International Travel Insurance | Patriot Benefits

The Patriot Travel Insurance plan provides a range of benefits to suit individuals who need coverage outside of their country of residence. The plan comes in two levels — Standard and Platinum — and allows you to purchase coverage the includes the United States or that will cover you internationally, outside of the United States. The Standard Level offers policy maximum options that start at $50,000, and move up to $1,000,000, and the Platinum level offers options that start at $2,000,000, and move up to $8,000,000, 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, 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 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
Coinsurance — Outside the USA	100% of eligible expenses, after the deductible is met, up to the policy maximum
Benefit Period	Patriot America — No Coverage Patriot International — Three Months	Patriot America Platinum — No Coverage Patriot International Platinum — Six Months
Pre-Certification	Fifty percent (50%) reduction of eligible medical expenses if pre-certification provisions are not met.
Pre-Existing Condition Acute Onset	Medical Coverage applies only if policy excludes the US (Patriot International): US citizens up to age 64 with primary health plan: Up to the 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 the maximum limit or $1,000,000 — whichever is lower	US citizens up to age 64 with primary health plan: $1,000,000 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: $1,000,000 maximum limit
Pre-existing Condition — Emergency Medical Evacuation Acute Onset	Medical Coverage applies only if policy excludes the US (Patriot International): Up to age 69: $25,000 maximum limit Ages 70 or older: No coverage	Up to age 69: $25,000 maximum limit Ages 70 or older: No coverage
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 co-pay: $25 Not subject to deductible. Walk-in Clinic co-pay: $15 Not subject to deductible. Co-payment waived if $0 deductible elected
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.
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	Up to a $1,500 maximum limit when hospitalized in an Intensive Care Unit Not subject to deductible.
Surgery	Up to the maximum limit
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
Interfacility Ambulance Transfer	Up to the maximum limit Transfer must be a result of Inpatient Hospital admission
Natural Disaster Evacuation	Up to a $25,000 lifetime maximum
Political Evacuation & Repatriation	Up to a $100,000 lifetime maximum
Return of Minor Children	Up to $100,000 maximum limit
Remote Transport	No Coverage	Up to $20,000 maximum limit / $5,000 limit per occurrence
Return of Mortal Remains	Up to the maximum limit
Local Burial / Cremation	Up to a $5,000 maximum limit
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
Common Carrier Accidental Death	Up to the maximum limit Maximum per Adult: $100,000 Maximum per Child: $25,000 Maximum per Family: $250,000
Dental Treatment	Up to $300 maximum Unexpected pain or treatment due to an accident Subject to deductible and coinsurance
Traumatic Dental Injury	Up to the maximum limit 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	Up to a $250 limit per day./ 5 day maximum
Non-emergency Medical Evacuation	No Coverage	Up to $50,000 maximum limit Ages 64 and under
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
Pet Return	Up to $1,000 limit For a pet cat or dog traveling with the insured person
Small Pet Common Carrier Accidental Death	Up to $500 limit For a pet cat or dog up to 30 pounds travelling with the insured person
Terrorism	Up to $50,000 maximum limit
Trip Interruption	Up to $10,000 maximum limit
Supplemental Accident Benefit	No Coverage	Up to $300 maximum per covered accident
Incidental Services Patriot International Standard and Premium Only 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
Combined Maximum Limit: $50,000
Emergency Treatment While Traveling Through the United States	Up to the maximum limit
Emergency Medical Evacuation to the United States and Associated Treatment	Up to the maximum limit
Emergency Treatment During Incidental Trip to Country of Residence	Up to maximum limit 14 day maximum

Please note: The benefit table listed above is a consolidated version of the full plan benefits. Please view the plan certificate for the Patriot Standard America, Patriot Standard International, Patriot Platinum America, and Patriot Platinum International 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:

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
Evacuation Plus: While Patriot provides emergency medical evacuation coverage for life-threatening injuries and illness, the Evacuation Plus Rider provides coverage up to $25,000 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.
Note: 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.
Enhanced Accidental Death & Dismemberment Rider (AD&D): The AD&D rider will pay you or your beneficiaries up to $400,000 if your death or dismemberment is the direct result of an accident.
Note: Available to the primary insured only. Available with a minimum purchase of three months of medical and AD&D rider coverage. Premium is charged in whole-month increments.