Patriot America

IMG

Provides coverage for individuals, families and groups who need temporary medical insurance while traveling for business or pleasure anywhere outside of your home country.

Coinsurance – for treatment received within the U.S.

In the PPO Network – Company pays 100% of eligible expenses
Out of the PPO Network – Company pays 80% of eligible expenses up to $5,000, then 100%

General

Coinsurance
In the PPO Network - Policy pays 100% of eligible expenses ; Out of the PPO Network - Policy pays 80% of eligible expenses up to $5,000, then 100%
Medical Benefits

Hospital Room and Board
Average semi-private room rate up to the maximum limit. Includes nursing service. (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
No Coverage
Maternity
No Coverage
Routine physical examination
No Coverage
Physical Therapy
Ambulance
Up to the maximum limit
Emergency Room
Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Hospital Indemnity
Up to $100 per overnight up to a maximum of 10 overnights. Not subject to deductible.
Dental Benefits

Unexpected pain to sound natural teeth
$300 maximum limit due to accident or unexpected pain to sound natural teeth.
Accident related Emergency
$300 Maximum
Life Insurance

Accidental Death & Dismemberment
$25,000 principal sum. Not subject to deductible.
Common Carrier Accidental Death
$50,000 per insured person and $250,000 maximum limit per lifetime and per family.Not subject to deductible.
Other Travel Benefits

Emergency Medical Evacuation
$1,000,000 maximum limit. Not subject to deductible.
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
$50,000 maximum limit
Return of Minor Children
Up to $50,000. Not subject to deductible.
Trip Interruption
Up to $5,000. Not subject to deductible.
Loss Luggage
Up to $50 per item; maximum of $250. Not subject to deductible.
Terrorism
Up to $50,000 lifetime maximum. Not subject to deductible.
Coverage Information
Plan Type
Comprehensive
Acute Onset
No
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.