Patriot America Insurance

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Visitor and Travel insurance

"Most popular insurance site for parents visiting USA"

Patriot America Insurance

Plan pays 90% of first $5,000; then 100%
(Outside Network: Pays 80% for first $5000, then 100%)

Comprehensive coverage plan

Coverage from 5 days to 2 years

PPO network (See list of doctors and hospitals)

Renewable and Cancelable

Covers during international travel

$50,000 coverage for Sudden and Unexpected Recurrence of a Pre-existing Condition

Not available for purchase in Maryland(MD) state.

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Patriot America Insurance FAQs

Q1: What information do I need to purchase this plan?

Name(s), date of birth, and passport number of the visitor(s).

Q2: When will I receive my ID card?

The print out of the on-line buying receipt/virtual ID card is the proof of insurance and can be used as an ID card. While filling out the online application, if you select online fulfillment you will not receive anything in snail mail but in your email. If you select the snail mail piton then you won't receive your ID card in email but to your mailing address within 5-10 business days.

You can also retrieve your ID card on imglobal.com: Get My ID Card

Q3. What's the Rx Discount Card that comes with this plan?

This is a discount savings program available to every certificate holder of the Patriot travel plans. This program allows card members to purchase prescriptions at one of over 35,000 participating pharmacies in the U.S. and receive the lower of 1) Universal Rx contract price or 2) the pharmacy regular retail price.

This discount program is not insurance coverage. It is purely a discount program to purchasers of the Patriot travel plans. Use of the discount card does not guarantee that prescribed medication is covered under the insurance benefit plan.

Retrieve your Rx Discount card on imglobal.com: Get Rx Discount Card

Q4. What's the Return Rider? Should I get it?

Patriot America Insurance automatically covers the flight from home country to the U.S. but if you want the trip back to home country covered as well then you should purchase the Return Rider. This rider is an additional cost and you'll be able to get a quote for it and select it in the application.

Q5. What are the other riders options?

Riders are additional features or additional coverage to the standard plan. Not everyone needs all the riders. Patriot America Insurance has the following riders to choose from. All the riders have an additional cost and you'll be able to get a quote for it and select it in the application.

Leisure Sports
Coverage for jet skiing, scuba diving, snow skiing, snow boarding, snow mobiling, snorkeling, surfing, wake boarding, water skiing and windsurfing.
Extreme Sports
Provides coverage up to $50,000 lifetime maximum for extreme sports activities such as BMX, bungee jumping, caving, flying (private plane), hand gliding, high diving, hot air ballooning, kayaking, inline skating, mountain biking, & etc. Refer Patriot America Insurance Brochure for complete list.
Enhanced AD&D
This optional coverage is available for the primary insured person only. The coverage is in addition to the Accidental Death & Dismemberment already included in the Patriot plans. Coverage must be purchased for a minimum of three months.
Return Rider
(Non-U.S. Citizens only) When purchased at the time of application, Patriot Return provides temporary medical coverage for non-U.S. citizens returning to their home country.

Q6: Which doctor or hospital can I go to?

The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

You can search for doctors or hospitals in this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

Q7: How do I use this insurance?

Please refer to the following article about the policy usage: How to use Visitor Insurance?

Q8: How do I file a claim?

Please refer to the following article concerning the claim process:
Visitor Insurance Claim Process

Q9: When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?

Based on the desired coverage length you have selected, you have to make the full payment at once.

Since this plan is renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.

Q10: Where can I find answers to other questions I have?

Please refer to Visitors Insurance FAQs section.
Learn more from informative articles at Visitor Insurance Information section. If you still have questions, please call our support line toll free: 1.866.384.9104

Note: Information provided here is general in nature and may change from time to time. Your best course of action would be to refer to your policy papers/guidelines and contact the Provider for up-to-date information

