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.
| Worldwide, including the USA | Worldwide, excluding the USA | |||
| America Plus | America Platinum | International | International Platinum | |
| 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 |
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| 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. | |||
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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 |
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| 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 |
| 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 |
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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 |
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| Eligible Medical Expenses | Up to the Period of Coverage Limit | |||
| Physician Visits / Services | Up to the Period of Coverage Limit | |||
| 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 |
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| 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 |
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| 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 | |||
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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 |
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| 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: 80% International: 100% |
100% | 100% |
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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 |
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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 |
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| Emergency Local Ambulance |
Up to the Period of Coverage Limit Injury Illness: must result in an inpatient hospital admission Subject to Deductible and Coinsurance |
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| Emergency Medical Evacuation | $1,000,000 | Up to Period of Coverage limit | $1,000,000 | Up to Period of Coverage limit |
| 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 |
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| 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 | No Coverage | $5,000 limit, $20,000 Maximum Limit Approved in advance by the Company | No Coverage | $5,000 limit, $20,000 Maximum Limit 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 |
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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 |
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| Accidental Death & Dismemberment |
$50,000 Maximum Limit Accidental Death: 100% of Principal Sum Dismemberment:
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| Common Carrier Accidental Death |
$100,000 Maximum Limit per Adult $25,000 Maximum Limit per Child $250,000 Maximum Limit per Family |
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| 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% |
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| Emergency Eye Exam |
In the USA: 80% International: 100% |
In the USA: 90% International: 100% |
100% | 100% |
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$250 Maximum Limit, $50 deductible per occurrence
Subject to Coinsurance (plan Deductible waived) Loss or damage to prescription corrective lenses due to Accident |
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| Hospital Indemnity |
$250 overnight limit Maximum Nights: 10 Outside Insured Person’s Country of Residence and the United States Inpatient Hospitalization only |
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| 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 |
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| 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 | No Coverage | $300 Max Limit | No Coverage | $300 Max Limit |
| Terrorism | $50,000 Maximum Limit | |||
| Trip Interruption | $10,000 Maximum Limit | |||
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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 |
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| 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 ( International | 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.
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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
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Evacuation Plus: While Patriot provides emergency medical evacuation coverage for life-threatening injuries and illness, the Evacuation Plus Rider provides coverage 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.
Non Life-threatening Medical Evacuation: $25,000 maximum
Note: Available for insureds under age 65. 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.
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