Patriot America

IMG

Patriot America provides dependable medical insurance when you’re traveling outside your home country to America or American territories. You can’t go wrong with such a robust insurance policy. Patriot America is the perfect protection during any medical emergency. Plus, without realizing it, your existing medical coverage may not protect you so far from home. So you’ll need to find insurance that will travel with you, all the way to the U.S.A.

The Patriot America plan offers a variety of deductible options and a large maximum limit. Valuable perks like identity theft, lost luggage, and trip interruption insurance are additional coverages that can be invaluable when you are thousands of miles from home.

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 policy maximum. Comprises of 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 Plans 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
As per the plans maximum limit. $250 deductible if its not 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 max limit related 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
$50000 per person | $250,000 lifetime per family
Other Travel Benefits

Emergency Medical Evacuation
$1,000,000 maximum limit
Return of Mortal Remains or Cremation/Burial
$50000/$5000 (Not contingent to the deductible)
Emergency Reunion
$50,000 maximum limit
Return of Minor Children
Max $50,000
Trip Interruption
Up to $5,000
Loss Luggage
Up to $50 per item; maximum of $250
Terrorism
$50,000
Coverage Information
Plan Type
Comprehensive
Acute Onset
No
Cancelable
Yes
Renewable
Yes
Adventure
No
Dependent Eligible
Yes

Disclaimer
Before making a final purchase, you must thoroughly read the policy information published by the insurance carrier, including their policy brochure and certificate. The insurance company's documents provide the definitive explanation of plan features, benefits, exclusions, limitations, claims handling, and other critical details. If you find any conflicts between our website and the insurance carrier’s documents, be advised the insurer’s documents take precedence.