Patriot Travel Medical Insurance®
Patriot Travel Medical Insurance® provides coverage for U.S. citizens traveling outside the U.S. for a minimum of 10 days up to a maximum of two years. It also provides coverage for non-U.S. citizens traveling outside their home country for a minimum of 10 days up to a maximum of two years.
| Policy Maximum |
Patriot Travel Medical Insurance® provides a choice of Policy Maximum's of $50,000, $100,000, $500,000, $1,000,000 for coverage for non US citizens and a choice of $50,000, $100,000, $500,000, $1,000,000, $2,000,000 for coverage for US citizens |
| Deductible |
Your choice of US$0, $100, $250, $500, $1,000 or $2,500 |
| Co-insurance |
- Outside the U.S. and Canada:
For the Certificate Period, Patriot Travel Medical Insurance® will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit.
- In USA:
In the PPO network, Patriot Travel Medical Insurance® pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Outside the PPO network, the plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum
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| Coverage Options |
Patriot International® provides coverage for U.S. citizens traveling outside the U.S while Patriot America® provides coverage for non-U.S. citizens traveling outside their home country. It also provides optional coverage for Leisure Sports, Extreme Sports and Enhanced AD&D and the Patriot Return. |
| Plan Life |
If the plan is purchased for a minimum of three months, coverage may be renewed (without break in coverage) for a total of up to two years |
| Underwriter |
Patriot Travel Medical Insurance® is underwritten by Sirius International Insurance Corporation |
| Claims Administrator |
Patriot Travel Medical Insurance® is administered by International Medical Group, Inc. |
Eligibility:
The following conditions apply to all persons applying for and/or enrolling in Patriot Travel Medical Insurance:
- Patriot Travel Medical Insurance is travel insurance for U.S. citizens traveling outside the United States and for non-U.S. citizens traveling outside their home country.
- For those over age 65 and visiting the U.S., your initial Period of Coverage must begin within 30 days of arrival in the U.S. This requirement will be waived with proof of previous valid international travel insurance. Prior U.S. domestic health care coverage does not meet this eligibility requirement. Please provide the name of your insurance carrier on the Application Form. If you are not in the U.S. at the time of application, please indicate your expected date of arrival on your Application Form.
Coverage becomes effective on the latest of:
- the date IMG receives your completed Application Form and the appropriate premium;
- the date you depart from your home country; or
- the date requested on your Application Form.
Coverage will end on the earliest of:
- the end of the period for which premium has been paid;
- the date requested on your Application Form; or
- the date you return to your home country
Plan Benefits:
Patriot Travel Medical Insurance® offers a broad range of benefits including:
- Hospital Room and Board
- Intensive Care
- Medical Expenses
- Outpatient Medical
- Local Ambulance
- Emergency Room Accident
- Emergency Illness- with in-patient admission
- Emergency Illness- without in-patient admission
- Dental Injury due to accident
- Sudden dental pain Emergency Evacuation
- Emergency Reunion
- Return of Mortal Remains
- Returning Minor Children
- Political Evacuation
Remarks:
- PPO Network: With the Patriot® plan, you may seek treatment with the hospital or doctor of your choice. When seeking treatment in the U.S., you may reduce your out-of-pocket costs by using the independent First Health Network PPO
- Renewal: Renewals are available in whole month or daily increments and may be completed online or by using a paper application, however, renewals of less than one month are available only online. For each renewal of less than one month completed online, you will be charged an additional US$5 processing fee.
- Cancellation: In order to be considered for a full refund, your request for cancellation must be received prior to your effective date. If you do not have any claims filed, you may cancel your plan after your effective date, however you will be charged US$25 cancellation fee and only full month premiums will be considered for refunds. If you have filed claims, your premium is non refundable.
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