PA+

Patriot America Plus

Underwriter: Sirius International
Policy info
Plan Administrator: IMG
Carrier: Sirius International
AM Best Rating: A(Excellent)

Patriot America Plus 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% up to the policy maximum; 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 Plus Insurance Brochure brochure or Description of Coverage brochure (policy document) for complete and accurate coverage and exclusions.

Here is a complete list of benefits of Patriot America Plus
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. 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
Prescription Drugs / Medicines
80% covered for first $5,000
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
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
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
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
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

Additional $250 Deductible applies for visits to ER for sickness that does not lead to immediate Hospitalization.

This deductible does to apply to any covered injuries and sicknesses 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
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 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
For people up to 69 years of age, plan pays up to the Maximum Limit per Period of Coverage;
$25,000 Maximum Limit per lifetime for Emergency Medical Evacuation
For people 70 years & over there is no coverage for acute onset of pre-exiting conditions
A sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs 1) spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the Effective Date; and 3) prior to the age shown in the Schedule of Benefits/Limits. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. A Pre-existing Condition which is a chronic or congenital condition or that gradually becomes worse over time and/or known, scheduled, required, or expected medical care, drugs or Treatments existing or necessary prior to the Effective Date are not considered to be an Acute Onset
Maternity
Not Covered
General Physical full Checkup
Not Covered
Terrorism Coverage
Up to $50,000 lifetime maximum
24-Hrs Emergency Assistance
Yes. Contact number and details can be found on the ID card.
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.
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