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 64 with primary health plan: up to maximum limit US citizens up to age 64 without primary health plan: $20,000 maximum limit US citizens ages 65-69: $2,500 maximum limit Non-US citizens up to age 69: up to maximum limit or $500,000 – whichever is lower	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 Ages 65 or older: No coverage	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

To view a more detailed summary of benefits, please download a copy of the plan brochure which is available from our brochures page.

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)

Please contact us for more information about these optional plan riders.

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

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