Primary DestinationPrimary Destination

Select the country where you need coverage. If you will be traveling to multiple countries, choose your primary destination. Coverage is worldwide outside your home country, and not limited to your host country.

Date of Birth

Start Date

End Date

Patriot Travel
Benefits

The Patriot Travel Series provides a range of benefits for individuals traveling outside of their home country. Please see the comprehensive overview depending on your destination.

	America Plus	America Platinum	International Lite	International Platinum
	Worldwide, including the USA		Worldwide, excluding the USA
Period of Coverage	5 days up to 12 months	5 days up to 12 months	5 days up to 12 months	5 days up to 12 months
Extensions	Up to 24 continuous months	Up to 36 continuous months	Up 24 continuous months	Up to 36 continuous months
Period of Coverage Limit	$50,000 to $1,000,000	$2,000,000 to $8,000,000	$50,000 to $1,000,000	$2,000,000 to $8,000,000
Area of Coverage	Worldwide, excluding Country of Residence		Worldwide, excluding Country of Residence and the United States
Deductible for Eligible Medical Expenses
Deductible Per Certificate Period	$0, $100, $250, $500, $1,000 or $2,500	$0, $100, $250, $500, $1,000 or $2,500, $5,000, $10,000 or $25,000	$0, $100, $250, $500, $1,000 or $2,500	$0, $100, $250, $500, $1,000 or $2,500, $5,000, $10,000 or $25,000
Coinsurance for Eligible Medical Expenses
Coinsurance In addition to deductible	USA In-Network: Plan pays 100% USA Out-of-Network: Plan pays 80%, $1,000 out of pocket max International: Plan pays 100%	USA In-Network: Plan pays 100% USA Out-of-Network: Plan pays 90%, $500 out of pocket max International: Plan pays 100%	Plan pays 100%	Plan pays 100%
Pre-Certification Requirements
Pre-certification	Interfacility Ambulance Transfer: No coverage if Pre-certification requirements are not met. Emergency Medical Evacuation: No coverage if not approved by the Company. Refer to the EMERGENCY MEDICAL EVACUATION provision for complete requirements and coverage. All other Treatments & supplies: fifty percent (50%) reduction of Eligible Medical Expenses if Pre-certification requirements are not met. Deductible is taken after reduction. Coinsurance is applied to remainder of the reduced amount. Refer to PRE-CERTIFICATION REQUIREMENTS provision in the certificate of insurance for a complete list of services that require Pre-certification.
Pre-Existing Conditions
Pre-Existing Conditions	Charges resulting directly or indirectly from or relating to any Pre-existing Condition are excluded from coverage under this insurance.
Acute Onset of Pre-existing Conditions Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable and Customary Limits per Period of Coverage unless stated as Maximum Limit
Acute Onset of Pre-existing Conditions Insured Person must be under 70 years of age	Up to the Period of Coverage Limit	United States citizens: Age 64 and under without a Primary Health Plan: Maximum Limit: $20,000 Age 64 and under with a Primary Health Plan: Maximum Limit: $1,000,000 Age 65 through age 69: Maximum Limit: $2,500 Non-United States citizens: Age 69 and under: Maximum Limit: $1,000,000	United States citizens: Age 64 and under without a Primary Health Plan: Maximum Limit: $20,000 Age 64 and under with a Primary Health Plan: Up to the Period of Coverage limit Age 65 through age 69: Maximum Limit: $2,500 Non-United States citizens: Age 69 and under: Maximum Limit: Up to Period of Coverage limit or $1,000,000 (whichever is lower)	United States citizens: Age 64 and under without a Primary Health Plan: Maximum Limit: $20,000 Age 64 and under with a Primary Health Plan: Maximum Limit: $1,000,000 Age 65 through age 69: Maximum Limit: $2,500 Non-United States citizens: Age 69 and under: Maximum Limit: $1,000,000
Emergency Medical Evacuation	Maximum Limit: $25,000	Maximum Limit: $25,000	Maximum Limit: $25,000	Maximum Limit: $25,000
Emergency Medical Evacuation	Arises or results directly from a covered Acute Onset of a Pre-existing Condition. Insured Person must be under 70 years of age
Provider Network
Provider Network	PPO Network U.S. Coverage — UnitedHealthcare Network International Coverage — International Provider Access
Inpatient or Outpatient Services Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable and Customary Limits per Period of Coverage unless stated as Maximum Limit
Eligible Medical Expenses	Up to the Period of Coverage Limit
Physician Visits / Services	Up to the Period of Coverage Limit
Telemedicine Services	Reimbursable Telehealth visits can be submitted for reimbursement	Included Access to Teladoc is included for no additional fee. Not subject to Deductible or Coinsurance.	Reimbursable Telehealth visits can be submitted for reimbursement	Included Access to CareClix is included for no additional fee. Not subject to Deductible or Coinsurance.
