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Patriot America Plus Comprehensive Coverage Plan

Patriot America Plus


Patriot America Plus provides coverage for non-U.S. citizens traveling to the USA. The plan offers a complete package of international benefits available 24 hours a day to individuals, families, and groups of five or more travelers. The plan provides a wide range of plan maximum limits and deductible options, and it is available for a minimum of 5 days up to a maximum of two years, in accordance with the terms of the Certificate of Insurance.

Sudden and Unexpected Recurrence of a Pre-existing Condition - Medical (Non U.S. citizens only)

A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs

  1. spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care;
  2. After the Effective Date; and
  3. Prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective

Additionally, the plan offers excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service centers, claims administrators who process claims from all over the world, handling virtually every language and currency, and 24 hour access to highly qualified coordinators of emergency medical services and international treatment.

PLAN INFORMATION
Maximum Limit Per Period of Coverage Options $50,000, $100,000, $500,000
Individual Deductible Options $0, $100, $250, $500, $1,000, $2,500
Coinsurance - for treatment received outside the U.S. & Canada No Coinsurance
Coinsurance - for treatment received outside the U.S. & Canada In the PPO Network- The plan pays 90% of eligible medical expenses up to $5,000, then 100%
Out of the PPO Network - The plan pays 80% of eligible medical expenses up to $5,000, then 100%
Continuation of Treatment Period Earlier of 6 months per Injury or Illness or upon return to Home Country
MyIMGSM 24 hour secure access from anywhere in the world to manage your account at anytime
World-class Medical Benefits Coverage available for eligible inpatient and outpatient medical expenses
International Emergency Care A wide range of international emergency benefits available including emergency evacuation, emergency reunion, return of mortal remains, return of minor children and more
INPATIENT/OUTPATIENT BENEFITS Subject to the coinsurance and deductible when applicable and Usual, Reasonable, and Customary (Up to the maximum limit)
Hospital Room and Board Up to the maximum limit
Intensive Care Unit Up to the maximum limit
Eligible Medical Expenses Up to the maximum limit
Acute Onset of Pre-existing Condition
prior to age 70 - Medical Expenses
Up to the maximum limit
Local Ambulance Up to the maximum limit
Prescription Medication Up to the maximum limit
Emergency Room Accident Up to the maximum limit
Emergency Room Illness with
In-patient Admission
Up to the maximum limit
Emergency Room Illness without
In-patient Admission
Up to the maximum limit with additional $250 deductible
Dental - Treatment related to an Accident Up to the maximum limit
Dental - Emergency $100 maximum
Hospital Daily Indemnity $100 per overnight, up to a maximum of 10 overnights
Terrorism $50,000 lifetime maximum
Recreational Sports & Activities Up to the maximum limit for non-organized, non-contact, and non-collision activities
EVACUATION BENEFITS Not subject to a deductible or coinsurance.
Emergency Medical Evacuation $500,000 lifetime maximum
(independent of the Maximum Limit)
Acute Onset of Pre-existing Condition prior to age 70 - Emergency Medical Evacuation $25,000 lifetime maximum
Emergency Reunion $50,000 lifetime maximum
Return of Mortal Remains or Cremation/Burial $50,000 for Return of Mortal Remains or
$5,000 for Cremation/Burial
Return of Minor Children $50,000 lifetime maximum
Political Evacuation $10,000 lifetime maximum
ADDITIONAL BENEFITS Not subject to a deductible or coinsurance.
Incidental Trips Up to a cumulative two weeks
End of Trip Home Country Coverage One month for every six months of continuous coverage,
up to two months maximum
Trip Interruption $5,000 maximum
Common Carrier Accidental Death $50,000 to beneficiary; maximum of $250,000 per family
Accidental Death & Dismemberment $25,000 principal sum
Lost Luggage $50 per item; maximum of $250
Natural Disaster $100 per day for five days maximum
Identity Theft $500 maximum
OPTIONAL RIDERS
Other than the Enhanced AD&D Rider, optional riders can be requested and apply to all eligible individuals listed on the Application.
Adventure Sports Rider
(available to insureds up to age 65)
AgeLifetime Maximum
0 - 49$50,000
50 - 59$30,000
60 - 64$15,000
Enhanced AD&D Rider
(available to the primary insured only)
Up to the Maximum Limit
Evacuation Plus Rider
(available to insureds up to age 65)
Non Life-threatening Medical Evacuation: Up to a maximum of
$25,000. Natural Disaster Evacuation: Up to a maximum of $5,000

All coverage and benefits in this Policy are in United States (U.S.) dollars. Benefits are subject to the exclusions and limitations and are payable only at Usual, Resonable and Customary charges . This is a summary and does not supersede in anyway the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided. *Must be approved in advance and coordinated by the Company.