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Patriot Travel America Insurance Comprehensive Coverage Plan

Patriot Travel America Insurance


IMG has developed two Patriot Travel Medical Insurance plans that offer a complete package of international benefits available 24 hours a day. Patriot America® provides coverage for non-U.S. citizens traveling to USA. This plan 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.

Additionally, the plans offer excellent benefits and services to meet your global travel needs. You have access to international, multilingual customer service centers, claim 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. You can also choose from a wide range of deductibles, several Maximum Limits, and you have access to more than 17,000 providers through our International Provider AccessSM (IPA) when seeking treatment outside the U.S.  You can also reduce your out-of-pocket costs when seeking treatment in the U.S. by locating providers through the independent Preferred Provider Organization.

International travel can quickly turn into a frightening situation if you’re not prepared for a medical emergency. Most travelers assume they will be covered by their standard medical plan, but that isn’t the case. While traditional plans may offer adequate domestic coverage, they are not designed for international travel.

PLAN INFORMATION
Maximum Limit Per Period of Coverage Options $50,000, $100,000, $500,000, $1,000,000, $2,000,000 (Patriot International only)
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
Surgery Up to the maximum limit
Intensive Care 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
Durable Medical Equipment Up to the maximum limit
Emergency Local Ambulance 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 by the company
$50,000 maximum limit. Not subject to deductible.
Return of Minor Children
Must be approved in advance by the company
$50,000 maximum limit. Not subject to deductible.
Return of Mortal Remains or Cremation/Burial
Must be approved in advance 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 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 and 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.
Identity Theft $500 maximum limit. Not subject to deductible.
Hospital Indemnity $100 per overnight inpatient confinement, maximum limit of 10 overnights. 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 (Patriot International Only) U.S. citizen up to age 65 with primary health plan: Up to maximum limit.
U.S. citizen up to age 65 without primary health plan: $20,000 maximum limit.
U.S. citizen age 65 to age 70: $2,500 maximum limit.
Non-U.S. citizen up to age 70: Up to maximum limit or $500,000 - whichever is lower.
Acute Onset of a Pre-existing Condition - Emergency Medical Evacuation (Patriot International Only) Up to age 65: $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 facility resulting in an inpatient hospital admission
Company pays 100%
Personal Liability
Secondary to any other insurance
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