^**Coverage for a Teladoc and CareClix Consultation is not a determination that any specific condition discussed, raised or identified during such consultation is covered under this insurance. The Company reserves the right to decline future claims relating to or arising from any condition discussed, raised or identified during a Teladoc or CareClix Consultation where the Illness or Injury is directly or indirectly related to any Pre-existing Condition or is otherwise excluded under this Certificate of Insurance
Urgent Care Clinic	Copayment: $25 — Not subject to Deductible. Copayment is not applicable if the Declaration states $0 Deductible
Walk-in Clinic	Copayment: $15 — Not subject to Deductible. Copayment is not applicable if the Declaration states $0 Deductible
Hospital Emergency Room	Injury: Not subject to Emergency Room Deductible Illness in the USA: Subject to a $250 Deductible for each Emergency Room visit for Treatment that does not result in a direct Hospital admission Illness outside USA: Not subject to Emergency Room Deductible
Hospitalization / Room & Board	Up to the Period of Coverage Limit Average semi-private room rate Includes nursing, miscellaneous and Ancillary Services
Intensive Care	Up to the Period of Coverage Limit
Bedside Visit	$1,500 Maximum Limit Not subject to Deductible. Hospitalized in an Intensive Care Unit
Outpatient Surgical/ Hospital Facility	Up to the Period of Coverage Limit
Laboratory	Up to the Period of Coverage Limit
Radiology/XRay	Up to the Period of Coverage Limit
Chemotherapy/ Radiation Therapy	Up to the Period of Coverage Limit
Pre-admission Testing	Up to the Period of Coverage Limit
Surgery	Up to the Period of Coverage Limit
Reconstructive Surgery	Up to the Period of Coverage Limit Surgery is incidental to or follows Surgery that was covered under the plan
Assistant Surgeon	20% of the primary surgeon’s eligible fee
Anesthesia	Up to the Period of Coverage Limit
Durable Medical Equipment	Up to the Period of Coverage Limit Standard basic hospital bed and/or a standard basic wheelchair.
Chiropractic Care	Up to the Period of Coverage Limit Medical order or Treatment plan required
Physical Therapy	Up to the Period of Coverage Limit Medical order or Treatment plan required
Extended Care Facility	Up to the Period of Coverage Limit Upon direct transfer from acute care Hospital
Home Nursing Care	Up to the Period of Coverage Limit Provided by a Home Health Care Agency Upon direct transfer from acute care Hospital
COVID-19 / SARS-CoV-2	COVID-19/SARS-CoV-2 shall be considered by the Company the same as any other Illness or Injury, subject to the Terms and Conditions of this insurance
Prescription Drugs and Medication Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable and Customary Limits per Period of Coverage unless stated as Maximum Limit
Prescription Drugs and Medication Obtained through Retail Pharmacy, Inpatient and Outpatient Surgery, Emergency Room and Outpatient Office Visits	In the USA: 80% International: 100%	In the USA: 90% International: 100%	100%	100%
	The following Prescription Drugs and Medication Maximum Limit accumulates toward the plan Maximum Limit per Period of Coverage. If the Certificate of Insurance Maximum Limit is $10,000, $50,000 or $100,000, the Prescription Drugs and Medications limit is up to the plan Maximum Limit. If the Certificate of Insurance Maximum Limit is $500,000 or $1,000,000, the Prescription Drugs and Medications Maximum Limit is up to $250,000 per Period of Coverage. Dispensing maximum for Retail Pharmacy: 90 days per prescription
Emergency Services NOT Subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable and Customary Limits per Period of Coverage unless stated as Maximum Limit
Emergency Local Ambulance	Up to the Period of Coverage Limit Injury Illness: must result in an inpatient hospital admission Subject to Deductible and Coinsurance
Emergency Medical Evacuation	$1,000,000	Up to Period of Coverage limit	$1,000,000	Up to Period of Coverage limit
Emergency Medical Evacuation	Must be approved in advance and coordinated by the Company
Emergency Reunion	$100,000 Maximum Limit Maximum Days: 15 Meal Maximum per day: $25 Reasonable and necessary travel costs and accommodations Must be approved in advance by the Company
Interfacility Ambulance Transfer	Up to the Period of Coverage Limit Transfer must be a result of an Inpatient Hospital admission
Natural Disaster Evacuation	$25,000 Maximum Limit Must be approved in advance by the Company
Political Evacuation and Repatriation	$100,000 Maximum Limit Must be approved in advance by the Company
Remote Transport	$5,000 limit, $20,000 Maximum Limit Must be approved in advance by the Company
