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.
Maximum medical coverage options are
$50,000; $100,000; $500,000; $1,000,000; $2,000,000
Individual deductible options are
$0, $100, $250, $500, $1000 and $2500 per each injury or sickness
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 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.
Hospital room and boardAverage semi-private room rate up to the maximum limit. Includes nursing service.
Intensive careUp to the maximum limit.
SurgeryUp to the Maximum Limit.
Physician visitsUp to the Maximum Limit.
Emergency local ambulanceUp to the maximum limit.
Emergency roomUp 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 InjuryUp 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:United StatesInjury 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 disasterUp to $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
TerrorismUp to $50,000 maximum limit. Not subject to deductible.
Hospital indemnityUp 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 interruptionUp to $5,000
Lost luggageUp to $50 per item; maximum of $250.
Identity Theft$500 maximum limit. Not subject to deductible.
Incidental Trips to Home Country14 consecutive days maximum limit
Personal LiabilityInjury to third person: $100 per injury deductible Damage to third person's property: $100 per injury deductible.