PA+

Patriot America Plus

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
100%
In Network

After deductible, the plan pays 100% up to the policy maximum.

80%
Out of Network

Plan pays 80% of the first $5,000, then 100% up to the policy maximum.

COVID-19 Included
acute-onset-pre-existing-condition
Acute onset of Pre-Existing Conditions
extendable-cancelable
Extendable & Cancelable
ppo
urgent-care
Urgent Care
medical-coverage-during-travel
Medical Coverage During Travel
extendable-cancelable
Comprehensive Coverage Plan
Coverage from 5 days to 365 days
BUY

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.

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
Hospital Room
Average semi-private room rate up to the 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
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
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 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
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
Pre-Existing Conditions
Acute onset of a pre-existing condition coverage up to maximum limit for people up to 69 years of age.
$25,000 maximum limit for emergency medical evacuation
For people 70 years & over there is no coverage for acute onset of pre-exiting conditions

An acute onset of a pre-existing condition occurs 1) spontaneously and without advance warning either in the form of physician recommendation or symptoms, is of short duration, is rapidly progressive, and requires urgent medical care; 2) after the policy effective date; and 3) prior to the age shown in the schedule of benefits/limits. Treatment must be obtained within 24 hours of the acute onset. 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 maximum limit.
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

Available for any non-US resident who does not have a country restriction. For someone below 65 years of age, coverage must begin within 6 months of arrival in the U.S. and for someone 65 years of age and older, coverage must begin within 30 days of arrival in the U.S. (restriction waived with proof of previous valid insurance within 30 days of the policy start date).

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 copay applies for Urgent Care Visit.
$15 copay 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
Co-pay waived if $0 deductible is selected

Co-Insurance

After the Insured pays the deductible:

In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter

How the Benefits are Paid

After Deductible is met,In-Network: 100% covered up to policy maximum
Out-of-Network: 80% covered for first $5,000
100% covered thereafter.
Outside the USA, plan pays 100% up to the policy 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

Available Coverage

Choose From: $0, $100, $250, $500, $1,000, $2,500
Co-pay is waived if $0 deductible is chosen.

Provider Directory

By Provider, Phone Nos.: 800-628-4664 or 317-655-4500

Plan Brochure

Patriot America Plus Insurance Brochure brochure

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.

US States Restrictions

No state restrictions

Country Restrictions

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.