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Patriot America Plus Comprehensive Coverage Plan

Patriot America Plus


Patriot America Plus provides coverage for non-U.S. residents 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. residents 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.

Maximum Limit Per Period of Coverage Options $10,000, $50,000, $100,000, $500,000
Individual Deductible options $0, $100, $250, $500, $1,000, $2,500
Hospital Room and Board Average semi-private room rate up to the maximum limit. Includes nursing service
Intensive Care Up to the maximum limit
Surgery Up to the maximum limit
Physician Visits Up to the maximum limit
Diagnostic Procedures Up to the maximum limit
Prescription Medication Up to the maximum limit
Home Health Care Up to the maximum limit
Emergency Local Ambulance Up to the maximum limit
Durable Medical Equipment Up to the maximum limit
Emergency Dental Treatment $300 maximum limit due to dental accident or unexpected pain to sound natural teeth
Traumatic Dental Injury
Treatment at a hospital due to an accident
Up to the period of coverage maximum limit Subject to deductible and coinsurance Additional treatment for the same injury rendered by a dental provider will be paid at 100%
Emergency Medical Evacuation
Must be approved in advance and coordinated by the company
$1,000,000 maximum limit. Not subject to deductible.
Emergency Reunion
Must be approved in advance and coordinated by the company
$50,000 maximum limit. Not subject to deductible.
Return of Minor Children
Must be approved in advance and coordinated by the company
$50,000 maximum limit. Not subject to deductible.
Return of Mortal Remains or Cremation/Burial
Must be approved in advance and coordinated by the company
$50,000 maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Not subject to deductible.
Political Evacuation
Must be approved in advance and coordinated by the company
$10,000 maximum limit. Not subject to deductible.
Natural Disaster $250 per day and maximum limit of five days for accommodations. Not subject to deductible.
Accidental Death & Dismemberment $25,000 principal sum. Not subject to deductible
Common Carrier Accidental Death $50,000 per insured person, $250,000 maximum limit per lifetime per family. Not subject to deductible.
Trip Interruption $5,000 maximum limit. Not subject to deductible.
Lost Luggage $50 per item, $250 maximum limit. Not subject to deductible.
Hospital Indemnity $100 per overnight inpatient confinement, maximum limit of 10 overnights. Not subject to deductible.
Identity Theft $500 maximum limit. Not subject to deductible.
Terrorism $50,000 maximum limit. Not subject to deductible.
Incidental Trips to Home Country
Insured person’s country of residence is not the U.S.
14 consecutive days maximum limit
Incidental Emergency Coverage in the U.S. (Patriot International Only) 14 consecutive days maximum limit. Available only for a covered emergency medical evacuation, or an emergency injury or illness that manifested during travel through the United States to or from the host country.
Coinsurance - for treatment received outside of the U.S. No coinsurance (0%)
Coinsurance - for treatment received within the U.S. In the PPO network - Company pays 100%
Out of the PPO network - Company pays 80% of eligible expenses up to $5,000, then 100%
Pre-Certification Fifty percent (50%) reduction of eligible medical expenses if pre-certification provisions are not met.
Acute Onset of a Pre-existing Condition Under 70 years of age: Up to period of coverage maximum limit
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation Under 70 years of age: $25,000 maximum limit
Urgent Care $25 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible
Walk-in Clinic $15 co-pay. Co-pay is not applicable when the $0 deductible is selected. Not subject to deductible
Physical Therapy Medical order or treatment plan required Up to the maximum limit
Hospital Emergency Room: International Deductible waived
Hospital Emergency Room: United States Injury not subject to emergency room deductible
Illness: Subject to a $250 deductible for each emergency room visit for treatment that does not result in direct inpatient hospital admission
Interfacility Ambulance Transfer
Transfer from one licensed health care facility to another licensed health care facility resulting in an inpatient hospital admission
Company pays 100%
Personal Liability
Secondary to any other insurance
Combined maximum limit: $10,000
Injury to a third person: $100 per injury deductible
Damage to a third person’s property: $100 per damage deductible
No coverage for injury to a related third party or damage to related third person’s property

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.