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Patriot America
Underwriter: Sirius International
Plan pays 100% up to policy maximum in PPO Network
(Outside Network: Pays 80% for first $5000, then 100%)
- Outside USA: Pays 100% up to the policy maximum.
- Comprehensive coverage plan
- Coverage from 5 days to to 365 days
- PPO network (See list of doctors and hospitals)
- Renewable and Cancelable
- Covers during international travel
- Cannot accept an address in Maryland (MD).
Policy info
Plan Administrator: IMG
Carrier: Sirius International
AM Best Rating: A(Excellent)
Patriot America insurance is a medical insurance plan that provides health coverage and emergency services to individuals and families traveling outside their home country. After the deductible is satisfied, for treatments within the PPO network, the plan pays 100% unto the policy maximum. Outside the PPO network, the plan pays 80% for the first $5,000 and 100% thereafter for each sickness or injury. Outside the USA, the plan pays 100% after deductible.
Please review Patriot America Insurance Brochure 
or Description of Coverage (policy document) for complete and accurate coverage and exclusions.
Benefits
Plan Overview
FAQs
Dr. / Physician Visit
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Urgent Care
$25 copay. for Urgent Care
$15 copay for walk-in clinics.
After that In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
$15 copay for walk-in clinics.
After that In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Surgical Treatment
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Prescription Drugs / Medicines
80% covered for first $5,000
100% covered thereafter
100% covered thereafter
Lab & X-rays
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Physical Therapy
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Hospital Room
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Surgical Treatment
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Hospital Intensive Care Unit
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Ambulance Expenses
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Emergency Room(ER)
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter.
Separate deductible of $250 applies to ER visit for illness that does not lead to immediate hospitalization.
This deductible does not apply to injuries, or illness that lead to hospitalization.
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter.
Separate deductible of $250 applies to ER visit for illness that does not lead to immediate hospitalization.
This deductible does not apply to injuries, or illness that lead to hospitalization.
Outside USA: the plan pays 100% up to the policy maximum
Acute, spontaneous and unexpected pain
Up to $300
Accidental emergency
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Outside USA: the plan pays 100% up to the policy maximum
Emergency Medical Evacuation / Repatriation
Up to $1000,000
Return of 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
AD&D
$25,000 principal sum
Common Carrier Accidental Death
$50,000 to beneficiary; max $250,000 per family
Pre-Existing Conditions
Not Covered
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to $50,000 lifetime maximum
Brochure
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
