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. Buy Online
Hospital Emergency roomOutside 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
Hospital room and boardAverage semi-private room rate, including nursing services
Pre-Certification50% reduction of eligible medical expenses if pre-certification provisions are not met
Intensive careUp to the Maximum Limit.
SurgeryUp to the Maximum Limit.
Physician visitsUp 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 ambulanceUp to the Maximum Limit.
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 evacuationUp to the maximum limit. Not subject to deductible
Emergency reunion$100,000 maximum limit. Not subject to deductible
Return of mortal remains or cremation/burialUp 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:InternationalUp to the maximum limit
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.
Urgent Care Clinic25 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.
TerrorismUp 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.
LaboratoryUp to the maximum limit
Chemotherapy / Radiation TherapyUp to the maximum limit
Pre-Admission TestingUp to the maximum limit
Reconstructive SurgeryUp to the maximum limit
Assistant Surgeon20% of the primary surgeon’s eligible fee
AnesthesiaUp to the maximum limit
Chiropractic CareUp to the maximum limit
Extended Care FacilityUp to the maximum limit
CInterfacility Ambulance TransferCompany 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 Country14 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.
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