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:
|
Sudden and Unexpected Recurrence of a Pre-Existing Condition Medical Coverage for U.S Citizens only:
Medical Coverage for non-U.S. citizens only:
|
|
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 |
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 |
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)
For more information about these riders please either contact us or download a copy of the plan brochure which is available from our brochures page.
This is a brief summary of the plan benefits, for a more detailed list please request a copy of the plan certificate.
