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Patriot Platinum Travel Medical Insurance
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Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside
the U.s., while Patriot Platinum AmericaSM provides coverage for non-U.s. citizens traveling outside their home country. Both plans are available for a minimum of 10 days up to a maximum of three years.
Patriot Platinum SM Insurance Benefits
Patriot Platinum International
Patriot Platinum International provides coverage for U.S. citizens traveling abroad for a minimum of five days up to a maximum of three years. 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 three years.
Patriot Platinum America Insurance
Patriot Platinum America provides coverage for non-U.S. citizens traveling outside their home country for a minimum of five days up to a maximum of three years. 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 three years.
Eligibility
Patriot Platinum Insurance is available for U.S. citizens traveling outside the US and for non - U.S. citizen traveling outside their home country
| Deductible |
$0 to $25,000 per each injury or sickness |
| Benefit Period |
12 Months |
| Trip Interruption |
US$10,000 |
| Common Carrier Accidental Death |
US$100,000 per adult; $25,000 per child, maximum of US$250,000 per family |
| Accidental Death & Dismemberment |
US$50,000 principal sum |
| Terrorism Coverage |
Up to Policy Maximum |
| Identity Theft Assistance |
Up to US$500 per Period of Coverage |
Emergency Evacuation
Each Patriot Platinum plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the home country or the country where the evacuation occurred, up to the Policy Limit.
Emergency Reunion
Each Patriot Platinum plan also provides emergency reunion coverage, up to $100,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the home country to be reunited with the insured.
Return of Mortal Remains
If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the home country will be covered up to a maximum of $100,000.
Returning Minor Children
If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to $50,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren).
Patriot Platinum SM Insurance - Exclusions
No benefits will be paid for loss or expense caused by, contributed to, or resulting from:
- A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, disorder or ailment that, with reasonable medical certainty, existed at the time of application or at any time during the three years prior to the effective date of the insurance, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed prior to the effective date, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom
- Treatment or surgeries which are elective, investigational, experimental or for research purposes.
- War, military action, terrorism, political insurrection, protest, or any act thereof.
- Immunizations and routine physical exams.
- Treatment of Temporomandibular Joint or dental treatment, except as expressly provided for in the certificate of insurance.
- Venereal disease, AIDS virus, AIDS-related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured who was HIV+ at time of enrollment into this insurance.
- Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
- Injury sustained while participating in amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting.
- Vision or ear tests and the provision of visual or hearing aids.
- Vocational, recreational, speech or music therapy.
- Treatment while confined primarily to receive custodial care, educational or rehabilitative care, or nursing services.
- Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the insured, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
- Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
- Injury and/or illness resulting or arising from being under the influence of alcohol or drugs; and injury or illness resulting from operating any type of vehicle after consuming any alcohol or drugs.
- Willful self-inflicted injury or illness.
- Treatment required as a result of or arising from complications from a treatment or condition not covered under the certificate.
- Any services or supplies performed or provided by a relative of the Insured or provided at no cost to Insured.
- Treatment for mental and nervous disorders.
- Organ or tissue transplants or related services.
- Illness or injury where the trip to the host country is undertaken for treatment or advice for such Illness or injury, except as expressly provided for in the certificate of insurance.
- Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
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Patriot Platinum Insurance is underwritten by Sirius International Insurance Corporation (publ), Sirius International is a White Mountains Insurance Re company.
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Patriot Platinum Insurance online quotes and purchase can be done at Patriot Platinum Insurance Online Purchase.
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Patriot Platinum Insurance brochure and paper application can be downloaded at the Patriot Platinum Insurance Brochure.
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Patriot Platinum Insurance and other visitor insurance policy FAQs can be viewed at Insurance - FAQ.
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Patriot Platinum Insurance and other visitor Insurance Policy Glossary can be viewed at Insurance - Glossary.
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Voluntary Feedback from our customers can be viewed at Insurance Customer Feedback.
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Patriot Platinum Insurance Guide gives you some background information on how medical insurance works. Patriot Platinum Insurance Guide also provides information on the different factors you should consider while purchasing insurance.
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