International Medical Group

Patriot Group Travel Insurance

IDEAL FOR: Tourists and parents visiting the USA
ELIGIBILITY:
  • Patriot International Group covers group of US citizens travelling outside USA with coverage for brief returns to the US
  • Patriot America Group covers group of Non US citizens travelling outside their home country
  • 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. For visitors over 65 years of age it must begin within 30 days of arrival. These requirements are waived if proof of previous valid international travel insurance is provided.
COVERAGE: 10 days to 2 years
Patriot group travel 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

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Plans Highlights

POLICY MAXIMUM

Maximum medical coverage options are
$50,000; $100,000; $500,000; $1,000,000; $2,000,000

DEDUCTIBLE

Individual deductible options are
$0, $100, $250, $500, $1000 and $2500 per each injury or sickness

COINSURANCE

For treatment received outside the US and Canada: No coinsurance.

For treatment received within the US and Canada-
In the PPO Network:90% of eligible expenses up to $5,000, then 100% up to the policy maximum limit
Outside the PPO Network: 80% of eligible expenses up to $5,000, then 100% up to the policy maximum limit

Pre-Existing Conditions

Pre-Existing Condition Coverage?:
  • For US Citizens(Medical)
    • Up to age 65 with primary health plan: Up to maximum limit.
    • Up to age 65 witout primary health plan: $20,000 certificate period.
    • Age 65 to age 70: $2,500 certificate period.
  • For Non US citizens(Medical)
    • Up to age 70 years: Up to maximum limit or $500,000 whichever is less
  • Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation
    • Up to $25,000 maximum limit for up to age 65.

Benefits Details

Benefits Coverage
Hospital room and board Average semi-private room rate up to the maximum limit. Includes nursing service.
Intensive care Up to the maximum limit.
Surgery Up to the Maximum Limit.
Physician visits Up to the Maximum Limit.
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 $1,000,000 maximum limit. Not subject to deductible.
Emergency reunion $50,000 maximum limit. Not subject to deductible.
Return of mortal remains or cremation/burial $50,000 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 Deductible waived.
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.
Return of minor children $50,000 maximum limit. Not subject to deductible.
Political evacuation $10,000 maximum limit. Not subject to deductible.
Natural disaster Up to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Terrorism Up to $50,000 maximum limit. Not subject to deductible.
Hospital indemnity Up to $100 per overnight up to a maximum of 10 overnights.
Common carrier accidental death $50,000 per insured person and $250,000 maximum limit per lifetime and per family.
Accidental death & dismemberment $25,000 principal sum.
Trip interruption Up to $5,000
Lost luggage Up to $50 per item; maximum of $250.
Identity Theft $500 maximum limit. Not subject to deductible.
Incidental Trips to Home Country 14 consecutive days maximum limit
Personal Liability Injury to third person: $100 per injury deductible Damage to third person's property: $100 per injury deductible.
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