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.
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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. |
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|---|---|
| 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. |
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| 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.
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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. It also offers coverage for evacuations as a result of a natural disaster. 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 age 65 and under. 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.
Natural Disaster Evacuation: $5,000 maximum