Out-Patient
Dr. / Physician Visit	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Surgical Treatment	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Prescription Drugs / Medicines	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Lab & X-rays	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Physical Therapy	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
In-Patient
Hospital Room	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Surgical Treatment	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Hospital Intensive Care Unit	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Emergency Services
Ambulance Expenses	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Emergency Room(ER)	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Dental
Acute, spontaneous and unexpected pain	Up to $100
Accidental emergency	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Travel
Emergency Medical Evacuation / Repatriation	In-Network: 90% covered for first $5,000 100% covered thereafter Out-of-Network: 80% covered for first $5,000 100% covered thereafter
Return of mortal Remains	Coverage up to a maximum of $50,000 for return of Mortal Remains to the insured’s home country or up to $5000 for the preparation, local burial and cremation of your mortal remains at the place of death.
Emergency Reunion	Up to $50,000
Return of minor Child(ren)	Up to $50,000
Trip Interruption	Up to $5,000
Loss of checked Baggage	$50 per item up to $250 max per period of coverage
Life
AD&D	$25,000 principal sum
Common Carrier Accidental Death	$50,000 to beneficiary; max $250,000 per family
Other
Pre-Existing Conditions	Sudden and unexpected recurrence of a Pre-existing Medical condition for non- US citizens age 65 and under is covered up to a life time maximum of $50,000, for 65+ up to $2500.
Maternity	Not Covered
General Physical full Checkup	Not Covered
Terrorism Coverage	Up to $50,000 lifetime maximum
Brochure	Patriot American Insurance Brochure
Support
24-Hrs Emergency Assistance	Yes. Contact number and details can be found on the ID card.


Plan Administrator Company	IMG
Carrier / Underwriter	Sirius International
Eligibility	Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card living outside the US can also purchase the plan for temporary coverage in US. can purchase the plan. For person below 65 coverage must begin within 6 months of arrival in US and for person over 65 coverage must begin within 30 days of arrival in US(condition waived with proof of previous valid insurance ).
Plan Type	Comprehensive Coverage Plan Plan pays up to a certain percentage of medical expenses.
AM Best Rating	A (Excellent)
Coverage in U.S.A.	Covered
Coverage outside U.S.A.	Covered
Co-Pay	No Co-pay (You pay the difference of the fixed benefits defined by the benefit table)
Co-Insurance	After the Insured pays the deductible: Inside PPO Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Outside the PPO Network: The plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Outside the United States and Canada: After the Insured pays the deductible, the program pays 100% to the selected Maximum
How the Benefits are Paid	After the Insured pays the deductible: Inside PPO Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Outside the PPO Network: The plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. Outside the United States and Canada: After the Insured pays the deductible, the program pays 100% to the selected Maximum (Click Here for More Details)
Coverage Type	Lifetime of the policy
Deductible Type	Annual deductible, Only one time in a year.
Renewability	Renewable (Only if initially purchased for 1 month) with $5 fee each time you renew, up to a maximum period of 2 years.
Cancellation	Full refund available if cancelled before start date. Only Monthly refund available after start date if no claims have been made( $50 Cancellation Fee Applicable)
PPO Network	First Health Network
Coverage Length	Min 5 days-Max 12 Months, coverage can be extended up to 2 years by renewing
Available Deductibles	Choose From: $0, $100, $250, $500, $1,000
Available Coverage	Choose From: $50,000; $100,000; $500,000; $1,000,000 Ages 70+: Limited to $50,000 Ages 80+: Limited to $10,000
Provider Directory	By Provider, Phone Nos.: 800-628-4664 or 317-655-4500
Plan Brochure	Patriot America Insurance Brochure
US States Restriction	Residents of Maryland (MD) state cannot purchase this policy. Applicant with Maryland (MD) state address cannot purchase this policy. Policy still provides coverage for policy holder who is visiting MD State
Home Country Definition	U.S. Citizens: Home Country is always the United States of America. Non-U.S. Citizens: Home Country is the country of which the Insured Person is a citizen or national; including any country where the Insured Person maintains his/her primary residence or usual place of abode and any country of which the Insured Person is the possessor of a validly issued passport. In the event there is more than one home country under the above-listed criteria, the Home Country is the country meeting the above-listed criteria and listed by the Insured as his or her Home Country on the application.
Country Restriction	Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana


	Disclaimer Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

Patriot America Insurance FAQs

Out-Patient

In-Patient

Emergency Services

Dental

Travel

Life

Other

Support