Patriot America Plus

IMG

Addresses the insurance needs of non-U.S. citizens who need temporary medical insurance while traveling for business or pleasure to the United States.
In the PPO Network – Pays 100%
Out of the PPO Network -The plan pays 80% of eligible medical expenses up to $5,000, then 100%

Coverage and benefits are subject to the deductible and coinsurance, and all terms of the Certificate of Insurance and Master Policy.

General

Coinsurance
In the PPO Network - Pays 100% | Out of the PPO Network -The plan pays 80% of eligible medical expenses up to $5,000, then 100%
Medical Benefits

Hospital Room and Board
Average semi-private room rate up to the maximum limit. (Subject to coinsurance & deductible)
Surgical Treatment
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Intensive Care
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment (Outpatient)
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Prescription Medication
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Diagnostic Procedures
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Pre-Existing Conditions
Acute Onset of Pre-existing Condition prior to age 70 - Medical Expenses.Usual, Reasonable, and Customary
Maternity
No Coverage
Routine physical examination
No Coverage
Physical Therapy
Up to maximum limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Ambulance
Up to maximum limit (Usual, reasonable and customary charges, subject to coinsurance & deductible)
Emergency Room
Up to maximum limit (Subject to coinsurance & deductible)
Hospital Indemnity
$100 per overnight. Up to a maximum limit of 10 overnights
Dental Benefits

Unexpected pain to sound natural teeth
$300 Maximum
Accident related Emergency
Up to maximum limit (Subject to coinsurance & deductible)
Life Insurance

Accidental Death & Dismemberment
$25,000 principal sum
Common Carrier Accidental Death
$50,000 to beneficiary; maximum of $250,000 per family
Other Travel Benefits

Emergency Medical Evacuation
$1,000,000 maximum limit
Return of Mortal Remains or Cremation/Burial
Up to $50,000 for return of mortal remains or $5,000 for cremation/burial. Not subject to deductible.
Emergency Reunion
Up to $50,000 Lifetime Maximum
Return of Minor Children
$50,000 lifetime maximum
Trip Interruption
Up to $5,000
Loss Luggage
$50 per item; maximum of $250
Terrorism
$50,000 lifetime maximum
Coverage Information
Plan Type
Comprehensive
Acute Onset
Yes
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
As part of our service, we also strive to explain products and answer questions right here on this website. Still, we must offer a disclaimer for our travel medical insurance and other travel insurance guides. As with any insurance, you must read the insurance company's brochures and policy or certificate before making a purchase. The insurance company's documents explain policy features, benefits, exclusions, limitations, claims handling, and other critical details. If you ever find a conflict between our website's wording and information from the insurance company, the insurance company's documents take precedence and represent your legal contract.