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PA
Patriot America
Underwriter: Sirius International
Plan pays 90% of first $5,000; then 100% 
(Outside Network: Pays 80% for first $5000, then 100%)
- Outside USA & Canada: 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
- No coverage for Sudden and Unexpected Recurrence of a Pre-existing Condition.
- Not available for the residents of 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 90% for the first $5,000 and 100% thereafter for each sickness or injury; and for treatments 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: 90% covered for first $5,000
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
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
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
Prescription Drugs / Medicines
80% covered for first $5,000
100% covered thereafter
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
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
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
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
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
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
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
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
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
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
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
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
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
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
100% covered thereafter
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.
