International Travel Insurance

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
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
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
Eligible Medical Expenses	Up to the maximum limit
Physician Visits / Services	Up to the maximum limit
Urgent Care Clinic	$25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk In Clinic	$15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Hospital Emergency Room	Up to the maximum limit Injury: Not subject to Emergency Room Deductible Illness: Subject to a $250 Deductible for each ER visit for treatment that does not result in direct hospital admission ER deductible applies only for treatment in the United States.
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
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
Extended Care Facility	Up to the maximum limit Upon direct transfer from an acute care facility
Home Nursing Care	Up to the maximum limit Provided by a Home Health Care Agency Upon direct transfer from an acute care facility
Prescriptions	Up to the maximum limit Dispensing limit per prescription — 90 days
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
Emergency Local Ambulance	Up to the maximum limit Subject to deductible and coinsurance Coverage for Illness resulting in Inpatient Hospital Admission or Injury
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.
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
Natural Disaster Evacuation	$25,000 lifetime maximum. Not subject to the deductible. Must be approved in advance by the company.
Political Evacuation & Repatriation	$100,000 maximum maximum. Not subject to the deductible. Must be approved in advance by the company.
Return of Minor Children	$100,000 maximum limit. Not subject to the deductible. Must be approved in advance by the company.
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
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.
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
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.
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 Injury to third person — per injury deductible: $100 Damage to third person’s property — per damage deductible: $100 No coverage for injury to a related third party or damage to related third person’s property. Secondary to any other insurance.
Pet Return	Up to $1,000 limit For a pet cat or dog traveling with the insured person
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
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:

Patriot Travel
Benefits

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Patriot Travel Benefits

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Patriot Travel
Benefits