Return of Minor Children	$100,000 Maximum Limit Must be approved in advance by the Company
Return of Mortal Remains	Up to the Period of Coverage Limit Local Burial/ Cremation Maximum Limit: $5,000 Return of Insured Person’s Mortal Remains to Country of Residence Must be approved in advance by the Company
Other Services NOT subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable and Customary Limits per Period of Coverage unless stated as Maximum Limit
Accidental Death & Dismemberment	$50,000 Maximum Limit Death must occur within 90 days of the Accident Accidental Death: 100% of Principal Sum Dismemberment: Sight of 1 eye — 50% Principal Sum 1 hand or 1 foot — 50% Principal Sum 1 hand and loss of sight of 1 eye — 100% Principal Sum 1 foot and loss of sight of 1 eye — 100% Principal Sum 1 hand and 1 foot — 100% Principal Sum Both hands or both feet — 100% Principal Sum Sight of both eyes — 100% Principal Sum
Common Carrier Accidental Death	$100,000 Maximum Limit per Adult $25,000 Maximum Limit per Child $250,000 Maximum Limit per Family
Dental Treatment Unexpected pain or Treatment due to an Accident	In the USA: 80% International: 100%	In the USA: 90% International: 100%	100%	100%
	$300 Maximum Limit Subject to Deductible and Coinsurance
Traumatic Dental Injury	Up to the Period of Coverage Limit Subject to Deductible and Coinsurance Treatment at a Hospital due to an Accident Additional Treatment for the same Injury rendered by a Dental Provider will be paid at 100%
Emergency Eye Exam	In the USA: 80% International: 100%	In the USA: 90% International: 100%	100%	100%
Emergency Eye Exam	$150 Maximum Limit, $50 deductible per occurrence Subject to Coinsurance (plan Deductible waived) Loss or damage to prescription corrective lenses due to Accident
Hospital Indemnity	$250 overnight limit Maximum Nights: 10 Outside Insured Person’s Country of Residence and the United States Inpatient Hospitalization only
Identity Theft	$500 Maximum Limit
Incidental Trip	14 days Maximum Insured Person’s Country of Residence is not the United States		No Coverage
Lost Luggage	$50 per item, $500 maximum limit
Natural Disaster	$250 per day and maximum limit of 5 days for accommodations
Non-Emergency Medical Evacuation	No Coverage	$50,000 Max Limit Insured Persons under age 65. Approved in Advance by the Company	No Coverage	$50,000 Max Limit Insured Persons under age 65. Approved in Advance by the Company
Personal Liability Secondary to any other insurance	Combined 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
Pet Return	$1,000 Maximum Limit For a pet cat or dog traveling with the insured Person
Small Pet Common Air Carrier Accidental Death Benefit	$500 Maximum Limit For a pet cat or dog up to 30 pounds traveling with the Insured Person
Supplemental Accident Benefit	$300 Maximum Limit
Terrorism	$50,000 Maximum Limit
Return Travel	$10,000 Maximum Limit
Travel Intelligence	Not Included	Included	Not Included	Included
Incidental Services Combined Maximum Limit: $50,000 NOT subject to Deductible and Coinsurance unless otherwise noted Eligible Medical Expenses are limited to Usual, Reasonable and Customary Limits per Period of Coverage unless stated as Maximum Limit
Emergency Treatment While Traveling Through the United States	No Coverage		14 Max Consecutive Days (in addition to the combined Maximum Limit) Must be Pre-certified and coordinated by the Company 100%
Emergency Medical Evacuation to the United States and Associated Treatment	No Coverage		14 Max Consecutive Days (in addition to the combined Maximum Limit) Must be Pre-certified and coordinated by the Company 100%
Emergency Treatment During Incidental Trip to Country of Residence	No Coverage		14 Max Consecutive Days (in addition to the combined Maximum Limit) Must be Pre-certified and coordinated by the Company 100%

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 plans ( Plus | Platinum) and Patriot International plans ( Lite | Platinum) for the full benefits and limitations of the plan. Limits apply to all benefits.

Optional Plan Riders

Available to add additional coverage to your plan.

Adventure Sports: If you’re a thrill-seeking traveler who enjoys life’s more adventurous activities, you may want to consider adding supplemental coverage to your plan. The Adventure Sports Rider provides coverage for injuries sustained during certain extreme sports that would otherwise be excluded from your travel insurance policy.
Lifetime Maximum
- Age 0–49: $50,000
- Age 50–59: $30,000
- Age 60–64: $15,000

You can view more about the pricing for the optional riders. Please contact us for more information about the optional plan riders.

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Patriot Travel Benefits

Optional Plan Riders

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Patriot Travel
Benefits