International Medical Group

Patriot America Insurance

  • Best Suitable for: Tourists and parents visiting the USA
  • Eligibility:
    • Non US citizens visiting the United States
    • International travellers requiring continuing coverage
    • For visitors over 65, initial period of coverage must be within 30 days of arrival in the United States, unless proof of previous valid international coverage is provided
    • For visitors under 65 years of age and visiting USA, their initial period of coverage must be within 6 months of arrival in the United States.
    • Age: 14 days to 80+ years
  • Coverage: 5 days to 2 years
  • Patriot America Plus offers pre-existing conditions coverage. Buy Patriot America Plus insurance online
  • UNDERWRITERS : Sirius International Insurance Corporation, a White Mountains Insurance Group Company
  • ADMINISTRATOR : International Medical Group

Plans Highlights

POLICY MAXIMUM

Maximum medical coverage options are
$50,000, $100,000, $500,000, $1,000,000

DEDUCTIBLE
Individual deductible options are

$0, $100, $250, $500, $1000, $2500 per each injury or sickness

COINSURANCE
For treatment received outside the US: Company pays 100%

For treatment received within the US:
In the PPO Network: The plan pays 100%.
Outside the PPO Network: The plan pays 80% of eligible expenses up to $5,000, then 100% up to the Maximum Limit.

Patriot America Plus - Acute Onset of Pre-Existing Conditions coverage

  • Under 70 years of age
    Up to period of coverage maximum limit.
  • Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
    Under 70 years of age: $25,000 maximum limit.
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Benefits Details

Benefits Coverage
Hospital room and board Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit
Pre-Certification 50% reduction of eligible medical expenses if pre-certification provisions are not met
Intensive care Up to the Maximum Limit.
Surgery Up to the Maximum Limit.
Physician visits Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)
Emergency local ambulance Up to the Maximum Limit.
Emergency room Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Emergency dental treatment $300 maximum limit due to accident or unexpected pain to sound natural teeth.
Traumatic Dental Injury Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%.
Emergency medical evacuation Up to the maximum limit. Not subject to deductible
Emergency reunion $100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burial Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible
Hospital Emergency Room:International Up to the maximum limit
Hospital Emergency Room:United States Injury not subjected to emergerncy room deductible.
Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.
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
Return of minor children $100,000 maximum limit. Not subject to deductible
Political evacuation $10,000 maximum limit. Not subject to deductible.
Natural disaster $25,000 maximum limit. Not subject to deductible.
Terrorism Up to $50,000 maximum limit. Not subject to deductible.
Hospital indemnity $250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible
Common carrier accidental death $25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible
Accidental death & dismemberment $50,000 principal sum. Not subject to deductible.
Laboratory Up to the maximum limit
Chemotherapy / Radiation Therapy Up to the maximum limit
Pre-Admission Testing Up to the maximum limit
Reconstructive Surgery Up to the maximum limit
Assistant Surgeon 20% of the primary surgeon’s eligible fee
Anesthesia Up to the maximum limit
Chiropractic Care Up to the maximum limit
Extended Care Facility Up to the maximum limit
Interfacility Ambulance Transfer Company pays 100%
Pet Return $1,000 maximum limit. Not subject to deductible
Bedside Visit $1,500 maximum limit. Not subject to deductible.
Trip interruption $10,000 maximum limit. Not subject to deductible
Lost luggage $50 per item, $500 maximum limit. Not subject to deductible
Identity Theft $500 maximum limit. Not subject to deductible.
Incidental Trips to Home Country 14 consecutive days maximum limit
Personal Liability $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.

Hospital Room and Board

Outside the U.S: Up to the maximum limit
Inside the U.S: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission. Up to the maximum limit

Pre-Certification

50% reduction of eligible medical expenses if pre-certification provisions are not met

Intensive care

Up to the Maximum Limit.

Surgery

Up to the Maximum Limit.

Physician visits

Up to $15 copay for walk-in clinic. Up to $25 copay for urgent care center. (Copay not applicable when $0 deductible is selected)

Emergency local ambulance

Up to the Maximum Limit.

Emergency room

Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.

Emergency dental treatment

$300 maximum limit due to accident or unexpected pain to sound natural teeth.

Traumatic Dental Injury

Up to the period of coverage maximum limit. Subject to deductible and coinsurance. (Treatment at a hospital due to an accident)

Emergency medical evacuation

Up to the maximum limit. Not subject to deductible

Emergency reunion

$100,000 maximum limit. Not subject to deductible

Return of mortal remains or cremation/burial

Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible

Hospital Emergency Room:International

Up to the maximum limit

Hospital Emergency Room:United States

Injury not subjected to emergerncy room deductible.
Illness:Subject to a $250 deductible to each emergency room visit for treatment that does not result in direct inpatient.

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

Return of minor children

$100,000 maximum limit. Not subject to deductible

Political evacuation

$10,000 maximum limit. Not subject to deductible.

Natural disaster

$25,000 maximum limit. Not subject to deductible.

Terrorism

Up to $50,000 maximum limit. Not subject to deductible.

Hospital indemnity

$250 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible

Common carrier accidental death

$25,000 per insured child, $100,000 per insured adult, $250,000 maximum limit per family. Not subject to deductible

Accidental death & dismemberment

$50,000 principal sum. Not subject to deductible.

Laboratory

Up to the maximum limit

Chemotherapy / Radiation Therapy

Up to the maximum limit

Pre-Admission Testing

Up to the maximum limit

Reconstructive Surgery

Up to the maximum limit

Assistant Surgeon

20% of the primary surgeon’s eligible fee

Anesthesia

Up to the maximum limit

Chiropractic Care

Up to the maximum limit

Extended Care Facility

Up to the maximum limit

Extended Care Facility

Up to the maximum limit

Interfacility Ambulance Transfer

Company pays 100%

Pet Return

$1,000 maximum limit. Not subject to deductible

Bedside Visit

$1,500 maximum limit. Not subject to deductible.s

Trip interruption

$10,000 maximum limit. Not subject to deductible

Lost luggage

$50 per item, $500 maximum limit. Not subject to deductible

Identity Theft

$500 maximum limit. Not subject to deductible.

Incidental Trips to Home Country

14 consecutive days maximum limit

Personal Liability

$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.

Optional Riders

Adventure Sports Rider (available to insureds up to age 65)
  • For Age(0-49): $50,000 Lifetime Maximum
  • For Age(50-59): $30,000 Lifetime Maximum
  • For Age(60-64): $15,000 Lifetime Maximum
Enhanced AD&D Rider (available to the primary insured only)
  • This optional coverage is available for the primary insured person only. This coverage is in addition to the Accidental Death and Dismemberment already included in the plans. Coverage must be purchased for a minimum of three months.
Chaperone Replacement Rider
  • Up to $3,000
Evacuation Plus Rider (available to insureds up to age 65)
This rider must be purchased for a minimum purchase of 3 months regardless of the minimum number of days being traveled.
  • Non Life-threatening Medical Evacuation: Upto a maximum of $25,000
  • Natural Disaster Evacuation: Upto a maximum of $5,000
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