PI

Patriot International

Comprehensive Coverage
AM Best Rating
A (Excellent)
Administrator/Underwriter
IMG
Sirius International
100%
In Network

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

90%
Out of Network

Plan pays 90% of the first $5,000 and 100% up to the policy max

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Acute onset of Pre-Existing Conditions
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Medical Coverage During Travel
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Renewable & Cancelable
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Comprehensive Coverage Plan
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Coverage from 5 days to 365 days
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Urgent Care
BUY
Patriot International provides comprehensive travel medical coverage for American Citizens traveling outside of America. Please review Patriot International Plan Brochure brochure or policy document for complete and accurate coverage information.

Out-Patient

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

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

Prescription Drugs / Medicines

In-Network: 90% covered for first $5,000
100% covered thereafter
Out-of-Network: 80% covered for first $5,000
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

In-Patient

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

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

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

Emergency Services

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

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

Dental

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

Travel

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

Return of Remains

Up to $50,000

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

Life

AD&D

$25,000 principal sum

Common Carrier Accidental Death

$50,000 to beneficiary; max $250,000 per family

Other

Pre-Existing Conditions

  • U.S. citizen up to age 65 with primary health plan: Up to maximum limit.
  • U.S. citizen up to age 65 without primary health plan: $20,000 maximum limit.
  • U.S. citizen age 65+: $2,500 maximum limit.

  • Maternity

    Not Covered

    General Physical full Checkup

    Not Covered

    Terrorism Coverage

    Up to $50,000 lifetime maximum

    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 International

    Eligibility

    Can be purchased by any U.S. citizen traveling outside of their home country. Also available to U.S. citizens living permanently outside of U.S. and needing coverage in the U.S. for short trips.

    Plan Type

    Comprehensive Coverage Plan
    Plan pays up to a certain percentage of medical expenses.

    AM Best Rating

    A (Excellent)

    Coverage in U.S.A.

    Covered

    Coverage outside U.S.A.

    Covered

    Co-Pay

    No Co-pay
    (You pay the difference of the fixed benefits defined by the benefit table)

    Co-Insurance

    Plan pays 100% up to policy max

    How the Benefits are Paid

    After the Insured pays the deductible:

    Inside PPO Network: The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.

    Outside the PPO Network: The plan pays 80% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum.

    Outside the United States and Canada: After the Insured pays the deductible, the program pays 100% to the selected Maximum (Click Here for More Details)

    Coverage Type

    Lifetime of the policy

    Deductible Type

    Annual deductible, Only one time in a year

    Renewability

    Renewable (Only if initially purchased for 1 month) with $5 fee each time you renew, up to a maximum period of 2 years.

    Cancellation

    Full refund available if cancelled before start date. Only Monthly refund available after start date if no claims have been made( $50 Cancellation Fee Applicable)

    PPO Network

    First Health Network

    Coverage Length

    Min 5 Days to 12 month.

    Available Deductibles

    Choose From: $0, $100, $250, $500, $1,000

    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

    Patriot 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

    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 International Plan FAQs

    Q1: What information do I need to purchase this plan?

    Name(s), date of birth, and passport number of the visitor(s).

    Q2: 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, if you select online fulfillment you will not receive anything in the mail (paper mail), but 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

    Q3. 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

    Q4. What's the Return Rider? Should I get it?

    Patriot America Insurance automatically covers the flight from home country to the U.S. but if you want the trip back to home country covered as well then you should purchase the Return Rider. This rider is an additional cost and you'll be able to get a quote for it and select it in the application.

    Q5. What are the other riders options?

    Riders are additional features or additional coverage to the standard plan. Not everyone needs all the riders. Patriot America Insurance has the following riders to choose from. All the riders have an additional cost and you'll be able to get a quote for it and select it in the application.

    • Leisure Sports
      Coverage for jet skiing, scuba diving, snow skiing, snow boarding, snow mobiling, snorkeling, surfing, wake boarding, water skiing and windsurfing.
    • Extreme Sports
      Provides coverage up to $50,000 lifetime maximum for extreme sports activities such as BMX, bungee jumping, caving, flying (private plane), hand gliding, high diving, hot air ballooning, kayaking, inline skating, mountain biking, & etc. Refer Patriot Insurance Brochure for complete list.
    • Enhanced AD&D
      This optional coverage is available for the primary insured person only. The coverage is in addition to the Accidental Death & Dismemberment already included in the Patriot plans. Coverage must be purchased for a minimum of three months.
    • Return Rider
      (Non-U.S. Citizens only) When purchased at the time of application, Patriot Return provides temporary medical coverage for non-U.S. citizens returning to their home country.

    Q6: Which doctor or hospital can I go to?

    The PPO provider for Patriot America Insurance is FirstHealth PPO Network. FirstHealth PPO Network is an independent organization and a recognized PPO Network by all major hospitals, doctors, and health facilities.

    You can search for doctors or hospitalsin this Provider Directory. Prefer going to any doctor or hospital listed under this PPO network to receive in-network benefits benefits.

    Q7: How do I use this insurance?

    Please refer to the following article about the policy usage:
    Policy Usage: How to use it?

    Q8: How do I file a claim?

    Please refer to the following article about the policy usage: How to use Visitor Insurance?

    Q9: 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 renewable you can renew it anytime you would like to before the policy expires. There is a renewable fee of $5 that associated with the renewal.

    Q10: Where can I find answers to other questions I have?

    Please refer to Visitors Insurance FAQs section.
    Learn more from informative articles at Visitor Insurance Information section.

    If you still have questions, please call our support line toll free: 1.866.384.9104

    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

    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.