit
Durable Medical Equipment Up to Maximum Limit
Emergency Local Ambulance Up to Maximum Limit
Dental

Accident – Up to Maximum Limit

Dental Emergency – $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth.

Accident – Up to Maximum Limit

Dental Emergency – $250 for the necessary treatment of sudden, unexpected pain to sound natural teeth.
Hospital Indemnity $100 per night overnight inpatient confinement for up to 10 days. Not subject to deductible. $250 per overnight inpatient confinement for up to 10 days. Not subject to deductible.
International Emergency Care
Emergency Evacuation Up to $500,000 lifetime maximum.
Not subject to deductible.
Up to the maximum limit.
Not subject to deductible.
Emergency Reunion Up to $50,000 maximum limit.
Not subject to deductible.
Up to $100,000 maximum limit.
Return of Mortal Remains to Home Country Up to $50,000 maximum limit.
Not subject to deductible.
Up to $100,000 maximum limit.
Not subject to deductible.
Cremation/Burial at Place of Death Up to $5,000 maximum limit.
Not subject to deductible.
Up to $5,000 maximum limit.
Not subject to deductible.
Return of Minor Children Up to $50,000 maximum limit.
Not subject to deductible.
Up to $100,000 maximum limit.
Political Evacuation Up to $10,000 maximum limit.
Not subject to deductible.
Up to $100,000 maximum limit.
Natural Disaster $100 per day and a maximum limit of five days for accommodations.
Not subject to deductible.
$250 per day and a maximum limit of five days for accommodations.
Not subject to deductible.
Remote Transportation No Coverage $5,000 per period of coverage

$20,000 lifetime maximum
Identity Theft Up to $500 maximum limit.
Not subject to deductible.
Terrorism Coverage Up to $50,000 Lifetime Maximum.
Not subject to deductible.
Up to Maximum Limit.
Additional Benefits
Sports and Activities Coverage Up to the Maximum Limit for basic non-contact and non-organized leisure and recreational sports.
Pre-Existing Condition
Acute Onset/Sudden Recurrence

Acute Onset of a Pre-Existing Condition

Medical Coverage applies only if policy excludes the US:

  • US citizens up to age 65 with primary health plan: up to maximum limit
  • US citizens up to age 65 without primary health plan: $20,000 maximum limit
  • Non-US citizens up to age 70: up to maximum limit or $500,000 – whichever is lower
  • Emergency Medical Evacuation if policy excludes the US: $25,000 maximum limit (up to age 65)

Sudden and Unexpected Recurrence of a Pre-Existing Condition

Medical Coverage for U.S Citizens only:

  • Up to age 65 with primary health plan: URC up to plan maximum
  • Up to age 65 without primary health plan: $20,000 lifetime maximum
  • Age 65+: $2,500 lifetime maximum

Medical Coverage for non-U.S. citizens only:

  • Up to age 65: $50,000 lifetime maximum
  • Age 65+: $2,500 lifetime maximum
Pre-existing Condition - Emergency Medical Evacuation
Acute Onset/ Sudden Recurrence

Acute Onset of a Pre-Existing Condition

Medical Coverage applies only if policy excludes the US:

Up to age 65: $25,000 maximum limit

Sudden and Unexpected Recurrence of a Pre-Existing Condition

Up to $25,000 maximum limit
Incidental Trips to Home Country Coverage Up to fourteen consecutive days maximum limit
End of Trip Home Country Coverage One month end of trip coverage for every six months of travel coverage purchased, up to a maximum of two months (Individual plan only). One month end of trip coverage for every four months of travel coverage purchased, up to a maximum of three months (individual plan only).
Trip Interruption Up to $5,000 maximum limit.
Not subject to deductible.
Up to $10,000 maximum limit.
Not subject to deductible.
Common Carrier Accidental Death $50,000 per insured person to Beneficiary, Maximum limit per lifetime of $250,000 per family.
Not subject to deductible.
$100,000 per insured adult; $25,000 per child; maximum of $250,000 per family
Not subject to deductible.
Small Pet Common Carrier Accidental Death No Coverage Up to $500
Accidental Death and Dismemberment $25,000 principal sum.
Not subject to deductible.
$50,000 principal sum.
Not subject to deductible.
Lost Checked Luggage Up to $50 per item, maximum of $250 per Period of Coverage.
Not subject to deductible.
Up to $500.
Not subject to deductible.
Felonious Assault No Coverage Up to $10,000

Optional plan riders are also available to cover:

  • Adventure Sports
  • Citizenship Return
  • Enhanced AD&D
  • Evacuation Plus
  • Trip Cancellation (Patriot Trip)
  • Chaperone/Faculty Leader Replacement (Platinum Only)

For more information about these riders please either contact us or download a copy of the plan brochure which is available from our brochures page.

This is a brief summary of the plan benefits, for a more detailed list please request a copy of the plan certificate.


patriot travel medical insurance