Patriot America
Comprehensive Coverage, Rated A- (Excellent)By: IMG, UW: Sirius SpecialitySirius Specialty Insurance Corporation
- AM Best Rating
- A- (Excellent)
- Administrator/Underwriter
- IMG
Sirius Specialty Insurance Corporation
In Network
After deductible, the plan pays 100% up to the policy maximum.
Out of Network
Plan pays 80% of the first $5,000, then 100% up to the policy maximum.
COVID-19 Excluded
Extendable & Cancelable
PPO
Urgent Care
Medical Coverage During Travel
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
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.
Out-Patient
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
Urgent Care
$25 co-pay applies for Urgent Care.
$15 co-pay applies to walk in clinics.
Co-pay waived if $0 deductible is chosen
In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
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
Prescription Drugs / Medicines
Up to policy maximum.
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
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
In-Patient
Hospital Room
Average semi-private room rate up to maximum limit. Includes nursing service.
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
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
Emergency Services
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
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 result in direct inpatient hospital admission.
This deductible does not apply to injuries, or illness that lead to hospitalization.
Outside USA: the plan pays 100% up to the policy maximum
Dental
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
Travel
Emergency Medical Evacuation / Repatriation
Up to $1,000,000
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 $5,000 for the preparation, local burial and cremation of your mortal remains at the place of death.
Emergency Reunion
Up to $100,000. Not subject to deductible but must be approved beforehand.
Return of minor Child(ren)
Up to $100,000. Not subject to deductible but must be approved beforehand.
Trip Interruption
Up to $10,000
Loss of checked Baggage
$50 per item up to $500 maximum per period of coverage
Life
AD&D
$50,000 principal sum.
Common Carrier Accidental Death
$25,000 per insured child, $100,000 per insured adult. $250,000 maximum limit per family
Other
Pre-Existing Conditions
Not Covered
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to $50,000 maximum limit.
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 Specialty Insurance Corporation
AM Best Rating
A- (Excellent)
Eligibility
Can be purchased by Non US residents ( both US & Non US citizens), who love outside the USA, and are traveling to the USA for a short trip.
Plan Type
Comprehensive Coverage Plan
Plan pays up to a certain percentage of medical expenses.
Coverage in U.S.A.
Covered
Coverage outside U.S.A.
Covered
Co-Pay
$25 co-pay for Urgent Care;
$15 Co-pay for Walk in Clinics
Co-pay waived if $0 deductible is selected
Co-Insurance
After the Insured pays the deductible:
Inside PPO Network in the USA: The plan pays 100% up to the Policy Maximum.
Outside the PPO Network in the USA: The plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.
Outside the United States: 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 in the USA: The plan pays 100% up to the Policy Maximum.
Outside the PPO Network in the USA: The plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.
Outside the United States: After the Insured pays the deductible, the program pays 100% to the selected Maximum
Coverage Type
Lifetime of the policy
Deductible Type
Annual deductible, Only one time in a year.
Renewability
Extendable with a $5 fee each time you extend, up to a maximum period of 2 years.
Cancellation
Full refund available if cancelled before the policy start date.
Prorated refund available after start date only if no claims have been made
$50 cancellation fee applicable if cancelled after start date
PPO 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, $2,500
Co-pay is waived if $0 deductible is chosen.
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
Home Country Definition
U.S. Citizens: Home Country is where the insured person maintains primary residence. 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.
US States Restrictions
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
Country Restrictions
Paper Application is needed for residents of Gambia, Ghana, Nigeria, Sierra leone, Niger, Botswana
Patriot America Insurance FAQs | |||||||
| Q1: Am I eligible for the Patriot America Plan? The Patriot America Plan is available for any non-US Resident, visiting the USA for a short period of time. It is available to both US and Non US citizens, who permanently live outside the USA, and are traveling to the USA for a short trip. | |||||||
| Q2.What Information do I need to buy the Plan? You would need the names, dates of birth, passport numbers of the visitors, and a valid credit card to buy the plan. | |||||||
| Q3: When will I receive my ID card? You can print out your ID card from your confirmation e-mail and it will be used as proof of insurance. While filling out the online application, you will receive confirmation in your e-mail. If you select paper mail/snail mail then you will receive the ID card in the mail within 5-10 business days. You can also retrieve your ID card using MyIMG: Get My ID Card | |||||||
| Q4.Can I extend the plan, if I plan to stay longer? Yes, if you buy the plan initially for more than 30 days, you can extend the policy. You would need to extend the plan at least two days before the policy expires. There would be an extra $5 extension charge. | |||||||
| Q5.Can I cancel the plan, if I plan to go back earlier? Yes, you can cancel and get a refund for the Patriot America Plan, if you need to go back earlier than plan. The following rules apply: | |||||||
| Q6.Are pre-existing conditions covered by the Patriot America Plan? The Patriot America Plan does not offer any coverage for pre-existing conditions. | |||||||
| Q7.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 | |||||||
| Q8. What is the Sports riders options? Adventure Sports are usually not covered in travel medical policies. With additional premium you can purchase the optional Adventure Sports Rider Coverage. It is available for those up to the age of 64. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing. All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. The maximum coverage for Adventure sports rider for different age groups are the following:
| Q9: Which doctor or hospital can I go to? You can go to any doctor or hospital of your choice. If you would like, you can choose to go in the PPO network for Patriot America Plan, which is the FirstHealth PPO Network. You can search for doctors or hospitals in this Provider Directory. | Q10: How do I use this insurance? Please refer to the following article about the policy usage: | Q11: How do I file a claim? Please refer to the following article about the policy usage: How Does Visitor Insurance Work? | Q12: 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 extendable you can extend it anytime you would like to before the policy expires. There is a extendable fee of $5 that associated with the extension. | Q13: Where can I find answers to other questions I have? Please refer to the Visitors Insurance FAQs section. 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 Q14. Does Patriot America cover coronavirus? Depending on when you purchased a travel insurance policy and the type of plan purchased, coverage for coronavirus, if any, may vary. For more in-depth information regarding the impact of the coronavirus on travel insurance, please go to our information hub. | Q15. When does my coverage start on my travel medical insurance plan? Coverage on a travel medical insurance plan will begin on the date of departure and once the traveler has left their home country. Coverage areas are anywhere outside ones' home country as long as the policy is active. The coverage will end immediately once the traveler has entered back into their home country. | |
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.
