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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
Maximum 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
Deductible per certificate period $0 to $2,500 $0 to $25,000 $0 to $2,500 $0 to $25,000
Coinsurance

In-Network: 100%

Out-of-Network: 80% up to $5,000, then 100%

In-Network: 100%

Out-of-Network: 90% up to $5,000, then 100%
Outside of the USA: 100% Outside of the USA: 100%
Extensions Up to 24 continuous months Up to 36 continuous months Up to 24 continuous months Up to 36 continuous months
Acute Onset
of Pre-Existing Conditions Under 70
Up to the maximum limit Varying limits by age up to $1,000,000 Varying limits by age up to maximum limit Varying limits by age up to $1,000,000
$25,000 maximum for medical evacuation
Emergency Medical Evacuation $1,000,000 maximum limit Up to maximum limit $1,000,000 maximum limit Up to maximum limit
Remote Transportation No coverage $5,000 per period, $20,000 lifetime maximum No coverage $5,000 per period, $20,000 lifetime maximum
Supplemental Accident No coverage $300 per covered accident No coverage $300 per covered accident
Incidental emergency in the US No coverage No coverage Up to 2 weeks Up to 2 weeks
Non-Emergency Medical Evacuation Under 65 No coverage $50,000 maximum limit No coverage $50,000 maximum limit

Please view the summary table below for an outline of the plan benefits and optional riders.

Inpatient and Outpatient Services Subject to the Deductible and Coinsurance unless otherwise noted.
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary and limits are per Period of Coverage unless otherwise stated.
Benefits Coverage
Eligible Medical Expenses Up to the maximum limit
Provider Network PPO Network
U.S. Coverage — UnitedHealthcare Network
International Coverage — International Provider Access
Physician Visits / Services Up to the maximum limit
Urgent Care Clinic $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Walk In Clinic $15 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible.
Hospital Emergency Room Inside the US

Up to the maximum limit.

Illness: Subject to a $250 deductible for each ER visit for treatment that does not result in direct inpatient hospital admission.

Injury: Not subject to emergency room deductible.
Hospital Emergency Room Outside the US Up to the maximum limit
Hospital Room & Board Average semi-private room rate up to the maximum limit. Includes nursing service, miscellaneous and Ancillary services.
Intensive Care Up to the maximum limit
Bedside Visit
Hospitalized in an intensive care unit
$1,500 maximum limit. Not subject to deductible.
Outpatient Surgical/Hospital Facility Up to the maximum limit
Laboratory Up to the maximum limit
Radiology/ X-ray Up to the maximum limit
Chemotherapy/Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Surgery Up to the maximum limit
Reconstructive Surgery
Surgery is incidental to and follows surgery that was covered under the plan
Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Durable Medical Equipment Up to the maximum limit Standard basic hospital bed and/or a standard basic wheelchair.
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.
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
Prescriptions Inpatient and Outpatient Up to the maximum limit, may not exceed $250,000
Dispensing limit per prescription: 90 days
Emergency Services NOT subject to the Deductible and Coinsurance unless otherwise noted.
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary and limits are per Period of Coverage unless otherwise stated.
Emergency Local Ambulance

Up to the maximum limit

Injury

Illness: must result in an inpatient hospital admission. Subject to deductible and coinsurance
Emergency Reunion

$100,000 maximum limit.

15 day maximum, $25 per day meal maximum. Must be approved in advance by the company.
Interfacility Ambulance Transfer Up to the maximum limit. Transfer from one licensed health care facility to another licensed health care facility.
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 & Repatriation $100,000 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 or Cremation/Burial

Up to the maximum limit.

Local Burial/Cremation: $5,000 maximum. Must be approved in advance by the company.
Other Services NOT subject to the Deductible and Coinsurance unless otherwise noted.
Eligible Medical Expenses are limited to Usual, Reasonable, and Customary and limits are per Period of Coverage unless otherwise stated.
Accidental Death & Dismemberment (AD&D) $50,000 Principal Sum. Death must occur within 90 days of the accident
Common Carrier Accidental Death $25,000 per injured child, $100,000 per insured adult, $250,000 maximum limit per family.
Dental Treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance.
Traumatic Dental Injury Up to the maximum limit.
Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.
Emergency Eye Examination $150 maximum limit. $50 deductible per occurrence. (plan deductible is waived) Subject to coinsurance.
Loss or damage to prescription corrective lenses due to an accident.
Hospital Indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Outside Insured Person’s Country of Residence and the United States.
Identity Theft $500 maximum limit.
Lost Luggage $50 per item, $500 maximum limit.
Natural Disaster $250 per day and maximum limit of 5 days for accommodations.
Personal Liability Secondary to any other insurance.

$25,000 combined maximum limit.

Injury to a third person: $100 per injury deductible.

Damage to a third person’s property: $100 per damage deductible. 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 $500 maximum limit. For a pet cat or dog up to 30 pounds traveling with the insured person.
Terrorism $50,000 maximum limit.
Trip Interruption $10,000 maximum limit.
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.

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

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