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 90% of eligible expenses up to $5,000, then 100%
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 90% of eligible expenses up to $5,000, then 100% ; Out of the PPO Network - Policy pays 80% of eligible expenses up to $5,000, then 100%
Inpatient

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)
Outpatient

Physician Visits
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Urgent Care
Up to the Maximum Limit(Usual, reasonable and customary charges, subject to coinsurance & deductible)
Surgical Treatment
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)
Dental

Acute, Unexpected
$100 Maximum
Accidental Emergency
Life

Accidental Death & Dismemberment
$25,000 principal sum. Not subject to deductible.
Common Carrier AD&D
$50,000 per insured person and $250,000 maximum limit per lifetime and per family.Not subject to deductible.
Emergency Services

Ambulance Expenses
Up to the maximum limit
Emergency Room
Up to the maximum limit. Additional $250 deductible if not admitted as an inpatient.
Travel

Emergency Medical Evacuation
$500,000 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.
Other Services

Pre-Existing Conditions
No Coverage
Maternity
No Coverage
Routine physical checkup
No Coverage
Terrorism Coverage
Up to $50,000 lifetime maximum. Not subject to deductible.
Physical Therapy
Hospital Indemnity
Up to $100 per overnight up to a maximum of 10 overnights. Not subject to deductible.

Disclaimer
The information presented on Visitors Guru’s website is available to view with the purpose to provide general understanding at your convenience. It is imperative and in your very best interest to make the effort to thoroughly review insurance plan “Brochure” and “Policy/Certificate” prior to purchasing the policy. Reviewing these documents will give you vital information such as: Schedule of Benefits/Limits, Exclusions, and Complete details. Visitors Guru will do our best to properly describe your plan, should there be a misunderstanding- the wording on the policy certificate will be honored. All Terms and Conditions listed on your insurance policy document(s) is legally applicable and binding.

Plan Type
Comprehensive
Acute Onset
No
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes